Question: What will my APR be . .? I am thinking of financing a car, i'll say next summer - I am focusing on paying off my debt now, and by my estimation, i should be able to pay off all my debt by February.  I have the confident that my credit score should be above 700 by then.  I am thinking of of putting $3000-$5000 down payment.  In that case, credit score above 7000 and with $3000-$5000 down payment.  What will my APR be? the cost of the car should be around $25,000

Answer: When you walk into the dealership the financing agent will try to spam you with high APR and for sure be able to come up with some faults ( not long enough job history, first big loan...all crap) Try to consult your local bank first. Current APR with 700+ FICO and no delinquency should not be greater than 7% at any cost.
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