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The best car loan rate locally can be found using a Credit Union. With that being said, it is possible to get better rates elsewhere. The determining factor is things like your credit score, how much you are putting down, if you are buying a new or used car (except for credit unions which give you the same rate for either, most institutions give you a better rate if the car you are purchasing is new), and the loan term.

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Q: Where can the best car loan rate be obtained in your area?
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