Case Study
First-Time Buyer Saves $3,200
A 2024 Honda Civic buyer with a 720 credit score discovered their dealer was charging 2.3% above market rate. Armed with Baywall data, they negotiated a $3,200 lifetime savings.
News & Media
Official sources and educational materials to help you understand auto loan rates and make informed decisions.
Case Studies
Case Study
Used Car Rate Cut in Half
After seeing comparable transactions on Baywall, a used Toyota Camry buyer negotiated their APR from 9.8% down to 5.4%, saving over $4,100 across the loan term.
Case Study
Credit Union vs Dealer: $2,800 Difference
Baywall’s report showed a credit union offering 4.9% vs the dealer’s 7.1%. The buyer refinanced before signing, pocketing $2,800 in savings.
Case Study
SUV Buyer Walks In With Data
A Ford Explorer buyer used Baywall’s market comparison to prove the dealer markup. The dealer matched the competitive rate on the spot.
Case Study
Post-Purchase Refinance Saves $1,900
Already locked into a high rate, this buyer used Baywall to find a better deal and refinanced within 30 days, saving $1,900.
Resources & Research
ReportCFPB.gov
Consumer Financial Protection Bureau: Auto Lending
Official CFPB guidance on auto financing and dealer markups
ResearchLendingTree
How Many Car Buyers Compare Loan Rates?
LendingTree survey (Qualtrics, Nov. 2020): among financed buyers in 2020, 42% did not shop around to compare auto loan rates before purchasing.
DataFederal Reserve
Federal Reserve Auto Loan Rate Data
Quarterly auto loan rate statistics from the Federal Reserve
GuideNCUA.gov
NCUA Credit Union Rate Finder
Compare rates from federally insured credit unions
ArticleEdmunds
How to Negotiate Your Car Loan Interest Rate
Expert tips from Edmunds on getting the best rate
ToolBankrate
Bankrate Auto Loan Calculator
Calculate payments and compare rates across lenders
VideoYouTube / Automotive News
Understanding Dealer Reserve
How dealers profit from your financing
Note: The resources above are from government agencies, financial institutions, and established industry publications. We recommend verifying current rates directly with lenders before making any financial decisions.