Used Cars: what kind of apr can I expect?, ballpark idea, credit score

Question
My credit score is around 650 and i'm looking to buy something used that's 2-4 years old for around $12,000.  Any way I can get a ballpark idea of what kind of apr to expect---I don't want to start applying for anything and lose points on my credit.  Thanks!

Answer
Thanks for the question. Rates are pretty good right now, I would think you will get a rate between 8.25 and 9.25% You are right at the cut off for alot of banks. Many banks adjust thier rates every 50 points. So you are smart to be very carful with your credit right now.
An example rate sheet reads something like this:

CREDIT SCORE    Rate
800-850=        7.99%
750-799=        8.24%
700-749=        8.49%
650-699=        8.99%
600-649=        9.99%

I hope this is understandable. Let me know if you have any other questions. Take care, Shane