Title says it all?

 

one that has good rates.

 

Capital One has a pretty good auto program

 

Bank of America is great!

 

https://www.starone.org
4.5% on auto loans right now

 

i've heard soem good things about eloan.com

 

If you don't qualify for StarOne, and it looks like most people don't, Costco/Capital One (via Costco website) has the most competitive rates I've found.

New Dealer APR*****30-36 mos=4.24%*****37-60 mos=5.00%*****61-72 mos=5.70%
Used Dealer APR****30-36 mos=4.84%*****37-60 mos=5.34%*****61-72 mos=6.20%

Executive members get another .10% rate reduction.

Also, FWIW, Riverside Infiniti is currently advertising 4.39% for up to 60 months (66 mo. according to one sales rep, but unlikely)

 

when it says FIXED loan does that mean i will have to pay for whatever 7yrs i signed up or can i pay it earlier by doubling payments or something?

 

Well, where are you located?

DCU is one of the best (www.dcu.org)

 

search for one locally... they will be your best bet as compared to main stream banks.
There should be a CU around where you live.

 

Look here for a summary of loans from many banks...

http://www.bankrate.com/brm/rate/auto_home.asp?link=5

 

Depends completely on what you qualify for.

When I was shopping my G, advertised rates were around 4.25 but several banks offered 3.9 because of my credit score. I ended up getting the 2.9% from Infiniti which I didn't even know about at the time.

When I bought my truck I went in approved for 3.9% but the dealership was able to get local money cheaper - 3.3%. I went with their bank.

If your credit score isn't so good you may not qualify for what they advertise or just the opposite - a good score may get you better than what they advertise.

Hard question to answer with so few details and so many variables.