How we find you the best HSBC Car Loans
Are you ready for a simpler way to get HSBC car loans? Get started with the Ratewise car loan application and we’ll match you to a certified lender in your area. We take all of the stress out of finding car financing. We introduce you to a certified lender who is ready to get you the best car loan deal for your situation.
The world of car financing probably isn’t familiar to most people. You only purchase a vehicle once in a while so it’s good to have an expert on your side. Ratewise searches through the range of offerings to pick the best HSBC car loans for you. Your best pick will give you the best chances of approval and the lowest rate available, so you can enjoy an affordable car finance deal.
To make the process easy for you, our online application is free and lets lenders know all they need to in order to offer you the best rate. HSBC car loans come in a wide range of deals so we narrow down the search to give you the best approval and interest rate through our certified partners.
HSBC car loans are easy to find with Ratewise. We make the lenders come to you and offer you a great deal on car financing. Get started online today and make the process stress-free.
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Here are some frequently asked questions about car loans. Have a different question? Contact us today.
What affects HSBC car loan rates?
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 HSBC car loans?
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 HSBC car financing are there?
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 HSBC car loan deal?
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 HSBC car loan 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.