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Standard Car

What is the difference on the interest rate between a bad credit car loans versus a standard car loan?

If you are applying for a bad credit car loan, you have probably already attempted to get a loan from your local bank and been rejected due to your credit score or history. The standard bank loan for financing a used car is what we refer to as the "A" class loans, where the applicants must have high credit standing and score usually 640 points or higher with good debt to income ratio as well as good repayment history to quality. It is not even a great interest rate when you have all these credentials. The usual interest rate from the bank falls into 8-9% on these loans, and they are no where near the manufactures promotional rates you see out there that starts from 0%. So if you are thinking of getting a bank loan at 0%, it is not possible. The reason some of the manufactures are using these low interest rates is to attract customers they will not have otherwise. These rates can be misleading in many ways, but remember this rate will only apply if you qualify for a new vehicle loan from the manufactures such as Honda or Toyota.

If you look little closer behind the scene, these low interest rate loans from the manufactures are not truly 0%. Since Honda or Toyota is still paying their banks 5-9% interest, they are in turn paying a lump sum to their bank to "buy down" the interest rate. So in reality they are still been charged for a much higher percentage, but they have already paid the bank ahead of time to reduce the rate so it will show as 0%. It is a financial gimmick really, there is no such thing as a 0% interest loan in this world if you think about it.

But when it comes to bad credit car loans it will get even higher, because of your credit score and history is poor. You are been considered as a high risk borrower, and you may at any time default on your payment. So in the bank's eyes they will stand to lose a lot of money if you can't afford to pay back your loan. Why would they offer you a low interest rate? Since the risk is greater, the interest rate is usually higher; the usually bad credit car loan rate will range from 12% to 29% depending on the individual. Yes some times there is 1-2% difference between one loan providers to another. But don't let the interest rate dictate your purchase decision because in the end of the day you will need to find a suitable vehicle. Not a suitable interest rate, remember once your credit recovers you can then negotiate with the lender, but before that happens just be thankful someone is willing to take a chance on you.

Thank you for reading this article it is brought to you by Bad Credit Car Loans Toronto, the latest online credit processing center for city of Toronto. Visit us online for more information at http://www.badcreditcarloanstoronto.ca or http://www.badcreditcarloanswhitby.com

About the Author

Bad Credit Car Loans Toronto is Toronto's leading bad credit, no credit, car loan provider; we have a team of credit professionals who can help you to get you out of your current credit situation. Visit us online at http://www.badcreditcarloanstoronto.ca or http://www.badcreditcarloanswhitby.com

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