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Auto Loans

Explore Incacar articles about Auto Loans. Follow each guide to its sources and confirm the details for the vehicle, location and date that matter to your purchase.

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Calculator for comparing payment options
Guide

Pay Cash or Finance a Used Car? Compare Liquidity as Well as Interest

Paying cash avoids borrowing costs. It also moves money out of your bank account at once.

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Hyundai Sonata sedan
Guide

How Much Down Payment Does a Used Car Need?

There is no single down-payment percentage that works for every used-car buyer.

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Vehicles displayed at a used-car lot
Guide

Trading In a Car With Negative Equity: Follow the Balance

If your loan payoff is larger than the trade-in allowance, the shortfall does not disappear when you change cars.

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Damaged car being recovered after a collision
Guide

Does a Used Car Need GAP Coverage?

GAP is intended to address a possible difference between a vehicle’s insurance settlement and the amount owed on its loan after a qualifying total loss or theft.

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Vehicle identification plate in an Audi engine compartment
Guide

A Clean Vehicle History Report Can Still Have Gaps

A history report tells you what its data sources have reported. It does not watch the vehicle continuously.

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Kia Optima sedan
Guide

Buying a Used Car With a Loan Still Owing

A seller may still owe money on the vehicle you want to buy.

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Honda Accord sedan
Guide

Used-Car Loans: Compare the Total, Not Just the Monthly Payment

Compare used-car loan offers with the same amount financed, APR and term. See a worked example and a checklist for fees and optional products.

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