- Friendly staff at 7 convenient locations
- Quick approval even if you have been turned down at other dealerships
- Short term loans averaging 30 months
- Affordable down payments
- Low monthly payments
- Affordable vehicles to fit your needs
- Build Your Credit
If your credit score isn’t where you’d like it to be, you may be unhappy with the higher interest rates offered to you by lenders. Like many Mesa car-buyers at this junction, you’re likely wondering, “how can I lower my car loan interest rate?” While a higher credit score will always get you a better rate, there’s a lot you can do to boost your chances of a better interest rate. Learn how to get a lower interest rate on a car loan with this guide from Cactus Jack's Auto — so you can get the loan you need on a high-quality new car!
If you aren’t happy with the interest rate you’re offered or you expect to be offered a high rate, getting a lower interest rate on auto loans is possible with a little work. Take these actions to raise your credit score and earn a lower interest rate:
The higher your credit score, the lower your interest rate will be. The size of the loan will also impact the interest rate, because lenders have more confidence in your ability to repay a smaller loan than a larger one. On average, Surprise drivers can expect to pay a rate of anywhere between 3.2% and 12.9%. Here’s how rates average out for different credit scores:
Can you lower the interest rate on a car loan after you’ve started paying off your loan? If your credit improves significantly after you’ve paid off part of your loan, you can refinance a car loan and potentially earn a lower interest rate in light of your new score.
At Cactus Jack's Auto, we want your car-buying experience to be more transparent and less stressful than you’d expect from other Glendale-arera dealerships. Whether you have questions about how to get a lower interest rate on a car loan, how to refinance a car loan, or any other part of the financing process, we’re here to help! Get in touch with our team of auto finance experts to start a conversation today!
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(602) 443-5225
Call Now2440 W Camelback • Phoenix, AZ 85015
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