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If your credit score is under 750 then you can forget about getting awarded the desired 0% APR in financing your car. Your credit score is the most important factor in determining your APR and what kind of loan you will get approved for to finance your car. If your score is low then you will have to pay high APRs (some up to 23%)! Low credit scores also make your car insurance rates higher. Make sure all disputed items on your credit report are taken care of before applying for any type of loan or they will turn you down. It will take 60 days to clean up your score.
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