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Sun, Mar 11th - 9:44PM

Buy a Car in Oregon by Successfully Tackling Bad Credit Score

The State of Oregon has pure and ragged coastlines, green forests, rugged mountains, plain desert, breath-taking canyons and interesting cities. It’s simply great to work and live in a State that offers so much.

Like any other American State, a car is the most obvious option for travelling in Oregon. It has become a necessity for the common Oregonian. When you want to buy a car, it is important that you get it instantly. It doesn’t make sense to wait and save for months to buy a requirement like car.

Apply for FREE Auto Loan Quotes

Availing loans is as such difficult but having a bad credit score makes your loan application even more risky. Your bad credit allows you to trudge slowly instead of comfortably cruising in your dream car.

But, don’t think that bad credit score is bad for your car dreams. It is definitely an obstacle, but you can overcome it. In this economy, there are many borrowers with bad credit and so lenders see a market for bad credit car loans. You must be surprised to know that there are several lenders in and around the Beaver State to help you with bad credit.

"Well begun is half done.” - Aristotle

Before applying for a bad credit auto loan, it is essential that you do a thorough research.

First of all, be very sure of your credit score. For that, you must go to annualcreditreport.com and avail your free report. Federal Law has provided you the right to get a free report every year.

Check for any errors. It’s a known fact that credit bureaus often make mistakes while compiling your report. The Consumer Data Industry Association stated in 2007 that two percent of 52 million credit reports have been deleted because of error. So if you find any error, write to the bureau.

Once you are sure about your bad credit score, it’s time to ascertain your budget. Think of how much monthly payment you can afford. Calculate your monthly expenses and don’t forget to consider any huge future expenditure like college fees or a wedding.

How to Apply For Bad Credit Car Loan?

With the advent of internet, things have become very easy for you. All you have to do is log in to your computer and search for a reliable online auto lending company that offers bad credit auto loans.

Once you fill the online application form, the company will send it to its network of lenders. The lenders will bid for your application and the best one wins. The benefit of this process is that you get a local lender without even visiting his office. This means that if you are living in Beaverton, you will get a sub-prime lender of the same city and not Lake Oswego.

Tips for Quick Approval

Don’t consider yourself unlucky for having a bad credit history. Depression and rejection are not your options. You are like your State; you fly with your own wings.

You must understand that a good credit score is just one of the many requirements for getting loans. So if you are short on credit score, improve other aspects.

1. Down Payment

Generally twenty percent of the car’s value is required as down payment. But if you can manage more than that, it’s great. It will reduce the lender’s risk and increase your approval chances.

2. Co-Signer

A co-signer is someone who will co-sign your loan agreement and in case of default will be held liable for the payments. Finding a co-signer with a stable credit history is difficult. But if you find one, your loan application will be easily approved.

3. Stable Income and Place of Residence

It is important that you have a stable income and employment for at least six months. Your recent pay stubs can be used as a proof of employment. In case of self-employment, your tax details can serve the purpose.

If you follow these tips, getting bad credit loans will become fairly easy for you. Remember that there is no failure except when not trying. So, go ahead and buy the car of your dreams.

Bad credit can never define your future. It’s just your credit history and it should never be the reason for not having a car. Avail the most reasonable automobile financing options with Rapid Car Loans. Our bad credit car loans Oregon are a great way to drive your dreams as well as improve your score.

All the best!


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Sun, Mar 11th - 9:43PM

How to Buy a Pre-Owned Car in the Beaver State?

The automobile has not merely taken over the street; it has been dissolved in every inch of our culture. We, Americans are totally passionate about our cars. It has totally become a part of our life, a part of our own self.

If you don't own a car, you haven't experienced the joy and thrill associated with it. Just holding the steering gives a great adrenaline rush. If you want to buy a car in Oregon, there are plenty of options.

Don't restrict yourself to new cars. Pre-owned cars can also serve your purpose. Don't worry about buying a lemon. Oregon DMV now requires the manufacturer to add "Lemon Law Buyback" to the title. So, by looking at the title you will be able to learn about the car's history.

There is another incentive for buying a used car. As the year is approaching its end, dealers would be more interested in achieving their sales target. It is the right time to buy a used car. You will get several discounts and incentives.

Information Leads to Perfection

You must remember that buying a car is a major decision. Even if you buy a used car, it will be with you for at least 2-3 years. So, it is important that you take time to think about it. You can take a well thought decision only after knowing everything about buying a used car in the Beaver State.

This article will take you through the entire process of buying a used car. Right from budget and finance to registration with the Oregon DMV, you will understand everything. So, let's start with it.

Money - Wise

When it comes to money, it is important that you stay on top of things. First of all, think how much money you can spend on the car. Well, there are used car loans but hardly anyone will offer you money for paying registration fees and insurance. All the collateral expenses will be borne by you. Make arrangements for it and make regular loan payments.

Needs Are the Basic Drive for Car Purchase

The basic work of your car is to take you places. It is important that it does its work effectively. If you live in the hilly region of Cascades, then you definitely need a sturdy SUV. If your home is near the windswept Pacific region, then almost any car would be fine for you. Not only geography, but it is essential that you consider your needs. If you are student, it is important that you consider a low maintenance car. If you have to travel long distances every day, a fuel-efficient car is required.

Efforts in Gaining Knowledge Is Never Wasted

A well - prepared customer wins half the battle. If the seller knows that you are unaware of car buying concepts, he'll take you for a ride (a ride which will definitely include exorbitant prices).

If you want to buy an electric car model, Electrifying Times is an information magazine published in Oregon. Sports Car Market is another magazine in Oregon. You must also take opinion from your family and friends. If you are lucky, you may end up buying a good car from your cousin.

Choosing Your Car - Let your mind do the work

Once you get knowledge about cars, it's time to get out and play your game. Dealers are interested in making profit. So, it is essential that you play your cards right. This is the time to make a rational decision. Let emotions take the back seat.

On the basis of your needs, choose your car. You must never narrow down your search to one. Keep your options open.

Make a choice of 3 or 4 of your favorites cars. Get VIN of each car to know the car history. Avoid car with a salvage title or several accidents.

You must ask your trusted mechanic to inspect the vehicles. Ask him to check for any signs of water and rust. If any vehicle is flooded, it will have moisture in the headlight/tail-light compartment or the engine will be rusted.

Once the mechanic Okays the cars, test drive is essential. You get the best idea when you use it. Pay attention to the car's steering ability and acceleration.

After test driving the cars, you will be able to select the best one. After you make a choice, it's time for registration.

Title and Registration

A dealer in Oregon does the work of submitting title and registration. If you bought your car through a private party, you will have to undertake the process. In any case, knowing the process can make things easier for you.

If you are buying a used car, you must get the car title from the seller. Ask the previous owner to release his interest in car by signing the reverse side of the title. The seller will write your name and address, date of sale, sales price on it. Ensure that the information is accurate.

He will also have to sign the Bill of Sale (Form 735-501). It is mandatory for the seller to notify the DMV about the sale within 10 days from the date of sale. As a buyer, it is your responsibility to apply for a title within 30 days of purchase. If you don't do so, you will be charged a late title transfer fee. The fee is $ 25 (31- 60 days). After 60 days, you will be charged $ 50.

See that the Lien Release (Form 735-524) form is duly filled.

After you receive these documents from the seller, you will have to fill the Application for Title and Registration (Form 735-226). If you are renewing your old license plates, give insurance information. The title fees are $77. It is important to carry cash or check as DMV doesn't accept debit or credit cards.

There are some conditions if you are renewing your license plates and you live in Portland or Rogue Valley (Medford) area, or if you are trying to register a car with no Oregon registration. It is essential that you pass Department of Environmental Quality (DEQ) inspection. The requirement is as follows:

1. Portland - 1975 models and newer require testing

2. Medford - 20 years old and newer models must be tested.

You will have to undergo the tests even if your vehicle runs on alternative fuels and hybrids. If you decide on choosing a specialty plate, you will have to mention the name in the "Remarks" section.

If you want to transfer the old plates, you can do that. Your license plate should be one that the DMV still issues. Also, it can be transferred to same vehicle type only. The State DMV charges $6 as transfer fee.

Once the DMV headquarters receive your applications and documents, your plates will be mailed to you in 5-10 business days. You will receive car title in about three to five weeks.

So, that's how you can go from walking on two to cruising on four. Buying a car in Oregon is simple and easy.

So, when are you going to change from tiring walks to comfortable cars?

Change is good when it is affordable. Your car buying experience will be pleasurable when you get the most reasonable auto loans online. No longer a dream, low-interest rates are a reality with RapidCarLoans.Net. Apply now for auto financing in Oregon and feel the difference!

All the best for change!


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Thu, Jan 12th - 1:37AM

Oregon Lemon Law - Get Definite Answer to All Your Queries

America is all about speed. Our fast lives and faster cars are a manifestation of our culture. Well, cars have been an important part of this great nation. It is the best way to explore the world-famous cities of America. When it comes to the Beaver State, roads are definitely the most accessible option. Cruising on I-5, you can travel to the state of California. Several State Highways also allow efficient road travel within Oregon.

Many Oregonians have spent their life-savings to get their prefect cars. But, this dream shatters when your car is more in the garage than on the road. Your car dream is brutally mortified when you discover that your car is a lemon.

You can re-live your dream with the help of Oregon Lemon Law which was passed in 1983. This law gives you the right to get a new vehicle or a refund of your car. It has become stronger after the 2009 amendment.

Before you go to the dealer and ask for a refund/replacement, let's understand the State Lemon Law in detail.

In order to claim under "Lemon Law", you must fulfill the following four requirements:

1) Your car must be purchased on or after January 1, 1984. Initially the law covered only those vehicles which were purchased in Oregon. However, things have changed now.

2) It doesn't matter if you are the original owner or a subsequent one, it is important that you purchased the car during express warranty period.

3) Your car must be a "lemon". The Oregon Lemon Law considers it lemon if your car fulfills any of the below mentioned criteria -

i) The manufacturer, its agents, its authorized dealers were unable to repair the same defect even after three attempts.

ii) The car is being repaired for more than 30 days.

iii) There is a serious non-conformity which can cause death or grave injuries to the passengers.

You must understand that the law will not cover any problem if it's related to abuse or neglect of the car. You won't be covered under the law if you carried out some unauthorized alterations.

It is also essential that you notify the problem to the manufacturer within two years or 24,000 miles of purchase (whichever comes first). Before the 2009 amendment, the limit was one year and 12,000 miles.

4) You are obligated to participate in a third-party arbitration program if the manufacturer notifies you about it. The court can award you thrice the amount of damages (not to exceed $ 50,000). This is possible only when the court agrees that the manufacturer acted in bad faith during the arbitration.

If you meet the criteria, you will get a replacement or refund. It will be decided by the manufacturer. The refund will cover the full purchase price including collateral charges such as taxes, registration fees, loan charges, pre-payment penalties and cost of few dealer-installed products. However, he will deduct reasonable allowance for using the car.

How Can You Prove Your Case?

You must have a strong case to fight against the legal team of the manufacturer. Here are few tips to help you with it.

In order to have a fool-proof case, you need to have copies of the following:

i) Repair Invoices and Routine Maintenance Invoices

ii) Purchase Contract

iii) Title

iv) Registration Document

Words Stay For Ever

It is essential that you maintain a logbook. Write down every single detail in it. Along with the repair and maintenance orders, keep a record of letters that you send to the manufacturer or dealer.

Mention every communication with accurate date, time, name and phone number of the person you spoke with.

Note every date and time when the car gave you problem. Also, write the dates when your car wasn't in a working condition or was in the repair shop. Don't forget to write the "mileage in" and "mileage out" when you send the car for repair.

The logbook will ensure that you remember everything and will be useful in proving your point to the manufacturer.

Precaution in the Beginning Means a Happy Ending

For New Cars

The State has enacted a strong law to protect your rights but a court case is often time-consuming. So, make sure you don't buy a lemon.

Whenever you set out to buy a new car, do a thorough research. Read articles on web. Car experts give reviews on all car models. By researching, you will know the pros and cons of the car.

You must also check the auto recall lists. If the vehicle model was recalled for a defect, there is no point in buying it.

For Used Cars

The Oldest Trick in the Book

Odometer tampering continues to be a major problem. The National Highway Traffic Safety Administration website mentions that more than 4,50,000 vehicles are sold each year with odometer rollbacks. It also stated that the false readings cost more than $1 billion dollars annually.

You can avoid the fraud by checking the vehicle's history. It will give you information about accidents, theft, previous owners, etc.

You must know that a car tire can run approx for 60,000 miles. So if the odometer reads 18,000 miles but the tires seem old and worn out, it's time to say good bye to that car. Also check the engine and car interiors. Service reminder stickers, warranty cards, etc. will give you an idea about the actual readings.

What Does The Title Say?

According to the 2009 amendment (SB 515), the DMV now requires the manufacturer to add "Lemon Law Buyback" to the title and vehicle record when he repurchases the car. This means you will know if the dealer is trying to sell a lemon.

Avoid Flood-Damaged Cars

Inspect the vehicle for flood damage. Check for dirt and rust in the trunk. Also, a flooded vehicle mostly has moisture in headlight and tail light assembly.

"As Is"

In an "as is" agreement, the dealer doesn't provide any warranty. All that you have is the manufacturer warranty, only if it hasn't expired. Buying an "as is" car means the dealer won't take responsibility if it ceases to work. Avoid such cars.

So, this is how you can save yourself from a lemon. If you have made a mistake of buying a lemon, take help of the Oregon State Lemon Law. If you are going to buy a car, make sure you stay away from the "sour" experience.

Be alert to truly enjoy the "sweetness" of driving your dream car!

When you buy a car, you try hard to save yourself from a “sour” experience. But, it can become “bitter” by highly unaffordable auto loans. Apply online on RapidCarLoans.Net for auto loans in Oregon and avail the most competitive car financing options. Apply and enjoy a “sweet” car buying experience.


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