Image: morguefile.comBy Frank Ling

If you’re ready to take the plunge and go to your local car dealer to strike a deal on a new car, you’ve probably seen advertisements on zero percent car loans, or financing your car loan without one cent of interest.

This deal sounds pretty amazing as typical finance charges on car loans average about 4% over a five year payment period. So if you purchase a car for $20,000, and make monthly payments of $376, you would end up paying about $2,500 in interest over the life of the loan.

$2,500 is a pretty sizable chunk of change, but before considering the zero percent option you should be aware of some secrets when applying for these no interest loans. As we’ll see, in some cases you be able to get an even better deal if you take a standard loan on the car.

1. When Zero Doesn’t Mean Zero


Image: morguefile.comOne of the things you’ve got to ask yourself is, “How can the dealer offer zero percent loans and still make money on the deal?”

Dealers can make money on these loans by not passing on factory rebates onto you. These rebates can be quite substantial, and if they pocket this cash, they are way ahead of the game even if they sell you the car with no interest on the loan.

To get around this, do research on the Internet on the current factory rebate incentives offered by car manufacturers for the cars you are interested in. The rebate amounts can vary, but some may make the overall loan of your car, even at standard financing rates, lower than zero percent loan over the long haul.

calculations2. Upgraded Costs


If you are thinking about accepting a zero percent car loan, you may want to check out the pricing of any options you may want, the real trade-in value of your old car, or why the car salesperson is pushing you to buy an extended warranty.

All of the above may be ways for the car dealer to recoup some of its “losses” by inflating the cost of accessories, giving you a very low offer for your trade in, or trying to convince you to buy a questionable extended warranty contract.

If you opt for zero percent financing, be sure to look over all the actual costs of everything associated with the purchase price before signing on the dotted line.

3. Consider a Used Car


image: morguefile.comAlthough a zero interest loan sounds good for a new car, you may come out ahead of the deal by just buying a used car.

Generally speaking, the finance charges for used cars are significantly lower than on new cars. And of course, used cars cost less too.

With the combination of a lower purchase price, along with a low interest rate, these two factors may make a used car purchase more affordable and a better value than buying a new car.

And you don't have to get your financing from the car dealership; you can always see what sort of rates you can get at your bank or credit union.

Source: Money.MSN

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