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The Basics of Used Auto Loans

Often,consumers are unaware that financing a used car is actually different than financing a new car. It's for this reason that before you go out to purchase a vehicle that isn't brand new, you should first do a little research. Here are some items to be aware of.

Used Auto Loans are for Cars Less Than 4 to 5 Years Old

Most banks and auto lenders don’t want to finance a used auto loan for a used vehicle older than 4 or 5 years maximum. This is because an older vehicle is at greater risk of having mechanical problems, and so might wind up in a condition where the owner may no longer want to make their payments. It’s best to stick with a younger car if you are seeking a used auto loan. If you do need to find an auto loan for an older vehicle, your local credit union would be a good place to look.

Used Auto Loans Carry a Higher Rate of Interest in Many Cases

You can generally expect to pay a percent or two more on the interest rate of a used car loan because, since a used auto loan is almost always for a much lower amount than a new auto loan, the bank or dealership will want to make up some of the profits that they would have seen had you bought a much more expensive new vehicle.

Applying Online for Used Auto Finance Can Save You Time and Money

Since you are reading this web page, you have the best tool right in front of you now to find the best and lowest used car loan finance rates. The Internet is the best place to start your search for a used car loan. Auto Loan Finance offers access to a national network of more than 400 auto lenders and dealerships that will compete for your business. Brick-and-mortar banks have enormous overhead costs that Internet based lenders do not have.

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