{"id":26131,"date":"2023-03-02T10:07:37","date_gmt":"2023-03-02T18:07:37","guid":{"rendered":"https:\/\/www.nerdwallet.com\/ca\/?page_id=26131"},"modified":"2024-04-30T18:26:56","modified_gmt":"2024-05-01T01:26:56","slug":"personal-line-of-credit-vs-car-loan","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/ca\/loans\/personal-line-of-credit-vs-car-loan","title":{"rendered":"Personal Line of Credit vs Car Loan: How to Choose"},"content":{"rendered":"\n

A personal line of credit gives you access to funds on an ongoing basis, up to a limit set by a lender. A car loan, on the other hand, is a lump-sum loan intended to be used to purchase a vehicle. <\/p>\n\n\n\n

Both a personal line of credit and a car loan can be used to purchase a vehicle, but which is better? Understanding the specific characteristics of each can help you choose the right financing option the next time you need a new set of wheels.<\/p>\n\n\n\n

Personal line of credit and car loan overview<\/strong><\/h2>\n\n\n\n

What is a personal line of credit<\/strong>?<\/h3>\n\n\n\n

A personal line of credit<\/a> is a type of revolving credit, most commonly available from a bank or credit union, that works similarly to a credit card<\/a>. You can borrow and then repay as much money as you want up to a specific limit and continue doing so indefinitely as long as your account is in good standing.<\/p>\n\n\n\n

How a personal line of credit works<\/strong><\/h4>\n\n\n\n

There are no restrictions on how funds from a line of credit can be spent. You can use a line of credit when you need it or let it sit unused. You will only pay interest on the funds you withdraw. Personal line of credit interest rates are usually variable and based on the lender\u2019s prime rate. <\/p>\n\n\n\n

Your credit score, income, and debt service ratios are the primary factors determining whether or not you\u2019ll be approved for a personal line of credit and what interest rate you\u2019ll be charged. <\/p>\n\n\n\n

What is a car loan<\/strong>?<\/h3>\n\n\n\n

A car loan<\/a> is specifically intended to help you buy a new or used vehicle. You borrow a lump sum to pay for the car and must repay the money according to a payment schedule over a predetermined number of years. <\/p>\n\n\n\n

How a car loan works<\/strong><\/h4>\n\n\n\n

Generally, you can get a car loan from a bank, online alternative lender or car dealership.<\/p>\n\n\n\n

You\u2019ll be required to pay interest on the loan, and your rate will depend on factors including your credit score<\/a>, the vehicle\u2019s value and the loan\u2019s term length. Interest can be either variable or fixed, depending on your lender. <\/p>\n\n\n\n

With a car loan, you can also choose to offer a down payment to help cover the cost of your car. The amount you put down can also influence the interest rate your lender offers you. It\u2019s crucial to stay on top of your payments, otherwise your lender has the right to repossess your car.<\/p>\n\n\n\n

Your approval for a car loan and the interest rate you\u2019ll be charged are primarily based on your credit score, income and debt service ratios.

Note:<\/strong> If you already own a vehicle and are looking for a way to borrow against its value, that\u2019s known as a car title loan<\/a>.<\/p>\n\n\n

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<\/th>Personal line of credit<\/th>Car loan<\/th>\n<\/tr>\n<\/thead>\n
Common uses<\/strong><\/td>Home renovations, large purchases, unexpected expenses, debt consolidation, education expenses.<\/td>To purchase a vehicle.<\/td>\n<\/tr>\n
Where to get one<\/strong><\/td>Banks, credit unions, online lenders.<\/td>Banks, credit unions, online lenders, car dealerships.<\/td>\n<\/tr>\n
Loan limits<\/strong><\/td>Typically ranges from $5,000 to $50,000, but depends on the lender.<\/td>Can vary depending on the lender and age of the vehicle, but many max out at $75,000.<\/td>\n<\/tr>\n
Interest rates<\/strong><\/td>Usually variable. Typically a few percentage points higher than a bank\u2019s prime rate, though introductory rates equal to prime may sometimes be available. Alternative lender rates can be much higher, possibly in excess of 40%.<\/td>Fixed or variable. Rates vary depending on the lender. Some dealerships may offer promotional rates as low as 0% for those with excellent credit.<\/td>\n<\/tr>\n
Typical qualification requirements<\/strong><\/td>Acceptable credit score and history, proof of sufficient income, reasonable debt service ratios.<\/td>Must be driving age with a valid Canadian license, good credit score, minimum acceptable income.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n

Personal line of credit vs car loan: Which is right for you?<\/strong><\/h3>\n\n\n\n

When deciding between a car loan and a personal line of credit to fund your car purchase, consider these factors:<\/p>\n\n\n\n

Can you provide a down payment?<\/strong> Car loans allow for down payments. The larger your down payment, the less money you\u2019ll have to borrow and the less interest you\u2019ll pay. Paying less interest can save you a significant amount of money over a loan’s lifetime and help you pay off the debt sooner.<\/p>\n\n\n\n

Interest rates. <\/strong>In general, unless you can take advantage of an introductory offer, lines of credit have higher interest rates<\/a> than car loans. Furthermore, lines of credit are usually variable rates. Car loans typically feature fixed rates, which can provide a sense of security because your rate will not change based on a lender\u2019s prime rate.<\/p>\n\n\n\n

Are you disciplined with your finances?<\/strong> If you typically overspend with your credit cards<\/a> and tend to carry a balance, a line of credit may not be a good pick. Once you open a line of credit, unless you\u2019re very disciplined, it can be tempting to spend more than you need and max out your limit. In that case, a lump-sum amount that will cover your car purchase may be the better choice.<\/p>\n\n\n\n

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\n\t\t\tAbout the Authors\t\t<\/h4>\n\n\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\tClay Jarvis<\/strong>\n\t\t\t\t\t<\/a>\n\n\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\t

Clay Jarvis is NerdWallet\u2019s mortgage and real estate expert in Canada. Thus far, his entire professional writing career has revolved around real estate. Prior to joining NerdWallet, he was the…<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tRead more about Clay Jarvis and explore their articles<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\tSandra MacGregor<\/strong>\n\t\t\t\t\t<\/a>\n\n\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\t

Sandra MacGregor is a freelance writer who has been covering personal finance, investing and credit cards for over a decade. Her work has appeared in a variety of publications like…<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tRead more about Sandra MacGregor and explore their articles<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\n\n\n\t

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\n\t\t\t\tDIVE EVEN DEEPER\t\t\t<\/h4>\n\t\t\n\t\t
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\n\t\t\t\n\t\t\"Personal\t<\/a>\n\t\t\t
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\n\t\n\t\tPersonal Line of Credit vs Home Equity Loan: How to Choose\t<\/a>\n<\/h4>\n\n\t
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A personal line of credit is a type of revolving credit that works similarly to a credit card, and a home equity loan is a lump-sum loan for homeowners.<\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
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\n\t\t\t\t\"\"Sandra MacGregor<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"13\t<\/a>\n\t\t\t
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\n\t\n\t\t13 Fuel-Efficient Tips to Help You Save On Gas\t<\/a>\n<\/h4>\n\n\t
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A combination of healthy driving habits, rewards programs, gas-friendly credit cards and apps will help you save at the pump. <\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
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\n\t\t\t\t\"\"Nora Dunn<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"Personal\t<\/a>\n\t\t\t
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\n\t\n\t\tPersonal Loan vs. Line of Credit: How to Choose\t<\/a>\n<\/h4>\n\n\t
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The difference between a line of credit and a loan is that a loan is borrowed as a lump sum, while a line of credit can be used and repaid on an ongoing basis.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Sandra MacGregor<\/a>\"\"Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"How\t<\/a>\n\t\t\t
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\n\t\n\t\tHow to Get a Loan From the Bank\t<\/a>\n<\/h4>\n\n\t
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To borrow money from the bank, you\u2019ll have to satisfy the qualification requirements of the loan you want, such as age, debt-to-income ratio and credit score.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Hannah Logan<\/a>\"\"Siddhi Bagwe<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"

Both a personal line of credit and a car loan can be used to purchase a vehicle, but interest rates, credit limits and total cost may vary.<\/p>\n","protected":false},"author":12,"featured_media":26138,"parent":15647,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/article-sidebar.php","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":false,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":"[]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":""},"content-classification":[337],"topic":[338],"cluster":[339],"pp_author":[24,87],"acf":[],"apple_news_notices":[],"yoast_head":"\nPersonal Line of Credit vs Car Loan: How to Choose - 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