<prompt> Human: What is a realistic interest rate to expect on a no credit check vehicle purchase? I know several factors go into it, but at what point are you getting ripped off well more than should be expected? A dealer I talked quoted a 25 interest rate with a 40 down payment. Is that standard or predatory, or both?  <response>: That is about right. It is standard for one of those dealers and it is predatory. 