Used Car Loans / Credit Tips
Getting the Best Rates on Your Car LoanIf you're about to apply for an auto loan, there's something you should know: Rates offered to you by different lenders may vary not just a little, but a lot. Your understanding of your own credit history, and of how credit-related information is interpreted by lenders, can play a big part in helping you get the best deal possible.With that in mind, here are a few tips that'll help you nab the most favorable auto loan available:
Obtain a copy of your credit report. It's important to know what's on your credit report long before you apply for a car loan. Make sure that the information it contains is accurate. If errors are found, contact the credit bureaus and have them corrected.
Get your credit score. Credit scores are available online from each of the three credit bureaus: Trans Union, Experian and Equifax. The credit bureaus charge a small fee for allowing you to access your score, but it's well worth it; knowing your score provides you with information that could save you a lot of money in interest charges.
Target prime lenders first. It's best to try to obtain credit from a prime lender, since the rates offered by these grantors will tend to be dramatically lower than those offered in the subprime category. Different lenders have different ways of evaluating your score; never assume that you're subprime just because your score isn't perfect. If you're a member of a credit union, it may suit you to get your loan from them, since their rates tend to be lower.
Investigate the tiers. Speak with loan officers at the banks you're considering regarding their credit tiers (usually rated as A, A-, etc.) and how they correspond with credit scores and interest rates. Get copies of the appropriate matrices on paper; they'll prove invaluable in helping you get the best deals.
Finally, remember that a cheaper loan is always just around the corner. If your credit is such that you're forced to pay higher rates on your auto loan, take heart; timely payments on your loan, and careful attention paid to the overall state of your credit, can help vault you to prime status in as few as two or three years. At that point, you'll be in a position to refinance at a cheaper rate.
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Inexpensive portable navigation systems and even cheaper smartphone nav applications are making the pricey in-dash systems offered by automakers less attractive to many consumers. But some people prefer in-dash systems because of their larger screens and because they offer more features. Plus, you never have to worry about forgetting an in-dash system at home. Finally, prices for in-dash systems are starting to drop.
Bluetooth is a wireless technology that allows two compatible devices to communicate. In the car, it lets you operate a mobile phone "hands-free," meaning you don't have to hold the device while making or taking a call or performing such functions as accessing the phone's address book. (Of course, you have to use your hands to operate certain Bluetooth features via the vehicle's controls.)
Automotive sound systems are more complex now that portable media players, hard-disk drives and smartphones are along for the ride. But the basic radio/speaker setup hasn't drastically changed, even though more speakers and more amplifier power have been added over the years.
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Sales of Ford vehicles increased 13.3 percent in June compared to the same month last year, and the gain was largely spurred by a strong showing by the carmaker’s Super Duty pickup trucks.
Responsible consumers tend to have all their affairs in order – a steady income, plenty of savings and perhaps even an investment or two on the side. While these things are all positive, they ultimately won't get you approved for an auto loan – for that, you need credit.
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There are certain people who seem to have X-ray vision, who can look at a business and see things that are invisible to other people. I bring this up because I have a friend who spotted something about used cars that I have never heard addressed by anyone else.
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