What are the terms and conditions of car loans in the United States?

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Issue by babydoll: What are the terms and conditions of car loans in the United States?

Do they require a specific percent of the principal as down payment? About how much is the cheapest car in the US?

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Answer by G. Whilikers

There’s no specific number everyone uses (it depends on your credit and how motivated the lender is to get your business) but a good rule of thumb is 20%. As soon as you drive the car off the lot it loses a huge amount of value, and a larger down payment brings the car loan closer to what it’s worth. It also leaves you with a lower monthly payment.

Last I heard the Hyundai Accent was the least expensive, with the Nissan Versa right behind, both just under $ 10,000.

Answer by Lauren

If you are trying to get a Auto Car Loan and you know that your credit is not the best then you do not need to worry because getting a Car Loan even with bad credit is not that hard. Most lenders know that people nowadays have taken some hits on there credit and they have made it easier to obtain a Car Loan even if you credit is bad.

http://www.worldbestloans.com/guaranteed-car-loan.htm

When getting your auto loan be aware that you may be required to pay a higher interest rate because the lender will look at you as a higher risk with bad credit. It is important to understand that even though you have a higher interest that as you make your monthly payments on time this will help raise your credit score and then you can always refinance it at a later time.

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What are the terms and conditions of car loans in the United States?