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Wed, Nov 27th - 3:48AM

Fast Approval and Low Auto Loan Rates make Car Buying Easier for Bad Credit

Gone are the days of constant rejection due to credit score. Auto financing has become extremely easy for people with bad credit history or any other credit issue. If you have a terrible credit problem, apply for Fast Auto Loan Approval. The company is a leader of the of sub-prime car financing field. It understands your need for quick auto loan quotes and provides the same instantly.

fast auto loan approval

You have made a few financial mistakes in the past. But, that doesnít mean you shouldnít get options for making car loans simpler. Most lenders ask bad credit car buyers for down payment and co-signer. But, Fast Auto Loan Approval doesnít make such compulsions. You can avail instant approval with just regular income and lower debt-to-income ratio.

Applying for bad credit auto loans with Fast Auto Loan Approval is totally simple. Fill the secure auto loan application form and get your low rate car financing quotes today.

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Wed, Nov 27th - 1:32AM

Grab Low rate Car Loans Today for they might soon be History

U.S. debt is making everyone uncomfortable. Donít think that itís just a pain for Washington. Every American in the street is going to get affected if the government doesnít come up with a permanent solution. If the government defaults, investors will lose confidence in America and will start asking for higher rates on bonds. This will push rates higher and your car loan will also become expensive.

So, if you are planning to buy a car in the near future, buy it now. The rates may go higher in the next year. It is quite understandable that making a car purchase quickly is difficult. But, with this car loan guide, you can plan you auto financing program. Itís time to take the benefit of low rates before they become extinct.

Plan your Car Loan today for it may be too late tomorrow

Buying a car is not building castles in air. It is about making meticulous plans and achieving your goal of low rates. To get affordable rates you must:

Be Financial Wise

A low rate auto loan requires you to be financially stable. Lenders will offer you lower-than-usual rates when you are capable of making regular payments. So, you must decide on your capacity of making payments. Prepare a budget. Calculate the total expenses and income sources in future. It will help you in ascertaining an affordable monthly payment.

Also, keep aside money for down payment. Making a down payment lowers the loan amount and ensures the lender of your financial capacity. It will aid you in getting low rate car financing options.

Judge your Score

When you donít know your credit score, you end up ruining it more. This is because you may apply with a traditional lender/bank for a car loan with bad credit. Most of them donít offer auto loans to people with credit issues and past bankruptcies. Your credit score will get unnecessary hits and will reduce further. So, get your credit score before applying for a car loan.

Where to apply with your Credit Score?

Based on the credit score range given below, choose a lender/auto financing program. You can go online or ask you friends for recommendation. But, remember that the lender must be reputed and trustworthy.

330 - 619: Poor Credit Auto Lenders and Online Auto Financing Companies
620 - 659: Sub-prime Car Financing Program
660 - 751+: Any Bank, Credit Union and Car Loans Website.

Knowing where to apply for a low rate auto financing program as it increases the chances of approval. So, make sure that you submit your car loan request to a lender who will cater to your needs.

So, this is how you can prepare yourself for a low rate car loan program. Donít waste time in contemplating your automobile purchase. Itís advantageous to make a purchase now than in future.

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Tue, Nov 26th - 2:12AM

Pennsylvania Used Car Loans - Ideal Option for Bad Credit Auto Buyers

My friend visited me from Pennsylvania last weekend. She was tired of lack of opportunities of getting a bad credit car loan in a large city like Pittsburg. She asked me for help and wanted to know ways of getting a new car despite bad credit history.

Her situation is quite similar to other people in Pennsylvania. Many bad credit borrowers have a hard time finding new car loans. They don't get a loan approval easily. And, those who do donít love the rates that they receive. And, my advice is same to her and other Pennsylvanians - Get a used car loan with bad credit.

Why Used Cars are a Better Option?

Bad credit car buyers can opt for a used car because they are comparatively cheaper. This means a lower loan amount and affordable monthly payments. Also, many used cars are in a better condition than what they used to be. This makes them a win-win deal.

How to get approved for PA Used Car Loan with Bad Credit History?

Ellen has terrible credit history. Itís because she lost her job in the last recession and was unable to pay bills. There are other people with similar stories. Lenders in Pennsylvania understand that people have suffered because of severe economic condition of the nation. They have no problems in approving a bad credit borrower. All they want is security of their money. How can you assure lower risk to the lender? Here, the answer:

Prepare your Document File

When the PA used car lender sees your file complete with your income proof, employment details and list of receipts of utility bills, he will be assured of your financial condition. If the lender becomes sure of your current financial stability, he may offer you a Pennsylvania used car loan program instantly.

Find a Co-Signer

Remember that a co-signer can turn the tables in your favor. Convince someone with a good credit score to become your co-signer. Your co-signer shouldnít be debt-ridden. A person with high debt-to-income ratio will find it difficult to make payments, if you fail to do so. This will increase the risk factor and so, lenders will be against it.

The Down Payment Deal

When you want easy used car loan approval despite bad credit history, down payment can help you. Minimum of 10% of the total auto financing amount is ideal for down payment. Although, more is always better. If you donít have cash for putting money down, then you can trade-in your old car or even put your property as collateral. It is advisable not to apply for no money down car financing program because you will have to pay slightly higher rates.

The Perfect Lender and the Best Deal

My friend did a mistake of applying with several traditional lenders. As most lenders donít approve an individual with bad credit, she had to face constant rejection. Donít commit this mistake. Apply with only those lenders that have no problem in approving your Pennsylvania bad credit car loan application. Also, the lenders/auto financing companies should be offering used car loans.

When you apply for a bad credit car loan in any Pennsylvanian city, remember to analyze the loan quote. Donít just rely on the loan rates offered to you. Check the monthly payment amount, loan term and conditions, total loan amount, total interest amount, penalties and fees, etc. Choose a deal only when you are very sure of making regular payments. This way your credit score wonít be harmed any further.

Once your credit score improves and you are in a condition to buy a new car, you can opt for one. Till then, itís essential that you work with a pre-owned automobile. Remember a car is a car. And, as long as it is taking you places, it is fine.

All the Best Pennsylvanians! Ellen found her best deal with these tips. Hope that even you find the car of your choice with affordable loan rates!

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Tue, Nov 26th - 2:05AM

No Down Payment Auto Loans - The Perfect Solution for buying a Car without Money Down

Name: Jim Shelton
Age: 32 Years
Income: $1500 per month
Goal: Car Financing at Affordable Rates
Problem: No Money to make Down Payment

Now, Jimís problem is not an uncommon one. Many car buyers are troubled by the thought of putting money down. If you are one of them, this article can be your savior. Stop getting distressed by down payment. You can avoid the terrible down payment amount and that too, without making any exorbitant payment towards interest.

fast auto loan approval

Solution: No Down Payment Auto Loans

No down payment auto loans are ideal for Jim or any other car buyer who wants to avoid the trouble of making a huge down payment.

Even though down payment is necessary for any car purchase, making cash down payment means doing away with your savings. And in todayís economy, giving away savings is like giving away your financial security. Also, it is not necessary that every car buyer has a car to trade-in or gets rebates to make down payment. Understanding this, lenders have brought a solution in the name of No Down Payment Auto Loans.

What are the Benefits of No Down Payment Auto Loans Program?

1. Car Buying possible for Everyone
2. No need to part with your Savings
3. Low Rates due to Intense Competition
4. No Down Alternative available on New Cars as well as Used Cars
5. Part-Time Income is acceptable
6. Minimal Paperwork
7. Credit Score is not the only Factor considered.

What are the Requirements for getting approval on No Down Payment Auto Loans?

Donít fall prey to lenders who say that anyone can qualify for their affordable car financing options. It is not true. Such websites may sell your data to third parties. So, stay away from them.

There will always be a few requirements which you need to fulfill in order to get no down payment auto loans option. Lenders are taking a risk by providing car financing. So, they need to know your financial condition before taking any decision. It is for this reason that lenders require your financial information.

To get approved for no down payment auto financing, you should have: 1. Age Proof Ė You must be at least 18 years old 2. Valid SSN 3. Regular Income Ė Most Auto Financing Companies donít consider SSI 4. Stable Employment 5. No Repossession or Bankruptcy in recent past.

Now, Jim can get no down payment option easily. It is because his profile satisfies the requirements for getting approval. If you have a stable income and job, you can get 0 down car loans. Do not worry about your credit history. Lenders know that many car buyers have a troubled credit history because of 2008 recession. And, thatís why; they donít give credit ratings utmost importance.

So, donít take any tension now. Apply for no down payment auto financing and get ready to drive your new car!

All the best!

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Sun, Nov 24th - 7:57PM

Illinois Car Loans with Low Rates - Better Rates are now in your Hands

You have always received rates around 4% which were pretty good for every car buyer. But, what if someone told you that you can go as low as 0.79% for a 4 year loan term in Illinois? Yes, today lenders are offering extremely low rates on auto loans. If you can get lower rates, your interest payments will be almost nothing.

fast auto loan approval

So interested in getting low rate auto financing options? If your answer is affirmative, letís begin the journey. At the end of this article, you will be much clearer about getting low rates on car loans.

Spend Time so you donít have to Spend Money

Research, research and research Ė itís the only way to get the best car loan deal in Illinois. Understand that if you choose an IL auto loan quote without thinking, you may end up with bad rates. So, first of all, prepare a budget. Know how much money you can spend on the car. It will give you a direction and also, help you in keeping your spending in limit.

More Score for Less Rates

Today, for every credit score there is an IL auto loan program. But, to get better rates, you must have a good credit score. If you have bad credit history, make few payments and let them improve your credit score. Also, remove error from your credit report. It will definitely add few points.

Down Payment or Collateral is Beneficial

To get lower rates, the Illinois lender must consider you of a lesser risk. If he thinks that you can make regular payments, he will reduce your car loan rates. You can manifest your stable financial condition by making a down payment. 10%-20% down payment can work like magic. If you donít have cash for down payment, you can trade-in your old car or even use your home or another car as collateral. When the lender is assured of the safety of his money, getting lower rates will be very easy for you.

Applying with Lenders and Process thereafter

Never apply with a single lender because it wonít give you a chance to compare car loan rates. So, apply with several lenders. Donít worry about your credit score getting negative hits because Fair Isaac Corporation has declared that it will ignore inquiries made in a month prior to scoring. This means if you get your loan within 30 days, then your score wonít change. Remember that the time span can reduce to 14 days if the lender uses older versions of FICO score. Also, it can increase to 45 days if the latest formula is considered. So, to be on the safer side, complete your loan process in 2 weeks i.e. 14 days.

After getting IL auto loans quotes from the lender, you must analyze them carefully. Securing lower rates is your goal but ignoring other loan aspects can cost you. So, check the loan term, conditions, loan amount, etc. Choose a loan that has zero pre-payment penalty clause because it will enable you to refinance your loan in future (if better rates are available).

By following this article, you can definitely succeed in your quest of low rates on Illinois auto loans. Remember to lower the risk factor and your rates will nose-dive!

Best of Luck Illinoisans!

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Tue, Nov 12th - 8:40PM

Instant Approval on New Car Loans Ė Nothingís Difficult when you know the Auto Financing Process

Buying a car and that too, a new one is a dream of every American. Most Americans have a limited budget but that doesnít mean you need to limit your car dreams. You can always get a new car loan and fulfill your cherished dream. If you are scouting for a new auto loan, this article is perfect for you. Buying an automobile should make you. Buying a car should make you feel like a billion dollars and not like you are carrying the burden of a billion dollars Ė this comprehensive new car financing guide will help you secure instant approval on auto loans programs.

fast auto loan approval

What is the Ideal Time to buy a New Car?

There is no best time to buy a used car. But, for a new car, there certainly is. You can score a good deal when you buy in the last quarter of the year. Dealers are interested in clearing the stock and offer great discounts. Also, buying a car duing the shopping season is beneficial.

What should be the Ideal Loan Shopping Period?

Your decision shouldnít be against the clock but you must at least set a time limit for completing the new car loan process. Otherwise, it will keep on extending and become a speed-breaker in your auto dream.

As a car buyer, you must be aware that every credit check has an effect on your credit score. Now, you can avoid any negative hits by completing the car loan process in 30 days. This is because the company that manages FICO score has mentioned that it will pay no attention to all inquires made in 30 days prior to scoring. This span may increase if the lender is using the current formula or may reduce to 14 days if he uses the previous versions of the formula.


Never Bite Off More Than You Can Chew

To avoid a bad car loan situation, you must know your financial capability. And, for that, it is essential that you prepare a budget. Calculate income and expenses because it will let you know if you can afford a loan. Keep in mind that buying a new car is a big responsibility and you must be able to pay for titling and registration fees, insurance, fuel, repairs, etc.

Once you know your financial constraints, make sure you choose a car within the limit.

Improving Credit Score Ė Threshold of Instant Approval

The new car loan amount is huge because of the price of a brand new automobile. So, lenders are cautious while approving new car loans. But, when you have a good credit score, lenders know that you can manage a huge loan amount without any trouble. This results in reduction of interest rates as well as the total loan amount. Your chances of getting instant approval also improve.

Co-signer to cool down your Interest Rates

Get someone to co-sign you new car loan contract. Anyone with a good credit score can become your co-signer. This will keep lenderís tension at bay which means instant approval will become easy for you.

The Down Payment Debate

Why down payment is not required for buying a new car?

Everyone says that down payment is necessary to get instant approval but what if you donít have money for down payment. You can still get instant approval by doing these two things: 1. Use your old car as trade-in 2. Use the money from rebates as down payment

Choosing the Best New Car Loan

While selecting the best auto financing program for your new car, keep an eye on the total cost of the loan. Remember to analyze the loan quotes because it will ensure that your new car loan remains pleasurable for you. Donít just consider monthly payments. Compare APR, loan terms, clauses and conditions, fees and penalties before signing the new car loan contract.

So, thatís how you can get instant approval on new car loans.

Best of Luck for your new car!

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