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Thu, Nov 1st - 2:23AM

How to Get An Auto Loan for Your Next Car Purchase in Texas?

A new car is every American’s dream. Everyone wants to own that perfect brand new car and Texans are no different. Texas enjoys great geographical diversity which gives a great chance for car owners to explore the Lone Star State.

If you want to buy a car in Texas, a car loan is the basic requirement. This is so because car prices are rising and it is becoming impossible for buyers to make an all-cash deal. When it comes to car loans, getting low interest rates is tough. But, Texans need not be worried about getting great rates because they have several options.

In this article, useful information is provided regarding the choice of car loans. At the end of this article, you will know all about car financing options that will help you take a better decision.

A 3-Step Plan for a New Car Loan in Texas

The first step is to improve your credit worthiness. This can be done by maintaining a good credit score. Making regular payments of your loans, bills and expenses will help you to maintain a good credit history. When you decide to apply for new car loans, you must check your credit score. It will help you in knowing your exact score and won’t leave any chance of error.

The second step is to lay out a strategy to buy the new car. There are plenty of auto dealers in the Lone Star State who will have latest cars in their car lots. In order to avoid any confusion, you must first decide on the car-type. Choose the car according to your needs. If you have a family, a large car is essential. If you have to travel long distances every day, then you must buy a car with high mileage.

The third step is to apply for a car loan. You must not rely on a single lender and apply with many because every lender has different approval criteria. One may offer you high interest rate considering your score as bad. Other lender may provide you great rates. So, it is always essential to apply at several places and do a thorough research. This will ensure that you won’t miss-out on attractive options. You don’t want to lose a money saving opportunity and that’s why it is always better to compare.

When you choose a lender, do not forget to check their websites for client testimonials. It is always better to take help of people who have already availed the services of lender. Once you get all the information, you can straight away choose the right kind of lender to fund your new car.

Once you get approved for an auto loan, go and buy that dream car of yours. It’s time to buy a new car loan and cruise down the Texans Streets in style!

Getting a perfect car loan makes your car buying even more perfect. If you are searching for affordable Texas auto loans, Rapidcarloans.net is your answer. We have wide network of lenders in the Lone Star State who offer guaranteed auto loans to all types of credit borrowers - good or bad. Apply on our website and get the most competitive auto loans.

All the Best!


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Thu, Nov 1st - 2:22AM

Tips for Making Car Buying Easy In Texas

Cars hold such an important place in our lives that no one can ever imagine life without it. It makes our journey beautiful and significantly comfortable. A car is a requirement in a large state like Texas. Also, it has the largest highway systems in the nation which makes car purchase quite obvious.

Buying a car is an important purchase of your life. You need to be very cautious in order to buy a perfect car. This article is your ultimate guide in buying your dream car. Tips and words of caution mentioned here will not let you end up in a sorry state.

Your Needs Are Your Priority

You must not buy a car just because your friends are buying it. You must have a solid reason to do so; otherwise it’s just waste of your precious time and money. If you are a student and need a car to reach college, a simple car with minimum maintenance will serve you. If you have a family, then a wagon with safety equipments is your requirement. If you have an agricultural business, you need a car that can easily transport the produce. So, before deciding on the car, understand your needs.

Money Rules the World

Once you decide on the kind of car, the next is to decide your budget. Your financial ability will decide whether you go for a new car or pre-owned. You will have to decide on getting an auto loan as well. You have many options to get a car loan and internet is the modern choice. There are many online auto lending companies that offer large variety of auto financing options.

Just Because A Chicken Has Wings Doesn’t Mean It Can Fly

Looks can be deceptive and so, a thorough scrutiny is required while selecting a car. Research is very important here. While deciding on a car, read reviews and expert comments. Texas Auto Guide can provide you local news. Cruisin’ Times Magazine will help you with the reviews.

When you are buying a car from a dealer, you must ensure that the car model hasn’t been recalled. Also, compare other car models to be sure of getting the best deal. When you get a used car, ask your trusted mechanic to inspect it. Check the car’s Vehicle History Report for any problem. Get the odometer disclosure statement and don’t forget to test drive.

Making Your Dream Car Your Own

When you buy a car from a local Texan dealer, he will do all the work of getting it titled and registered with the State DMV. The dealer must title the car in your name within 20 working days. The number of days will increase to 45 if he is offering you car loan.

But when you are completing the process of title and registration, you must fill the Application for Texas Certificate of Title (Form 130-U). It will have the seller’s name, his signature and the purchase price on it. Odometer Disclosure is mandatory in most cases. Also, ask him for vehicle registration receipt and release of lien.

Ask the seller to come with you to the county tax office so that he can solve the tax office representative’s doubts, if any. When you are buying a car from a private party, you will have to pay the motor vehicle sales tax (6.25%) on the purchase price or the standard presumptive value, whichever is higher. Other than that, the general title transfer charges and registration fees apply.

Remember to take the proof of liability car insurance to the county tax office because they won’t process your application without it. And, they will only let you apply for title (not registration).

To register your car, you must pay the registration fees. As of September 1, 2011, Texas will charge $50.7 5 for cars and light pick-ups that weigh 6000 pounds or less. If your car weighs between 6001 and 10,000 pounds, then you must pay $54. You will also have to pay a local county fee that ranges from $5 to $11.50.

Don’t forget to undergo annual emissions testing if you live in an emission county.

You get new license plates for a new car. For a used one, you need to transfer it.

If you want to transfer plates from your old car to the new one, your county tax assessor - collector office will help you with it and also issue a new registration sticker without any transfer fee. Here, you can think of buying specialized or vanity plates by paying extra.

Once you are done with all the legalities, you will be provided with the registration receipt. The receipt will have a sticker which should be place on the windshield along with your inspection sticker.

So, that’s how you make that dream car your own. Buying a car can be a great experience when you know that you are buying a flawless car. Don’t forget these useful tips for buying a car in Texas and soon you will be driving your perfect car on the streets of the Lone Star State.

Getting a perfect car loan makes your car buying even more perfect. If you are searching for affordable car loans in Texas, Rapidcarloans.net is your answer. We have wide network of lenders in the Lone Star State who offer loans to all types of credit borrowers - good or bad. Apply on our website and get the most competitive Texas auto financing.


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