A new car loan with a 13% interest rate.?

chapmanburris15sbx
Jul 4, 2020
16 min read

I'm looking to buy a car soon and my credit score is about 617. I spoke to Capital One and they told me 13% APR. I don't know if its just me or does this not seem like a total screwjob. The loan term was 66 months and I make somewhere in the 50K - 70K range FYI. The question is, does anyone think I can get a much better rate with my credit or is this as good as it will get for me even if am a first time buyer?

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