Check your credit score
The higher your credit score, the lower the interest rate you'll likely be offered.
Don't settle for the first loan offer you receive
Shop around and compare rates from multiple lenders, including banks, credit unions, and online lenders
Consider a shorter loan term:
While a longer loan term may seem more affordable because of lower monthly payments,
you'll end up paying more in interest over the life of the loan.
Consider a shorter loan term if you can afford higher monthly payments.
Make a larger down payment
A larger down payment can lower the amount you need to borrow, which can result in a lower interest rate.
Aim for a down payment of at least 20% of the car's purchase price.
If you already have an auto loan, you may be able to refinance to a lower interest rate. Check with your current lender or shop around for refinancing options.
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