You always think of auto dealership financing as quick enough that even though the rates could be a point or two lower elsewhere, you take it because
But is it in your best interest to let dealerships look for it for you? Maybe not. Do you think that car dealerships will search for the best auto loan deals for you? Maybe not. After all, dealerships are businesses that are compelled to pad their bottom line with money. With whose money? Your money, pal. Your money, not theirs.
Car dealerships profit when they get financing for you. Also, when you are not watchful, they can use your good credit against you. Some are unscrupulous enough to say that your credit is blemished, you only qualify for 12% or 13% when in fact, you can get a 6% rate if you look at other places.
That's why it's important to know your credit score in and out. That way, you are prepared. If you go to a dealership without a clue about your credit, some dealerships will give you the wrong numbers. Most dealerships are honest but a few sour apples exist and you don't want to be denied a quick car loan with the lowest interest rates.
The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free credit check, at your request, once every 12 months.
MyFreeScoreNow.com can give you a free credit report.
Banks and credit unions might not be able to help you obtain a quick car loan but online, you could. The good thing is that although a good credit helps in getting you an instant auto loan, having a less than perfect credit is no obstacle in getting you one.
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