Car loans, credit scores & interest rates  How do you compare? What Determines an Interest Rate. What is a good student loan interest rate? Before applying for a loan, it’s important to understand what determines your interest rate offers. For federal student loans like direct subsidized loans and direct unsubsidized loans that are received through FASFA and CSS, interest rates are fixed by the government.

Because most people take out a loan to buy a car, the interest rate on their auto loan drives the final cost of the car up. In fact, an auto loan’s interest rate is usually the second most expensive part of buying a car. If you can get a good auto loan interest rate, you can save thousands. auto loan Rates in July 2019

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