What to Ask Your Lender about Good Credit Auto Loans in St. Charles

April 7, 2016  

There are a few things you should ask the dealer when you are considering good credit auto loans in St. Charles to be certain that you know exactly what to expect. They are as follows:

  • What is the best interest rate for which I can qualify with my credit score?
  • What is the APR (annual percentage rate) and the base rate? Will this rate change over the term of the loan?
  • Is the interest rate locked?
  • What is the length of the loan?
  • What is the minimum down payment? How will a larger down payment affect my monthly payment?
  • What is my monthly payment and on what day of the month is it due?
  • Is there a prepayment penalty?
  • Do you offer car financing with defaulted credit?
  • What is the amount of the loan fees and what specifically do they cover?
  • What documentation do you need from me to complete the loan application?
  • How long does it take for the loan to be approved?

What to Ask Your Lender about Good Credit Auto Loans in St. CharlesAlthough this may not be a completely comprehensive list of questions you should ask your used car dealer, it can provide a stable basis for you to know the intricacies of the car loan process. It is important to secure a loan with your “eyes open.”

For honest, excellent guidance about good credit auto loans in St. Charles and a large, varied inventory of pre-owned vehicles, come to 5 Star Auto Plaza. We have an established reputation for quality and service. Call our sales team today at (636)940-7600.

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5 Star Auto Plaza

5 Star Auto Plaza Review

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    Review Your DealerI  wanted a new car for myself so I started checking out some cars online. I found a Lexus LS430 and decided it was the perfect car for me, I just needed to find the right priced one. I found one at 5 Star Auto Plaza, they worked within my budget and I got the car [...] Read More
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    Review Your DealerThey gave me a great price on my trade in and the overall price was very fair according to blue book. I am more than pleased with how the service was here. Read More
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    Review Your DealerFriendly faces and attitudes made all the difference for me from past experiences. They even detailed my suv upon delivery. Great experience. Read More
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    Review Your DealerLast summer I purchased a F150  from these guys.  After looking at several local dealerships, I found 5 Star Auto Plaza had the best prices, they had honest sales people and a great selection.  My truck is a great, it runs perfectly and it we absolutely love it!   Read More
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    Review Your DealerRecently after filing for a bankruptcy, our SUV broke down so we need a new family car.  We were really concerned after being turned down by another local auto dealer and our bank for a car loan due to our lack of credit after the bankruptcy.  We were truly elated to find 5 Star Auto [...] Read More
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    Review Your DealerChris King was very informative about establishing my credit. Very informative on credit building. I was very pleased with customer service in the entire building. They kept me laughing. 5 Star Auto Plaza, you ROCK! Read More
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