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How To Apply Car Loan

Car loans have it possible for anyone to buy a new car using borrowed money. Getting financing for a new car isn’t hard and you only need two things – sufficient income and a good credit rating. Below are some steps that you can take in order to obtain a car loan.

car loan

Car loans have it possible for anyone to buy a new car using borrowed money. Getting financing for a new car isn’t hard and you only need two things – sufficient income and a good credit rating. Below are some steps that you can take in order to obtain a car loan.

Step 1

Before getting a car loan, you need to choose your new set of wheels. Doing a bit of research would certainly help. You can check car websites for online ads and find the set of wheels that you like. Once you do, you can start negotiating with the seller for the purchase price.

Step 2

Again, do some research on interest rates this time. Several websites, like Bankrate.com, publish surveys and polls of loan rates across the United States. Car loan rates differ and some are definitely lower than most. You can get the best deal out of your car loan by comparing rates with those offered by your local bank, credit union or car dealer.

Step 3

Car loan involves money and if there’s anything that you want to be, that’s being ripped off. So a little extra knowledge won’t hurt. Find out your car’s worth as a trade-in according to current market trends. You do these by researching your values in your bank or on the Internet.

Step 4

As early as now, you can start trying to determine how much down payment you can make on your car loan. Using your trade-in value and cash, or simply just cash, you can come up with the standard 20 percent that is usually required.

Step 5

One you have all information handy, apply for a car loan where you find the best rates. The length of the loan, monthly payment, and your budget are also huge factors in making your decision.

Step 6

If you’ve chosen and you find that you don’t qualify, don’t panic. Your options are endless. You could choose a less expensive car that’s right within your budget. And remember, you can always save more for a down payment.

Step 7

If you’re credit rating is giving you a hard time looking for low car loan rates, then consider building a better credit rating. You can try again after six months of paying your bills on time. If not, then you could always go for a bad credit car loan. Usually, insurance companies that offer bad credit loans don’t require their customers to submit their credit history. So even with a bad credit, you can still apply for a car loan.

 

Car Loans After Bankruptcy - How To Negotiate The Best Deal

A car loan after a bankruptcy is one of the easiest types of secure loans to get. Negotiate the best deal by taking control of your financial situation. With so many lending options available, you can choose your lender. Start by tidying up your credit report. Then, look for car financing before you start shopping. Not only will you get a good rate, but you can negotiate an even better price for your new car.

Be Proactive In Securing Financing

Don’t fall for dealership ...

car loan, bankruptcy

A car loan after a bankruptcy is one of the easiest types of secure loans to get. Negotiate the best deal by taking control of your financial situation. With so many lending options available, you can choose your lender. Start by tidying up your credit report. Then, look for car financing before you start shopping. Not only will you get a good rate, but you can negotiate an even better price for your new car.

Be Proactive In Securing Financing

Don’t fall for dealership financing targeted for those with poor credit. Often times you will get stuck with a high rate loan and a high costing car. Instead, be proactive about securing your financing before you shop for a car.

This way, you have the most options on where you want to purchase a car. And you can get a better price because you have “cash.” They will never know you have a bankruptcy in your past.

Straighten Up Your Credit Report

Make sure your bankruptcy has been completely settled before getting a car loan. You can get a free copy of your report online to check that all qualifying accounts have been closed. Also verify that your payment history is correct.

While you are looking at your credit report, you may also want to look at your FICO score. With a recent bankruptcy, you can expect your score to be in the low 500’s. After two years though, you can have a score over 650, qualifying for market rates.

Increase Qualification Factors

Even with a bankruptcy, you can lower rates with several factors. A down payment of 20% or more is a good start, so is having little debt and cash reserves in the bank.

You can further reduce your rates by being selective with your terms. Adjustable rates are usually lower than fixed rates loan. A three year loan will also have lower rates than a five year loan.

Search For The Right Lender

Searching for the right lender will also help you save on loan costs. Compare rates and fees based on loan quotes. Car loan broker sites can help you analyze multiple offers side by side.

 

Car Loans For People With Bad Credit – How To Qualify For A Bad Credit Auto Loan

With most lenders, having bad credit or a past bankruptcy is not a problem. Thus, you can obtain an automobile loan with a low credit score. There are certain advantages to having good credit. These individuals generally pay a few percentage points less, which equals a lesser monthly payment. However, qualifying for a car with bad credit is easy. Here are a few tips to help you get approved.

Requirements for Getting an Auto Loan with Bad Credit

To get approved for a bad...

auto loan, car loan, bad credit

With most lenders, having bad credit or a past bankruptcy is not a problem. Thus, you can obtain an automobile loan with a low credit score. There are certain advantages to having good credit. These individuals generally pay a few percentage points less, which equals a lesser monthly payment. However, qualifying for a car with bad credit is easy. Here are a few tips to help you get approved.

Requirements for Getting an Auto Loan with Bad Credit

To get approved for a bad credit auto loan, applicants must meet certain requirements. For starters, car loans are not offered to minors. Therefore, applicants under the age of 18 must have a parent or other adult co-sign for the loan. Moreover, applicants must be employed and have a driver’s license.

Auto loans are the easiest types of loans to obtain because they are secured. With this said, auto loans are perfect for those hoping to build a solid credit history, and individuals hoping to raise their credit score.

Skip Dealership Financing

Securing financing through the car dealership seems simple and convenient. Nonetheless, keep in mind that dealerships will make a small profit off of your financing package. To do so, they must increase the interest rate a few points.

If the lender approved you for a 10 percent interest rate, the dealership may charge 11 or 12 percent. To avoid paying the extra fees, look for private financing. Private financing could come from a bank, credit union, etc. If possible, get pre-approved before visiting dealerships.

Check Credit Report for Errors

Having bad credit does not always mean getting hit with the highest interest rate. Prior to applying for an auto loan, attempt to make some credit improvements and correct errors. For a few months leading up to financing a new or used car, pay all bills on time. This could make the difference in getting a loan with 12 percent interest and 9 percent interest.

Explore Different Types of Lenders

Common lenders used for an auto loan include banks and credit unions. However, there are lenders that offer bad credit auto loans at reasonable rates. Sub prime lenders are becoming increasingly popular. They offer online applications and quick pre-approvals. Moreover, various lenders will provide a no-obligation auto loan quote. This way, you can review their offer before making a decision.




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