4月与. 你汽车贷款的利率
Not quite the same as an 利率, the APR may confuse people who are seeking a 车辆 loan. 汽车贷款的年利率是怎样的? Use these explanations to help build your financial knowledge.
Loans usually have many details and finance terms to review. Take the 利率 on a 车辆 loan and the annual percentage rate (APR) for instance. 年利率和利率是一样的吗? Some people assume they refer to the same thing, but they don't. In fact, the APR is a much better gauge of what a loan will cost than the 利率 alone. 深入了解细节 在你去停车场之前.
4月与. 利率汽车贷款
If the 利率 and the APR on a loan are different, the APR is usually higher. That's because the APR includes the 利率 as well as any additional fees charged by the lender — fees expressed as a percentage via the APR, 而不是作为一个固定的总量.
汽车贷款到底要花多少钱
当涉及到APR和. 利率, the APR actually considers the total finance charge you pay on your loan, including prepaid finance charges such as loan fees and the interest that accumulates before your first loan payment. 当 购买贷款, make sure you're comparing each lender's APR along with the 利率.
选择低年利率或现金返还
Sometimes dealers run promotions that offer buyers the choice between a very low APR and a cash rebate. It's not always immediately clear, however, which choice provides the better deal. 查看我们的 退税或融资计算器 看看哪个选项最适合你.
汽车贷款期限仍然很重要
即使是相同的年利率, you'll end up paying more in interest over the course of a longer-term loan. 例如, 买家拿出25美元,000 loan with a 3% APR for 48 months will have a higher monthly payment by more than $100, but will end up paying nearly $400 less in additional interest versus the same loan at 60 months. 使用一个 auto loan calculator to decide which is the better deal.
在“假设”中保护好自己
You're responsible for paying everything that's included in the APR, even if your 车辆 is totaled in an accident or stolen — auto insurance may not always cover the full amount you owe. GAP(保证资产保护)pp王者电子官网 may provide you with financial protection if your car is ever totaled or stolen and the insurance settlement amount does not cover the unpaid principal balance due on your loan. That could mean you won't have to roll the unpaid principal balance of the existing loan into the cost of financing a new 车辆. Shop for your loan before you shop for your 车辆 to determine available 利率s, 年利率和投资回收期.
