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Illinois Car Loans at Low Rates - Get your Dream Car not Disastrous Rates by Kaitlin Miller

Illinois Car Loans at Low Rates - Get your Dream Car not Disastrous Rates by
Article Posted: 10/02/2013
Article Views: 255
Articles Written: 15
Word Count: 671
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Illinois Car Loans at Low Rates - Get your Dream Car not Disastrous Rates

Finance & Investment

You have always received rates around 4% which were pretty good for every car buyer. But, what if someone told you that you can go as low as 0.79% for a 4 year loan term in Illinois? Yes, today lenders are offering extremely low rates on auto loans. If you can get lower rates, your interest payments will be almost nothing.

So interested in getting low rate auto financing options? If your answer is affirmative, let’s begin the journey. At the end of this article, you will be much clearer about getting low rates on car loans.

Spend Time so you don’t have to Spend Money

Research, research and research – it’s the only way to get the best car loan deal in Illinois. Understand that if you choose an IL auto loan quote without thinking, you may end up with bad rates. So, first of all, prepare a budget. Know how much money you can spend on the car. It will give you a direction and also, help you in keeping your spending in limit.

More Score for Less Rates

Today, for every credit score there is an IL auto loan program. But, to get better rates, you must have a good credit score. If you have bad credit history, make few payments and let them improve your credit score. Also, remove error from your credit report. It will definitely add few points.

Down Payment or Collateral is Beneficial

To get lower rates, the Illinois lender must consider you of a lesser risk. If he thinks that you can make regular payments, he will reduce your car loan rates. You can manifest your stable financial condition by making a down payment. 10%-20% down payment can work like magic. If you don’t have cash for down payment, you can trade-in your old car or even use your home or another car as collateral. When the lender is assured of the safety of his money, getting lower rates will be very easy for you.

Applying with Lenders and Process thereafter

Never apply with a single lender because it won’t give you a chance to compare car loan rates. So, apply with several lenders. Don’t worry about your credit score getting negative hits because Fair Isaac Corporation has declared that it will ignore inquiries made in a month prior to scoring. This means if you get your loan within 30 days, then your score won’t change. Remember that the time span can reduce to 14 days if the lender uses older versions of FICO score. Also, it can increase to 45 days if the latest formula is considered. So, to be on the safer side, complete your loan process in 2 weeks i.e. 14 days.

After getting IL auto loan quotes from the lender, you must analyze them carefully. Securing lower rates is your goal but ignoring other loan aspects can cost you. So, check the loan term, conditions, loan amount, etc. Choose a loan that has zero pre-payment penalty clause because it will enable you to refinance your loan in future (if better rates are available).

By following this article, you can definitely succeed in your quest of low rates on Illinois car loans. Remember to lower the risk factor and your rates will nose-dive!

Best of Luck Illinoisans!

When you want low rate, Fast Auto Loan Approval is the perfect answer. Get lowest rates on car financing options despite bad credit score. Apply now and avail no obligation Illinois auto loan quotes today!

Related Articles - car loan, auto financing, Illinois, IL, low rates, car buyer, information, article, online tips, collateral, instant approval, easy process, quote,

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