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How to Determine the Amount a Bank Will Loan on a Car. – Although the term "LTV" (loan-to-value) is most often referenced to mortgages, the same principle applies to auto loans. Auto finance companies and lenders use an auto loan’s LTV ratio as a determining factor when deciding whether to approve or decline a car loan.

Refinance your auto loan to help lower your monthly payments. Use our refinance payment calculator to see how much auto refinancing could save you.

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