After figuring out whether it's possible to get approved for a car loan, a person might look into what are the standard interest rates and whether they are able to qualify for the lowest rate available. It is very often the case that a person might not have the credit rating required to be approved for the lowest rate and this means that shopping around is important. Different creditors might look at different credit reports and this means that since each credit reporting bureau offers different scores, the interest rate might change depending on which finance company is contacted for a rate.