Question:
What affect do credit scores have on interest rates?
Las tasas de financiación de automóviles y las calificaciones crediticias
Si no está familiarizado con el proceso de solicitud de un préstamo de auto, hay un par de cosas que usted necesita saber. Lo primero que debes saber es que es posible, y ciertamente preferible, ser pre-aprobado para un préstamo del auto antes de que usted elegir su coche. Usted puede hacer esto a través de su banco, cooperativa de crédito, u otro prestamista. Antes de que pueda ser aprobado para un préstamo de auto, su informe de crédito será revisado por el prestamista. Si usted no sabe lo que hay en su informe de crédito, usted debe obtener una copia y echar un vistazo. Su informe de crédito de su historial de pago de la deuda no segura y segura, por lo que cada tarjeta de crédito, tiendas por departamento, y el préstamo que usted tiene es que aparecen en el informe junto con su historial de pagos. Si fueron 30 días de retraso el pago de su tarjeta de Sears hace dos años, es todavía figuran en su informe de hoy.
Los prestamistas ofrecen las tarifas más interés a los prestatarios que tienen las calificaciones de crédito debido a que estos prestatarios son estadísticamente más propensos a pagar sus pagos a tiempo cada mes. Por otra parte, los prestatarios con calificaciones de crédito ofrecen tasas de financiamiento más altos de automóviles, ya que se consideran más de un riesgo de crédito. Asegúrese de comprobar su puntuación de crédito antes de solicitar un préstamo, y usted sabrá qué tipo de tasa de interés a esperar de su prestamista.
Préstamos Para Automóviles Frequently Asked Questions
Is leasing right for my budget?
Do I have to lease from a car dealer?
Should I take a loan or lease?
Where can I find information on dealer incentives and rebates?
Is there a penalty if I terminate my lease early?
Where can I find basic information on auto leasing?
What's the best least term for me?
Should I finance through the dealer or the bank?
Should I get preapproved for an auto loan?
Where can I find reliable information on negotiating the best possible new car deal?
Where can I get advice on car shopping?
Why do I need to know my credit rating?
What's the best benchmark for comparing loan products?
How can I get a car loan when I have bad credit?
Where can I find out about car dealer scams?
Where can I get a free credit report?
What are depreciation ratings?
Is used car financing different from new car financing?
Should I take the dealer financing?
Where can I find out what used car loan rates are?
How long should I finance my used car for?
Can you offer any guideline to shopping for auto financing, online?
Do I have better options of leasing a new car opposed to obtaining financing on bad credit?
How much of a new car down payment do I need to qualify for financing?
Is dealer financing a good remedy for poor credit
What do the terms of a new car purchase and car financing mean?
What part of the car buying process should I seek financing?
Should I get auto financing from a bank or from the dealership?
Do credit unions offer low interest rates for auto loans?
Does GMAC offer different auto lending options?
What types of products does SunTrust offer for auto loans?
How can I finance the purchase of a Honda?
Is it hard for military members to get approved for auto loans?
Is it okay to ship a car overseas if you still owe money on it?
Do car dealerships ever give military discounts?
What dealerships should I stay away from when purchasing a car?
How can I get ready to purchase a car?
Should I get an auto loan from a local military lender?
Where can I find a car to buy?
What do I do if I feel as though I was ripped off by the car dealer?
How can I obtain inexpensive insurance for my new car?
How do I refinance an auto loan with bad credit?
What should I look out for when refinancing my vehicle?
Can I cash out the equity on my car?
When should I refinance my car loan?
Can I get a better interest rate through the dealership or through another lender?
Do dealerships have a say in the interest rates offered to customers?
What affect do credit scores have on interest rates?
How can I get the incredibly low interest rates offered by the car manufacturer?
What else should I pay attention to other than the interest rate on a car loan?
What tricks do some car dealers use to make more money?
Are online auto loan calculators reliable?
How can I find out the average car loan interest rate?
What do I need to do to make my final car loan payment?
What should I do to prepare to trade-in my current car?
What other types of car finance calculators are available?
Can I get financing for an auto loan with bad credit?
How can I get a lower interest rate on a car loan with bad credit?
Can I get an auto loan after bankruptcy?
How can I get a car loan with no credit?
Where can I find bad credit auto loans?
Should I take the first auto loan I am approved for if I have poor credit?
What types of extra fees do I need to avoid when obtaining bad credit auto financing?
Should I use an equity line of credit to purchase a car if I have bad credit?
What can I do to improve my chances of getting an auto loan?
Is applying online for a car loan safe?
Do lenders offer special low interest rates to online applicants?
Do most lenders do business the same way?
Why should I apply for auto financing online?
What questions should I ask when applying for online auto loans?
Should I take a rebate or a low interest rate?
Should I make a down payment when I purchase a new car?
Should I get a new car loan through the dealership?
What other expenses can I expect when purchasing a new car?
Should I have a used car inspected by a mechanic before I buy it?
Should I buy a certified pre-owned car?
Where can I find a used car and used car financing?
Do I need to negotiate to get the best price on a used car?
Why are interest rates for motorcycle loans so high?
What other costs are associated with buying a motorcycle?
Can a person with bad credit get motorcycle financing?
Does Honda provide financing for motorcycles?
How can companies offer guaranteed motorcycle financing to people with bad credit?
How can I find the best interest rate for motorcycle loans?
What do I need to know about lease buyouts?
Should I negotiate the lease buyout amount?
What is a third-party lease buyout?
Is a lease buyout a good idea?
When do lease buyouts not make sense?
How do I find the best interest rate for a lease buyout loan?
What is an early lease buyout?
Is terminating a lease early costly?
| Guru Spotlight |
| Kristle Jones |
