Concern by nitesh: what is a good interest rate for used cars loans?
Hi,
I tried inquiring at a local credit union for used car auto loan, they did a credit check and got back with a loan offer with 3.24 % interest rate. How is this rate considering that my credit is good in the range of above 720 and for around 8 years now.
How much should the rate be for my case, I am planning to get a second hand car worth 8-9 thousand dollars and make like 3-4 thousand in down payment.
Thanks
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Best answer:
Answer by Never
3.24% is good. Might find a little lower if you want to shop around & maybe join multiple credit unions.
No banks will be cheaper.
Just checked my 2 CUs,
One is 3.25-4.00.
The other is as low as 2.49% if you apply online. (Penfed, but they may be tougher than average for approval. I got denied on my credit card from them when I first tried. First time in 20+ years. Later got approved.
https://www.penfed.org/productsAndRates/loans/vehicleLoans/autoLoans.asp#internetonly
Figure out much better?
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