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Information on
caculate auto loans
Auto Loans : Top 5 Tips For The Best Rate
You've got your eye on that shiny new Lexus - okay, maybe it's a Kia, but it's perfect and you want it to be yours, all yours - as soon as possible. At the same time, you certainly don't want to be saddled with paying nearly double the car's value by the time you finish paying off the car loan. Here are five tips to help you get the best possible interest rate on an auto loan to put the car of your dreams in your driveway.
1. Check your credit rating.
If you don't already know what's in your credit report, this is a good time to find out. Before you apply for an auto loan, get a copy of your credit report to find out what surprises may be lurking in it. You may just find out that it contains erroneous information that should be corrected, or that there's something negative on it that can be either explained away or fixed easily with a couple of phone calls or letters. Either way, it always helps to know what the credit reporting agencies are saying about you before you start shopping around for a loan.
2. If you have good to excellent credit...
...then you may qualify for special incentive financing available through the car dealer. If the car dealer is offering a low, low finance rate, check all the terms and conditions carefully BEFOREHAND online to make sure that you qualify. Most often, that 1% financing rate is reserved for those who have excellent credit and can afford to do a 12 month financing plan. If that's you - then grab the deal. 1-2% financing is a bargain if you can handle the other terms and conditions attached.
3. If you need a longer term than 12 months or have spotty credit...
...arrange your financing yourself before setting foot on the car lot. Check with your usual bank for a new auto loan first, as they may have better interest rates for those who are already established customers, or who carry all their savings, checkings and loan accounts through one bank. It may save you a few percentage points in interest to do business with someone who already knows you.
4. Shop online for the best auto loan available.
At many online credit web sites, you can submit a request for multiple quotes from area finance agencies and lending firms. Simply submit your request for an auto loan quote through an online form, and the web site will submit it to up to four financing firms at once. A representative from each agency will contact you within a few hours to a day or two to discuss your request with you and give you a quote for an interest rate and monthly payment amount that they can offer you. Online shopping for credit makes it easy to compare and pick the best auto loan terms for you.
5. If your credit is bad but you need that car...
...one of your best and most often overlooked options is to find someone to cosign the loan for you. In most cases, when you have a cosigner, you'll get the interest rate that THEY qualify for, which means a lower monthly payment for you.
About the Author
Joseph Kenny is the webmaster of the loan information sites http://www.selectloans.co.uk/ and also http://www.ukpersonalloanstore.co.uk.
More Useful Resource and Updates on caculate auto loans
- Gun wielding robbery suspect hunted by WF Police (KAUZ Wichita Falls)
Wichita Falls police also need your help looking for an armed robber. Just after 6 Friday night a man walked into Car Title and Payday Loan on Southwest Parkway.
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Rennes' 35-year-old striker Mickal Pagis won the plaudits, but it's Toulouse who are keeping the pressure on Lyon at the top
- THE IRISH EMIGRANT (Irish Emigrant)
The Irish Emigrant
- Two suits are filed against Alford (The Marshall News Messenger)
Two civil lawsuits involving 34 individuals have been filed in 71st District Court against a Marshall car dealer, two of his sales staff and a number of finance companies.
- Briefly in Tompkins (The Ithaca Journal)
The 400 block of Elm Street (east bound lane) will be closed between 7:30 a.m. today until approximately Wednesday, Oct. 8, for sanitary sewer flow monitoring station access modifications.
- Ramos faces Titanic battle (BBC News)
BBC Sport's Phil McNulty on the crisis at White Hart Lane
- Most car loans not transferable (Bankrate.com via Yahoo! Finance)
A woman probably cannot assume a car loan from her relative, says Bankrate car columnist Terry Jackson.
- WFPD needs your help to solve three crimes (KSWO Lawton-Wichita Falls)
Wichita Falls Police are looking for your help in identifying an armed robber who fired a handgun in a business on the south side of the city yesterday. The man fled the scene with the day's deposits at Car Title & Pay Day Loan. At 6:25p.m., Friday, October 3, 2008, Police received a call of an Aggravated Robber in progress at 2708 Southwest Parkway.
- Pa. auto dealer faces tough times as economy sours (The Daily American)
ALLENTOWN, Pa. ? One by one, Pennsylvania auto dealer Bill Rosado ticks off the mistakes he made this year. Employed too many people. Stocked too much inventory. Spent too freely on advertising.
- Credit-worthy borrowers OK (New Haven Register)
Good job, good credit, no problem! Despite weeks of incessantly negative news about the nation?s economy, stock prices jerking violently up and down and lenders seeming to have gone into hiding, consumers who want to buy a car or a house should be able to get a loan, as long as they have a job and a good credit score, say those whose livelihood depends on a vibrant credit market.
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