When you are ready to get that next car loan, remember, there are more options available to you that you may have thought.

For example, it often pays to get a proposal from a local bank or credit union rather than the dealer or an online loan company. At the very least you will see the difference is loan packages and will be in a better position to choose.

Always compare different loan agreements before making a final decision. Rates and fees can be significantly different from one company to another. And don't forget about the local companies. They are often very competitive.