Getting the best auto loans is not that difficult once you know how. Here are 10 easy car loan tips that can help you to get a car loan with the lowest interest rates and the best terms with the least amount of hassles.

Even if you aren’t ready to apply for an auto loan today, its important to implement many of these strategies immediately to ensure that you will get the best car loan later when you are ready.

1) Pay your bills on time so negatives won’t show up on your credit rating.

2) Keep a good credit rating by not over extending yourself with debt.

3) Keep tabs on what is on your credit rating. If you need to make changes, then take care of it now so it will be “clean” when its time to apply for an auto loan. You might think that a $19.00 debt that was sent to ‘Bend-Over-And-Take-It-Collection-Agency’ five years ago isn’t a big deal, but it is a very big deal to creditors. Negatives can result in your auto loan costing you hundreds or even thousands more over the life of your loan in higher interest rates, lesser terms and even in points.

4) Figure out how much of a monthly payment you can afford. Be sure to consider car insurance, gas and maintenance.

5) Make as large a down payment as you can to lower your auto financing interest rates and your monthly payments.

6) Figure out how much your current car is worth and how much you owe on it.

7) Avoid the finance department at the car dealer at all costs by applying for the best auto loans online. You will save money, time and grief on both your auto loan and the cost of your car. Its free to apply online without all the high pressure you will get at your dealer…and you can get approved fast.

Before signing any car loan paperwork, check to make sure you clearly understand everything.

9) For the best auto loans, and especially if you are buying your car from a car lot…    If you hit a wall at anytime during the process, whether its pressure from a car salesperson, or extreme pressure from the shark in the finance department — then stop immediately! Really. Don’t worry about being rude or whatever. Just get the hell out of there immediately before you get worn down and succumb to their pressure like someone being tortured to admit anything in a P.O.W. camp. Stop and get out!