What is the current rate of interest to finance a three-year old car for 72 months. Total cost of car is $22,000. Does pre-approval and automatic payment reduce the finance rate?

I am unable to give you a rate based on the provided information. Other major factors include credit score and employment history. The only way for me to give you an accurate rate would be for you to come to our website and complete the online application. Some lenders do give a discount for auto payment and pre-approval, but it is on a case by case basis.