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## Tips for Saving on Your Car Loan
Interest rates are influenced by market conditions, including economic trends and the Federal Reserve's monetary policy. When interest rates rise, car loan rates typically go up, and vice versa.

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• **Your financial capacity:** Do you have the budget to handle higher monthly payments?
• **New Car Loans:** These loans are specifically designed for purchasing brand-new vehicles directly from dealerships.

Now that we've delved into the key factors influencing your car loan rate, it's time to arm yourself with the strategies to secure a cheap loan. These steps will equip you to navigate the loan landscape with confidence and unlock the best possible terms for your dream car.

• **Loan Term:** This refers to the duration of the loan, typically expressed in months or years. A shorter loan term generally means higher monthly payments but less overall interest paid.

**b. Credit Union Loans**

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