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I'd also advise you to check several places before deciding on a loan, as you will be able to find different rates at each place. I have created a selection of which I feel are the best below. Enjoy and good luck in your search!
Warning
Sometimes dealer rates are deceiving. Same goes for _anything_ with an interest rate. Some basic tips are:
Check the ad carefully when you consider a special ad.
Visit, call, or contact the dealer somehow to find out ALL the conditions and terms of the offer.
Make sure your financing is not requiring a larger than usual downpayment to givey ou this lower interest rate.
Does the loan need to be repair in a short period of time? OR sometimes more importantly, does it have a MINIMUM time to pay it off. Remember, the longer the loan the more you pay - even with lower interest rates. Some even come with penalties for paying off early! Make sure you know if your loan will have one.
Does the interest rate apply to all the cars? Or just specific ones?
READ THE CONTRACT CAREFULLY! Do not assume them to be honest. A paper contract is the final say. Despite what 'verbal contract' you may be under the impression of getting.
This is not meant to scare you, but to inform you. 99% of all loans will be fine and legit, just be sure to read everything careful. Not everyone out there is as ethical as you!
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