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Auto Loans

Even if car dealerships offer loans for car or truck purchases, you can often find even better rates from banks, credit unions, or companies that specialize in auto loans. The terms on auto loans are fairly consistent from bank to bank. You decide on how long you want to take to pay off the loan (usually 3 to 5 years). Since the rules are pretty consistent, shop around for the best rate. Also, check to see if there are early payment penalties.