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How To Snatch A Hot Car Loan Quick

Finding a car loan quite frankly can be a bit pain the neck especially when you consider that you have to sort through probably hundreds of car loan companies, dealerships and banks. However there is a short cut method to finding the cheapest loan and you will not have to visit your nearest bank or car dealership for a quote. Banks and car dealerships are both very expensive so you can bet that you are not going to get the cheapest loan from them. Your focus should solely be on car loan companies both offline and online.

The first thing you should do is to get a copy of your credit report, this is something which cannot be stressed enough because if you do not know how good your credit is you will not be able to determine if you are in fact getting a good deal. Once you have your credit report in hand the next step is to scan it for errors if you see something out of the ordinary it is time to get it fixed prior to applying for a car loan.

Once you have your credit issues fixed you need to find a car loan company which will give you the cheapest rates based on your credit. This can be the tricky part but if you tell the lender in advance what your credit score is and then ask them for an informal quote based on that this should give you a rough idea as to which lender is cheaper if you do some comparison shopping.

Now other things you should look at prior to signing up for a car loan is hidden charges / costs. These can be anything including late payment surcharges, etc. Make sure you read through the agreement and understand what it says prior to signing up for a car loan.

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