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Wed, Nov 9th - 9:00PM

Subprime Auto Loan: A Step towards improving your Credit Score

Today, everyone needs a mode of transport to commute comfortably. And, cars have become a necessity to commute from home to work. But when you step out to buy a car, you will realize that it is easy to make a purchase with an excellent credit score. But, what if you have a bad credit score? Or, what if you are a first time buyer with zero credit score? Do not worry. You can still buy a car and improve your credit score with subprime auto loan. It is an effective way to begin the credit rebuilding process.
Subprime Auto Financing - Start Improving your Credit Score

Everyone Cannot Fit into the Prime Category

Prime borrowers are people with excellent credit scores. They are likely to pay off their dues on time. So, lenders prefer to work with them and do not hesitate in providing them with low interest rates and flexible loan terms.

Everyone wants to enjoy the benefits available to a prime borrower but it is not an option for bad credit car buyers. subprime auto loan is available for those people who have bad credit scores or zero credit scores. The loan provides you with an easy way of improving your credit score.

Work Hard Today, Reap Benefits Tomorrow

As you are a subprime car buyer, you may find it difficult to obtain an auto loan. But with a subprime auto loan, your credit score cannot stop you from buying a car. In addition, you will get an opportunity to improve your credit score by making timely payments. Consider these points before you apply for the loan:

1. Save Money for a Down Payment

It may be difficult for you to arrange money for a down payment. But, you can ask a friend or a relative to help you with it. It is essential because it will reduce the loan amount and enable you to lower the interest amount as well. There are additional benefits of a higher down payment such as obtaining better interest rates and ensuring higher chances of approval.

2. Read between the Lines

There may be some understated clauses in the loan agreement. It is wise to read the agreement with caution. Clarify the terms and conditions with the lender. And before finalizing the deal, make sure that you are well-versed with the agreement.

3. Be Flexible

Pick out the right car that suits your budget. As you are a subprime car buyer, you may have to settle for a low-priced car. It is essential to choose a cheap car. It is because a lender is likely to approve a car for which you can afford monthly payments. So being flexible in choosing the car will help you in easing the loan process.

4. Be Regular

Keep a healthy habit of making the payments on time. The timely payments will look good on your credit report. It is a great way of buying a car and improving your credit score at the same time.

When your credit score is not good, you may be turned down for an auto loan. But donít worry because subprime auto loan is there to help you out. Remember that you can drive down the road of credit recovery with the help of the loan.

Apply for subprime auto loan with RapidCarLoans.net and get ready to enjoy a quick financing process. Get in touch with the guaranteed auto loan specialist today.



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Sun, Nov 6th - 9:31PM

Auto Loans with Bankruptcy: Where there is a will, there is a way

There is no better time than now to fulfill your dream.

If buying a car is your dream, do not let anything ruin it. A financial problem such as bankruptcy cannot keep you from becoming a proud owner of your favorite car. Buying a car with bankruptcy can be a challenging task but it is not an impossible one. All you need to do is be wise and patient in making decisions.

When it comes to tackling a financial issue, every detail is important. Not every situation is the same. Remember that approval chances are different for different bankruptcy situations. So, consider your situation before visiting a lenderís office.

On-going Bankruptcy

It means that the bankruptcy process is not over. If you want to opt for an auto loan during bankruptcy, lenders will shy away from you. As you have not discharged your current legal obligations, they will not approve your loan request easily.

Discharged Bankruptcy

It means that you have paid your dues and finished the bankruptcy process successfully. Once you come out of a bankruptcy situation, you will find that there are many lenders who are ready to approve your loan request. But, remember that the interest rates will be high because of your damaged credit score. So, it is wise to go through all the paperwork and consider all the factors before signing the dotted line.

Dismissed Bankruptcy

If the bankruptcy court dismisses your case, the creditors are free to approach you for collection of their dues. If your plea is rejected by the judge, it becomes difficult for you to get an approval for the auto loan. But, all is not lost. A BHPH dealer can help you in buying a car. He will consider your job stability and income to make a decision. If you are able to support the auto loan payments, he will approve your loan request.

Donít wait for Things to happen

Buying a Car with Bankruptcy: Donít wait Anymore

Do not worry if your financial situation has landed you in a bankruptcy court. It doesnít mean that you should put brakes on your car buying dream. If you have a good track record of paying loans, you stand a chance of getting an auto loan after bankruptcy. Hereís how you can improve your approval chances:

Look for Better Interest Rates

Lenders are likely to provide you with high interest rates and lengthy loan terms to keep the monthly payments low. And when you are financially weak, you will believe everything that the lenders tell you. But, do not agree with any lender before searching for better interest rates in the market.

Shop with Care

Though it is difficult to get an approval for the auto loan after discharging bankruptcy, it is not impossible. Do your part of research for the available options. Be clear about your situation with the lenders. Remember that your honesty can become an important reason for getting an auto loan.

Approach a co-signer

Buying a car with bankruptcy is difficult, but a co-signer can help you with it. A co-signer is responsible for making payment towards the auto loan. With a co-signer by your side, you donít need to worry about anything. His credit rating will improve your chances of getting a quick approval.

A bankruptcy may make you feel weak. But, it cannot stop you from buying a car. Conduct thorough research before making a decision. Remember that a strong will to buy a car will result in guaranteed success.

Buying a car with bankruptcy is not an impossible task. RapidCarLoans.net is an expert at low-rate auto financing with bad credit. Consult the company for obtaining rapid car loans after bankruptcy.


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Sat, Oct 22nd - 5:42AM

A Stepwise Guide on Selling Your Car in Virginia

Selling a car is a long process. With a million things to take care of, it can often become a tedious task. Therefore, it is imperative to keep in mind the various steps in the process of car selling.


Tips on Selling A Car in Virginia

The state of Virginia has specific rules which need to be adhered to while selling your car. As Virginia is the 12th most populous state, amongst the 50 states of America, the number of car buyers is huge. But, do not worry about making a successful sale. With the following stepwise guide, you will be able to make the most of the car selling process in Virginia.

How to sell a car in Virginia?

1. Title Transfer


Title Transfer - Visit Virginia DMV

The primary step is the transfer of the title to the buyer. In order to move ahead with the title transfer, you will need to provide the required details and obtain a title certificate. The laws of Virginia require you to provide details of the buyerís name and address. You will have to provide an odometer reading and the sales price of the car. Also, make sure that the buyer provides the required details for the successful completion of the title transfer.

2. Remove your License Plates


Remove your License Plates

Prior to handing over the car to the buyer, remove your license plates. Once you have removed your license plates, you can either transfer them to another car or return them to the Department of Motor Vehicles of Virginia. You can obtain a refund in case the registration on your license plates has not expired and the plates are valid for another 6 months or more. In order to obtain a refund, you will have to inform the Department of Motor Vehicles of Virginia about the inactivation of the license plates and fill in the Application for Vehicle Registration Refund form FMS 210, respectively.

3. Notify your Insurance Company of the Transaction


Notify your Insurance Company of the Transaction

After selling your car, you should inform your insurance company about the sale. In case you are thinking of another purchase, you can transfer the liability coverage to the new car. Before cancelling the liability coverage, make it a point to inform the Department of Vehicle Motors of Virginia in order to avoid any confusion. If the insurance company cancels your policy and the Department of Motors Vehicle of Virginia has records that you own the car, your driverís license will be at risk. Therefore, inform the Department of Motor Vehicles of Virginia and your insurance company about the sale of your car.

Selling your car in Virginia can be a time-consuming process. However, the above stepwise guide can surely come to your aid while selling your car.

Rapid Car Loans helps you to make a quick car purchase with instant approval on bad credit auto financing in Virginia. Contact the company for guaranteed approval on bad credit auto loans in Virginia Beach City, Arlington, Richmond, Newport News and other cities of Virginia.


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Mon, Oct 3rd - 12:43AM

New Car: A New Lease on Life

Do your children complain about space in the car? Is it a headache for you to go shopping in the car? Does it require maintenance every couple of months? If you are unhappy with your car, the answer is simple. Buy a new car because it will put an end to all your worries. Also, you will be able to opt for a better lifestyle and a higher level of comfort.


New Car: A New Lease on Life

Here are some of the points, carefully sorted out for you, to understand why buying a new car will give a new lease on life:

1. Style and Status

Your car represents your status in the society. And the type of car that you choose, decides your taste of luxury. It is also important that the car must project your status efficiently. For example it would look very odd if a business magnate uses an old pickup truck.

If you want to project a successful image, you must buy a new car that uplifts your status.

2. Upgrade to New Features

Do you remember the early robots from the old movies? Now, compare them to the present-day transformers. The same change is visible in cars. Auto manufacturing companies provide unique and innovative features every day. And, your old car may lack a few of them. So, if you want to enjoy new features and better comfort, buy a new car.

3. Keep a Check on Pollution

'Nothing lasts forever' and the same applies to your car engine. All the car engines come with a calculated life span. After certain years of use, the depreciation rate of the engine accelerates and you may face problems with it. The engine may start emitting CO (Carbon mono oxide), CO2 (Carbon di-oxide) and other harmful pollutants. It will affect the environment and increase pollution. If your car has an engine that emits pollutants, it is time to change it.

4. Easy Auto Loans

Thanks to lenders, getting rapid car loan approval is not difficult. If you want to buy a new car with the help of an auto loan, consider the following simple tasks:

  • Submit your documents to the lender,
  • Provide references of your employers to the lender,
  • Submit your bank information for scrutiny,
  • Provide information of your previous loans.

Once the lender analyzes your loan application and other documents, he will approve you for an auto loan. Remember that you can apply for guaranteed auto loans. It means the lender will deposit the loan amount in your bank within a couple of hours of the approval.

5. A Car saves your Valuable Time

Reaching any destination via public transport is accomplishing a major task because it involves adjusting with a large crowd. Moreover, it requires careful planning and conscious efforts as you have to consider several unexpected delays. If you want to avoid the problems that come with public transport, buy a new car. It will save your time and efforts. And, you will be able to reach your destination on time.

6. Leave behind the Maintenance Cost

Every mechanical part has a limited life. And, as every mechanical part of your car is subjected to wear and tear, it requires maintenance in the form of repair or replacement. But, if the maintenance cost overtakes the operation cost of the car, you must replace it. It is because you cannot afford to waste money on a car which requires more maintenance and delivers less.

7. Suits your family

Time changes! When you were in college, a two-seater sports car was sufficient. But, the same car may not fulfill your family needs. You must change your car as the requirements change. If your car doesnít serve your purpose, do not keep it as a souvenir. Buy a new one.

8. Higher Resale Value

Today, the resale value of a used car is high. It means you can enjoy a good return on your old car. You will get a decent amount on exchanging your old car for a new vehicle. So, why donít you buy a new car and provide comfort to your family?

Stop adjusting in an old car and start thinking of buying a new car. It will definitely give you and your family a new lease on life. So donít hesitate in taking a step to a new world of luxury.

When it comes to buying a new car, do not let your bad credit history ruin your dream. Connect with RapidCarLoans.net to enjoy guaranteed auto loan approval. Apply now for bad credit new car loans and bring home the car of your dreams.


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Fri, Sep 23rd - 6:04AM

Pre-Owned Car: A Smart Option for Smart Car Buyers

Who doesn't want to own a brand new luxurious car? But, amidst the current economic turmoil, it isn't easy for everyone to buy a new model. It is the reason why smart buyers tend to choose a pre-owned car.


Buying a Pre-owned Car is a Smart Option

It is known that Americans adopt a smarter approach for buying things. And, a pre-owned car is a smart option. According to a report by Manheim, Americans purchased more than 42 million pre-owned cars in 2014. It is 2.5 times more than the number of new models sold in the same year.


Benefits of Buying a Pre-Owned Car

Buyers opt for pre-owned cars because they are cheap and provide a great return on selling. There are several other reasons why you must buy one.

Light on Pocket

Will you spend your entire savings on a brand new model that will be used for office only? Of course, no! Today, people choose the smart way because they cannot afford to make wrong decisions. And without a doubt, the smartest way is buying a pre-owned car. It would only take a part of your savings in the form of upfront payment and ensure that you are left with sufficient cash in your pocket.

Best for Practice

It is difficult for new drivers to drive through heavy traffic. And you must have heard stories about how your friend or neighbor scratched his new vehicle while parking.

A pre-owned car is no less than a boon for new drivers. You need not worry about scratches or dents with an old model. Just practice with it and when you feel that you have become an experienced driver, sell it to buy a brand new one.

The Cheapest Option

It is the cheapest option for becoming a vehicle owner. If you are willing to make a purchase with a low budget, it is the most advisable option for you. And, as the price of the car will be low, you will have to make a smaller down payment to the dealer. It also means you will have to make smaller monthly payments towards the auto loan.

No Insurance Issues

Earlier, people were reluctant to choose a pre-owned car. One of the reasons was the resistance from the insurance companies. But now, insurance companies have become robust and they have no problem in insuring different types of vehicles. Today, they are ready to insure anything. One of the examples is of America Ferrera. She was able to buy insurance for her smile from one of the insurance companies without any trouble.

More Choices to make

With a low budget, it is always difficult to buy things. And, when it comes to buying a new car, you will only have a couple of models that are available within your budget. But, if you opt for a pre-owned car, you will get numerous models to choose from.

A Small Investment

When people spend too much money on a brand new model, they are stuck with it for years. It is because they do not have any money to spend on anything else. But, if you buy a pre-owned car, you can sell it anytime you want. You won't feel stuck with your car for years. Once you complete your loan payments, you'll be free to sell it or exchange it with a new one.

"A nice decision may not be wise, but a wise decision is always nice."

A brand new model may be a stylish option, but it is not an advisable option. Instead choose a pre-owned car that fulfills your basic requirements and become a smart buyer. Remember that if you select the smart option, you will have a reliable model in your budget. Moreover, you can avoid exploiting your savings on a single thing.

Have you selected a pre-owned car? Or are you in the process of finalizing a car model? It is necessary to initiate the process for obtaining bad credit pre-owned car loan as early as possible. Apply with RapidCarLoans to obtain bad credit pre-approved auto financing at the click of mouse.


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