financing
16 pieces tagged financing.
Why 84-Month Car Loans Are a Trap and What to Do Instead
Long-term auto loans lower your monthly payment but cost you thousands more in interest, keep you underwater for years, and lock you into a depreciating asset.
What Dealer Add-Ons to Refuse: First-Time Buyer Edition
Finance managers make money on add-ons, not on the car sale itself. Here's what to say no to, what's worth considering, and the math behind each pitch.
Subprime Auto Loan Delinquencies Hit Highest Level Since 2010
Serious delinquencies on subprime auto loans climbed to 6.9 percent in July, signaling trouble for both lenders and anyone shopping with shaky credit.
When to Walk Away From an Auto Loan Refinance
Not every refinance saves you money. Here's the math to run before you sign, what red flags mean the deal is bad, and when to stay put.
Honda and Acura Just Brought Back 0% Financing
Honda is offering zero-percent APR on multiple models through September, the first time since early 2022 for the brand.
Lease vs Buy: 2026 Toyota Camry
Buying the 2026 Camry beats leasing for almost everyone because total cost is $8,400 lower over six years and resale value stays strong enough to justify ownership.
There Are 850,000 Leftover 2025s on Dealer Lots. Here Is How to Tell If One Is Actually a Deal
The seller's market is over. Rebates are hitting $10,000, zero percent financing is back, and dealers are desperate to move last year's cars before the 2027s land. But a leftover is a model year behind the day you buy it, so the discount has to beat that. Here is the math.
Fed Signals First Rate Cut in Two Years for July
The Federal Reserve just telegraphed a likely rate cut next month, which could finally bring auto loan rates down from their current stratosphere.
Nissan Is Chasing Subprime Borrowers Again and That's Your Problem
Nissan just loosened credit standards and is approving buyers with scores below 580, signaling desperation that could flood the used market soon.
How Much Car You Can Afford: The Real Formula First-Time Buyers Need
Most first-time buyers overestimate what they can afford by 30 percent or more because dealers use payment math, not total cost math.
Stellantis Just Launched Zero Percent Financing Across Most Models
Jeep, Ram, and Chrysler dealers are now offering 0% APR for up to 72 months as inventory piles up and sales lag.
How to Refinance Your Auto Loan: The Full Process From Application to Funded
Auto loan refinancing can save you thousands, but the process has traps. Here's exactly what documents you need, how credit pulls work, and when to walk away.
Lease vs Buy: 2026 Honda CR-V
Buy the 2026 CR-V if you plan to keep it past 60 months. Your per-mile cost drops to 41 cents by year eight versus perpetual lease payments.
Debt-to-income ratio (DTI), explained
Your debt-to-income ratio shows lenders what percentage of your monthly income goes toward debt payments including your proposed car loan.
GAP insurance, explained
GAP insurance covers the difference between what you owe and what your insurer pays if your car is totaled.
Fed Cuts Rates Again: Your Auto Loan Just Got Cheaper
The Federal Reserve dropped rates another quarter point this week, pushing average new car loan rates below 6% for the first time since early 2023.