You don't need the IQ of a nuclear physicist to find the cheapest car loans but they're not exactly handed out free as you're walking through the local shopping precinct either.
Let's be clear - most people who can show regular income and a relatively stable credit history should be able to find a loan providing the amount they're looking for bears some relationship to their income.
The trouble is that everyone lending money be they a bank, building society, finance company or car dealership, needs to make a profit on the money they lend you (OK, maybe your rich old granny is an exception!) If they don't make profit on the loan, usually through interest charges, they'll quickly go bust and won't be a position to lend money to anyone.
Where things differ from one to another though is in how much interest is charged and this is a big factor in trying to decide where are the cheapest car loans.
Everyone has heard stories of loan sharks and exorbitant interest payments on loans, but for the most part they are an exception.
Most reputable and professional lenders will work out what interest rate they need to charge based on a number of factors.
These may include things such as:

• How much they're lending and over what period of time
• The purpose of the loan
• How well they understand the market the loan is being used in (e.
  g.
  cars)
• The risks posed by the applicant's employment and credit history (i.
  e.
  what are the chances you'll default and not pay)
• How much deposit you've come up with
• Etc.
  

What that means is that the deals available can vary depending upon a number of factors.
Knowing which lenders are going to offer the best deal taking into account the above circumstances requires expertise and experience.
You may need to know the lenders' products and match those against the personal situation of a given loan applicant.
Now you may well have a winning smile, great clothes and a fabulous personality, but none of that will count for anything in terms of getting the best loan deals around.
To consider an example - you've obtained a car loan from a finance company.
What you may not know is that perhaps in fact 75% of their business is usually offering loans for home improvements.
Perhaps cars by definition make them nervous and as a result they've put higher interest charges on your loan than you could have obtained by going to specialist car loans provider.
So, if you are not an expert in the car finance marketplace and are less than confident in your psychic abilities, it may pay to admit that you're going to need help to find the cheapest car loans.
There are specialist car finance websites around that can offer invaluable advice and guidance and could help you find the deal you're looking for and that you know is one of the best around.
Looking them up could be a sensible use of your time.