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The Auto Loan Expert – The Key to buying a Car - RSS feed - Add to Google

Sun, Oct 30th - 9:27PM

What details to consider while making an out-of-state car purchase in Missouri?

Prior to making a car purchase, conducting thorough research becomes inevitable. The pre-purchase research process becomes confusing when you plan to make an out-of-state car purchase in Missouri. But, remember that making an out-of-state car purchase is beneficial because it enables you to expand your market and helps you to shop at a lower price.

Car Buying Options increase with Out-of-State Car Purchase

Another reason for choosing it is the small size of Missouri State. It is ranked as the 18th most populous state of the nation, comprising of 114 counties and one independent city. The statistics show that the state is not densely populated as other states of America. Low population limits your car buying options. So, making an out-of-state car purchase proves to be a viable option for car buyers of Missouri.

How to make a Successful Out-of-State Car Purchase in Missouri?

How to make a Successful Out-of-State Car Purchase in Missouri?

Transfer of the Title

One of the most essential steps of buying a car from a different state is to transfer the ownership of the car through the means of a title registration. A bill of sale is the most important document to show the transfer of ownership. The stipulated time to complete the title transfer process is 30 days. In order to complete the process, you will have to visit the office of Missouri Department of Revenue. The required documents to complete the process of title transfer include a bill of sale, an application for the Missouri title and license (Form DOR – 108) and Vehicle Identification Number.

Safety Inspections

Once you make an out-of-state car purchase in Missouri, you will have to conduct safety inspections of the car. The Missouri State Highway Patrol is the concerned body that regulates the safety inspections in the state. It is mandatory for you to conduct a safety inspection of the car that you purchase. The safety inspection will check the working condition of the following:

  • Brake system
  • Headlights and turn signals
  • Horn system
  • Tires
  • Airbags, etc.

Once you have completed the safety inspection of the car, you will receive a certificate of Inspection and Approval. The Missouri Department of Revenue will require it for registering your car. A safety inspection is essential as it will make you aware of the damages.

Accurate Odometer Report

While purchasing a car from outside of Missouri, make sure that you consider its odometer reading. In case you are buying a used car that is less than ten years old, you should ensure that the title assignment includes an odometer reading of the car. According to the rules prevalent in Missouri, if you have an out-of-state title, you are required to fill an odometer verification form and obtain the Vehicle Identification Number from the seller. Therefore, make sure you verify every document before finalizing the deal.

Making an out-of-state car purchase multiplies your car buying options. If you opt for it, you can choose the car which is available in a different state at a cheaper price. But, before making the decision, refer to the above details and make a successful out-of-state car purchase in Missouri.

Buying a car in Missouri can be simple with CarDestination. Trust the bad credit auto loan expert for making your car purchase easy and affordable. Get in touch now for quick bad credit Missouri auto financing.


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Sat, Oct 15th - 12:10AM

A Blank Check Auto Loan is the Answer for acquiring Competitive Interest Rates

When you are in the automobile market, it is essential to have a budget for the car that you want to buy. A smart car buyer is someone who is well aware of the exact amount that he can spend on a car. But, even if you do not have a car budget in mind, blank check auto loan can prove to be a good choice for obtaining finance for your car.

A Blank Check Auto Loan is a Pre-Approved Loan


Blank Check Auto Loans for Easy Car Buying

A pre-approved loan means the loan is approved by the lender before the car buyer chooses a car. It makes car buying process easy. A blank check auto loan is a type of pre-approved loan. It determines the maximum amount that the lender is willing to lend to the borrower. It gives car buyers an approval for a loan up to a specific amount. The fear of auto loan rejection is eliminated as the loan is pre-approved. Once the car buyer chooses a car, he can write a check of desired amount to buy the car from the dealer.

Watch out for these Factors to ensure the Best Deal!


Best Auto Loan Deal

  • With a good credit score on hand, you can grab competitive interest rates on blank check auto loan. But if you have bad credit, the best place to look for loans is the internet.
  • The loan terms are important to understand before you sign on the dotted line. So read and understand them. It is not something to be ignorant about.
  • Even if you have been approved for a blank check auto loan, it is vital to negotiate the price of the car with the dealer.
  • Take the help of a car loan calculator to determine the monthly payment amount that you can afford.
  • Don’t go with the first loan that is offered to you. Shop around for the best deal.

A Blank Check Auto Loan is a Favorable Answer to Your Car Loan Worries


Favorable Blank Check Auto Loans

  • The negotiation becomes easy as you are aware of the maximum amount that you can pay for the car. You possess more negotiating power as you know the price range of the car beforehand.
  • As you know the estimated price range, car buying process becomes easy.
  • It offers you competitive interest rates which add to its advantage. The interest rates are low as compared to dealership financing.
  • Internet is the answer to all the queries about blank check auto loan. Internet eases the approval process too.
  • When you have no idea about the car that you will buy, having an estimated price range will be helpful. Such loan will provide you with the maximum amount that you can spend on the car.

Blank Check Auto Loan Risks Examined

There are definite benefits for the borrowers who qualify for the blank check auto loan. However, you must look out for the following risks:

  • If you have bad credit, it may not be in your best interest to apply for a blank check auto loan. Think of applying for the loan only after checking your credit score. A co-signer can improve your chances of approval.
  • There may not be any face-to-face interaction between you and the lender. So, it is better to read the loan terms properly in order to avoid any unfortunate surprises in the future.

A blank check auto loan will allow you to purchase a car even with bad credit. As the loan is pre-approved, it reduces anxiety and builds up your confidence during the car buying process. With competitive interest rates on hand, it truly shines in comparison to other auto financing options.

Blank check car loans will help a bad credit car buyer in buying a car quickly. Apply with Car Destination to enjoy bad credit no money down auto loans and bring home your favorite car.


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Fri, Oct 14th - 12:25AM

Selling 101: Which Set of Rules Will Help a First-Time Car Seller in New York?

Selling your car isn’t as simple as it seems. The process becomes even longer when you are a first-time car seller. There are a number of things you need to consider, if you reside in the state of New York. Due to an estimated population of 8.55 million in New York, there is a good probability that you find the perfect buyer for your car without a lot of problems. However, the rules and laws sanctioned by each state are different in terms of taxation, paperwork and the overhead fees required for buying a new car. The set of rules might be alien to those who are first-time car sellers. Therefore, it becomes imperative to study them in order to ensure that you get the best price for the car that you wish to sell in New York.

Which Set of Rules should be followed by First-Time Car Sellers in New York?


Rules for Selling a Car in New York

  • Producing a Bill of Sale


Bill of Sale

Unlike Pennsylvania or New Jersey, the law of New York does require the seller to produce a bill of sale when a car is sold. For first-time car sellers, it is essential to take it into consideration as it is evidence that the transaction took place. A bill of sale, typically, means that the responsibility of the car shifts to the buyer. Also, it is a good idea to keep a hold of the original bill of sale as the New York Department of Motor Vehicles does not accept any copies of the document.

  • Displaying Damage Report


Damage Report

Every car undergoes some damage during its usage period. Therefore, it is mandatory for sellers to display a damage report. According to rules followed in New York, the seller has to fill out the MV-103 form which gives an overview of the condition of the car. The point to be noted for first-time car sellers is that those who sell their car without displaying the damage report, prior to the sale of the car, can be subject to heavy fines or imprisonment in New York.

  • Compliance of Sales Tax


Sales-Tax-in-New-York-Car-Destination

The sale of any car in New York includes a sales tax. The current sales tax in the Empire State is 4 percent which is applicable to sale of cars within the state. Also, different cities and counties can levy additional taxes on the sale price of the car. As a first-time car seller, you can easily calculate the sales tax by filling out the New York specific DTF 802 form. Therefore, sales tax is a detail that first-time car sellers should not overlook.

If you are a first-time car seller in New York, make sure you advertise your car properly and provide the necessary documentation. Keep the bill of sale and damage report ready. Also, make sure that you comply with the taxation requirements in the state because it will make selling your car in New York a smooth task.

A car is a necessity in New York. So, before you sell your old car, make sure that you obtain bad credit car loans in New York to buy a new car. Apply with CarDestination. pre-approved auto financing in Bronx and every other part of the NY state.


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Thu, Oct 13th - 12:14AM

Car Buying Guide: 4 Questions to Ask before Purchasing Your Next Car in Georgia

Purchasing a car can be a financially straining process; if not a confusing one. Many a times, the car purchasing laws can be baffling and it only makes sense to be thoroughly prepared when you set out to purchase your next car. The state of Georgia is party to car purchasing laws that need to be understood in detail before you make a car purchase. As it ranks as the 24th largest state amongst the 50 states of America, Georgia is home to multiple car purchasing platforms. With various laws and procedures, understanding the right questions to ask is essential.

Therefore, before you set out to purchase your next car in Georgia, ask the following questions to get a comprehensive perspective of the situation.

1. When moving to Georgia, from a different state, which primary car purchasing laws should be taken into consideration?


Primary Car Purchasing Laws when Moving to Georgia from a Different State

According to the laws prevalent in Georgia, the car purchase should ensure the completion of a few basic requirements. These include a completed title application of ‘Form MV-1’, a vehicular inspection certificate and a bill of sale. However, registering a car from a different state, you should ensure that you learn about the EPA declaration of importing cars in Georgia and duly comply with the documentation process.

2. What is the tax rate applicable for the car purchase in Georgia?


Buying-a-Car-in-Georgia-Car-Destination

The tax amount for the purchase of a car changes as per the state laws. Unlike other states of America, there is no sales tax applicable during the purchase of the car in Georgia. Instead, you have to pay ad valorem tax. The ad valorem tax is a one-time title tax which is calculated on the total value of the transaction. The final price that you pay for the purchase of your car will include the ad valorem tax as well. Therefore, make sure that you are aware of the tax amount when you purchase your next car in Georgia.

3. How to obtain a temporary tag for the purchase of the car?


Obtain a temporary tag for the purchase of the car

When you purchase your car in Georgia, obtain a temporary tag from the car dealership. The temporary tag will be valid for a period of 30 days, within which the required paperwork for the title and registration of the car will be carried out. Under the laws of Georgia, if you are not able to complete the registration within the stipulated time frame, a penalty of $10 is applicable. If you do not obtain your temporary tag within the first 25 days, you can apply for another temporary tag at the local tax commissioner’s office of Georgia.

4. How to obtain Auto Loans in Georgia?


Obtain Auto Loans in Georgia

There are several options for obtaining bad credit auto loans in Georgia. If your credit score is excellent, traditional lenders such as local banks will offer you quick loan quotes. But, if your credit score is bad, it is advisable to opt for bad credit auto loans from online financing companies. Such companies have connections with several lenders and dealers. And, it will increase your chances of getting approval.

Buying your next car in Georgia should not be confusing. Asking the right questions makes all the difference. Keep these questions in mind as you purchase your next car in Georgia.

Buying a car in Georgia can be a confusing task. But, applying for a bad credit Georgia auto loan is simple and easy. Apply with CarDestination.com to obtain no down payment auto loans in the state.


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