If you’d rather not risk being left out of pocket by car finance rate rises, you might consider a fixed-rate car loan, where the interest rate stays the same for the lifetime of the loan. While you won’t enjoy savings from interest rate cuts, at least you’ll enjoy the security of knowing exactly how much you’ll be paying per month.No sales tax deduction for trade-in If you live in a state where your sales tax is calculated on your full purchase price, check this box. If this box is unchecked, sales tax is calculated on the purchase price less trade-in. Currently California, the District of Columbia, Hawaii, Maryland and Michigan allow no deductions for trade-ins when calculating sales tax.Find all banks latest car loan interest rates: compare Government banks, private banks interest rates on car loans (Floating and Fixed Rates)in India at Deal4loans.com.Rates as low as 4.59% APR (Annual Percentage Rate) are available for 3-year auto loans $10,000 and higher at 100% loan-to-value (LTV) or less. Rates may be higher for loans to purchase a vehicle from a private party, smaller loan amounts, longer terms, vehicles older than 6 model years and a lower credit score.At my 29th birthday, I sat at about $250K in debt made up of credit cards, car loans. Sure some interest is tax deductible, and some people may choose to invest, and try to generate net positive.chco also has positive interest rate risk position. It has been demonstrating consistently superior performance to its peer group over the last several years. In our opinion, the most significant.The national average for US auto loan interest rates is 4.21% on 60 month loans. For individual consumers, however, rates vary based on credit score, term length of the loan, age of the car being financed, and other factors relevant to a lender’s risk in offering a loan.The pool of money in society expands when they issue debt based products, such as credit cards, car loans, or overdrafts. called “debt service ratio” is determined by the payment’s interest rate.At the height of the financial crisis, the unprecedented decline in swap rates below Treasury yields was seen as an anomaly. The phenomenon is now widespread. Swap rates are what companies, investors.