[TW]Fox;14605481 said:Flat?
Not necessarily, if it's a new car a lot of dealers are subsiding standard rates to offer customer low APR rates.
Ie : MB Anything from 1.5% APR only available on new cars tho because it's a manufacturer offer.
If it's a used car that the dealership owns then we don't get subsidised finance from the manafacturer so typical APRs are in the region of 10% ish.