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Answers
I have a fico score of 681 and want to get a loan for 10500. I want to know who has the lowest intrest rate for me without applying and lowering my score! Can anyone help me on this?
Depends on many variables such as the age of the vehicle,the blue book value,what state you live in among a whole host of other issues.Someone someplace HAS to pull your credit report.You cannot get around that.Just make sure that you deal with a reputable organization and not a place like "Joe'S AUTO SALES" A new car franchise has the financial clout to get you the best rates after all they send 200+ deals a month to the banks where you only want 1 loan every few years.
I've bookmarked this site...
http://www.123thebest.info/go.php?link=auto
Hope that helps.
autoloans1.info Bad Credit Auto Loans,Auto Loan Insurance,Auto Car Loan,Auto Loan Refinancing,Used Auto Loan,Auto Loan Quotes,Auto Loan Interest ...
What are the requirements that would allow someone to be approved for a bank of america used auto loan as far as model year, income, credit score, etc?
I plan on purchasing a used car from a local dealer, and go shopping at several car dealerships. What is, in your experience, a reasonable, most used interest rate for the auto loan financed through the dealership?
I found an offer for 7.something%, but that was through my bank/credit union. Seriously, though, see if you can just pay for it outright and use that as leverage in negotiating a lower price. Most won't want to budge from Kelley Blue Book value for dealerships and STILL tack on fees to sell it to you. See if you can haggle the APR the purchase price. See if there's a prepayment penalty and, if not, pay more than what's due so that you can be done with the debt earlier and pay less in interest overall. (This is part of why a large down payment is a good option.) Good luck!
I am about to buy a 2003 Honda Civic from my uncle for approximately $10,000. I had intentions of putting down 5,000 or 6,500 dollars (depending on what I sell my current car for) and take out a small auto loan for the remaing 3,500 or 5,000 for about 36 months.
The rates I am finding are not as good as I would have hoped, through no fault of my own. I am 24 and haven't done anything that would have given me bad credit. I pay back all my bills and whatnot.
Am I better off just buying the car outright (I can afford it) or taking out a loan for the sake of taking out a loan. I've heard a few times that a small loan really helps your credit.
So put down 5,000, take out the 5,000 loan amount, put 5,000 in a savings account and let the loan cycle? What does that mean.
Auto finance is what I do for a living and auto loans take 6-months of payments made as agreed to be rated.
Your credit will be helped the best after 12-payments made as agreed. This is the first thing lenders look for when they are looking at a application for credit.
I would agree with PJ except for the amount of payments you should make. I would make at least 12, and make sure whatever lender you use that they report to all three credit bureaus or you are wasting your time.
I paid a bit over bluebook value for my used truck because it was in exceptionally good shape and I don't have the credit to be picky. I would like to refinance in a year, but I'm concerned that the banks won't refinance me because of the value of the truck vs. the amount of the loan. Can anyone give me some advice?
Next year when you go to try to refinance, the bank will look at the Retail Loan Value of your truck, not Blue Book. If the 'loan-to-value' is acceptable, they might approve the loan. If not, they might require a down payment. Good luck.
I just got a new job 2 months ago. I know most lending institutions require employment of at least 3 months.I also have been working at a part time job for about 2 yrs now. Does any of this count?
Go to a buy here pay here place they will Charge you more for the car. But they will finance anyone I know a guy who has very bad credit and they financed him but he was paying $300 a month for a vehicle. If you miss one payment though they will repo the vehicle.
A comparison to whats available is good too..
http://www.surveyland.org/jump.php?link=auto
All the best to you.
Used-car mart finds traction as banks open loan tap Daily News & Analysis
Banks had stopped lending to this segment following the financial crisis of 2008. The way things stood, many borrowers were defaulting on repayments and banks that repossessed cars from defaulters were finding it difficult to sell these cars and recover their money as the car valuations had dropped significantly.
However, thanks to the increased activity of organised used-car dealers such as First Choice (Mahindra & Mahindra), True Value (Maruti), Infinity Cars (BMW), Honda Auto Terrace, Fortune Cars (Tata Motors) etc, banks are looking to step up lending to the segment again.
"We are bullish on the used car loans space. The category has become a lot more institutionalised, as against a dealer here and a dealer there earlier," says Pralay Mondal, country head - retail assets and credit cards at HDFC Bank.
The bank, which claims to have around 37% share of the total car loans market, is working on a couple of tie-ups for used-car loans, Mondal says.
Going by dealers, non-banking finance companies such as Shriram City Union Finance, Kotak Mahindra Prime and Family Credit are also showing keen interest in this segment.
News
Gettelfinger: Ford Agreement Could Be Used at GM, Chrysler FOXBusiness- Feb 25, 2009
AFPGettelfinger: Ford Agreement Could Be Used at GM, ChryslerFOXBusinessHe added that the auto companies had been unfairly chastised by the public for going to Congress for emergency loans – saying that the problem in the US auto industry is not a domestic problem but something affecting all countries. Ford workers to vote on contract changes UAW Cuts Health Care Deal With Ford Ford and Union in Accord on Health Care
- Feb 24, 2009
Used Car Dealers Report Higher SalesKAAL, MNShe says people are buying more used cars, and cheaper ones too. This year the hottest cars are some of the cheapest, between $5000 and $8000. People want lower monthly payments and shorter-term car loans. "People don't want to get locked into that- Feb 25, 2009
BBC NewsFACTBOX - Obama agenda includes regulatory and health reformReutersHe said the administration was moving to create a lending fund to help provide auto loans, college loans and small business loans to get borrowing back to normal. * CONFRONT HOUSING CRISIS: The president said he had launched a housing plan to help More cash needed to bail out banks: Obama Obama outlines ambitious agenda at joint session of Congress; “day Obama Tackles Economy, Lending in Speech to Congress
- Feb 23, 2009
AutoLoanDaily.comLenders Use TARP Funds to Give Out More Car LoansAutoLoanDaily.com, FLCongress reportedly accused lenders of not using the TARP money to offer consumers more loans, reports SubPrime Auto Finance News. According to CNW Research, the average FICO score for consumers who were approved for a used car loan fell to 673,
- Feb 24, 2009
Used cars drive salesHigh Point Enterprise (subscription), NCRay Dyke, general manager at U Ride Auto Sales, a used-car dealership on E. Parris Avenue said the public is opting to take out a $10000 loan for a pre-owned vehicle instead of $25000 for a new car. Inquiries about pre-owned vehicles have gone up about
