Loan Calculators - The Calculator Site

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Whilst every effort has been made in building these loan payment calculators, we are not to be held liable for any special, incidental, indirect or consequential damages or monetary losses of any kind arising out of or in connection with the use of the calculator tools and information derived from the web site. These tools are here purely as a...

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Website: http://www.thecalculatorsite.com

Related topics : calculating loan payments formula / loan payment calculator car / loan calculator payment amount / calculating loan payments / used car loan calculator

Avail Second hand/Used Car Loan at lower interest rates ...

Now you can pay your EMI Online! Click here.

Secured Business Loans Calculator

You have a vision for your business; don't compromise it with unsecured loans. Loans that are secured can propel your business requirements significantly. With attractive interest rates, these loans for SMEs are uniquely designed to give the level of security that businesses need.

Use the secured business loan...

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Website: http://www.mahindrafinance.com

Related topics : used car loan emi calculator / used car loan interest rate / used car loan calculator / loan for business without security / car interest rate loan

Apply For Personal Loan Online, - iMoney.ph

Get free advice from our experts

Personal Loans in Philippines - FAQ

If you have short-term money needs, a personal loan can be the answer. With no collateral needed, you can easily apply for a personal loan at any bank in the Philippines. To learn more about the basics of personal loans, we've compiled this FAQ for your convenience.

What is a Personal Loan?

True to its name, a personal loan is a...

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Website: http://www.imoney.ph

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MazumaLoans - Same Day Cash Loans

No paperwork (on certain loans)

Option to settle early

Repay over a period to suit you

Cash immediately in your account

Customer Satisfaction

"Such a great service...you helped me to get a loan with no effort at all. Thank you!"

Sarah Cooper

"All other banks declined my loan application but you guys managed to find a lender that approved my loan immediately"

Thenus Coetzee

"I was struggling to...

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Website: https://www.mazumaloans.co.za

Related topics : direct loan servicing payment / loan direct servicing / direct loans contact / loan no credit check direct lender / home loan interest rate of all banks

No Credit Check Car Finance, Bad Credit OK ...

By clicking on the submit button below, I agree to the Declaration, Terms and Conditions

This is a great service and l got approval within 40 minutes !

Mrs. Kelly - Enfield

I have a very poor credit history but got approved the same day

Ms. Downsize - Harlow

Poor credit and no deposit - we still got the finance we wanted

Mr. Regent - Romford

Credit Problems no longer have to hold you back from...

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Website: http://www.usedcarfinancequote.co.uk

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Car Finance – Compare The Best Deals on Cheap Car Loans

Retrieve quotes

SECURED LOANS: YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE, LOAN OR ANY OTHER DEBT SECURED ON IT. 

We compare loans that can be paid back over terms of between 1 and 25 years. The APR interest rate you'll be charged depends on your personal circumstances, and will be between 3.2% and 99.9%

This is a representative example of what it may cost: a...

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Website: moneysupermarket.com

Related topics : used car loan interest rate / car interest rate loan / finance car loan / used car loan rates / car loan rate

How to Refinance Your Auto Loan with a Poor Credit Rating ...

If you're stuck with a poor credit rating you're likely to be offered a car loan with a high rate of interest. In general, if your FICO score is less than 640, you will be offered a subprime category interest rate. Although the interest rate offered depends on different factors, most customers with bad credit and low income are given an interest rate that's nearly 20 percent higher than the rate...

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Website: carsdirect.com

Related topics : bad credit auto loan refinance / auto loan rates based on credit score / poor credit auto loan refinance / car loan bad credit interest rate / auto loan interest rates

Loan Calculator - Prudent Minds

How the calculator works

This calculator uses a standard compound interest amortization formula to help you calculate the interest payable on a loan over any period. It will calculate loan payments, tell you the total sum to be repaid and the total interest you will pay. You will need to provide the duration of the loan (in months), the amount you intend to borrow and the APR (annual percentage rate) for the calculator to work. Please note that quoted APR's are intended to include the full cost of credit including any admin fees or additional charges....

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Website: http://money-saving-calculators.prudentminds.com

Related topics : interest car loan calculator / used car loan calculator / loan payment calculator car / car bank loan calculator / car loan calculator uk

Financial Calculators - Interest Calculator - Interest.com

Use these calculators to determine the best personal finance option.

Mortgage Calculators

Mortgage Calculator When shopping for a mortgage, it is important to evaluate the total cost of the loan. The annual percentage rate (APR) reflects the total cost of a loan by taking into consideration the interest rate plus any points and fees paid.

Mortgage Payoff Calculator See how you can pay your...

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Website: http://www.interest.com

Related topics : monthly payment auto loan calculator / mortgage loan rate of interest / debt consolidation loan interest rates / loan mortgage rate calculator / home equity interest only payment calculator

Car Payment Calculator South Africa - Carfin

Bike Financing? Get Easy Finance on your Bike Purchase Vehicle Financing Options, Which One Do We Choose?

Buying a car is on most of our wish lists. For the ones who already own a car, it might be the desire to buy a new car or replace the old one. But whatever be the case, we need to put into a lot of thought to finance a car purchase. Given the many financing options that are available in the market for purposes of car purchase like lease agreements, hire purchase and other options, car loan is one of the oldest and most used financing options in the market.

Getting a car loan gives you the opportunity to have the...

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Website: https://carfin.co.za

Related topics : used car loan emi calculator / used car loan calculator / loan payment calculator car / car bank loan or finance / car bank loan calculator

Repayments calculator | ANZ

All applications for credit are subject to ANZ's credit assessment criteria. Terms and conditions are available on application. Fees and charges apply.�

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Total loan repayments and repayment amount

For an ANZ Secured Car Loan, the total loan repayments shown is an estimate based on the total loan repayments,...

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Date: 2017-02-28 05:55:52
Website: https://www.anz.com.au

Related topics : used car loan interest rate / car interest rate loan / used car loan rates / car loan rate / interest car loan calculator

Loans - Apply for a personal loan from Tesco Bank

Personal loans with great rates

£1,000 - £2,999

An exclusive online loan to give your purchase power a boost

If you need a loan between £1,000 - £2,999 and you're happy applying online, then this fixed rate small personal loan with an exclusive rate for Clubcard customers might be just what you were looking for.

Borrow over a 1-3 year loan term

Choose your monthly payment date and pay a fixed...

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Website: http://www.tescobank.com

Related topics : car bank loan interest rate / used car loan interest rate / car interest rate loan / home loan rate interest / low rate loans tesco

Auto Loan Calculator | Credit Union Auto Loans | NASA FCU

Menu Resource Center » Auto Loan Calculators » Auto Loan Calculator Print Share

AUTO LOAN CALCULATOR

Use this calculator to help you determine your monthly car loan payment or your car purchase price. After you have entered your current information, use the graph options to see how different loan...

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Website: https://www.nasafcu.com

Related topics : monthly payment auto loan calculator / car loan auto calculator / loan calculator auto with down payment / finance calculator auto loan / calculator auto loan amortization

New Car Loan Interest Rates from Nationwide

Previous residence information if you've been in your current home less than two years

Previous employer if you've been with your current employer less than two years

The amount you would like to borrow

Annual salary or other income information that you wish to have considered as a basis for repaying your loan

Current auto insurance information

Bank account information for your automatic loan...

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Website: https://www.nationwide.com

Related topics : used car loan auto rates / car bank loan interest rate / monthly payment auto loan calculator / car payment auto loan / auto loan interest rates

5 Types of Collateral for Auto Loans - Financial Web

Using collateral for auto loans will significantly reduce the cost of the loan by lowering the interest rate. With collateral, the borrower is assuming more of the risk than the lender. This allows the lender to offer lower rates and more flexible terms. Consider these sources of potential collateral:

#1 The Car Itself

Nearly every auto loan uses the car being financed as collateral. The lender...

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Website: http://www.finweb.com

Related topics : used car loan auto rates / loan car title collateral / used car loan interest rate / loan auto collateral / used car loan rates

Auto Loans - CreditLoan.com®

More consumer protection information is available here .

Auto Loan Basics

Like all loans, car loans come with a variety of terms and conditions that affect the minimum monthly payment and total amount of the loan. These terms and conditions include the length of the loan, interest rate and down payment amount.

Term Length

The term length is simply the amount of time required to pay back the loan....

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Website: https://www.creditloan.com

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Auto Loan - Police and Fire Federal Credit Union

Protecting Your Credit

Service. Value. Convenience. Trust.

You appear to be using an old version of Internet Explorer (IE). Unfortunately, this calculator requires IE8 or newer. Please upgrade to a newer version of IE or use a different browser to access this calculator.

Auto Loan Calculator

Use this auto loan calculator to help you determine your monthly car or...

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Website: http://www.pffcu.org

Related topics : monthly payment auto loan calculator / car loan auto calculator / loan calculator auto with down payment / car payment auto loan / calculator auto loan amortization

California Loan Find – Good and Bad Credit

This consumer has an old car and is wondering about how to buy a $30,000 car with a bad credit rating. Old cars that break down often are usually not a good investment. They cost a lot of money to repair�and they are potentially unsafe as well. Bald tires, poor brakes, and rusty muffler systems are just a few of the problems with older cars. The last thing you want is a breakdown on an...

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Website: http://californialoanfind.com

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Review of Philipine Banks' Customer Service and Car Loan ...

Personal Finance Apprentice

Review of Philipine Banks' Customer Service and Car Loan Rates Part 3

This is part 3 of a 3-part series. If you haven't read part 1 and part 2 yet, I recommend that you do so.

In the previous articles, we evaluated 9 different banks' customer service. In this article we'll go over who has the the lowest interest rates on car loans.

But most banks don't give out rates...

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Date: 2017-02-27 00:09:28
Website: http://www.personalfinanceapprentice.com

Related topics : car bank loan interest rate / used car loan interest rate / mortgage loan rate of interest / car interest rate loan / car bank loan rates

Title Loans Express

Title Loans Express because they cut out the middle man. Than means I'll get the best finance charges

Save up to 45% by refinancing your car title loanWe GUARANTEE our interest rate will be lower!

approved in 15 minutes

Welcome to Title Loans Express

If you have ever been turned down or had trouble getting auto financing in California, Arizona & Georgia, then the best option could be applying for...

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Date: 2017-02-28 01:13:11
Website: http://www.titleloansexpress.com

Related topics : loan car title california / loan car title collateral / loan car title for cash / loan auto title / loan car title

5 Ways to Borrow Money With Bad Credit - wikiHow

Getting a Loan from a Friend or Family Member

1

Find someone to borrow from. If you have a friend or family member who is willing to loan you some money, this may be your best option, as someone you know is more likely to loan you money on flexible terms and/or at a better rate.

2

Agree to terms. Make an agreement with your friend or family member about how much they are willing to loan you and...

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Website: http://www.wikihow.com

Related topics : car loan bad credit interest rate / used car loan interest rate / car bank loan interest rate / car loan bad credit credit union / get a car loan with bad credit

Auto Loan Calculator (Canadian)

Auto Loan Calculator (Canadian)

Use this calculator to help you determine your monthly car loan payment or your car purchase price. After you have entered your current information, use the graph options to see how different loan terms or down payments can impact your monthly...

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Website: http://www.cchwebsites.com

Related topics : monthly payment auto loan calculator / car loan auto calculator / loan calculator auto with down payment / used car loan calculator / calculator auto loan amortization

Loan Calculator

Use this calculator to determine the monthly payment for a fixed-rate loan. For car loans, determine if a longer term makes...

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Website: http://www.finra.org

Related topics : loan payment calculator car / used car loan calculator / used car loan interest rate / loan payment calculator mortgage / calculating loan payments

Deducting Business-Related Interest Loan Payments | Nolo.com

Interest you pay on business loans is usually a currently deductible business expense . It makes no difference whether you pay the interest on a bank loan, personal loan, credit card, line of credit, car loan, or real estate mortgage. Nor does it matter whether the collateral you used to get the loan was business or personal property. If you use the money for business, the interest you pay...

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Website: http://www.nolo.com

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Auto Loan Calculator for Excel - vertex42.com

Screenshot

1. Use the Auto Loan Calculator worksheet to calculate the amount you will need to finance, based on the sales price of the car, destination charge, fees, sales tax, down payment, cash rebate, and trade-in value of an older auto.

2. Use the Payment Calculator worksheet (the featured image above) to create an amortization table based on the auto loan amount, annual interest rate, term...

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Date: 2016-11-21 02:24:25
Website: https://www.vertex42.com

Related topics : loan calculator auto extra payment / monthly payment auto loan calculator / loan calculator auto excel spreadsheet / loan calculator auto interest paid / calculator auto loan interest

Mortgage and Loan Calculators - Calculate payment amount ...

  5 years =   60 months

  3 years =   36 months

EXAMPLES:

If you want to calculate how much a mortgage payment will be on a $200,000 mortgage at 5.00% interest for 360 months, you would enter:

200,000 for the Loan Amount

360 for Months

5 for Interest Rate (Compounded Monthly)

Press the Payment button, and you'll see that your payment would be $1,073.64.

Note: If you look down the amortization...

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Date: 2017-02-16 13:47:02
Website: http://www.mycalculators.com

Related topics : amortization loan calculator extra payment / loan payment calculator mortgage / loan payment calculator car / loan calculator payment schedule / loan calculator payment amount

Car Loan Calculator | Suncoast CU

GO

Car Loan Calculator

Use this calculator to help you determine your monthly car loan payment or your car purchase price. After you have entered your current information, use the graph options to see how different loan terms or down payments can impact your monthly payment. You can also examine your complete amortization schedule by clicking on the 'View Report' button.

Financial Calculators...

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Website: https://www.suncoastcreditunion.com

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Bank Al Habib Apni Car Auto Loan In Pakistan Calculator

Bank Al Habib Apni Car Auto Loan In Pakistan Calculator

Bank Al Habib Apni Car Auto Loan In Pakistan Calculator

by Moin akhtar

Jun 24, 2016

Now, Bank Al Habib Pakistan has announced this Apni Car Auto Finance Scheme for all of their valued customers. We have seen that this Al habib has more than 424 branches network in the 120 cities in Pakistan and now they have come up with this fantastic...

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Website: http://ilm.com.pk

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EMI Calculator India - Home Loan, Personal & Car Loan ...

* Calculate monthly payment EMI, Total Interest and Total Payment (Principal + Interest)

* Can compare the loans

* Can check yearly and monthly payments of EMI, Principal and Interest amounts

* Create the loan profiles to track your monthly EMI amount and payment dates.

* Easy intractable UI

* Can share the EMI results

* Can share the amortization chart details with your friends/customers in...

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Website: http://emicalculators.in

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Vehicle Loan Rates - myeecu.org

Auto Loan Maximum $20,000. Must be titled in California. Required automatic payment from checking account.

Used Auto Loans

Auto Loan Maximum $100,000. Must be titled in California.

"As low as" rate includes .50% discount for automatic payment from checking account.

Student Used Auto Loans

Auto Loan Maximum $20,000. Must be titled in California. Required automatic payment.

New RV/Boat Loans

RV...

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Website: http://www.myeecu.org

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Loan Amortization Spreadsheet | Excel DCF Models

Free Loan Amortization Spreadsheet

A loan amortization is a common discounted cash flow (DCF) application that consumers encounter in their everyday lives. Amortization schedules apply to all types of financing, including home mortgages, car loans, business loans and low APR credit cards.

Amortization schedules apply to all types of finance loans.

The amortization period of a finance loan usually...

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Website: http://dcf-models.com

Related topics : amortization loan schedule excel / amortization loan excel / amortization schedule loan / amortization loan table / amortization loan

Loan Calculator – FINRA

Use this calculator to determine the monthly payment for a fixed-rate loan. For car loans, determine if a longer term makes...

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Website: http://apps.finra.org

Related topics : loan payment calculator car / used car loan calculator / used car loan interest rate / loan payment calculator mortgage / used car loan rates

Home Refinance - Calculator

Refinance Calculator

Refinance Calculator

The refinance calculator is used to plan the refinancing of your loan with various choices: Possible cash out, refinance cost, and points are all considered. It will compare the monthly payment, total payment, interest, and offers the possibility to view the existing loan and refinanced loan side-by-side.

Current Loan

Original Amount of Current...

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Website: calculator.net

Related topics : loan calculator refinance mortgage / loan refinance calculator car / home equity loan refinance cash out / used car loan interest rate / home equity loan refinance calculator

PHH Mortgage | Debt Consolidation

Is refinancing your mortgage to consolidate debt the right choice for you?

First, take a look at the outstanding debts you want to pay off: credit card payments, car loans, student loans. Consider their current balances, minimum payments and interest rates. Then compare refinancing to this type of mortgage loan against other...

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Date: 2017-02-23 00:10:37
Website: https://www.phhmortgage.com

Related topics : consolidation debt loan mortgage refinancing / debt consolidation home mortgage loan / refinance debt consolidation mortgage loan / debt consolidation mortgage loan / loan consolidation credit card debt

Car Payment Calculator - Nationwide

Apply Now

Take the next step and get an auto loan

Now that you've estimated your monthly payments and lifetime interest using our auto loan payment calculator, learn about the different auto loan options from Nationwide®. It doesn't matter if you're buying your first car or your tenth, we have the car loan financing information to make the choice that's right for your...

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Website: https://www.nationwide.com

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Low Interest Rate Car Finance Loans | Arnold Clark

Representative

Monthly Payment+

Is the agreed fixed monthly payment you will make, each month, to eventually own your car.

Cash Price+

Is the price the car is being sold for.

Total Credit Amount+

Is the amount of credit you are going to finance. Normally it's the cash price minus your deposit.

Completion Fee+

This is a £1 fee charged at the end of your term to allow the ownership of the car to be passed to you.

Customer Deposit+

The amount you pay towards the car at the outset.

Fixed Interest Rate+

The interest you pay on the total amount of the car for the entire duration of...

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Website: https://www.arnoldclark.com

Related topics : car interest rate loan / interest car loan calculator / interest car loan / finance car loan / get a car loan with poor credit

Pierre Money Mart | Bad Credit Car Loans | Seattle, WA

At Pierre Money Mart, we specialize in providing car loans for people with bad credit. We know that new and used car customers in Seattle sometimes need a little help to find the right auto loan provider. If you think you have a really bad, or low credit rating, and have been turned down in the past, chances are we can help. Bad credit car loans are Pierre Money Mart's specialties.

More Information

We also know that getting an approval for a car loan while having no credit record can be almost as difficult as getting a car loan with...

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Website: http://www.pierremoneymart.com

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Loan Amortization with Microsoft Excel | TVMCalcs.com

Loan Amortization

with Microsoft Excel

Are you a student? Did you know that Amazon is offering 6 months of Amazon Prime - free two-day shipping, free movies, and other benefits - to students? Click here to learn more

This is the first of a two-part tutorial on amortization schedules. In this tutorial we will see how to create an amortization schedule for a fixed-rate loan using Microsoft Excel...

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Website: http://www.tvmcalcs.com

Related topics : monthly payment auto loan calculator / amortization loan calculator extra payment / loan calculator payment amount / amortization loan schedule excel / calculating loan payments formula

home loans with FHA - FHA Home Loan Refinancing

FHA Loan Limits

Did you know that the Federal Housing Administration has insured 35 million FHA house loans since 1934? The agency has insured over 5 million single family lines and 13,000 insured multifamily projects in its portfolio.

Are you searching online for loan companies that are approved to extend FHA home loan programs? With the housing recovery underway in most regions across the...

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Date: 2016-01-22 22:45:50
Website: http://www.fhahomeloanrefinancing.com

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Debt to Income Ratio Calculator - Mortgage DTI Ratios

Debt to Income Ratio's

Debt to Income Ratio Calculator

Debt to Income Ratio / DTI Calculator - What are your mortgage Debt to Income Ratios? - Calculate your Debt to income ratios or DTI used by mortgage lenders to determine your maximum loan amount. There are two main debt to income ratio forumlas; a) front-end DTI - which is your housing expense /...

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Website: http://www.mortgage-info.com

Related topics : mortgage loan debt to income / mortgage loan debt to income ratio calculator / mortgage loan debt to income ratio / mortgage loan debt ratio / mortgage debt consolidation loan calculator

Car Finance, Car Loan, Vehicle Finance - Autotrader New ...

Views: 72692

ABOUT US

up2drive Financial Services offers a new approach to automotive finance. By offering conditionally pre-approved online car finance, shopping for a car has never been easier. A conditionally pre-approved secured car loan from up2drive gives you confidence in searching...

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Website: http://www.autotrader.co.nz

Related topics : get a car loan online / finance car loan / get a car loan before you shop / car loan autotrader / get a car loan

HSBC Homeowner Loans - Money Advisor

Secured Loans From £10,000!

Same Day Decision!

One of the Top 3 Internet Providers!

Lowest Interest Rates!

Get Your Low Rate Secured Loan Approved Today!

Secured Loans From £10k to £200k!

Secured loans for UK home owners from £10,000 to £200,000 for any purpose: home improvements, debt consolidation, holiday, car purchase.

We can help - even if you have had problems in the past, you may...

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Website: http://money-advisor.co.uk

Related topics : debt consolidation loan interest rates / loan consolidation credit card debt / secured loan credit / consolidation debt home loan / home improvement loan rates

How to Calculate Interest on a Loan - thebalance.com

By Justin Pritchard

Updated November 21, 2016

The easiest way to calculate loan interest is with a calculator or spreadsheet, but you can also do it by hand if you prefer. We'll cover each of those approaches on this page.

Technology makes quick work of the calculations, but when you do the math yourself (at least some of it) you notice details that can help you make better financial...

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Website: https://www.thebalance.com

Related topics : monthly payment auto loan calculator / calculating loan interest / calculator auto loan interest / loan calculator auto interest paid / interest car loan calculator

Can I Get a Car Loan with a Part IX Debt Agreement ...

How Does a Part IX Agreement Affect my Car Loan Application?

Rapid Finance on 29 July 2014

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It's quite easy to take your car for granted when it's sitting in your driveway awaiting your instructions for take-off. But what if it wasn't there? Being without a car is an inconvenient pickle many people find themselves in, as it's not always easy to come up with funds for a new...

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Date: 2017-02-21 22:02:02
Website: https://gorapid.com.au

Related topics : car loan bad credit history / get a car loan with bad credit / car loan bad credit / bad credit loans debt agreement / apply loan bad credit

Bad Credit Loans Canada – Apply for Loans for People with

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If you wish to speak to someone: Contact Us

Related Bad Credit Loans Products

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Compare Bad Credit Loans

If you have bad credit but need a...

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Website: http://www.whichwaytopay.ca

Related topics : poor credit debt loans / poor credit debt consolidation loans / debt loans for bad credit / debt consolidation loans for poor credit / debt consolidation loans for bad credit

Auto Loan Calculator - Mobile! - CalcNexus

TIPS to Pay Less Interest

Make a larger down payment (lower loan amount)

Buy a less expensive car

Get a lower interest rate

Make extra payments (pay more than the normal monthly payment, assuming you are allowed to and that you don't get penalized for it)

Pay off early (by making extra payments or a balloon payment)

More frequent payments (small effect - just go with monthly by...

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Website: http://calcnexus.com

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Car Loan Calculator ~ Auto Loan Payment Calculator

Important information about our rate tables | Powered by Bankrate

Loan Rate Disclaimer Information

The listings that appear on this page are from companies from which this...

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Website: http://www.onlineloancalculator.org

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Declined Loans Ads | Gumtree Classifieds South Africa

Looking for a 'loan decline' lead provider. We need about 2 thousand leads per month at a reasonable rate. Email info@debtfreeslt.co.za should you be able to help.

23 Feb

Published in: Sales & Telemarketing jobs , Pietermaritzburg

1 Photo(s)

PREVIOUSLY DECLINED DUE TO AFFORDABILITY?We can help you to correct you affordability and to get a loan.Loans up to R300.000.00No upfront fees...

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Website: https://www.gumtree.co.za

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Can You Take a Personal Bank Loan out for a Down Payment ...

Can You Take a Personal Bank Loan out for a Down Payment on a Home?

Borrowing the down payment from a bank increases your monthly costs.

Mortgage lenders generally want you to obtain a down payment from anywhere but another lending institution. If you take out a bank loan for the down payment on a home, it signals to the lender that you don't have the means to save or otherwise build the funds up...

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Website: http://homeguides.sfgate.com

Related topics : car bank loan interest rate / home loan rate interest / bank home loan / mortgage rate home loan / car bank loan rates

How to Get a Car Loan with Bad Credit - Realcartips.com

TABLE OF CONTENTS

How to Get a Car Loan with Bad Credit

If you have bad credit, you're not alone. Around 25% of consumers are considered sub-prime - meaning they have a credit score below 620, usually as a result of not paying bills on time, going through bankruptcy, or repossession.

Getting a car loan with bad credit really depends a lot on the current lending climate as well as factors such as...

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Website: http://www.realcartips.com

Related topics : get a car loan with bad credit / get a car loan online with bad credit / get a car loan with no credit / car loan bad credit interest rate / car loan bad credit no money down