你需要知道的汽车贷款基本知识
Understanding a few key basics may help you make a good decision about borrowing money to finance a 车辆.
除了房屋抵押贷款, a car loan represents the largest sum of money most people will borrow at once. Yet, many people may not think much about financing their new ride until they walk onto the car lot. 在获得融资后, if you decide to purchase a car while at the dealership, 这是相对容易的 证明你有pp王者电子官网 if you have an existing auto insurance policy. 看看这张小抄，你甚至 开始找车.
信用评分和汽车贷款
Dealers sometimes advertise extremely low interest rates that are typically available only to buyers with exceptionally high credit scores — often 800 and above. You may be able to obtain your credit score for free through one of the three credit bureau websites. Also, check your credit card provider's website, as they sometimes provide free credit scores. In general, the lower your score, the higher your interest rate may be. 如果你目前的信用评分较低, you have several options: apply for credit to see if you get approved and at what rate (you can try to refinance at a later date to get a lower rate), 推迟你的购买并尝试 随着时间的推移提高你的分数, increase the down payment to lessen the amount of the loan or consider a co-signer.
贷款的预先批准
Getting pre-approved by a lender may help you set realistic expectations for how much car you can afford. 你是否正在购买 新车 或者一个 使用一个, you'll be in a better position when negotiating price and financing terms.
贷款期限
Some buyers choose a 72-month or even an 84-month loan as a way to minimize monthly payments. But t在这里's a flipside to this: It typically means paying more interest. 事实上，根据 书呆子的钱包, a borrower can expect to pay nearly three times as much in interest over the course of a 72-month loan compared to a 60-month loan. 使用一个 汽车理财计算器 了解贷款条款之间的差异.
率和. 激励
Some dealers may offer the option of either an extremely low interest rate 或者一个 cash rebate — but not both. And it's not immediately obvious which is the better deal. 使用我们的 退税与融资计算器 找到最适合你的方法.
保护的差距
买一辆新车是令人兴奋的, but typically a 新车 depreciates immediately after being driven off the lot. If your car is later totaled and you owe more than it's valued, 差额由您负责. 这就是为什么你可能会考虑 GAP (Guaranteed Asset Protection) insurance, because it covers the gap between what you owe on the 车辆 and its current market value.
