This calculator will help you set a budget for your car Finance based on the price of the vehicle and your desired down payment. All rates are pre set based on variable bank interest rates ranging from 4.74% up to 19.99%. You can get a payment estimate based on choosing how you think your credit rating is at the moment. To qualify as an excellent or good credit you should have an equifax score of 680 or higher. If you had a problem in the past with you credit ,you can choose poor or average as your credit rating. Your actual interest rate will be determined after a full examination of your credit score and history. To get a pre approval for a car loan please fill out the credit application. After completing the application you will be contacted by a loan expert to discuss possible loan options.