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Tuesday
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Gamenufactory 1236
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Saturday
Buy a Car With Bad Credit With No Money Down
| By Jason Lanier You've got bad credit and dealer after dealer is wanting money down. To buy a car with bad credit, with no money down, you need to know a few things. First, there are only two reasons that a dealer would want a down payment... The most common reason is because it adds profit to the sale. The other less common reason is because it's needed to lower the total amount financed for approval by the lender. Trying to figure out which is the real motivation to pressuring you for cash is a little difficult so long as, you are depending on the dealer to get you approved. Most people think that if they have bad credit, they have to use the financing offered through the car dealership. After all, the local bank won't give you a loan right? This is a common mistake that can cost you thousands of dollars in outrageous finance charges. Let me fill you in on a little BIG secret... Car dealerships mark up the price of the car. Everyone knows that. Did you know that they ALSO mark up the interest rate? Yes, they do. They submit your credit application to lenders. The lender responds with an offer. Let's say that they approve you for a rate of 9%. Guess what? The dealer, knowing that you know you have bad credit will try to convince you that you are approved at 12%. The 3% difference becomes nothing more than profit that the finance manager gets paid a commission on. Guess you pays for it... you. Your payments go up 10, 20, 30, 50 or even $100.00 per month simply because the dealership marked up the interest rate. The truth is this. You can buy a car with bad credit with no down payment and also with lower interest rates by simply avoiding the dealer finance department altogether. If you know where to look and prearrange your financing (yes it's done everyday), then you can have the confidence to walk into a dealership, pick out the car of your choice based on the amount the finance company preapproves you for and had the dealer a check. This puts the power of negotiating price in your favor. Car dealers will be jumping over backwards for your business. Find Legitimate Lending Sources Here: Buying Cars with Bad Credit. (http://www.BuyingCarswithBadCredit.com) Jason Lanier, Expert Author. Article Source: http://ezinearticles.com/?expert=Jason_Lanier http://EzineArticles.com/?Buy-a-Car-With-Bad-Credit-With-No-Money-Down&id=2515580 |
Sunday
Getting an Auto Loan after a Bankruptcy Discharge
If you've recently filed for bankruptcy or had a bankruptcy either dismissed or discharged, you should feel a bit better about your financial condition.
It may not be that your credit is improved, but the monthly load of credit card bills and other unsecured debts is now something in your past.
Breathe a sigh of relief, in that respect.
The challenging aspect of your new credit situation is getting approved for auto loans after bankruptcy. It's very, very difficult if you go to a car dealership or try to use a common local bank for a loan. Those are the toughest places to go to for a loan in your credit predicament.
There are however, good sources online that you can use to find a car loan, considering your credit. Regardless of past bankruptcies, you can get help online at either http://mycredittree.net or http://fundmyvehicle.net. These two sites will help you to get back on your feet, in regards to car credit.
You don't have to pay high interest rates if you use these sources. Not in comparison to traditional car loans, anyway.
Some people with past bankruptcies can expect to pay as low as, 7% or as high as 18%, commonly.
Having a valid reason for filing is important. Lenders will commonly ask what your reason was for filing and it's a very good idea to send an emailed statement or fax a statement in with a brief description of the cause and an explanation of how that cause will no longer be a hinderence to you in the future.
You've got less bills now, your monthly money in/money out situation should be greatly improved after bankruptcy, so you can look forward to being able to make your payments on time.
I hope that the resources on this page will help you find the auto loan that you need.
It may not be that your credit is improved, but the monthly load of credit card bills and other unsecured debts is now something in your past.
Breathe a sigh of relief, in that respect.
The challenging aspect of your new credit situation is getting approved for auto loans after bankruptcy. It's very, very difficult if you go to a car dealership or try to use a common local bank for a loan. Those are the toughest places to go to for a loan in your credit predicament.
There are however, good sources online that you can use to find a car loan, considering your credit. Regardless of past bankruptcies, you can get help online at either http://mycredittree.net or http://fundmyvehicle.net. These two sites will help you to get back on your feet, in regards to car credit.
You don't have to pay high interest rates if you use these sources. Not in comparison to traditional car loans, anyway.
Some people with past bankruptcies can expect to pay as low as, 7% or as high as 18%, commonly.
Having a valid reason for filing is important. Lenders will commonly ask what your reason was for filing and it's a very good idea to send an emailed statement or fax a statement in with a brief description of the cause and an explanation of how that cause will no longer be a hinderence to you in the future.
You've got less bills now, your monthly money in/money out situation should be greatly improved after bankruptcy, so you can look forward to being able to make your payments on time.
I hope that the resources on this page will help you find the auto loan that you need.
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