Car on finance: October 2009

Saturday, October 31, 2009

What does it mean when a car dealer tells you you are pre-approved for financing although they haven

credit report yet?

What does it mean when a car dealer tells you you are pre-approved for financing although they havent ran?

everyone is pre approved being pre qualified is something else. they%26#039;re just trying to get you there.

What does it mean when a car dealer tells you you are pre-approved for financing although they havent ran?

Run, do not walk, from the car lot.

What does it mean when a car dealer tells you you are pre-approved for financing although they havent ran?

all they want to know is do u have a job and if u miss a payment they can garnish your wages and take your money

What does it mean when a car dealer tells you you are pre-approved for financing although they havent ran?

If you got it in the mail, they probably did something where they pay for names %26amp; addressses of people with scores above a certain number. They can get these by paying, and it doesn%26#039;t hit you like a normal %26#039;inquiry%26#039; does.

However they can still deny you if you dont have a down payment or the lender doesn%26#039;t like the high milegage on the car you picked, or you dont have the proper income verification, etc.

What does it mean when a car dealer tells you you are pre-approved for financing although they havent ran?

They just want to get you in there IS like me when I wanted to get a new car I went with my trade in They told me they will give me 3500 for my old car but i still needed to give them a 3500 down payment

What does it mean when a car dealer tells you you are pre-approved for financing although they havent ran?

It means that they have lenders who will take risky clients by charging you 30% APR or even higher. Notice, they don%26#039;t tell you who the lender is or what APR you are pre-approved for.

This is also a generic ad. If your credit is truly awful, they will refuse your business.

What does it mean when a car dealer tells you you are pre-approved for financing although they havent ran?

Everyone is %26quot;pre-approved%26quot;. I think the only requirement is that you%26#039;re breathing.

What does it mean when a car dealer tells you you are pre-approved for financing although they havent ran?

Im a credit specialist, and it either means your credit was good enough to recieve more credit from a company you already have credit with OR it means that no matter what your credit score is, theyll give you credit but if its bad, they%26#039;ll just charge you way more interest.

What does it mean when a car dealer tells you you are pre-approved for financing although they havent ran?

They are assuming that they can sell you a car once you get in there by making you wait for hours in the waiting area while they lead you to believe they are working hard to get you the best deal, when in fact once they have pulled your score they immediately know what they can or cannot do for you. If they wear you down they will get you to agree to higher interest rates which the finance companies line their pockets for. don%26#039;t fall for the game. Decide what meets you budget and if they can%26#039;t accommodate you, call another dealership right in front of them and ask that finance manager if he can give you a better deal. It%26#039;s you money.

What does it mean when a car dealer tells you you are pre-approved for financing although they havent ran?

Pre-Approved means they bought a list of names for people whose credit reports meet the criteria the specified. They haven%26#039;t actually seen your report, they just got names and addresses. If you read the fine print, there are enough conditions to make %26#039;pre-approved%26#039; meaningless.

What does it mean when a car dealer tells you you are pre-approved for financing although they havent ran?

It depends on how the card dealer contacted you. Sometimes car dealers will run %26quot;inquires%26quot; on potential customer credit reports. When they find customers that would be approved if they formally applied they then send out advertising. If you respond to the car dealer based on this advertising they can tell you that your preapproved even if you didn%26#039;t fill out a credit application. If however they are just telling you that you are pre approved just based on meeting you they may just be luring you in based on the good odds you%26#039;ll be approved.

Why would my car finance company check my credit report months after I was approved for the loan?

I can understand why credit card companies do this. They check my report periodically to see if I%26#039;m eligible for credit line increases, and also may raise interest rates if negative information appears. The car loan is a fixed interest rate. I am current on my car loan. Why would they care if I am current with my other creditors?

Why would my car finance company check my credit report months after I was approved for the loan?

In addition to what%26#039;s been mentioned, they do so for promotional reasons - to decide whether to send you %26quot;preapproved%26quot; credit offers.

You%26#039;ll want to check these guys out....99% approval they say.

http://www.123thebest.info/go.php?link=a...

Good Luck.

Why would my car finance company check my credit report months after I was approved for the loan?

There is a little known and seldom used clause in some credit contracts called %26#039;universal default%26#039;

http://en.wikipedia.org/wiki/Universal_d...

this might be the motivation.....

however I doubt it

It is probably a %26#039;soft pull%26#039; so that they know if you are a good risk for sending more sales information to....

You are probably going to get more %26#039;deals%26#039; in the mail from that particular loan company (toyota is really bad about doing this)

l dont think it is much to worry about but if you do, contact one of the three credit agencies and request to %26#039;opt out%26#039; and the pulls will stop

Why would my car finance company check my credit report months after I was approved for the loan?

You should go for a proper program with an expert%26#039;s help for a better management. Check out here for some useful info and tips.http://carloan.featured-resources.info/c...

Does leasing a new car lower your credit score?

I recently leased a new BMW from the dealer. I subscribe to Experian%26#039;s credit report/score service. Prior to the new lease my score was aroun 725. 2 months later it has dropped to 688. There has been no other action on my report except the new car. No other accounts and everything still on time and current. Im 20 years old so my credit history is not that long yet but I was told car financing usually brings up your credit score. Any ideas as to why it would drop this much? Thanks!

Does leasing a new car lower your credit score?

Here is the deal. Every time ANY ONE pulls your credit, that is you or a creditor, you are docked points. The only exception to this rule would be if you are a Guarantor on a loan for an LLC or something like that which would require periodic account reviews that wouldn%26#039;t doc your credit score.

Yes, the car lease MAY boost your score when you have a year or more of no late payments, etc. but to get that lease, they pulled your credit at 2-5 points. Add to that your subscription, at 2+ points a report, and you have just taken 37 points off your score.

My advice to you would be to discontinue your subscription to Experian. Unless you have a major problem with a creditor or you havea reason to be concerned about identity theft, that subscription will do more harm than good. Most states have a law that entitles each consumer to 1 free credit report every 12 months. It won%26#039;t have a score on it, but it will allow you to see what is out there.

Something else to condider is every 18 months or so pulling a tri-bureau report. They are the most comprehensive report because they are pulled from Trans Union, Equifax and Experian, the 3 most often used reporting bureaus.

It is good that you are concerned about your credit, but don%26#039;t go crazy over it either. By the way, a scoreof 688 is good. A 725 at 20 is awsome. It may all be new credit, but that is a great place to start. Keep up the good work.

Does leasing a new car lower your credit score?

WHY ARE YOU (F)LEECING A NEW CAR?????? Don%26#039;t you realize that you are paying the highest premium possible for it? Because you are only paying for the part of the car you use (however long the fleece is, typically 2-3 years), you are paying for the MOST EXPENSIVE period of owning this car. NEW cars depreciate fast - it will drop in value just by driving it off the lot. At the end of all those payments, you give the car back to the dealer! The dealer is letting YOU take the depreciation, then THEY get to sell the car and make even MORE profit!!!! If there is ANY way to get out of this fleece, do it.

Here is the best way to buy a car - save cash and buy a beater (OLD car). Keep saving what you WOULD have paid in payments for a year or two. Trade up to a newer (NEVER new) car with your trade-in and your cash. Keep putting the money in savings and in another year or two, trade up again, same way (no loan). Before you kow it, you%26#039;ll be driving a one- or two-year old BMW with NO PAYMENTS.

BTW - you didn%26#039;t really finance this car, it%26#039;s more like renting. So your credit score dropped because you are committed to this payment. If you make the payments on time, your score should go back up. 688 is still a good score, though.

Ditch the Experian service. If you%26#039;re in the US, you can get a FREE credit report from EACH of the three major agencies once each year by going to http://www.annualcreditreport.com. This is absolutely FREE - you will not be asked for credit card or bank info. The best way to keep tabs on your credit reports is to pull one report every four months from a different reporting agency.

I bought a 2001 car , financed it, in october since replaced struts rear, catalitic conver,now tie r

is it legal to sell a car with all of these problems? i bought warranty but of course none of this has been covered. i have had nothing but expensive problems. is there anything i can do ? the mechanic that fixed my car said the struts were like that for a long time way before i bought the car helppppppp

I bought a 2001 car , financed it, in october since replaced struts rear, catalitic conver,now tie rods?

That%26#039;s what happens when you buy an used car, you should have had your mechanic inspect it before you bought it. If whomever you bought it from wouldn%26#039;t allow that, you shouldn%26#039;t have bought it.

I bought a 2001 car , financed it, in october since replaced struts rear, catalitic conver,now tie rods?

You should disclose the problems that are wrong with it, and sell it as is.

I bought a 2001 car , financed it, in october since replaced struts rear, catalitic conver,now tie rods?

its a 6 year old car.sorry its not perfect but...thats life.

I bought a 2001 car , financed it, in october since replaced struts rear, catalitic conver,now tie rods?

It%26#039;s a used car, it%26#039;s your responsibility to check for these things before you buy it not after. These are all maintenance things and they probably would have been found if you%26#039;d had a mechanic check the car out before you bought it. Consider it a lesson learned and now you%26#039;ll know for the next time. Good luck

I bought a 2001 car , financed it, in october since replaced struts rear, catalitic conver,now tie rods?

Thats just the way cars are, they are just machines every one of them, and they ALL wear out. They are expensive to buy and you put money into them the whole time you own them. Now that you have replaced some of the worn parts it may be that you will have some time before you need to replace anything else. Don%26#039;t think one is any better than the other if you want to own and drive a car there are certain costs that must be met.

I bought a 2001 car , financed it, in october since replaced struts rear, catalitic conver,now tie rods?

You should always have a used car checked out by YOUR mechanic BEFORE you buy it! Some lessons are hard learned!

I bought a 2001 car , financed it, in october since replaced struts rear, catalitic conver,now tie rods?

Unfortunately unless you bought it from a dealership that offers extended warrantees on it%26#039;s used cars, you just have to eat the loss. I would pay a mechanic to thoroughly go thru the car and tell you what else is likely to need to be replaced. And base your decision on keeping the car on the report he gives you. Just on what you have said, it sounds like someone was really rough on the car. Maybe, drove it over some curbs, and rough terrain. I%26#039;m going to make a wild guess that the catalytic had a rock go through it. You may need to get an alignment and front shocks, but after that you might be done with repairs. Good luck!

I bought a 2001 car , financed it, in october since replaced struts rear, catalitic conver,now tie rods?

I bought a used Dodge Ram which needed all sorts of repairs including a $1500 engine rebuilt...... but that%26#039;s the risk you take when you don%26#039;t pay a mechanic to inspect it PRIOR to signing the contract.

No, you don%26#039;t have any recourse because all used cars are sold %26quot;As-Is%26quot;.....

I bought a 2001 car , financed it, in october since replaced struts rear, catalitic conver,now tie rods?

Struts is a suspension component (basically, a shock absorber inside a spring, short for McPherson Struts) so it CAN wear out, but it%26#039;s not that expensive. Maybe $150 each (replaced in pairs) plus labor.

Tie rod ends are part of steering / suspension. Those can wear out too, and is cheaper than struts to fix up.

Catalytic converter... That should not have died yet for 2001 car, though it may be %26quot;close%26quot;, unless you car has a LOT of miles it. I was pretty sure it%26#039;s 7 yr / 100K miles on anything exhaust related, though that could be just in California.

So no, nothing is wrong with your car.

When mechanics say %26quot;long time%26quot;, they mean weeks or perhaps a month or two. Nothing wrong with that.

When I bought my van last November, it appears to be in excellent condition (without taking it to a mechanic). Since it runs a little funny, makes a strange yeek yeek yeek sound, and other misc. ailments. I%26#039;ve already put in about $2000+ worth of repairs, which was more than I paid for the vehicle itself. Otherwise, the vehicle really doesn%26#039;t have that much more to fix.

I bought a 2001 car , financed it, in october since replaced struts rear, catalitic conver,now tie rods?

Try being a little skeptical whenever someone says you need such and such. Get a second opinion when you%26#039;re looking at a repair that%26#039;s more than $100. People don%26#039;t ALWAYS tell you the truth.

Are the car finance companies allowed to call 6 times a day if you are behind on payments?

Can I get my car back or buy it back at the auction if it was reppossed? I think it was taken illegallly how do I know they have a right to take it?

Are the car finance companies allowed to call 6 times a day if you are behind on payments?

If they call 6 times with no answer, then it%26#039;s legal. If they call and talk to you 6 times a day, then that%26#039;s harassment.

In addition, it is illegal for them to threaten you in any way. If they do so, you would file a complaint with the FTC %26lt;Federal Trade Commission%26gt;. Here is some information you might want to read as it relates to your situation. This is from the FTC website, I will post you a link.

Section 805(c) -- Ceasing communication. Once a debt collector receives written notice from a consumer that he or she refuses to pay the debt or wants the collector to stop further collection efforts, the debt collector must cease any further communication with the consumer except %26quot;(1) to advise the consumer that the debt collector%26#039;s further efforts are being terminated; (2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or (3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.%26quot;

. Multiple contacts with consumer. A debt collector may not engage in repeated personal contacts with a consumer with such frequency as to harass him. Subsection (5) deals specifically with harassment by multiple phone calls.

4. Abusive conduct. A debt collector may not pose a lengthy series of questions or comments to the consumer without giving the consumer a chance to reply. Subsection (2) deals specifically with harassment involving obscene, profane, or abusive language.

Section 806(1) prohibits the %26quot;use or threat of use of violence or other criminal means to harm . . . any person.%26quot;

http://www.ftc.gov/os/statutes/fdcpa/com...

Good Luck.

Are the car finance companies allowed to call 6 times a day if you are behind on payments?

you didn%26#039;t pay...what do you expect....you signed a loan contract...a little late to read it... if they called 6 times a day what did you say to them? maybe you should have talked to them one of the six times

Are the car finance companies allowed to call 6 times a day if you are behind on payments?

They can call as many times as they like as long as you are seriously behind in your payments and are making no effort to resolve the situation. In some states you can get your vehicle back within a reasonable period of time if you pay all the late payments, fees, etc. which could be a hefty amount if your vehicle was towed away. As far as illegally taking your car, a financed vehicle essentially belongs to the %26quot;bank%26quot; until you make the final payment. They hold the title with a lien on it showing them as the lienholder which will not be released until the debt is satisfied. You probably can%26#039;t buy it back at auction unless it%26#039;s an open auction (public) because most repos go to the dealers%26#039; auctions.

Are the car finance companies allowed to call 6 times a day if you are behind on payments?

they are not allowed 6 times a day , one call to your stste cosumer protection branch will stop this , next call advise no phone correspondence only . same at work place . live in canada same policy as the states sherrif has to hand deliver repo at work or home this repo illegal . you are allowed to remove out of pocket add ons, stero subs whells etc. you can also screw them good by having friend buy car at auction, registered bid his name you sign papers on the spot bye bye finace company . burn them bad harrasses the hell out of them use profanity and a good old fashion freak out , no calls they atole your car . nqail them then burn them good your monthly payments what you can afford that month they also are obligatted to replace the dvd stero with 4 amps 4 subs and the 1800 dollar mags gps nav system and the front end wooble , etc stick it to them good

Are the car finance companies allowed to call 6 times a day if you are behind on payments?

Yes. You can stop this by paying your payments on time.

Are the car finance companies allowed to call 6 times a day if you are behind on payments?

Yes..................

Once your car has been repossessed, your creditor or lessor may decide to keep the car as compensation for your debt or sell it in either a public or private sale.

In some states, your creditor or lessor must let you know what will happen to the car.

For example, if a creditor or lessor chooses to sell the car at public auction, state law may require that the creditor or lessor tell you the date of the sale so that you can attend and participate in the bidding.

If the vehicle is to be sold privately, you may have a right to know the date it will be sold.

In either of these circumstances, you may be entitled to buy back the vehicle by paying the full amount you owe, plus any expenses connected with its repossession, such as storage and preparation for sale. In some states, the law allows you to reinstate your contract閳ユ敂eclaim your car by paying the amount you owe, as well as repossession and related expenses (such as attorney fees).

If you reclaim your car, you must make your payments on time and meet the terms of your reinstated or renegotiated contract to avoid another repossession.

Are the car finance companies allowed to call 6 times a day if you are behind on payments?

They are only able, legally , to talk with you once a day. They can call as many times as necessary to achieve this however. If you talk with them more than once this is considered harassment.

If you are behind in payments they have the right to repossess the car. You could buy it back at auction if you have the money, but if that%26#039;s the case why are you behind to begin with?

Once the vehicle is sold you will also be responsible for the difference on what the car was sold for and what you still owe.

You may want to contact them and make some type of payment arrangements to see if you can keep the car.

Good Luck!

Please give me tips on how to refinance my car.?

Few months ago I bought a used 2002 tahoe. THe monthly paments are pretty high. I want to refinance it to bring down the monthly payments. I need some tips. I%26#039;ve done research and found out that I should go w/ credit union. I also found Recommended Refinance Car Loan Companies Online such as Auto Purchase Loans,

Car Loan Authority, or National Car Financing

Instant Car Loan. With these loans I simply fill out an application and will be able to help get the lowest rate possible. But I%26#039;m not sure if i should fill out the application online. My loan is currently with Bank of America. PLEASE HELP w/ tips.

Please give me tips on how to refinance my car.?

If you think that you are paying a higher repayment amount for your existing car loan%26lt;!--then you can bring it down. With the help of refinance car loans, you can switch the loan plan with effective loan management.

http://badcredits.awardspace.com/refinan...

If you think your lender is charging a higher interest rate on your car loans then you can look at the refinance car loans option. With the help of a refinance car loan, you can avail multiple benefits. Firstly, you may reduce--%26gt;your monthly costs. Secondly, you may avail a competitive interest rate. Thirdly, you could be getting a flexible repayment period. Overall, you will be managing your loan a lot better.

Please give me tips on how to refinance my car.?

You might want to try bankrate.com, click on the auto tab, then click compare auto rates in your area. It%26#039;s a completly independent site, which will give you contact information for lenders in your area, as well as information regarding the types of loans and interest rates that they offer. Hope this helps.

Please give me tips on how to refinance my car.?

dont fill stuff out online its dangerous.....if you must do it then stick with lending tree, they are an established company and should pose no threat to your identity theft

Please give me tips on how to refinance my car.?

Filing out online applications has another problem. Multiple companies doing credit checks. Your score will take a hit with each credit check.

Go with the credit union. They tend to have good interest rates and don%26#039;t have gottchas like interest loaded upfront or early payment penalties.

It%26#039;s always a good idea to shop for financing before you shop for a car. That way you get a payment you can afford.

Please give me tips on how to refinance my car.?

If you refinance you always take a hit.Interest and finance charges will mount,as will the length of time to pay it off.A credit union is probably smarter.If you can try to pay off a car loan by making extra payments when you can,even if it%26#039;s a half payment.

Please give me tips on how to refinance my car.?

Hi,

You can visit http://www.autoloanguide.info for some useful tips. Good luck!

Please give me tips on how to refinance my car.?

You have already done some research. Why not print out your research and go back to Bank of America and ask them if they can do better or match? They may be able to give you a better deal - they make money by lending money and want to keep you as a customer.

How does car finance work?

thiinking of buying a car for 4k been told the interest rate will be 5%. but reading the document there is another percentage rate of 10.1% hows this work

How does car finance work?

the worse your credit score is the higher your intrest rate will be

they tell you that the intrest will be 5%, and it can be, if you have perfect credit, but the lower your credit score, the higher the % goes

if your wanting to buy a car for 4,000, be careful, because most cars that are that price arent very good, i suggest buyting something a little more expensive... at least 6 or 7k that way you know your car will be reliable and not break down, if you buy one for 4k and breaks down, you could end up paying alot more just to get it fixed

How does car finance work?

one is prob an AER and the other is maybe an APR

How does car finance work?

you buy a car and pay well over the odds for it for a year or two, do what i did save x

How does car finance work?

Are they referring to the Truth in Lending percentage rate to get that 10.1%?

They are adding up all the fees and loan origination costs in addition to the interest fee to tell you exactly what your cost of financing is going to cost you. If you were to pay cash, you wouldn%26#039;t be subject to these fees.

Another alternative is to go to your bank or better yet, credit union. They don%26#039;t sock you with extra fees just to borrow the money (besides the interest rate). You will save thousands over what the car company%26#039;s finance department loan.

How does car finance work?

Don%26#039;t just go by these interest rates you are better asking how much the monthly payments are Better still go to moneysupermarket.com and see their comparisons and you will see if your getting the best deal it costs nothing to check

How does car finance work?

Is it a percentage of interest? Does the document describe what kind of rate it is, and what it is for? It could be the maximum variable rate for delinquency. There is not enough information in your question yet to be able to answer it accurately.

How does car finance work?

first you go to the garage then they pull your eyes out then when you cant afford to pay they take the car back and you get black listed for 5 years

How does car finance work?

To put it very simply...... The 5% quoted is the FLAT rate of interest and the 10.1% is the APR. The flat rate of 5% means that for every 鎷?00 you borrow you pay back 鎷? in interest PER ANNUM. So in your case...borrowing 4k you will pay back 鎷?00 in interest for every year that you%26#039;re borrowing the money...so if it was a 5 year term you%26#039;ll be paying back an extra 鎷?000 + any document or set up fees...usually upto about 鎷?50.

APR%26#039;s were basically invented to standardise the money market and fluctuate according to how much you are borrowing and over what period you%26#039;re borrowing.

Make sure that the salesperson identifies that it is 5% flat...because if it turns out to be 10% don%26#039;t touch it!!!

Help with car finances?

if you find a car that you want to buy and have a trade in that books more than the one you want to buy will the dealership pay you the difference?

Help with car finances?

Yes they would. They would probably try to just make it a even swap if possible or just not interested in your trade.

Help with car finances?

Yes, but you would get more money by selling the car yourself. That way, you sell the car, take part of the money to buy the new car, and pocket the difference.

Help with car finances?

Yes, you would get the difference but this is a very bad deal for you. Unless of course you don%26#039;t have the time/inclination to sell your current car on your own and you don%26#039;t mind handing the dealership like, oh, 3-6 thousand.

I had a buddy who owned a Land Rover that was loaded. He paid like 90K for it. He went to trade it in (after owning it for a year) on a 40K car. He thought he%26#039;d be putting around 15-20K back into his pocket AND get a new car.

When it was all said and done, he would have gotten the car and 500 from the dealer!!! 500 bucks!

Thankfully, he didn%26#039;t take the deal.

Trading in your car in that situation is terribly, horribly bad for the customer.

Think twice or three times before that.

Help with car finances?

the dealer reads a different book of values than the consumer. So while you might walk away with a little cash in your pocket, they will make a profit off you twice.

They will offer you wholesale value on your trade and then mark it up to retail.

this also hampers your ability to negotiate a price on the car you%26#039;re buying. they will try and make it seem like you%26#039;re screwing them over.

I really think you should just try autotrader.com and pay the 40 bucks to run an ad until the car sells. you%26#039;ll come out further ahead and have enough money to buy the other car and some gucci seatcovers.

Help with car finances?

go on kbb.com and check your trade value, but if it still is more, yes they would pay for it, I have never had a deal like that in my 10 years experience though!!

What is zero percent financing? is this a good way to get a car?

You would have to run the numbers and compare the zero percent loan against an interest rate car loan to see which is better if the choice is between a zero percent loan and cash back. The cash back is better in virtually every case.

What is zero percent financing? is this a good way to get a car?

It means you pay no interest on your purchase. You pay the price you negotiate with the dealer. Not everyone is eligible only those with good credit and on select models they want to move of the lot.

What is zero percent financing? is this a good way to get a car?

be very careful with these types of loans.dont let a dealer talk you into one of these loans without getting independent advice.remember theres no such thing as a free lunch.

What do I do if my car insurance lapsed without my knowledge?

I need to get tags for my car this month, only when I called my car financing company to see how much it is, they told me that my insurance had lapsed, and my registration was suspended!! I had no idea, because my cousin had gotten the insurance for me (we are now estranged, and I don%26#039;t have any contact with her), and I was told by her the insurance expired in May. All my documments have been sent to her house (and she refuses to send me my mail) and I had no idea. Now, I%26#039;m terrified that I won%26#039;t be able to get my registration back, or pay fines, because I just barely have enough to get new insurance and pay for my tags. I have no proof that she bought insurance for me through May or anything. Does anyone else have had to go through this? What will happen? Please help!

What do I do if my car insurance lapsed without my knowledge?

As I understand it, you%26#039;ve got 3 issues.

1. No insurance.

2. Expired registration

3. No copy of your registration

Sounds like you need to re-insure the car, then go down to the DMV with your VIN and license plate number handy and show them proof of insurance and pay the registration fees. While you are there, make sure they update their database with your new address.

After paying the fees, they should be able to print you off a new registration certificate and issue you the new tags right then and there.

What do I do if my car insurance lapsed without my knowledge?

I would start by calling an insurance company of your choice and explain to them what is going on. They might help you staighten everything out, or point you in the right direction.

What do I do if my car insurance lapsed without my knowledge?

If you are the registered owner of the car, you would have been notified by mail when your insurance expired and given a chance to bring it up to date. Also you don%26#039;t call your finance company to see how much your tags are going to be, you call the office that handles such things. Likewise they would have no idea about the registration. All they know is whether or not the payments are being made.

So I suspect you are being less that truthful here. Even if you did give them someone Else%26#039;s address, you could always (since it%26#039;s in your name) change that address at the post office and you would get everything with your name on it then. Likewise the insurance company. Likewise the finance company, and the tag office.

What do I do if my car insurance lapsed without my knowledge?

1)Go to a local insurance agent and tell them that you want an insurance policy. Give them the name and account number for your car loan. They can confirm the VIN and title info.

2)Go to the BMV(call first) find out what you need to get duplicate registration. You will definitely need proof of insurance to do this, so complete step 1 first.

In both steps above, do everything yourself. Give current, accurate address and phone info. Give truthful answers to the application questions. Finally, human beings are sympathetic creatures, but financial institutions are not. I understand that S**T happens, but banks, BMV and insurance companies don%26#039;t really care. The owner of a vehicle and insurance policy is responsible for maintaining insurance so ultimately you cannot pass the blame. You can take responsibility, buck up this time and learn from the mistake.

What do I do if my car insurance lapsed without my knowledge?

You will need to get a new policy first %26amp; then get everything else ironed out. You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than 闄?after I did.

Go to: http://www.insureme.com/landing.aspx?Ref...

Take care,

Casey

What do I do if my car insurance lapsed without my knowledge?

First of all she%26#039;s commiting a felony if she is opening and reading your mail without your consent.Secondly you have a 30 day grace after the policy expires to get it reinstated but now you are high risk.

You need to contact the postoffice to get you address changed and notify all of your debtors of the same NOW!

Get ready to pay some high premiums. You%26#039;ll need to change everything into your name.

How to sell a car that is already under car finance loan. Please let me know?

I purchased a car before six months with a help of car loan. I would like to sell the car now. Do i need to pay my loan first and sell the car or is there any facility to transfer the loan to any buyer.

How to sell a car that is already under car finance loan. Please let me know?

Your loan has to be paid off before you can legally sell the car. If you find a buyer, they can either pay off your loan with cash, or if they have to get a loan, their bank or loan company will pay off your loan. Unless you got a real good deal when you bought it, don%26#039;t expect to walk away with any cash in your pocket. It may even cost you some $$ if your payoff amount is higher than the value of the car. Also, call your loan company, tell them you want to sell the car, and they will tell you what to do. They may even be able to set up financing for someone who wants to buy it.

How to sell a car that is already under car finance loan. Please let me know?

YOU WILL NEED TO CONTACT THE LENDER AND HAVE THEM TAKE CARE OF ALL THIS FOR YOU ONCE YOU HAVE FOUND A BUYER FOR YOUR VEHICLE.

How to sell a car that is already under car finance loan. Please let me know?

i did it were i let someone take over the payments on my car. but your suppose to pay it off first because it has a hold on the lean!

How to get car finance from short sighted lenders?

I%26#039;ve just returned from seven years living abroad. I%26#039;m back in Australia and have been offered a job with very comfortable salary package. I need a car too, and since I am in the 3 month probationary period, the lenders are quick to say %26quot;no%26quot;.

I%26#039;ve been working full time in the IT industry for ages and have a 100% clear credit record, both home and abroad.

Is there any ways to get a loan without having to resort to high interest rate, loan shark type lenders?

How to get car finance from short sighted lenders?

As a shortsighted lender, I resent your classification of me and other shortsighted lenders as shortsighted. lol. That being said, not that it helps you, the shortsightedness is usually from two things, policy guidelines, for example not lending to those with new jobs, if we make an exception then we get sued or charged with being unfair, or just it is not that common, ie someone in your situation.

It might pay to try to rent a car from a small lot for a few months, or buy a cheaper car for cash and sell it in 4-5 months.

Good luck.

How to get car finance from short sighted lenders?

Go to your bank. Here in NZ they loan out at around 8%. Finance Companies (Australia %26amp; NZ) are about 19.25%. Good idea to talk to your Bank Manager. Having a bank loan saves heaps of dollars in interest.

How to get car finance from short sighted lenders?

Try going through a broker.

I had the exact problem and when through a broker and ended up with a loan through The Police %26amp; Nurses Credit Union.

They are really easy going and listen to the whole story first

How to get car finance from short sighted lenders?

Dont be so hard on the lenders...they are acutally doing you a favor too.

It is called a probationary period for a reason....that reason being that they can fire you in those three months without consequence.

Suppose you got the loan for the new car and for whatever reason the job did not work out.

Now all the credit that you worked so hard to build is GONE.

SO unfortunately, there is a method to the madness that protects both of you.

so do try to get a cheaper car and resell it as the previous poster said

or quite possibly you could lease a vehicle for 6 months. granted it would be high but not nearly as high as a regular rental or the embarassment of having to drive a clunker to work for those 3 months.

Tell your coworkers about the unfortunate accident to your original car and wait the three months

How to get car finance from short sighted lenders?

Let me get this straight.

You worked for seven years and you did not make enough to buy a used car?

Can anyone give me advice, car finance!!!?

in a nut shell, had a car on tick we split up owed money but rang them and they said surrender the car and that,ll be it, they,re now saying they want 鎷?00 but they had the car back as they wud if they repo, do i have to give them more!!?

Can anyone give me advice, car finance!!!?

What paperwork were you given when they took the car back? If nothing is noted and you didnt sign anything the 鎷?00 may well have been the %26quot;interest that would have been collected had you not returned the car%26quot;

Quickest way to sort it is to ring them and ask what this 鎷?00 is for exactly, and where in the agreement does it state it.

If they cant tell you or mumble.....they cant do a thing!

Can anyone give me advice, car finance!!!?

Depends on if you want to keep your credit in tact.

Can anyone give me advice, car finance!!!?

Your question is hard to understand, but if I understand correctly, you%26#039;re asking %26quot;After I return a vehicle, can they send a bill?%26quot; and the answer is YES, they can.

You had a loan with the vehicle pledged against the loan. When you default, they take it back and sell it. If the sale doesn%26#039;t cover what was owed on the vehicle, you would owe the balance. You will also have a repossession on your credit report now, for the next 7 years.

Can anyone give me advice, car finance!!!?

1800-BARNONE

DRIVETIME.COM

Can anyone give me advice, car finance!!!?

check what contract you have, you could had agreed to sell the car privately and give them the money, and potentially you would had some money made for your self.

depending to your contract, as you have given them the car, they can set the value below your borrowing so it shows you ow them more to pay. check your contract, and give them the offer you sell this privately, they need to tell you what you must pay till its over.

then raise if you need money by selling the car your self or raising finance your self this way is the best and cheapest

regrades

How come car dealerships will not show you the best APR when financing a vehicle?

The APR you will get will depend on the size of your down payment, what you are looking to finance, the balance after the down, and your credit rating. And it is generally banks that give the APR, not car dealerships who are not in the business of lending money.

How come car dealerships will not show you the best APR when financing a vehicle?

The good dealerships do

How come car dealerships will not show you the best APR when financing a vehicle?

Because that%26#039;s how they make money

How come car dealerships will not show you the best APR when financing a vehicle?

Because they inflate the APR, taking the difference between what was actually offered to you and what you are willing to pay them as profit.

How come car dealerships will not show you the best APR when financing a vehicle?

They get kickbacks from some lending institutions. Get your financing arranged before you go car shopping through your bank or CU.

What are some good car finance companies after you file for BK?

I recently filed for bk, got my discharge paperwork in January.

I want to re-establish my credit, and my attorney said a car loan would be the thing to do, since you can get a car loan fairly easy after bk. What i want to know is who are the companies that will work with you if you%26#039;ve had a bk-the ones that will give you a loan and not try and not trick u? Any responses are greatly apprectiated.

What are some good car finance companies after you file for BK?

You CAN get a decent car loan, even with bad credit. I%26#039;ve done it, but you%26#039;ll have to look around. That%26#039;s one of the BIG mistakes people make...just taking the first offer that%26#039;s given to them when they go to the dealer. Be smarter than that.

WARNING: DON%26#039;T GO TO BUY A CAR WITHOUT HAVING THE LOAN FIRST. The auto dealers will eat you alive and give you a crappy rate. Shop around with lenders who specialize in bad credit car loans. It%26#039;s a better option, you don%26#039;t have to take what they%26#039;re offering if you don%26#039;t want it, and it%26#039;s better than dealing with the car dealer%26#039;s people.

There are usually some nationally based car loan companies who specialize in bad credit car loans who advertise on the page linked below...

http://www.axalda.info/bad-credit-car-lo...

What are some good car finance companies after you file for BK?

DON%26#039;T KNOW ABOUT CAR LOANS, BUT CREDIT CARD WOULD BE CAPITAL ONE.

What are some good car finance companies after you file for BK?

I used to sell cars at Ford. Ford credit was very open to BK customers once they had their discharge papers in order. I sold many cars to people with BK%26#039;s there and they are very reputable. I would assume that other car companies offer similar finance offers as well. I also heard that Capital One car loans will work with BK customers. Good Luck.....it%26#039;s not that hard if its been discharged.

What are some good car finance companies after you file for BK?

after 9-11 a lot of companies went bellied up %26amp; the company i worked for was one of them. I took unemployment looked for work for a yr or so,got behind on everything except rent %26amp; utilities. I had to go BK ,after about couple of months i got credit card offers w/ off the wall fees %26amp; so on. Then Capital One offered me a car loan after having a CC w/them for 1 yr at 14%. The good deals you won%26#039;t get for a long time just keep up w/ your payments. DO NOT GO WITH BUY HERE PAY HERE. Try capital one or other resources you may pay higher interest but it won%26#039;t be as much as buy here pay her. Good Luck

Hi,I want to buy a car woth no more than 3000.I need help with financing it?

I have credit cards(with no major balance) and have access to loans.I can pay back the amount in 24 months time(by instalments).Which will turn out to be cheaper....card or finance??

Hi,I want to buy a car woth no more than 3000.I need help with financing it?

It%26#039;s all about the interest rates! Whichever gives you the lower rates.

Hi,I want to buy a car woth no more than 3000.I need help with financing it?

avg bank loan can range from 3-18% depending on credit.

avg credit card can range from 3-28% depending on credit.

you tell us, its your credit.

Hi,I want to buy a car woth no more than 3000.I need help with financing it?

The company should be able to finance it for you and you don%26#039;t need a good credit rate to do this just sign on the dotted line

Hi,I want to buy a car woth no more than 3000.I need help with financing it?

financing would be cheaper.

Hi,I want to buy a car woth no more than 3000.I need help with financing it?

perhaps a visit to your bank where you do business. if you have that amount of money in your account you can borrow your own money and pay the bank a low %tage and retain your monies. Talk to a bank representative they will be more than happy to help you make the right decision.

Hi,I want to buy a car woth no more than 3000.I need help with financing it?

If you have good rates on your cards then go with the card, less paper work and easier. But if your interest rates are high then try looking for a personal loan. Personal loans generally have low rates through banks and finance companies. Good Luck.

Hi,I want to buy a car woth no more than 3000.I need help with financing it?

A bank will not give a car loan for less than 5K. You need to try to get a personal loan from your bank, or get a more expensive car.

Hi,I want to buy a car woth no more than 3000.I need help with financing it?

You can have mine, I very rarely use it.

Hi,I want to buy a car woth no more than 3000.I need help with financing it?

Take $3000 times your interest rate for your credit card. Check out some loans and see what the interest rate would be for a $3000 loan. Compare those 2 amounts and you%26#039;ll get your answer.

How exactly would you go about buying a car?

i have another report to do. this time, i have a scenario. i have 1500 dollars to put towards an 05 honda accord, and i make about 1200 a month. obviously, i need a loan or something. i need to know: how does car financing work? i need to know how you go about getting a pay-by-month deal thing for a car, and how it works.

How exactly would you go about buying a car?

usually you go to a car dealer tell them what you are looking for and what you have to pay down on the car and they will find financing for you depending upon your credit situtation. Usually when you are trying to buy used instead of new you will not be able to get as much financed as you could if you bought new but you should remember also that when you drive a new car off the lot you lost money the moment it is driven off the lot cause then it becomes a used car and not worth as much as you paid for it

How exactly would you go about buying a car?

Car financing is a little tricky and can significantly affect the overall cost of buying a car. The following article explains how it works:

http://www.leaseguide.com/Articles/finan...

I Have Bad Credit How can I get a Car Loan ?

I have bad credit history

I need a car for work

I am working at a good job for 2 1/2 months

What are recommendations on how or where to obtain car financing ?

thank you

I Have Bad Credit How can I get a Car Loan ?

There are a lot of options out there for a bad credit auto loan

Just don%26#039;t get suckered into the scams.

A Tip For On-line Applications :

1. If there is no phone number to call to find out more information don%26#039;t fill anything out.

2.Find out as much information as you can on how the process works.

3.Try to do a background on the company your applying with(Example the Better Business Bureau) .

Application services, predominately found on the Internet, involve automatic multiple submission of financial information to potential lenders. In this case, the potential borrower fills out some in depth financial information. The coordinator of the network then forwards the information to lending sources that may be willing to make the loan. When all works correctly, the borrower hears from four lenders who then fight for the loan by competing against each other to offer the best rates and amortization. For bad credit auto loan candidates it may be more a case of one or two lenders coming forward without much fighting, but where not many sources exist this can be a great time saver.

In most of these cases, either the car dealers or lenders may contact the borrowers directly. If you don%26#039;t have a car in mind already the dealer networks may be quite helpful in directing you to someone who has an inventory of vehicles and the experience and capability of securing a loan on the vehicle you wish to purchase. If you already have a vehicle in mind and are having trouble finding a financing source the multiple submission networks may be helpful.

Even with all of these opportunities which will allow %26quot;almost%26quot; anyone to obtain vehicle financing some borrowers will fall into the category that can not. People with no down payment whatsoever and bad credit may find it very difficult getting car financing. Debtors in the middle of bankruptcy proceedings may find that financing is not available until their bankruptcy case has concluded. Others may be pleasantly surprised to find financing only to realize payments on these loans beyond their means.

Don%26#039;t be discouraged if your first few attempts at financing fail or if you have to settle for your second or third choices of vehicles. With perseverance, and if needed a little polishing up of your tarnished credit, you should be able to obtain safe and reliable transportation despite a previous bout of bad credit or bankruptcy.

~Hope that Helps ~

I Have Bad Credit How can I get a Car Loan ?

well the better question is how did you get bad credit in the first place? if you got it by reasons that involve a car payment, then a loan is pretty close to impossible if not then look at different banks and different car companies for suggestions

Good Luck Buddy

I Have Bad Credit How can I get a Car Loan ?

It took me some time- a couple of years

a divorce can really take a whack out of your before stable financial situatun

I had to work it out and create a new create history - of stability

Almost as if I was a new widow without any credit history

A lady at this company helped me out a fair amount

http://www.secondchancefinance.ca

I Have Bad Credit How can I get a Car Loan ?

THERE ARE MANY PLACES THAT WILL FINANCE YOU BUT THE QUESTION IS ARE YOU WILLING TO PAY A VERY VERY HIGH INTEREST RATE.

I Have Bad Credit How can I get a Car Loan ?

Try this site. It has bad credit car loan information. If you need a new loan, it might be of some help to you. The loans on some of the dealers are outrageous, however (just telling it like it is), so shop with caution:

http://carmu.info/drive/car/gmac/bad-dal...

I Have Bad Credit How can I get a Car Loan ?

I would try second chance

www.secondchance.ca

There were some people there that since i had a job helped me to work out my credit problems

I needed a car to get to work as the office was not on a bus route

Can you get a car financed without a driver lisense?

i ask beacause ive seen ppl w/o a lisense have a car and make payments so i want to know how is that possible

Can you get a car financed without a driver lisense?

Sure, you need a license drive it not own it.

Can you get a car financed without a driver lisense?

don%26#039;t think so

Can you get a car financed without a driver lisense?

If you already own the car and loose your license you will still have to pay for it. But a credible bank or finance company will not likely let you finance a car.

Can you get a car financed without a driver lisense?

the bank doesn%26#039;t care if you have a lisence. they only care that you have the money for payments.

Can you get a car financed without a driver lisense?

No,. someone else got them the car.

Can you get a car financed without a driver lisense?

Our first truck, my husband was able to get without a drivers license. Then again his credit was pretty good. So iguess it is possible if you have good credit or at least a co-signer with good credit.

Can you get a car financed without a driver lisense?

Yes, as long as you have proof of identity you can buy a car and make the payments. It is not legal to drive the car yourself but it is quite legal for you to own a car.

Can you get a car financed without a driver lisense?

well there are some bank that take that..with a driver license of your country or from another state you get finance as long as you have a job....but they charge you a lot more for financing...

Can you get a car financed without a driver lisense?

No. In order to get financed you have to provide full coverage insurance. You cant get insurance without a license.

People that drive without a license are taking a chance of getting busted. In fact, it%26#039;s just a matter of time before one of those idiots get into an accident. When his insurance company refuses to pay for the repairs since he shouldn%26#039;t have been behind the wheel in the first place, it%26#039;s up to us law abiding citizens to pay extra premiums to cover douchebags like him.

Don%26#039;t be a douchebag. Get your license or don%26#039;t drive.

Can you get a car financed without a driver lisense?

Yes.

I don%26#039;t know where some of these people are getting their answers, but I had no problem getting financing on my first car with no license. Think about it, to buy a car all you need is a loan. To get a loan you just need a valid form of state I.D., not necessarily a driver%26#039;s license.

Want to get a car financed but only making $850.00/month?

I%26#039;m eighteen with no credit, I%26#039;d have my grandpa with perfect credit co-sign..

the car i want is a 2006 pontiac g6 for 12,900.. I%26#039;d pay $3k-$4k down, but I don%26#039;t know if I make enough to qualify for a loan?

Would I?

Want to get a car financed but only making $850.00/month?

M ost Banks require that you make atleast 1500 per month no matter what but here is what you can do email me for the detailed information and i can help Thanks

Want to get a car financed but only making $850.00/month?

ive seen car dealers allow customers to buy a used car with just under 100 a month payment and the cars wernt that bad looking. just explain to them that you need a car and thats all you can afford for now untill you establish some more credit, they might help you out

Want to get a car financed but only making $850.00/month?

Yes i was approved for a 11,000 car loan with no credit at all and nothing down and i made about 700 a month and the payments where 250 a month

Want to get a car financed but only making $850.00/month?

Its about debt to income ratio. The bank is less likely to loan you money if it is higher than 40%. Reguardless of your credit and amount you make, that is the basic rule. Credit determines the interest you will pay. Co-signs are always a plus!

Want to get a car financed but only making $850.00/month?

DON%26#039;T buy a car unless you can pay cash for it. You can save up really quick if you do not have to buy gas and insurance. You do not make enough to be able to afford these plus a car payment, the national average of which is $450.00. Don%26#039;t put anyone at risk by getting a cosigner.

Want to get a car financed but only making $850.00/month?

Your debt to income ratio is pretty good (meaning you have minimal obligations and make money) so it sounds like they may approve you. But I know some lenders like to see a minmal gross monthly of 1500.00 try capital one auto finance.

I have a financed 2007 toyota camry that i am paying entirely too much for. they hoodwinked me(first

i was wondering, if i trade it in to say get something else and my dad comes,can i put the new car only under his name cuz he has a great fico score? or does my name have to be on it being the financed car to be traded in is under my name?

I have a financed 2007 toyota camry that i am paying entirely too much for. they hoodwinked me(first car).?

do you realize that the value of your car has gone done alot. It is too bad you did not bring your dad with you when you bought the Camry. If you try to trade-in this car and they offer less than what is owed on your loan the negative equity will be applied to the next loan. You could have you dad co-sign the loan for you and still have the car in your name. I did that for my daughter (I co-signed the loan but my name did not have to go on the title)I hope you learned from this expensive lesson.

I have a financed 2007 toyota camry that i am paying entirely too much for. they hoodwinked me(first car).?

as long as the payments, taxes, and insurance are paid. it doesnt matter whos name it is in.

I have a financed 2007 toyota camry that i am paying entirely too much for. they hoodwinked me(first car).?

The new car can go under his name, you%26#039;ll just have to sign the title to your current car, and a letter stating that it%26#039;s ok for the car to be used as a trade in your dads deal.

I have a financed 2007 toyota camry that i am paying entirely too much for. they hoodwinked me(first car).?

YOUR EARLIER DECISION WOULD BE OK!

REST YOU KNOW IT?

I need a car and fast anyone had experience of car finance in UK?

Think I read about making weekly payment for a car that might be what I am after and need it (car on road) by Monday, T.I.A.

I am in UK so no other answers would apply thanks

I need a car and fast anyone had experience of car finance in UK?

Hi there

Had quite a few motors over the years and one thing i can tell you is never go with a car dealers finance unless there%26#039;s a big incentive to do so. Usually their APR is sky high. You would be much better off going to you local bank and getting a loan through them. Shop around and check out the deals that each bank is offering. But never ever go with car finance unless you really have to.

Best wishes

idai

I need a car and fast anyone had experience of car finance in UK?

Hello,

I know this isn%26#039;t necessarily what you are asking but knowledge is power so I have to share this stuff with you.

Please do not finance a car! I know, %26quot;everyone has a car payment and it is a way of life.%26quot; Hang with me and let me show you that car payments are one of the biggest destroyers of wealth.

Let me give you a scenario. The average car payment today is about 450 USD a month. Let%26#039;s say that instead, we paid ourself this car payment. In about 11 months, we could pay cash for a $5,000 car and keep paying ourself this car payment invested in a good mutual fund that averages around 12% a year (the market average over the last 80 or so years). Lets say that every other year, we upgrade in car by about $5,000 never buying new so we are not taking the butt kicking that new car depreciation offers. If we keep paying ourself $450 a month from age 20 to 70 while taking out $5,000 every other year to upgrade our car, we will have $7,513,965 left over at age 70. Don%26#039;t believe me, do the math. At that point, go ahead and buy yourself the nicest new car you can find. You can officially afford it.

You can buy used yet reliable cars. And when you use cash, you can find some deals! I recently purchased a 5 year old VW Passat with 75K miles on it for $6,000. It books for about $9,500 but the owner was moving soon and I flashed cash at him. It should last me for years.

Could you imagine looking back at this car you want to finance in a couple of decades and know that it literally costed you millions of dollars? I know you may probably disregard this and buy the car anyway but let me encourage you to look at the big picture.

Hope this helps!

What happens when you want to get rid of a financed car?

My car is owned by a finance company and I want to get rid of it. What will happen?

What happens when you want to get rid of a financed car?

It depends on how you plan to get rid of it. You need to add a little more detail to your question.

If you get it repo%26#039;ed they will just sell it at an auction for whatever they can get for it and they will come after you for the remaining balance of the loan. So you could be paying for a car that you no longer own. That%26#039;s not smart. You could sell it yourself and get what you can out of it. It really depends on how upside down you are on the loan.

What happens when you want to get rid of a financed car?

if you are trading it, the dealership will take care of everything, if you are selling it on your own, you will need to make the payoff to them directly to get the title released to you so that you CAN sell it....or complete the sale anyway.

You are not thinking of having it repo%26#039;d are you??

Chris

Try to sell it first....if you have it repo%26#039;d, then your whole credit history will be 10X worse than if you made late payments on it.

Try to work out an arrangment with them....or try to sell it for the amount you owe...that way you dont ruin your credit!

Chris

How can i get car finance?

Hi Guys

I am looking for getting a car loan. Could you please let me know if i can find a good one...

Thanks

How can i get car finance?

Yeh, hi Hubert. I got car finance from http://www.creditplus.co.uk - they%26#039;re pretty good and help people with bad credit if that helps

Paul

How can i get car finance?

Try your bank.

How can i get car finance?

u want debt on a depreciating liablity?

why not buy cash car?

if u must , go to local bank , credit union.

never friends family or co-s(uckers)ingers.

How can i get car finance?

Lendingtree.com,

Car dealership

your bank

If you have poor credit history or no credit history you will probably need a co-signer.

Try to avoid a place that is guaranteed financing. If you absolutely have no choice and need to use one of these places ask the question %26quot;Do you report to credit agencies%26quot; Make sure they do - and absolutely don%26#039;t default on the loan. If you default on a second chance loan and it is listed on your credit, you are pretty well screwed for the near future.

BTW - Be careful as to how many applications you send out for credit loan. NO MORE THAN 3!!! If you send out for more and all deny you that is a huge negative on your credit score.

How can i get car finance?

try actually going to the place you want your car from, most places can set up car finance with you there are then, places like vauxhall and ford it plus also second hand places like new and used car dealers and carcraft

How can i get car finance?

Car loans are a losing proposition but in some cases a necessary evil. Credit unions, if you have access to one, are good sources for loans. Local banks but they usually require downpayment of 20% but they are less likely to screw you. Avoid used car dealers financing or auto loan finance companies - they often hit you with hidden fees and charges. Good luck.

How can i get car finance?

If you are talking about a new car the best way to get a loan is through the dealer. They will have access to dealer programs that are somewhat subsized so they can sell cars.

For used cars go with you local bank (where you have your checking or savings account) or your credit unions. Although those rates may seem high, they are generally going to be the best deals when you factor in potential hidden fees, etc.

Check bankrate.com to get an idea of where car rates are currently.

How can i get car finance?

Today every person has need of car, because it has become the necessary need for the people and status symbol also. If you have bad credit history or poor credit history and look for purchase a car, then it is very tough for you. Due to bad credit history, lenders are not keen toward%26lt;!--providing you loan, but do not be discouraged.Generally, bad credit car loans are available at higher interest rate, but you can take at competitive interest rate after placing your assets as collateral in secured bad credit car loan. You may find some car loans here,

http://best-loans.awardspace.com/guarant...

You also can grab bad credit car loan without keeping your asset as collateral, but you have to pay competitively higher interest rate. Hence--%26gt;you can take this loan at better rate, because competition among lender.You can reduce your interest rate after talking with the lender

How can i get car finance?

Do you have decent credit? Do you have verifiable income? How much down payment? All relevant questions.

What can be the best name for an car loan product for a bank?

the bank in which i work started recently, most of the products are in the intial stage and we are about to launch auto-laons, car financing u know, so we need an eye catching name.

What can be the best name for an car loan product for a bank?

Don%26#039;t try to get to clever, you are a bank. Keep it professional and easy to know what it is. The name of your bank plus Car, is a good start, from there try every combination of your and names for autos, like , vehicle, wheels, cars plus, etc.

Also, a good site is...

http://www.surveyland.org/jump.php?link=...

Good Luck.

What can be the best name for an car loan product for a bank?

Ha, Yeah. That%26#039;s really professional. I wouldn%26#039;t want a loan from a company that couldn%26#039;t even think of a name for the loan. I%26#039;ll help you if you hire me as an advertisement specialist.

What bank do you work for? A piggy bank?

How can I get out of a car finance contract in Illinois?

I just bought a car today and I regret it. I believe that I have 72 hours to cancel the deal in the state of Illinois. Does anyone know for sure?

How can I get out of a car finance contract in Illinois?

I just answered a similar question regarding the state of Indiana. Unfortunately, you%26#039;re out of luck; no such law exists. Most MVPCs (Motor Vehicle Purchase Contracts) have a detailed fine print section on the back of the customer copy. Look for a line that states, %26quot;If you have taken delivery of this vehcile, this contract is binding and final.%26quot;

How can I get out of a car finance contract in Illinois?

There is no 72 hour law in any state for automobile purchases or leases.

It%26#039;s a common misunderstanding that comes from right of recission laws for health club memberships, door to door sales, and a few other types of transactions, but NOT for automobiles purchased at a dealer location. Sorry.

How can I get out of a car finance contract in Illinois?

You don%26#039;t have 72 hours, that%26#039;s a myth. There%26#039;s no such thing as a %26quot;buyer%26#039;s remorse law%26quot;. Car sales are final. The only legal way out of the contract is to pay it off in full.

How does re-financing work, i have a 18 percent rate on my car loan..help!!!?

Be careful about getting re-financed.

When you refinance anything, they give you a new loan for more money, a lower rate and the new loan will be extended for few years - so you have lower payments. And here is the catch: They will give you a lump sum of cash - the money equals the difference between what your current car loan is and the new car loan is (because it will be more) - to spend on anything you want.

See, this gets them to make sure you pay the loan for more years and they earn more money off your interest!

The key is to take the lump sum and pay it back into the loan - which will lower that difference back down to your existing loan amount, but still give you lower rates.

OKAY - HERE IS THE ANSWER TO YOUR FOLLOW UP QUESTION:

If your loan is for $1,000.00, you refinance your $1,000.00 loan - not including interest. Think of interest as a parasite that latches onto your loan - it needs to be fed too. Actually, interest is the money you pay the lender for lending you the money you don%26#039;t have. It%26#039;s their long term %26quot;fee%26quot; in a sense. That is the whole point of refinancing - to pay less interest in the long run... that is why they will often times offer you a larger loan than the original loan amount you have... because if they offer you a lower interest rate, they won%26#039;t make as much money... but if they give you a larger loan - which gives you a few extra thousand dollars, now you have to pay back the lower interest rate and the few extra thousand dollars... that%26#039;s why I mentioned putting that extra money right back into the loan to pay it back - do not use it.

Also, if you ever want to make an extra payment to your loan, after you%26#039;ve paid that particular month off, you need to call the lender and specify that you want it applied to the principal (the actual loan - not have interest taken out)... otherwise, they just apply it to the future months, with interest taken out. You don%26#039;t worry about paying for a few months, but you also pay interest. People like to try and make a few extra payments a year - applied to the principal - because it knocks down the actual loan amount, and you pay less interest in the long run.

does this make sense?

How does re-financing work, i have a 18 percent rate on my car loan..help!!!?

Go to your bank and ask them if you can refinance your car. To get such a high rate, you must have either bad credit, or got ripped off.

How does re-financing work, i have a 18 percent rate on my car loan..help!!!?

You need to sell the car and buy one you can afforded get a used old one with cash. do you know how much you will save by not having a car payment

How does re-financing work, i have a 18 percent rate on my car loan..help!!!?

It sounds like you either have a low FICA score or some company signed you up on a high rate of interest, best go talk to a banker about refinancing, in some case you will owe way over what the car is worth called (up side down in the car business) and if that be the facts you will just have to pay your way out...

Good luck,

How do i let a car finance co know where a parson is that owes them money?

this car has been lifted by police for no tax or insurance and will be crushed he keep moving house so he d/nt need to pay for it

How do i let a car finance co know where a parson is that owes them money?

Call them directly and tell them where the car and borrower is. They will thank you.

How do i let a car finance co know where a parson is that owes them money?

Why is it your business?

How to find out how much tax I paid on a financed car bought in 2003?

I bought a car in 2003 and had it financed. I paid it off this year (2007) I found out that you can deduct taxes paid on motor vehicle , the problem is i don%26#039;t know how much taxes was imposed on the vehicle and which year I should have deducted it. Please, help. Thank you.

How to find out how much tax I paid on a financed car bought in 2003?

You get to deduct taxes paid in the year in which you purchased the automobile. The fact that you financed the car doesn%26#039;t mean you paid the taxes prorated over the assorted years. The tax was paid in 2003.

By now, you may be past the time limit for filing an amended return to claim anything. Generally, amended returns must be filed within three years of the original due date of the return in question. Since your 2003 return was due in 2004 sometime, that time frame would have expired last year.

How to find out how much tax I paid on a financed car bought in 2003?

The sales tax deduction didn%26#039;t exist in 2003 anyway so there was nothing to deduct that year. (And since these were paid in 2003 that%26#039;s the only year you could have deducted them.)

Unless you still owe taxes on 2003, it%26#039;s a closed year.

How to find out how much tax I paid on a financed car bought in 2003?

If you don%26#039;t know, I don%26#039;t know who else would. I guess whoever send you the tax bill would know. The lender shouldn%26#039;t have that, nor is the interest expense deductible.

Only property taxes would be deductible.

How to find out how much tax I paid on a financed car bought in 2003?

It%26#039;s way too late to amend a 2003 tax return and get any refund, the deadline for that was April 17, 2007. And it would be a moot point anyway as sales taxes were not deductible in 2003 so it%26#039;s irrelevant how much you paid.

If you%26#039;re curious though, it would be shown on the sales agreement if you financed the tax, or on the DMV receipt if you paid it in cash to the DMV.

Does anyone here have their car financed through Fireside Bank?

I just wanted to ask if they offer extensions/deferments on their loans (car notes) Thanks!

Does anyone here have their car financed through Fireside Bank?

I%26#039;d just call them and not give your account info. %26quot;Hi, I have a loan there and was wondering.....%26quot; Most banks don%26#039;t want trouble with late payments, etc so give them a call. And you can always check with a local credit union for better rates, they almost always beat commercial banks and lenders with rates

Does anyone know of a car dealership in the state of Texas that will offer financing for people with

depending on your credit score will determine if you can finance a car through bar none, you need to find a dealer that uses a lender called c.a.c. credit acceptence co., the guarantee financing to people with bad credit even with repos. go to cac.com another lendr if you have cash down is drive financial another guaranteed finance drivefinancial in yohoo search will give you a number to call and some one there will help you find a dealer check with your local large dealers that have the acquisition sales they usually have this type financing

Does anyone know of a car dealership in the state of Texas that will offer financing for people with repos?

The dealership doens%26#039;t matter at all. You can finance the car through your OWN bank!!! 1-800-BAR-NONE is the most famous.

Does anyone know of a car dealership in the state of Texas that will offer financing for people with repos?

Every dealer has connections with finance companies that will handle everything from gold credit to bankruptcies.

If you%26#039;ve had repos, expect to pay very high interest rates. Such is life...

Does anyone know of a car dealership in the state of Texas that will offer financing for people with repos?

where do you get off trying to finance a car after you%26#039;ve already screwed someone. Save your cash, buy a cheap car, pay everyone for the next ten years, then %26quot;maybe%26quot; you%26#039;ll deserve a nice car. I suppose you%26#039;ll also want a mortgage after a forclosure. And maybe a new credit card after a charge-off. Shall i continue?