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Tips to Get the Lowest Auto Loan Rates Possible
Michalis 'BIG Mike' Kotzakolios

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No one likes paying more for something than that something is worth. So why are we so eager to sign away thousands of dollars in interest on a vehicle that will depreciate in value anywhere from $6,000 to $12,000 over the first three years? What follows are some easy ways to insure that one gets the lowest interest rate possible.

First, one needs to do their research. Do not arrive at the car dealership, eyes set on that new yellow mustang without a financial plan in hand. Car dealerships, new or used, are usually the worst place to finance a car through. High interest and high pressure do not mix. It is best to go through ones own financial institution and/or shop around at other financial institutions in the area. Credit Unions often have low rates, but one must meet field of membership before opening up an account.

Secondly, prepare to put down a large down payment, 20% being a figure to shot for. This can work as a bargaining chip, as the more one puts down the less of a financial risk they become.

Thirdly, pay in cash. Instead of placing a down payment using a personal or bank check, use cash. There is something about seeing a role of hundreds, or twenties for that matter, that is intoxicating. Not only will one be in a better position for haggling over the over all price, but one can also insist on a lower interest rate while counting out those bills over and over again.

These three tips can help ensure that one get the lowest auto loan rates available. Spending a little time in research, in saving up for a large down payment and bringing cash in hand can save one thousands in the long run. Great interest rates are not hard to get, they just require a bit of planning and strategy to find. Happy hunting!

BIG Mike is a well known author, developer and Adsense expert as well as the owner of Niche Maniacs - a unique Adsense Marketing System designed to build long-term passive income streams from Adsense, Amazon, YPN, Chitika and other PPC services.

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