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The structures and financial solutions that have developed for auto financing are based on a few contextual characteristics:

Most borrowers ask us why credit check is necessary in the case of auto loans. The reasons are not that complex:

  1. By verifying the credit history, lenders may get an idea regarding your current financial situation and past financial behavior. Here’s what they check to get to this information:
    1. If past payments were made on time – this is a good indicator for your credibility and reliability as a borrower;
    2. If the borrower has filed for bankruptcy – this determines the financial behavior of the company in the possession of the borrower and it’s not critically important if you want to take a loan on personal grounds;
    3. If the borrower has had past credit extensions – they use this to adjust their offers and to further understand borrower’s behavior;
    4. What were the previous credit limits approved – this helps lenders better comprehend your financial power.
  2. Credit check is required in order to determine the interest rate approved for the loan. There are certain regulations lenders generally abide by, so this is actually quite a basic procedure. As a general rule, the higher the credit score, the lower the interest rate you’ll get.

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