I was at my sister’s house yesterday and mentioned that I needed to contact a few banks to get their rates on car loans.  I had my eye on a great Toyota at the local car dealership and thought that I should have the financing lined up before I went to talk to a salesman.  My sister told me to check out the loans online.  She said that I would be wasting a lot of time by calling each bank individually.  Most of the information is available 24/7 on the Internet.  I simply need to log on and look up each bank to get their current rates.