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<!DOCTYPE html>      <html class="no-js" lang="en">  <head> <meta charset="utf-8"> <meta http-equiv="X-UA-Compatible" content="IE=edge,chrome=1"> <title>Car Ads: Low Interest Loans & Other Offers: FTC Fast Facts</title> <meta name="description" content="Car Ads: Low Interest Loans and Other Offers: FTC Fast Facts pamphlet offers a great deal of helpful advice."> <meta name="keywords" content="car ads loans offers dealers advertised special dealer financing low interest dealer invoice advertising law trade-in allowance"> <META NAME="owner" content="JLCom Publishing Co., LLC"> <META NAME="copyright" content="1999, 2000, 2001, 2002, 2003, 2004, 2005, 2006, 2007, 2008, 2009, 2010, 2011, 2012, 2013, 2014, 2015, 2016, 2017"> <META NAME="robots" CONTENT="all"> <meta name="viewport" content="width=device-width"> <link href="http://widgets.twimg.com/j/1/widget.css" type="text/css" rel="stylesheet"> <link rel="stylesheet" href="css/screen.css"> <script src="js/libs/modernizr-2.5.3.min.js"></script> </head> <body class="article">  <header> <nav> <ul class="clearfix"> <li><a href="http://www.lawpublish.com/">Home</a></li> <li><a href="http://www.lawpublish.com/about2.html">About Us</a> <ul> <li><a href="http://www.lawpublish.com/gbook/">Guest Book</a></li> <li><a href="http://www.lawpublish.com/sitemap.html">Site Map</a></li> </ul> </li> <li><a href="http://www.lawpublish.com/press-releases/">Press Releases</a></li> <li><a href="http://www.lawpublish.com/hot1.html">Resources</a> <ul> <li><a href="http://www.lawpublish.com/calendar.html">Calendar of Events</a></li> <li><a href="http://www.lawpublish.com/hot1.html">Advertising Law Resource</a></li> <li><a href="http://www.lawpublish.com/doc.html">FTC Documents</a></li> </ul> </li> </ul> </nav> </header> <section id="content" class="clearfix"> <table border=0 cellspacing=0 width=100%><tr><td ALIGN="RIGHT"><table border=0 cellspacing=0 cellpadding=0><tr><td width="565"> </td><td> <FONT COLOR="black" FACE="Arial" SIZE=1> <SCRIPT LANGUAGE="JavaScript">  </SCRIPT> </FONT> </td> <td height=24> </b> </td></tr></table></td></tr></table> <article class="column"> <p><CENTER><img src="ftc1_banner.jpg" alt="Advertising lawyers, including in-house counsel and outside counsel, need to comply with laws involving false, unfair and deceptive acts"></CENTER></p> <ins id="google_ads_frame1_anchor" style="border: medium none ; margin: 0pt; padding: 0pt; display: block; height: 0px; position: relative; visibility: visible; width: 468px;"> </ins> <p><center><script type="text/javascript"> </script> <script type="text/javascript" src="http://pagead2.googlesyndication.com/pagead/show_ads.js"> </script></center></p> <p><CENTER><H1>Car Ads: Low Interest Loans and Other Offers</H1></CENTER></p> <div align=center><center> <table width=200 COLSPEC="L20 L20" HEIGHT="10"> <tr><td><font size=7><em><b>facts</b></em></font></td><td><font size=4>for Consumers</font></td></tr> </table> </center></div> <CENTER><hr noshade width=33%></CENTER> <p align=center><font size=1><b>Federal Trade Commission - January 1993 </b></font></p> <CENTER><hr noshade width=33%></CENTER> <p align=center><br> <font size=6>Car Ads: Low Interest Loans & Other Offers </font><br> <font size=6><em><b>fast facts</b></em></font> </p> <div align=center><center> <table border=7 cellpadding=5 width=350 COLSPEC="L20" HEIGHT="400"> <tr><td><ul> <li>Read the ad carefully when considering an advertised special. <br> <br> </li> <li>Call or visit the dealer to find out about all the terms and conditions of the offer. <br> <br> </li> <li>Ask if the financing requires a larger-than-usual downpayment. Perhaps 25 or 30 percent. <br> <br> </li> <li>Find out it there are limits on the length of the loan. Are you required to repay the loan in a short period of time, such as 24 or 36 months? <br> <br> </li> <li>Ask if the low rate applies to all cars, whether you order one or buy one off the lot. Also ask if the offer applies only to certain models. <br> <br> </li> <li>Read your invoice and the installment contract carefully. Check to see that all the terms of the contract reflect the agreement you made with the dealer. </li> </ul> </td></tr> </table> <p></p> </center></div> <div align=center><center> <table width=230 COLSPEC="L20" HEIGHT="80"> <tr><td><font size=2>Bureau of Consumer Protection Office of Consumer & Business Education<br> (202) 326-3650</font> </td></tr> </table> </center></div> <p><font size=7>M</font>any new car dealers have been advertising unusually low interest rates and other special promotions such as high trade-in allowances and free or low-cost options. While these advertisements may help you shop, finding the best deal requires careful comparison.<br> <br> There are many factors that determine whether a special offer provides genuine savings. The interest rate, for example, is only part of the car dealer's financing package. Other terms, such as the size of the downpayment, also affect the total financing cost. Be sure to consider all aspects of a financing plan before you sign a contract.<br> <br> When considering an advertised special, read the ad carefully and call or visit the dealer to find out about all the terms and conditions of the offer. Then compare the specials advertised by other dealers. <br> <br> </p> <h3>Questions About Low Interest Loans</h3> <p>Listed below are some financing questions you should consider when talking to dealers.<br> * Will you be charged a higher price for the car to qualify for the low-rate financing?<br> <br> * Would the price be lower if you paid cash, or supplied your own financing from your bank or credit union?<br> <br> * Does the financing require a larger-than usual downpayment? Perhaps 25 or 30 percent?<br> <br> * Are there limits on the length of the loan? In other words, are you required to repay the loan in a shorter period of time, such as 24 or 36 months?<br> <br> * Do you have to buy special or extra merchandise or services such as rustproofing, an extended warranty, or a service contract to qualify for a low interest loan?<br> <br> * Is the financing available for a limited time only? Some merchants limit special deals to a few days or require that you take delivery by a specified date.<br> <br> * Does the low rate apply to all cars in stock or only to certain models?<br> <br> * Are you required to give the dealer the manufacturer's rebate (if one is offered) to qualify for financing?<br> <br> </p> <h3>Questions About Other Promotions</h3> <p>Other special promotions include high trade-in allowances and free or low-cost options. Some dealers also promise to sell you a car for a stated amount over the dealer's invoice. The following questions can help you determine if such special promotions offer genuine value.<br> <br> * Does the advertised trade-in allowance apply to all cars, regardless of their condition? Are there any deductions for high mileage, dents, or rust?<br> <br> * Does the larger trade-in allowance make the cost of the new car higher than it would be without the trade-in? You might be giving back the big trade-in allowance by paying more for your new car.<br> <br> * Is the dealer who offers high trade-in allowance and free or low-cost options actually giving you a better price on the car than another dealer who does not offer such promotions?<br> <br> * Does the "dealer's invoice" reflect the actual amount that the dealer pays the manufacturer? You can consult consumer or automotive publications for information about what the dealer pays.<br> <br> * Does the "dealer's invoice" include the cost of options, such as rustproofing or waterproofing, that already have been added to your car? Is the dealer charging more for these options than other dealers?<br> <br> * Does the dealer have cars in stock without expensive added options? If not, will the dealer order one for you?<br> <br> * Are the special offers available if you order a car instead of buying one off the lot?<br> <br> * Can you take advantage of all special offers simultaneously?<br> <br> Remember, you are not limited to financing offered by the dealer. You may wish to see what type of loan you can arrange with your bank or credit union.<br> <br> Once you decide which dealer offers the car and financing you want, read the invoice and the installment contract carefully. Check to see that all the terms of the contract reflect the agreement you made with the dealer. If they differ, get a written explanation before you sign. Careful shopping will help you decide what financing, car, and options are best for you.<br> <br> <br> <br> </p> <hr size=6 width=10%> <p align=center><br> </p> <div align=center><center> <table width=350 COLSPEC="L20" HEIGHT="700"> <tr><td><strong>FTC Headquarters</strong><br> 6th & Pennsylvania Avenue, N.W.<br> Washington, D.C. 20580<br> (202) 326-2222<br> TDD (202) 326-2502<br> <br> <strong>FTC Regional Offices</strong><br> 1718 Peachtree Street, N.W., Suite 1000<br> <strong>Atlanta</strong>, Georgia 30367<br> (404) 347-4836<br> <br> 10 Causeway Street, Suite 1184<br> <strong>Boston</strong>, Massachusetts 02222-1073<br> (617) 565-7240<br> <br> 55 East Monroe Street, Suite 1437<br> <strong>Chicago</strong>, Illinois 60603<br> (312) 353-4423<br> <br> 668 Euclid Avenue, Suite 520-A<br> <strong>Cleveland</strong>, Ohio 44114<br> (216) 522-4207<br> <br> 100 N. Central Expressway, Suite 500<br> <strong>Dallas</strong>, Texas 75201<br> (214) 767-5501<br> <br> 1405 Curtis Street, Suite 2900<br> <strong>Denver</strong>, Colorado 80202-2393<br> (303) 844-2271<br> <br> 11000 Wilshire Boulevard, Suite 13209<br> <strong>Los Angeles</strong>, California 90024<br> (310) 575-7575<br> <br> 150 William Street, Suite 1300<br> <strong>New York</strong>, New York 10038<br> (212) 264-1207<br> <br> 901 Market Street, Suite 570<br> <strong>San Francisco</strong>, California 94103<br> (415) 744-7920<br> <br> 2806 Federal Bldg., 915 Second Ave<br> <strong>Seattle</strong>, Washington 98174<br> (206) 220-6363<br> </td></tr> </table> </center></div> <p><CENTER><script type="text/javascript"> </script> <script type="text/javascript" src="http://pagead2.googlesyndication.com/pagead/show_ads.js"> </script></CENTER></p> <p> </p> <p><H2>Other Automobile Related and Car Loan-Related Websites</H2></p> <UL> <LI><A href="http://www.bankrate.com/brm/rate/auto_home.asp" TARGET="_blank">Comparison of Automobile Loan rates</A>. Find the best auto loan financing rates to buy or refinance a new or leased car. <LI><A href="http://www.lendingtree.com/smartborrower/Car-loan/How-to-save-money-on-auto-loans.aspx" TARGET="_blank">How to Save Money on Car Loans</A>. Article provides several useful tips on saving money on your next auto loan and how to avoid the pitfalls. <LI><A href="http://www.carbuyingtips.com/refinance.htm" TARGET="_blank">Auto Refinancing Tips and Scams</A>. Article examines such topics as: "What auto refinancing is and how auto refinancing saves you money. . . Why you should consider auto refinancing, even if you have a low APR now. . . How to run a credit check to get your credit score before refinancing an auto loan" . . . and more. <LI><A href="http://www.automotive.com/auto-loans/36/loan-tips/car-loan-tips.html" TARGET="_blank">Car Loan Tips</A>. Article points out that, "Financing a new car purchase requires some research if you want to get the best rates and lower your monthly payments." This article then examines what you'll need to know about the process. <LI><A href="http://biz.yahoo.com/b/r/a.html" TARGET="_blank">Auto Loan Rates</A>. Handy chart lists rates by metropolitan region and rates by State. <LI><A href="http://finance.yahoo.com/loans/autos" TARGET="_blank">How-to Articles, Car Loan Calculators</A>. Website contains how-to articles, automobile loan calculators, expert opinions, and more. <LI><A href="http://www.youtube.com/watch?v=7AHORRN5wC0" TARGET="_blank">Deter - Detect - Defend Against Identity Theft</A>. Victims of ID theft may be refused loans for cars, education or housing. Working with other governmental agencies and organizations, the Federal Trade Commission (FTC) produced this video booklet to help you remedy the effects of <a title="identity theft" href="http://www.lawpublish.com/identity-theft.html">identity theft</a>. It describes what steps you can take, your legal rights, and what to watch for in the future. <LI><A href="http://en.wikipedia.org/wiki/Auto_insurance" TARGET="_blank">Vehicle Insurance Examined</A>. Wikipedia defines "Vehicle insurance" (or auto insurance, car insurance or motor insurance) as "insurance purchased for cars, trucks, and other vehicles." Article goes on to examine such areas as coverage levels, public policy, basis of premium charges, auto insurance in the United States, coverage availability, collision, comprehensive, uninsured/underinsured coverage, loan/lease payoff, car towing insurance, and more.  </UL> <p><h2>Advertising Law-Related Articles</h2></p> <dl> <dt>"<a href="http://www.lawpublish.com/12-key-advertising-related-laws-you-should-know.html">12 Key Advertising-Related Laws You Should Know</a>"</dt> <dd>This article examines 12 key advertising-related laws that you should know about before you review your ads to make sure your ads don't run afoul of these laws.</dd> <dt>"<a href="http://www.lawpublish.com/10-things-to-do-so-your-ads-comply-with-advertising-laws.html">10 Things to Do So Your Ads Comply With Advertising Laws</a>"</dt> <dd>This article discusses 10 key areas you should look at when you're reviewing your advertising to determine whether it's in compliance with advertising law's many requirements.</dd> <dt>"<a href="http://www.lawpublish.com/10-tactics-to-use-so-your-ads-comply-with-advertising-laws.html">10 Tactics to Use So Your Ads Comply with Advertising Laws</a>"</dt> <dd>This article presents 10 tactics you could use to help your ads comply with the many laws, rules, regulations and guidelines that may affect your advertisements.</dd> <dt>"<a href="http://www.lawpublish.com/10-major-advertising-law-related-concepts.html">10 Major Advertising Law-Related Concepts</a>"</dt> <dd>This article is a useful review of 10 key areas you should look at when you're reviewing your advertising to determine whether it's in compliance with the numerous laws, rules, regulations and guidelines that may affect your ads.</dd> </dl> </article> <div id="sidebar" class="column last"> <aside> <H4>Editor's Note:</H4> <p>This page contains the full-text reproduction of the FTC Publication: "Car Ads: Low Interest Loans and Other Offers" It offers a great deal of helpful advice, such as: "Read the ad carefully when considering an advertised special... Call or visit the dealer to find out about all the terms and conditions of the offer... Ask if the financing requires a larger-than-usual downpayment... Find out it there are limits on the length of the loan. Are you required to repay the loan in a short period of time, such as 24 or 36 months?... Ask if the low rate applies to all cars, whether you order one or buy one off the lot. Also ask if the offer applies only to certain models..." and more.</p> <p>This website is where you can find advertising law information based on articles and news briefs that appeared in past issues of <b>Advertising Compliance Service</b> as well as the full-text of documents previously found on such federal agencies as the Federal Trade Commission .</p> </aside> <aside> <H4>Our Related Website</H4> <ul> <li><a href="http://www.advertisingcomplianceservice.com/">Advertising Compliance Service</a></li> </ul> </aside> <p><center><script type="text/javascript"> </script> <script type="text/javascript" src="http://pagead2.googlesyndication.com/pagead/show_ads.js"> </script></center></p> <FONT SIZE="-1" COLOR="Red" FACE="Verdana"> <a href="http://www.lawpublish.com/ftc-advertising-disclosures.html"><em>Advertising Disclosures</em></a> <br> <a href="http://www.lawpublish.com/ftc-auction.html"><em>Auctions</em></a> <br> <a href="http://www.lawpublish.com/ftc-carads.html"><em>Car 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