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Some people are shocked when they are offered a 12, 15, 18 percent interest rate for a car loan. Don't be. It's why research is important.

We believe what looks like a big scary number is pretty manageable when looked at on a day-to-day basis. Instead of arguing about whether a bank is covering its risk or you're being ripped off by the man, focus on what that small amount of money does.

It gets you in a better car and gets you on your way to not paying bad credit rates ever again. And here's the math:

Three-year, $7,000 loan:
 9 percent monthly payment: $222.60 (x36 = $8,013,60)
18 percent monthly payment: $253.07 (x36 = $9119.52)
Difference($1,096.92) divided by days (3 X 365 = 1095)
> Equals $1.00 per day. ($1.001753424658 to be exact).

Three-year, $10,000 loan:
 9 percent monthly payment: $317.99 (x36 = $11,447.64)
18 percent monthly payment: $361.52 (x36 = $13,014,72)
Difference ($1,567.08) divided by days (3 X 365 = 1095)
> Equals $1.43 per day.

(Wanna take a peek at some cars in that price range?)

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