Vehicle Financing Your vehicle financer will get a print of your credit report and advance your submission on the base of your complete credit report. Your dealer move toward to several banks for agreement of finance on the base of your credit reports. On the basis of the credit ratings got on your credit history, the financers or banks provides a purchase interest rate (rate) for you throughout the dealer and if you agree to this rate you are complete with your vehicle financing. There are some kinds of vehicle financing options offer to you containing variable rate financing and fixed rate financing. You can discuss as well about your APR (Annual Percentage Rate) with the dealer at any time during vehicle financing but before buy a vehicle.