Your credit score will have a big impact on the amount you'll pay to borrow, or the interest rate of your loan. There's no official minimum credit score needed to buy a car, but the best interest rates go to borrowers with
These local institutions often offer low interest rates than large banks. You'll have to become a member, and membership is usually bound to things like geographic location or an employer. Most banks also give loans like auto loans. Banks you already have a relationship with may offer you affordable rates, and that may be worth a look. However, many larger banks' auto loans generally start with a higher interest rate than credit unions.
Compare your pre-approval offers to find the offer that best fits your monthly budget, carries the lowest APR or interest rate, and has the shortest term. Now is the time to accept the loan offer that you're happy with. Make sure you have the proper documentation on hand, like your driver's license, proof of income, proof of insurance, and proof of residency, depending on the lender.
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