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Car Loan FAQ
What is loan-to-value-ratio?
The loan-to-value ratio is a comparison of the loan amount to the value of the vehicle. The value of a vehicle can be found by consulting an auto industry pricing guide such as NADA or Kelley Blue Book.

What is a lien holder?
A lien holder is the institution that has the right to take and hold or sell the property of a debtor as security or payment for a debt borrowed (commonly a banking institution).

How do the credit bureaus play a role in the decision making?
Credit bureaus provide lenders with your credit report. This is what lenders primarily base their decision upon whether to extend credit to the borrower. Credit bureaus don't make the decision for the lenders. Also, lenders may have different credit standards from one another that they consider acceptable to receive credit.

What does APR stand for and what is it's meaning?
APR stands for Annual Percentage Rate. It provides you with a rate to use when comparing loans. The APR on a loan includes the costs involved in securing the loan, such as the interest rate, points and other related fees you pay annually.

What is Title Insurance?
Title insurance is required by lenders. It provides protection for the buyer and lender in the event of complications with the title after the deal has been made.