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Thu, Nov 28th - 1:23AM

Get a Car Loan Today Ė Gift yourself a Car this Christmas

Holiday season is here! You may have a long list of errands to run and gifts to shop. Wouldnít a car be helpful in all this? During holidays, people put car buying on the back burner. But, if you are planning to buy an automobile, there cannot be a better time than now.


Loan rates are extremely Low

Car loans are available at throwaway rates. This is ideal for any auto buyer who wants to get the best auto financing deal. It is important to apply for a loan now because the rates may not be low forever. The debt cushion is available till February 7 only. And, the way the things are going, there does not seem to be permanent solution to the debt problem. There are higher chances of investors losing confidence in the U.S. economy. This will push rates higher because investors will start demanding more for their money. So, it is best to avail credit now.

Cars at Great Rates

In the New Year, several car manufacturers introduce new models. To make way for the new ones, auto dealers sell 2012 new cars at reduced prices. This makes buying a brand new car very easy.

It is not a problem if you want a used car. Salesmen working for auto dealers want to clock-in more sales at the end of the year to meet targets. This will ensure that you get a good deal on a pre-owned automobile.


Set a Limit

Christmas and holidays turn smart shoppers into impulsive buyers. So, a budget is very important this time of the year. Understand your financial situation and set aside an amount for the car. Do consider the expenses of the pending holiday celebrations. Also, factor in other future costs like college fees, wedding, etc.

Know the Real Score

You may have checked your credit score a few months back. But, you cannot rely on an older credit score. Changes in credit score occur after every credit transaction and payment. So, get your current credit ratings. It will give you an idea of the rates that you will receive.

Check the Car

In a hurry to increase their sales number, salesmen may sell you a lemon. So, choose the car wisely. Donít forget to take the car for test-drive. If you are going for a used car, look for a clean title. Also, ask your trusted mechanic to take a look at the car.

Apply for a Car Loan

There are several online auto financing companies that ensure easy car loan process. You just have to fill the simple auto loan application form and submit it online. Once you are approved, the companyís representative will contact you.

Remember to check the reputation of the company. You can contact the company and discuss your apprehensions before submitting the loan request.

Check the APR because it is a better platform to compare rates than monthly payments. Donít choose a car loan with low monthly payments and a longer term. If you choose one, you will have to pay more because large amount of interest will accumulate.

You have to be diligent while buying a car. So, donít make an impulsive purchase. Use this car financing guide to guide you.

Enjoy your holidays with your new car!

When car buyers want to avail the best auto financing program, they trust EZ Auto Finance. Apply now to get low rates. Bad credit no money down auto loans are available in your city. Enjoy your Christmas with an affordable car loan today!

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Wed, Oct 30th - 3:03AM

How to get Approved for a Car Loan that offers Value for Money?

Car loans have become extremely economical in this economy. Even, bad credit borrowers and people with bankruptcy are able to get low rates on car financing. But, remember thereís no such thing as a free lunch. Just because things are available easily, it doesnít mean that they are good for you. Even if auto loans can be accessed at affordable rates, you must opt for them only when you can afford them.

Choosing a Good Car Loan that offers Best Value for your Money

Whenever you want to get a good car loan thatís absolutely perfect for you, you must understand the entire car financing process. It is important to pay attention to the process because it can make or mar your credit score.

Work on a Budget

Itís important that you work hard on a budget so that you donít have to work hard on your monthly payments. Preparing a budget is very important because it will successfully distract you from destructive loan programs. Know your income and expenses for future months so that you can deduce the ease in making loan payments.

Also, you must keep your documents ready. If you have your income and employment details with you, the lender will be able to judge your car loan request quickly.

Down Payment to knock-down the Price

Down payment is the essential ingredient for car financing success. When you put money down, your total loan cost reduces. This means you have to pay lesser in terms of interest. So, get together at least 10% of car price as down payment.

There are other ways of making a down payment if you are short of cash. You can trade-in your old car for a new one. You can even ask the dealer to use your rebates as down payment. This way you will be able to make down payment without spending any of your money.

A Used Car as your Car

When you want to save money on car loans, you have to reduce the loan amount. And, what better way of reducing the loan cost than a used car. You can get a reliable pre-owned automobile for just $10,000. This is extremely low when compared to new cars that are available for more than $30,000.

Making the Decision

To choose an ideal car loan, analyze the loan quotes critically. Donít just concentrate on the monthly payments. There are loan terms that offer lowest monthly payments but are excruciatingly longer. You donít want to choose such loans because they increase chances of upside down.

Take a look at the APR. It manifests the real yearly cost of your loan after taking into consideration all the fees. It shows a better picture than monthly payments. Also, check for miscellaneous things like penalties and fees, payment schedule, etc. It will help you to select the loan thatís best for you.

So, thatís how you can get a bigger bang for your buck. Donít forget these great pointers when you start shopping for a good car loan. started offering low rate auto loans in 2008. Since then, the company has helped 134,791 buyers in fulfilling their car dreams. Become a part of large group happy customers by availing instant auto loan approval. Apply now for the ideal auto financing program!

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Mon, Apr 15th - 10:49PM

Get the BEST Auto Loan Program for your Very 1st Car

Who doesnít love to own a car? Itís a threshold of the Great American dream. If you are buying an automobile for the first time, it becomes all the more exciting. You will always remember your first car because it will give you the sense of immense freedom.

When you buy a car, an auto loan is very obvious in these expensive times. Most first time car buyers face the problem of getting auto loans. This is because of lack of knowledge and understanding of the car financing world. But, this article will make your car loan journey very EASY.

Pos sible Problems while Searching for a First Time Car Loan

No Credit History

Many first time buyers are very young and often have no credit history. This creates a problem because lenders are not able to judge their credit worthiness. Although, a clean slate is better than a stained one, lenders still consider zero credit a risky factor.

Bad Credit Score

There are many people with bad credit score who will need an auto loan to buy their first car. Having a bad credit history means you had trouble in making payments in past, even if it wasnít a car loan. Lenders do consider this as a problem while approving your loan.

Low Income

First time buyers usually have low income which is a problem in getting an auto loan. Lenders avoid car buyers who earn lower wages. They have quite simple logic behind it as low income often creates trouble in making regular payments.

Simple solutions for Securing 1st Time Car Buyerís Program

Income and Employment Proof

Even if you have no credit score or bad credit history; its effect can be nullified by having a good job. Produce copies of recent pay stubs and get an Employment Verification Letter from your employer. If you are self-employed and have a business, then your IT Returns will be required.

If you have low income, convince the lender that low income is better than irregular income. Also, provide your debt-to-income ratio and show him that you are capable of paying off your debt on time.

Push Yourself for Down payment

Down payment is essential because it reduces the car loan amount. Also, when the lender sees you putting down such a huge amount, he will overlook your zero credit or bad credit history. So, even if you are not ready for making a down payment, start pushing yourself to save for it.

Catch Up with Co-Signing

Co-signing is a phenomenon which helps everyone in dire need of auto loans. Find someone with a decent credit history to co-sign your first car loan. Make sure that the person is financially sound because the lender will require someone with a stable debt-to-income ratio as a co-signer.

These solutions will help you solve all your troubles and problems. Make sure that you are ready with these things before beginning the search of your first car loan. It will help you to avoid any problems from the very beginning.

So, get ready for your very FIRST car loan with this ultimate EASY auto financing guide. is every first time car buyerís dream. You can get low rate guaranteed auto loans in an instant by filling 100% secure auto loan application form. Apply now for first time auto loans and get an amazing chance of building your credit score.

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Thu, Apr 11th - 3:54AM

Applying Online is the Best Way of Getting Guaranteed Auto Loans in New Jersey

Getting an auto loan in New Jersey is easy when you know how to get the best deal. There are several options with you like dealership financing, lenders, banks and credit union. The most recent addition is of online lenders. Obtaining automobile financing through online lenders can help you to make significant savings. Depending upon your overall credit score, they offer great deals on auto loans in NJ.

Online Auto Financing is the Best Option

Not many people are aware of the fact that arranging vehicle financing is not complicated like it was a decade ago. Today, financing companies operate through their online portals and employ completely transparent methods. They have tie-ups with lenders and dealers. The benefit of such companies is that they help you get a car loan from the lender/dealer of your own locality. This helps you save time and money both.

Zero Interest Loans May not be as Great as they Sound

Zero interest loans may sound attractive to most people looking for auto loans but they are not always the best bet available! This is especially the case when terms and conditions of a zero interest loan in question require you to give up the sizeable rebate. NJ zero interest auto loans are available in large numbers. Most shoppers are confused because they find it hard to fathom that even a zero interest loan cannot save as much as an auto loan with lower interest rate in many cases. So, it is always better to understand the terms well in advance. If you think the loan conditions work for you, you can get the loan.

Work on your Credit Score and Provide Concrete Evidence of Income

Before you go shopping for a New Jersey auto loan or fill out an online application, it is important to check your credit report. Get rid of inaccuracies, if any. If you are planning on paying some unpaid bills in near future, pay them now and have your credit score updated!

Rates offered by lenders are based on various risk factors. While it is better to improve your credit score several weeks in advance, itís not always possible to make quick improvements over a short duration. Submitting definite income related evidences can also assure the lender and thus, help you to get a lower auto loan rate.

The Car Loan Term Is Very Important

A number of people ignore the length of auto loan because they are too eager to get the car keys. Term length can vary from 36 to 72 months. A long term can often leave consumers vulnerable. You may end up paying a lot more than your carís real worth over a long loan term. As a rule of thumb, you should sign up for the shortest loan term you can afford!

Know your credit score, the loan interest rate you qualify for and only then get in touch with an auto financing company to get the best deal. is a trusted and well-known easy bad credit auto financing provider based in New Jersey. At, we work with all types of credit, including consumers who have bad credit, no credit or even bankruptcy. Get in touch to know how our New Jersey auto financing specialists can assist you to get an inexpensive auto loan.

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Tue, Mar 26th - 1:30AM

How to Get Approved for Online Automobile Loans in Indiana?

Getting auto loans in Indiana is not a complicated task even if you are having a bad credit history at the moment. A good credit score and stable monthly income are definitely going to help you avail better rates but an applicant with low monthly income or bad credit history does not have to find rejected car loan applications in her mailbox all the time.

Fewer the Risk Factors, the Better

You should be at least 18 years old to be eligible for an automobile loan in Indiana. Credit score and monthly income are the most common eligibility criteria set by auto loan companies in Indiana. Most auto financing companies would require you to have a minimum monthly income of $1,000. People with bad credit history can apply for Indiana auto loans for poor credit. In the last one year, there should have been no repossessions. However, most auto lenders will consider your car loan application seriously if such repossessions have been included well in a bankruptcy.

Provide Authentic Evidence or Documents When Applying for an Auto Loan

An applicant has to furnish proofs of identify, address and employment along with a copy of the valid driving license to get an automobile loan approved in Indiana. Providing strong and authentic evidence is the first step to gain confidence of the lender.

Choosing an Auto Loan Company Ė Important Considerations

An easy auto financing company in Indiana may or may not cover all sorts of automobiles. Before you finalize your auto finance plans, make sure you have confirmed the make, model etc. with the representative of auto lender.

A reliable auto financing institution should charge no application fees from its customers. Choose a car loan only if the proposed monthly payment is well within your reach. Regularity in making loan payments is very important if you want to keep improving your credit score. Thatís how youíll be able to grab a great deal the next time you plan to buy a car!

Different lenders have different lending criteria. So, it is important that you study the loan terms offered. Do remember to comprehend the auto loan conditions. It will help you to take a wise-decision. Also, compare required down-payment amounts when choosing an auto lender.

Online Car Loans - Apply From the Comfort of Your Home

Earlier, it was a challenging job to find an automobile financing company or to submit a loan application along with the required documents. The process often took several months to complete. Now, most people submit online applications through secure forms. The identity as well as the information pertaining to the customer is kept confidential and secure in the process.

Reduce all risk factors one by one to gain the approval of an auto loan company. Getting a positive nod from online auto lenders in Indiana is easier if you keep in mind the essential pointers. On most occasions, a car loan application gets approved or rejected by an auto finance company simply on the basis of how the concerned official evaluates the associated risks. is a trusted and well-known Indiana auto financing company. We have been offering low rate car loans with zero down payment to all types of borrowers in Indiana. Bad or no credit - worry no more because we are here for you. Apply now and get ready to drive your dream car.

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