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If I pay more than the required minimum on car payments, does it lower. – Just out of curiosity, if you have a 0% loan why are you paying more than the minimum? You could be earning 1% interest in a savings account, or invest it and earn more. It wouldn’t be a lot, but it’s something. If you aren’t paying any interest on the loan it seems wasteful to pay more than the minimum, to me at least.
That information, however, could indicate the buyer’s ability to pay more. If a buyer works a minimum-wage job, dealers will be less likely to upsell than. your car up front, or if an outside.
You might borrow money directly from a bank, finance company, or credit union. In your loan, you agree to pay the amount financed, plus a finance charge, over a period of time. Once you’re ready to buy a car from a dealer, you use this loan to pay for the car. If you chose to finance your car this way, you can: Comparison shop. You get to.
Your loan contract is a fixed payment agreement. If you pay more than the minimum payment the term will be shortened but the monthly payment will stay the same. Those who are saying that your future payments will be lowered are simply wrong; they don’t know what they’re talking about.
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· There are many lenders specializing in bad credit car loans, so I wouldn’t be too concerned about that. You will probably have to pay higher interest rate to compensate the lender for the additional risk, but you shouldn’t have problem getting an auto loan with bad credit.