Datos clave
| Indicador | Valor | Año |
|---|---|---|
| apr disclosure required[1] | Lenders financing a vehicle purchase must disclose the finance charge expressed as an annual percentage rate under the Truth in Lending Act. | 2026 |
| auto loan default repossession note[2] | A lender might have the right to repossess a financed car after default without going to court or telling the borrower first, but it cannot breach the peace when it takes the car. | 2026 |
| auto loan shopping note[3] | The CFPB publishes a consumer tools hub on getting an auto loan, including how to compare financing options before signing. | 2025 |
| card billing dispute window days[4] | 60 | 2026 |
Fuentes
- Cornell Law School Legal Information Institute. 15 U.S. Code 1638 - Transaction disclosures.
- Federal Trade Commission. Vehicle Repossession.
- Consumer Financial Protection Bureau. Auto loans.
- Cornell Law School Legal Information Institute. 15 U.S. Code 1666 - Correction of billing errors.
Ejemplo representativo
- Monto del préstamo
- $1,000
- Tasa de porcentaje anual (APR)
- 29.99%
- Forma de pago
- 12 pagos mensuales
- Pago
- $97.48
- Cargo financiero
- $169.76
- Total de los pagos
- $1,169.76
Ejemplo: un préstamo a plazos de $1,000 con una APR de 29.99%, pagado en 12 pagos mensuales de $97.48, cuesta $1,169.76 en total, incluido un cargo financiero de $169.76. Solo es una ilustración; su prestamista le informará la APR, el calendario de pagos y el costo total reales antes de que usted acepte un préstamo.