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You probably have a long history with your bank through your savings accounts, which might help if you have no credit history. A traditional car loan from a bank or credit union can be secured or unsecured. Http://funnydays1.com/texans/chevron-federal-credit-union-auto-loan-rates.php car loan: This type of loan is usually secured by the car. Some lenders will approve a new car loan for cars that are 2 or 3 years old.

The higher the value of the car, the lower the interest rate may be on this type of car loan. Unsecured article source loan: An unsecured frfe loan source has view credit report free higher interest rate than a new car loan view credit report free secured car loan.