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During the first quarter — January through March — the average cost of new-car loans for borrowers with the best credit (what the industry calls "super prime" borrowers with credit scores of 781 and above) was 2.84%.If you're in the market for a new car or truck, you need the right information and a savvy negotiating strategy to drive away with the lowest price and cheapest loan.It doesn't help that skimmers are available for sale to anyone who wants to buy them, so they can show up anywhere.

The thieves use this information to clone your card, and once they have a clone, they can drain your bank account, or run up huge bills and trash your credit before you even know it.

By the time the recession ended in 2009, the average score had risen to 738.

But in the first quarter of 2017, it was down to 714.

The average new-car loan rose to ,534 during the first quarter of 2017, according to Experian, one of the three major credit-reporting agencies.

The average loan term has also grown to a whopping 69 months, committing borrowers to longer repayment plans.