Auto financing

[boomshine]

I did my research. Just correct me if im wrong. Mas mababa tlga sa bank compared sa in-house. But na decline ako sa bank because of my bad record 10 long yrs back... So no choice but to go with the inhouse...Do you think its a logical choice?

Halos twice ng interest ng bank ang sa inhouse so for me hindi sya wise move, ang kinaganda lang yata sa inhouse is mababa ang down payment sa bank kasi minimum is 20%