Auto Loan Rates

Auto interest rates can vary based on several factors, such as:

- Credit score: Higher credit scores generally lead to lower interest rates, while lower scores may result in higher rates.

- Loan amount: Larger loan amounts are often considered riskier, which can result in higher interest rates.

- Credit history: Lenders review credit reports to assess payment reliability and debt management. A positive credit history can lead to more favorable rates.

- Vehicle details: Factors like the year and mileage of the car can affect interest rates. Older or higher-mileage vehicles may have higher rates.

- Lender criteria: Each bank or institution has its own criteria, so shopping around and comparing offers is important.

- Previous car history: Factors like ownership length and any negative incidents (defaults, repossession) can impact rates.

In summary, understanding these factors and working towards improving your credit and car history can help you secure more favorable interest rates when financing a vehicle.

Rates may change after opening the account.
*APR denotes Annual Percentage Rate. Lowest rate of 4.74% for up to 36 months is $29.87 per thousand and highest rate of 18.00% APR for up to 84 months is $21.07 per thousand.

Loans require comprehensive and collision coverage on vehicles for the life of the loan.

T4 offers competitive rates on new, used and refinanced Auto Loans. To avoid hassles from dealers, get pre-approved online by completing an application before you shop.

Additional Loan Services are offered to give you peace of mind and help protect your vehicle.

At T4, we prioritize securing the best deals for our customers when purchasing cars. To guarantee competitive pricing, we have primarily sourced our vehicles from lease returns, Mercedes-Benz financial, Ford lease, and GM lease through private auctions. Unlike traditional dealerships, we avoid unnecessary markups by directly participating in these auctions. This ensures that we pass on the savings to you and negotiate a deal that aligns with your requirements.

Rest assured, we take care of all the necessary inspections to ensure the car's quality. In some cases, you may even have the opportunity to test drive the vehicle, particularly if it is located nearby. However, if that is not feasible, we engage the services of a reputable inspection company to thoroughly assess the vehicle on your behalf. At T4, our objective is to provide you with the best car-buying experience without involving traditional dealerships. We are committed to delivering the ideal deal for you while ensuring the vehicle's condition and your satisfaction.

If you have any questions, please speak with a T4 representative by phone at (713) 766-6219 or email info@t4autosolutions.com.