美国买车必看 你所在的城市适合贷款买车吗？

很多同学，特别是身处偏远戈壁滩玉米地的留美党在安顿下一阵子后大多都有买车的打算。教练知道，大多数留美的中国学生并不缺买车的钱，一笔交得起，那还放这个贷款利率干什么？

其实这就牵扯到一个理财问题啦！在美国，很多卖车的dealer都有活动，买车贷款可以给车款打折，假设一家dealer承诺贷款可以降价3％。这样如果你的利率可以拿到3％以内，那你就可以省一些钱啦！更不要说这笔买车钱放在你手里的这段时间，你可以做多少事情了。但是低的APR（利率）只有信用记录好的人才拿得到。所以刚来的学生如果要贷款，需要找信用记录好的老生和自己一起去，替你担保才可以。也建议大家尽量早点办理信用卡，按时还款，早点建立良好的信用记录，这会让你今后在美国不管做什么都方便很多！至于信用卡攻略吗，教练抽空也会写一篇，造福大家，敬请期待！

好啦，不多说，大家可以看看下图美国各州普遍的APR,颜色越红，APR越高，越绿越低。下面还有100个城市的apr排名，给大家提前一个参考。

Rank: City, Average New Car Loan Rate (APR)
1: St. Louis, 2.95
2: Detroit, 3.20
3: Pittsburgh, 3.20
4: Los Angeles, 3.25
5: Philadelphia, 3.26
6: Baltimore: 3.28
7: Louisville, 3.34
8: Seattle, 3.36
9: New York, 3.39
10: Cincinnati, 3.40
11: Portland, 3.43
12: Norfolk, 3.43
13: Lexington, 3.49
14: Jersey City, 3.49
15: Newark, 3.49
16: Indianapolis, 3.51
17: Chicago, 3.54
18: Las Vegas, 3.56
19: Hialeah, 3.58
20: Saint Paul, 3.59
21: Boston, 3.61
22: San Bernardino, 3.64
23: Minneapolis, 3.65
24: Atlanta, 3.66
25: Sacramento, 3.67
26: Kansas City, 3.67
27: Chesapeake, 3.67
28: Nashville, 3.68
29: Washington, 3.69
30: Virginia Beach, 3.70
31: Boise, 3.70
32: Chula Vista, 3.73
33: San Diego, 3.74
34: Garland, 3.75
35: Orlando, 3.75
36: Cleveland, 3.75
37: Long Beach, 3.75
38: Milwaukee, 3.76
39: Irving, 3.77
40: Fresno, 3.78
41: Columbus, 3.78
42: Tampa, 3.78
43: Las Vegas, 3.78
44: Memphis, 3.79
45: Santa Ana, 3.79
46: Los Angeles, 3.80
47: Glendale, 3.80
48: Jacksonville, 3.82
49: Bakersfield, 3.83
50: Anaheim, 3.84
51: Fort Wayne, 3.84
52: Miami, 3.86
53: San Francisco, 3.86
54: Reno, 3.86
55: Henderson, 3.89
56: Arlington, 3.90
57: Oklahoma City, 3.91
58: St. Petersburg, 3.92
59: Anchorage, 3.93
60: Charlotte, 3.93
61: Houston, 3.94
62: Birmingham, 3.95
63: Colorado Springs, 3.95
64: San Jose, 3.96
65: Denver, 3.97
66: Dallas, 3.97
67: Lincoln, 3.98
68: Phoenix, 4.00
69: Durham, 4.01
70: Greensboro, 4.01
71: Scottsdale, 4.02
72: Mesa, 4.02
73: Oakland, 4.03
74: Austin, 4.04
75: Toledo, 4.05
76: Plano, 4.05
77: Baton Rouge, 4.05
78: Madison, 4.05
79: Tulsa, 4.06
80: Raleigh, 4.06
81: Irvine, 4.07
82: Aurora, 4.08
83: El Paso, 4.08
84: Omaha, 4.08
85: North Las Vegas, 4.09
86: San Antonio, 4.12
87: Chandler, 4.14
88: Lubbock, 4.17
89: Gilbert, 4.17
90: Tucson, 4.19
91: Wichita, 4.21
92: Fort Worth, 4.24
93: Corpus Christi, 4.30
94: Albuquerque, 4.34
95: Riverside, 4.40
96: Stockton, 4.69
97: Fremont, 4.76
98: New Orleans, 4.85
99: Buffalo, 4.88
100: Laredo, 5.25


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