How we find you the best Car Loans in Birmingham
Our goal is to get you the best car loans in Birmingham. To get started, apply with us to get automatically matched with a certified lender. It’s a quick and simple way to take the stress out of car financing. You can feel secure knowing that our certified lenders will work to get you the best rate possible.
At Ratewise we’ve simplified the confusing world of car finance. Car loans in Birmingham are now easier than ever to get with our free matching service with so many company offerings. We introduce you to the selection where you have the best chances of being approved and where you’ll get the lowest rate, so you can enjoy an affordable car finance deal. Apply for free to get started.
We personalize your car financing experience by matching you with car loans in Birmingham. After you fill out our secure application, you’ll get matched with the best lender partner for your situation. The lender is ready to work with you and provide you the best car finance rate.
If you are looking for car loans in Birmingham, you’ll want to try Ratewise. We match you with a great financing deal you can afford. It’s a great way to securely complete the car financing process online.
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Here are some frequently asked questions about car loans. Have a different question? Contact us today.
What affects car loan rates in Birmingham?
Car loan rates are determined by several factors, such as your credit score, yearly income, current debts, the loan amount and loan term you wish to borrow for.
Generally speaking, the higher your credit score is, the lower your car loan interest rate can be. Lenders also look at your debt to income ratio to make sure that your payments are reasonable based on your monthly income.
What can you do to save on car loans in Birmingham?
You are already taking the first steps to saving on car loans. When you apply with Ratewise, we automatically match you with the best deal for your situation.
What types of car financing are there in Birmingham?
Personal loan – Also known as a car loan, it is a very common way to finance a new car. A lender approves you for a loan and when you buy the car, you’ll get ownership and pay back your loan afterward.
Personal contract purchase (PCP) – With this option, you make a deposit (usually 10%) and you make fixed monthly payments, like a mortgage. The car will belong to the lender during the contract. Due to the down payment, your monthly payments tend to be lower than with a car loan. When the loan period ends you can pay the remaining value of the car to keep it or return or exchange the car.
Hire purchase (HP) – This option requires a deposit and fixed monthly payments. The car is owned by the lender and you’ll own the car after you’ve made the final payment.
Car leasing – This option involves renting the car for a period of time while making monthly payments. You won’t have the option to buy the car at the end of the contract. But some people like this option because they can get a new car every few years.
What should I look for in a good car loan deal in Birmingham?
Ratewise will help you find the best car loan deal for your situation. Apply for free online and you’ll be matched with a certified lender who can offer the best car loan deal for you.
Can I still get a car loan in Birmingham even if I have poor credit?
You can still get a car loan if you have poor credit. If you have poor credit, you should apply with Ratewise for a car loan and we will match you with a certified lender that will provide you a car finance deal for your circumstances.