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Car stores that offering financing on-site are directed to specific kinds of car shoppers. Those shoppers are typically people with a low credit rating, others simply may not have enough time to search for a used vehicle. If you or someone you know is considering buying a car with one of these “your job is your credit car loans” , please take a moment and consider that you will be paying far more then you should for that vehicle.

Due to a lack of real financial regulation or a government watchdog bureau, these dealers have the ability to hike their APR rates very high — as high as they want, really.  So when you think about financing, make sure to consider holding off while you take the time to save up enough cash to buy the vehicle you want without a car loan.