Auto loan answers

What is risk-based pricing?

What is a loan-to-value ratio in an auto loan?

What is amortization and how could it affect my auto loan?

How does a down payment affect my auto loan?

How do I qualify for an advertised 0% auto financing?

What is a Truth-in-Lending disclosure for an auto loan?

Am I required to get my auto loan through a dealership?

Can I negotiate a car loan interest rate with the dealer?

What is Guaranteed Asset Protection (GAP) insurance?

What is credit insurance for an auto loan?

What are debt cancellation or suspension products offered with my auto loan?

Am I required to purchase an extended warranty, Guaranteed Asset Protection (GAP) insurance, or credit insurance from a lender or dealer to get an auto loan?

Why would I need a co-signer for an auto loan?

Should I agree to co-sign someone else’s car loan?

What should I know about leasing versus buying a car?

What is a retail installment sales contract or agreement?

What is included in the monthly auto loan payment?

What are the differences between a manufacturer’s warranty and an extended vehicle warranty or service contract?

What is force-placed insurance?

Can the dealer increase the interest rate after I drive the vehicle home?

Can I return a car that I bought if it has mechanical problems?

How do I know who my auto loan lender or servicer is?

When are late fees charged on a car loan?

What's the difference between a simple interest rate and precomputed interest on an auto loan?

Can I prepay my loan at any time without penalty?