text: 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 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.