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The best loan for you will be the one offered with the lowest interest rate and minimal extra costs
- Late payment fees. Set up autopay to avoid the fee for late or missed payments.
Consider your loan term
How much your car loan costs also depends on how long you take to pay it back – that means there’s more time for interest to add up
Let’s assume you want to borrow $20,000. Over a five-year term you might be quoted an 8% interest rate, but you’re offered a 7.5% rate if you accept a seven-year loan term. Let’s see how it would work out.
If you choose the 7.5% interest rate your payments are almost $100 per month cheaper. This can be appealing because it’s obviously more budget-friendly. Unfortunately, even with the cheaper interest rate you end up paying more than $1,436 in additional interest charges.
One option is making additional payments VT title loans and paying off your car loan sooner, but check to see if you’ll be charged an early repayment fee that wipes out any savings you thought you were getting.
Calculate your loan cost
Use our monthly repayment calculator to find out how much you’d end up paying per month and overall with a low-interest car loan.
What factors influence interest rates?
Buying a brand new car might get you a lower interest rate, but a new car might not be what you need – or can afford. Here are some factors that can influence the interest rate you pay, even for a car to get you from point A to point B.