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Frequently Asked Questions

How do you calculate a monthly payment on a car?

The formula to calculate a monthly car loan payment looks like this: (P x (i / 12)) / (1 – (1 + i / 12) -n) P = Loan Principal. i = Interest Rate. n = The number of payments in the life of the loan, i.e. the loan terms, in months.

What is the best interest rate for a car loan?

Car loan rates. Although the best interest rate offered by LightStream is 3.99%, this is only available if you have very good credit. Lenders can set their own requirements, but excellent credit is generally considered 720 or better, while 690 to 719 is generally considered good.

Where to get auto loan?

Auto dealerships are not the only place to obtain an auto loan. Other options are credit unions, banks, online lenders, or peer-to-peer (P2P) lending sources.

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