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The following article was published in our article directory on December 16, 2011.
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Auto Financing 101: Basics of Getting Money to Buy a Car

Article Category: Automotive

Author Name: chickie maxwell

Purchasing a vehicle is something that requires a lot of money. It's a good thing that there are auto financing options available especially for those who would have a difficulty going about their daily routine without their own transportation. These financing options are offered by a lot of financial institutions all over the world. Although these financing options are generally the same, there are differences in the kind of rates they offer, the penalties involved, and the approval or credit requirements that borrowers should comply with. Consumers looking for auto financing options should get information about what is available in the market before finalizing a deal.

Here are some terminologies that you will have to understand when you are looking for the best auto financing option:

Annual Percentage Rate - this is usually referred to as the APR. This is the rate of interest that you will have to pay on your car loan. Your credit rating is one of the biggest factors that affect this APR. People with better credit are able to negotiate for better interest rates than those with bad credit. There are, however, financing institutions that are able to give car loans to people who have no or bad credit albeit with higher interest rates. Make computations on indicative APRs and ask around for institutions that offer better interest rates.

Term - this is the time within which your auto loan should be settled. Auto financing terms are usually short-term ranging from about three to five years - it is not normally advisable to get a long-term loan since your car will most probably lose its value even when you are still paying for your loan. You want to make sure that you stay away from an upside-down loan or an instance when you start owing your lender more than what your car is actually worth.

Penalties and fees - there are fees and charges that you will have to bear with your loan. Make sure that the institution from which you are getting your auto loan is upfront with you with regard to additional fees, penalties, and pre-payment charges. This will help you appreciate the entirety of your loan and give you an idea of what you might have to settle in various scenarios involving the payment of your loan. Do not forget to watch for any hidden charges that might be in the fine print.

Credit rating - this will influence a great part of your car loan. The better your credit score, the better your negotiating position will be. You can find out what your credit score is by securing a copy of your credit report once a year - you are entitled to a free report every year, otherwise, you will have to pay to get a copy of your credit report. Once you have this, you can go online and check how much auto financing you can get from various online auto loan companies. In case your credit score is low, you might want to undertake measures to repair it first before purchasing a car with an auto loan facility from any financing company.

Keywords: auto financing

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