Car4Less.com Car Buying Guide Home New Car Quotes Auto Financing Auto Auctions Car Articles Welcome to the best online car buying guide! Let us find you best car deal by getting you free car quotes from the top dealers! Car Buying Online Auto Loans , Get an Auto Loan Get an Auto Loan the Smart Way by: Joel Walsh Did you know that most people pay hundreds or thousands of dollars more on auto loans than they have to? Get an auto loan the smart way. Read on. Most people really get taken for a ride on their auto loan. Did you know that differences in the total cost of different auto loans can run into a thousand dollars or more? Here’s how you can get the lowest rate: * Make a list of different auto loan lenders and their interest rates and terms, before you go to the dealer (the web is usually the easiest way to do that). Did you know dealers get a commission on the loans they refer? If you’re not careful, that extra bit of money for the lender could mean you pay a higher rate than you would if you got the loan yourself. * Get a credit report and figure out your FICO scores. Removing any incorrect negative information from your report will help you get a better deal. Knowing exactly what your score is will help you figure out what interest rate you can realistically get. * Have bad credit? Try going to your credit union, bank or another institution where you have a relationship. Lenders like to help out established customers. If your bank still won’t help, online "bad credit auto loan" lenders usually offer better less expensive loans than dealers who advertise their great deals for people with poor credit. * Use a vehicle loan calculator. It will tell you what your loan will cost each month. It saves you the time of looking at vehicles you can’t afford, makes you aware of what information you’ll need to apply for a loan, and is a "reality check" of your financial condition. * Comparison shop, comparison shop, comparison shop. You don’t get the least expensive car by choosing a dealer at random, and you won’t get the least expensive auto loan that way, either. Start researching your options now: Get credit reports and FICO scores here: Use this vehicle loan calculator: Comparison shop among these lenders: About the author: Joel Walsh is a regular contributor to Auto Loan :http://www.cars-auto-loans.com, a website with information on car loan lenders, vehicle loan calculators, and other auto loan tools Buying Your New Car Think about what car model and options you want and how much you’re willing to spend. Do some research for car pricing information by getting free new car price quotes. You’ll be less likely to feel pressured into making a hasty or expensive decision and more likely to get a better deal. We help find the car online that is just right for you! Financing Your New Car Facts: If you decide to finance your car, be aware that the financing obtained by the dealer, even if the dealer contacts lenders on your behalf, may not be the best deal you can get. Apply for free car loan quotes online and compare the financing they offer you with the financing the dealer offers you. Because offers vary, shop around for the best deal, comparing the annual percentage rate (APR) and the length of the loan.