Your APR will be affected by many things, but it doesn't matter what sort of finance you are applying for, as what affects your APR will be the same for all types of finance, not just a car loan. It is your credit score and credit history that will affect your APR on a car loan, and have the most impact. If you have a good credit history and credit score, then you are likely to get the representative APR and lower, but if you have a bad credit score and credit history then you are more likely to be offered a higher APR. This doesn't mean that you can't get finance, it just means that your APR might be higher and you could end up paying more for borrowing the money.