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There are NO obligations at all you have nothing to lose except HIGH interest. 1. If you dont know your credit score, you might want to find out first. If you have a credit score <600 you may have to finance your car purchase using a bad credit car loan. These 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 repayments tough. 4. Make sure you have enough money for the down payment. 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 extremely high.. 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. Talk to your local bank, credit unions and loan institutions. |
