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Get an auto loan for your Dream Car
By Peter Siu
You’ve probably spent years thinking that your dream car is out of your reach. But have you though about an auto loan ? That car you’ve always wanted could be just within your grasp!
America is a nation of car owners. With over 133 million on the road, that means that there are 1.24 to every house in America! The amazing fact is that over 70% of these vehicles are purchased using some kind of financing.
With a huge range of financing available such as direct or dealer loans, it’s difficult to work out how much you can afford or which is best for you. Follow these top ten tips and you can’t go wrong!
Top Ten Tips – Getting the right auto loan for you
1. Before anything, check your credit rating . If you have a credit score <600 you may have to finance your car purchase. These car loans will have higher interest rates but if you keep up your repayments you will increase your credit rating. Eventually you’ll be able to refinance your car loan at a better interest rate.
2. Spend time researching just how much your dream car costs. Try finding price comparisons from local dealers, magazines and online. There are bargains out there!
3. Calculate your monthly income minus all your expenditures to determine just how much you can afford on a monthly basis. Stick to this budget or you’ll find the loan repayments tough.
4. Make sure you have enough money for the down payment. Some have varying requirements for this – always check the small print!
5. Don’t just settle for the rate given to you from the manufacturer or the dealer you purchase the car from. They can be extortionate. Even if they do try and attract you with 0% interest rate advertisements, only people with perfect credit ratings actually qualify for these deals.
6. Do your own research and shop around for the best deal for you. Seek advice from banks, credit unions and loan institutions. Also, search online for car loans too. Some of the best rates are available, it can save you lots of time and searching for them is absolutely free.
7. Try to find financing with an affordable monthly repayment that you can pay back in as short a timescale as possible. If you can pay back the loan within three years instead of five, you will save yourself big bucks in the long run.
8. Now you understand what you can afford, is that dream car within your reach? If so - bonus! If the repayments do not fit within your budget seriously reconsider and purchase a vehicle you know you can afford.
9. Once you have found the best deal for you, get pre-approved before you are ready to buy.
10. Be strong when you visit the dealer. Know that they will try and persuade you to take another financing option but just say no. Stick to the loan you found, it can really be tricky when they start talking different terms, and rates of financing.
Peter Siu is a successful freelance writer providing valuable advice for consumers when applying online for credit cards, student credit cards as well as other personal & mortgage loans. You can visit his sites at http://www.uscreditcenter.net and http://www.ukcreditcentre.com - His numerous articles offer moneysaving tips on a number of topics.
Blessings,
Austin C. Davis
The Honest Mechanic
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