GOOD CREDIT CAR LOANS

Good credit gives you all kinds of options

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We like to keep you up to date on deals in the automotive marketplace, so check out our page on best new cars for bad credit customers and our page on best used cars in the $10,000 range.

Our auto finance newsletter contains the absolute latest information on rate cuts and manufacturer incentives.

Our monthly loan payment calculator can help you keep from buying more car than you can afford.

Our dealership tips might save you money.

And if you're done shopping around, go ahead and apply. Our online car loan application is free and puts you under no obligation.

Don't get us wrong. We'd love your business, we are part of an electronic network that can get hundreds of lenders to compete for your loan, and you can apply right here right now.

But here's the truth. If you know your credit score is good (660 to 700, or maybe even higher depending on the manufacturer) keep an eye on the car ads and wait for a dealer promotion of zero percent financing. No bank can compete with free.

So why is it that people with good credit don't take advantage of such promotions?

• Most people think because the rate is so low, there's no haggle room on the price. To which we say -- HELLO? Have you seen auto sales figures this year? You take away the standard great sellers (Camrys and Accords) and you can haggle on ANYTHING.

• This promotion is often a choice -- zero percent or cash back -- and people prefer cash.

• Finally, zero financing deals have historically only been for three years. That makes for a higher monthly payment, but if you start planning today to save up for a bigger downpayment, that problem will go away.

BOTTOM LINE: Apply if you're in a hurry and we'll take care of you. If you're not in a hurry, we're going to be honest -- think about those zero percent offers first.