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	TOP STORY
	Car loans are cheap, and available, if you have average credit and a down payment
	Despite the credit crisis, rates are near 10-year lows. ...

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FEATURED STORIES

	How to get the best deal on a new car Our 6-step plan will help you save thousands of dollars by driving a hard bargain and finding the cheapest loan.
	How to buy a great used car or truck These 10 smart moves will ensure you get an affordable, reliable vehicle, and don't get taken for a nasty ride.
	The best new cars and trucks for 2009 We've reviewed hundreds of models from the smallest subcompacts to the biggest pickups to come up with our recommendations.
	Is it time to sell your car? Our 5 smart moves will help you ask all the right questions and make decide whether to keep or dump your car or truck.
	The 5 best warranties ever See which 2009 cars and trucks are backed with the longest, most comprehensive guarantees we've seen.
	6 reasons to avoid extra-long auto loans Don't let anyone talk you into an 84-month car loan just because the payments are lower. You'll regret it in the long run.

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NECESSARY MUST DOS

	Know how much it's worth before you buy Edmunds.com or Kelley Blue Book tell how much a car cost the dealer and what other buyers are paying for similar models.
	Take a pass on extended warranties These insurance policies are rarely worth the extra cost, especially if your car or truck has a great automaker warranty.
	Buy a 'certified' used car for reliability They're available at most new car dealers and are touted as the best kept, most dependable pre-owned car or truck you can buy.
	Cut your car payments It's a good place to find extra money for mortgage payments or credit card bills if you're spending as much as the average American -- nearly $500 a month.
	Get a "simple" not an "add-on" loan. Add-on loans cost more because they require you to pay interest on the full amount you borrow for the entire term of the loan.
	Be a joint applicant, not a co-signer If you co-sign for a loan, you're legally responsible for making the payments but have no ownership rights to the car or truck.

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LATEST TIPS

	Watch for the thrifty Ford Fusion hybrid DETROIT -- The Ford Fusion hybrid will be the most fuel-efficient midsize sedan on the market when it arrives this spring, clocking in at 41 miles per gallon, according to data given to Ford Motor by the Environmental Protection Agency.
	Auto loan rates hold near record lows The cost of financing a new or used car is at or near 10-year lows, with the average loan costing less than 7%.
	An easy way to estimate monthly payments This formula is a good rule of thumb for estimating monthly payments when shopping for a car or truck.
	The best small cars If high gas prices and insurance premiums have you shopping for an affordable ride, check the Honda Fit, Nissan Versa and Scion xD.
	Late pays drop credit score 100 points. The consumer who misses one or more car payments has a credit score that's 98 points lower than someone making every payment on time.
	Avoid finance charge markups Beware if your salesperson offers you a lower price on your auto if you'll finance the purchase through the dealership.

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AUTO LOAN CALCULATORS

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Auto loan calculator
Find the monthly payments and total interest cost for any loan.

Buy vs. lease calculator
Decide which financing plan makes the most sense for you.

What's the best auto loan?
Compare up to three possible deals to find the lowest monthly payments and total interest cost.

Rebate or low-cost loan?
See which discount is the best deal.

Home equity vs. auto loan
For some buyers, a home equity loan is the cheapest way to finance a car or truck.

Accelerated payoff
How much can you save by adding a little extra to your monthly car payments?

How much do you owe?
Total up your debts. See how long they’ll take to payoff and what you’ll pay in interest.

Debt consolidation calculator
Does it make sense to transfer your auto and credit card bills to a home equity loan?

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WORK SHEETS

	Questions to ask about auto insurance The answers will help you get the right coverage and the best possible price.

	Fix credit report mistakes Use this form letter to dispute errors.

	Change the name on your credit report Just fill in the blanks on this form letter.

	Dealing with debt Take a comprehensive look at all your bills and develop a plan to pay them off.

	Create a budget Manage your money more effectively with our easy-to-use work sheets.

	Build an emergency fund Figure out how big your financial cushion should be.

	Daily expense tracker Carry this form with you to see where all of your money is going.

	Discover your net worth Assets minus liabilities reveals your true wealth. It’s life’s financial score.

DASHBOARDS - TODAY'S RATES AND TRENDS

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AUTO LOAN Q&A

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Q.	How many times can I pay just the interest on my car loan, instead of the full amount?

Q.	How difficult is it to pay off my car at the current Kelley BB value?

Q.	Is it worth paying $30 a month for a lifetime warranty on electrical parts?

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1/8/2009 1:50:14 PM

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