Finding the right car loan rates can be a bit confussing.  It seems like a straight forward thing.  You really want to make sure you do a few things to make sure you are getting the best deal for you.

If having the lower rates and for a shorter time then you will want to forgo rebates and other incentatives.  

Car Loan Rates

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If having the over all lowest car loan rates is the most important thing then you will have to break out the calculator and start crunching numbers.  Here are a few cenarios.

1. you get a better rate with a shorter loan time with some rebates

2. you get a better price by going with a lower interest rate and no rebates

3.  you get a better price by going with a slightly higher nterest rate and take all the rebates being offered.

you will just have to get all the numbers from your dealer and crunch the numbers to find out which combination brings you the best over all price.  This will then determine the total amount the car costs.  Interest car loan rates are one factor.  You should really look at the total cost of the car.

Just remember if you have car loan rates from another source and you work out a deal with the car dealership they may have to back out of some of it if you do not get financing from them.  They do need to make a profit and they may have been willing to forgo a little profit on the loan to close the deal.  Most car dealers do not make alot off each car anymore. Most have alot of overhead that they have to factor in to the sell of each car.