 TITLE: How to Choose the Right Car Loan for You CONTENT: With so many financing options available, it can be tough to know which is the best one for your situation. As you compare your choices, think about all the features that are important to you, including interest rates, loan terms, vehicle restrictions and limitations, convenience, your credit history and more.\nGetting a car loan with the right terms for you can take some time, but shopping around is an essential step in the process to ensure you avoid leaving money on the table.\nAs you do so, be sure to keep the number of hard inquiries on your credit report to a minimum. If you apply for multiple loans within a short period—typically 14 days but sometimes longer—they'll be combined into one when calculating your credit score and won't have a huge impact. But if you drag out the process, having more than one inquiry counted against you could negatively affect your credit scores.\nAlso, make sure you focus on the amount you're financing and not just the monthly payment. Lenders and dealers may offer longer repayment terms to make it easier to finance more affordably. But longer repayment terms may cost you more in interest, even if the monthly payment is less. END