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Many finance companies offer loans based on your credit score and current financial situation, and with it comes an APR percentage attached. This dictates the full amount you pay over the course of your loan, inclusive of interest. At Get Car Finance Here, we can help reduce the cost of your APR, so you pay less for your monthly instalments on your dream car!

Car Finance APR Explained

A common misconception is that APR and interest rate mean the same thing, however that is not the case.

What is APR on a car loan?

APR stands for Annual Percentage Rate. It refers to the interest that you pay annually on a car loan and is normally added to your monthly direct debit or standing order. Due to the fact you pay off the interest rate in smaller amounts, it is unlikely to make too much of an impact to your month to month payments.

What if I want to pay off my loan early?

If you want to pay off your car loan early, no problem! You can take small steps to making sure your payment is paid off as soon as possible and you save on paying interest.

·         Refinance: Not only can refinancing your loan help you make your repayments lower, but it can also help you negotiate a new monthly payment and pay-off date.

·         Pay more: make extra payments every year, either one large lump sum or round up to your nearest £100.

Will I be credit checked?

When you take out a car loan, your credit score will be checked. However, with GCFH, this won’t affect whether you will or won’t be accepted! We can offer an affordable car finance solution to suit your circumstances, even if you think your credit score is bad. Visit our tailored packages on bad credit car finance options and see how we can help you.

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What is the lowest APR car finance available to me?

At Get Car Finance Here, we work out the APR based on several factors, however there are steps that you can take to try and improve your credit score before purchasing a car with us. If you have a bad credit report or don’t have time to increase your rating then don’t worry, as GCFH still offer finance packages based off your current financial situation, not your past! The lowest rate of finance on car loans is dependent on several factors which are clarified below.

How can I make repayments as low as possible? 

So how can you lower your APR? Of course, it is important to carry out research in the sector to help you identify the best deal, but to help you out the experts at Get Car Finance Here have put together 5 top tips to help you achieve the lowest rates of interest.

1. Get proof of income

As previously mentioned, we base your loan off your current finances, so proof of income and job stability is desirable. By evidencing a tax return, pay slip or other legal document that portrays your income you will have a greater chance of securing a better interest rate.

2. Check your credit score

Another thing that can influence your APR when looking for a car finance deal is your credit report. Use credit reports to check your credit score and do your homework to see if you can find any tips that will help you build credit.

3. Lower car loan terms with less months

Of course, there are adjustable factors that you can benefit from when trying to get low APR car finance. Choosing a shorter loan around thirty-six months may mean larger monthly instalments, but overall the cost of your loan will reduce. Not setting your heart on one car and comparing multiple vehicles can also put you at an advantage as Get Car Finance Here also base APR rates depending on the type of car (for example a Vauxhall is more likely to have a lower APR than a Mercedes).

4. Find a credible guarantor

By adding a co-signer to your car finance deal who has a strong credit score, your interest rates are likely to be significantly lower. You can choose a family member or close friend to be your guarantor, who will pick up any payments that you miss for any reason.

5. Part exchange

If you have a car currently and you are looking to upgrade it with Get Car Finance Here, consider part-exchange as an alternative to a lump sum deposit. Our team will value your current vehicle and use it as a down-payment. The bigger the initial deposit, whether it be cash or car, the likelihood of your APR being reduced increases.

Get the best APR interest rates with GetCarFinanceHere

Make sure to check out the best car finance deals currently in stock.

If you would like more information on how to get the best APR interest rates or any queries regarding our car finance services, please get in touch with our expert team today. Alternatively, for quick answers and guidance call us on 0808 301 1774.

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