Thursday, February 10, 2011

How to Buy a Car With Bad Credit and No Down Payment - It's a Lot Easier Than You Think!

So your credit history is not what it should be but you want to buy a car with bad credit. Every dealer you visit seems to want a big down payment. If you're in the market for a new ride but don't want to deal with a huge down payment, then reading this article will help you to find out how to make this happen. Realistically dealers want a down payment for a couple of reasons:

First because it can help to increase the amount of profit they make on the deal. The second reason is to help to reduce the amount of money needed to have the deal financed through his personal lender. This could potentially have his lender approve your auto loan easier and have the deal go through and make sure the dealer makes a great commission for bringing his lender your business. Depending on the dealer to make the deal happen is usually going to cost you more than you expected.

To buy a car with bad credit doesn't mean you need to use the lender's finance department to get your loan approved. If you believe your local bank will not approve a loan for you with no down payment, then I have some great news for you.

Here's a Secret the Dealer Doesn't Want You to Know:
Dealerships always increase the retail price of all their cars and trucks. We all know this to be true, but what you may not know is they also increase the interest rate in order to increase their commissions on the loans approved through their finance department. It's true! Dealerships will usually like to submit your applications with lenders they often do business with on a regular basis. Their lenders will make an offer for your specific deal for let's say at an 8% interest rate.

Because you're trying to buy a car with bad credit, the dealer knowing this in advance will try to convince you that the offer made by his lender was actually 11% or more depending on how much profit he is looking to make on your deal. Telling you that you have been approved for a higher rate auto loan is no surprise to you; so you may accept this offer and wind up paying thousands more for a car or truck you could have purchased for less money. The dealer gets a bigger commission for his efforts and you wind up paying more in the long run.

Now Here's the Truth No Car Dealer Wants You to Find Out:
You are able to buy a car with bad credit and with no down payment! You'll also be able to find lower interest rates by simply searching for your auto loan online. You'll often get multiple offers in less than 60 seconds and avoid dealing with the marked up rates the dealer's finance department will create in order to increase their commissions. By finding your own auto loan online you can walk into any dealership and pick out the car or truck you truly deserve.

How to Get an Auto Loan Fast, Even With Bad Credit:
Believe it or not, you can get a fast auto loan REGARDLESS of your credit. Visit Best Bad Credit Car Loans to receive FREE quotes from the top 3 auto loan service providers. In fact, you could qualify for a car loan in as little as 24 hours, even if you've been turned down before. Best of all, there is absolutely no obligation whatsoever.

Best of luck!
--Sarah

Article Source: http://EzineArticles.com/?expert=Sarah_Anne_Miller

Saturday, February 5, 2011

Buying a Used Car - 7 Tips To Help You Get The Best Deal

Buying a used car can be one of the biggest financial outlays you are likely to make and therefore you will want to make sure you make the right choice. Carrying out a few basic checks will reduce any risk and potentially save you any unexpected expense. You don't necessarily have to be qualified to carry out the following checks;

1. Unless you are purchasing the vehicle from a registered car sales business the first check that you should make is with a national database such as HPI or Experian, these checks are simple to carry out online and for a small fee and the registration mark of the vehicle you can soon find out if the vehicle is subject to any outstanding finance agreements, stolen or subject to a total loss insurance claim.

2. Check the vehicle service book to ensure that servicing has been carried out at the correct intervals in accordance with the maker's specifications. Vehicles without a proper checkable service history are not worth as much as those that are able to be checked.

3. You should always check the vehicle bodywork for current or previous damage. Current damage will be easier to check for, previous damage will entail examining the paintwork carefully in particular different color shades. Fresh paint is normally a slightly different shade and if noticed could indicate that the vehicle could have sustained accident damage at some point in time.

4. The Engine can be checked for excessive wear by removing the filler cap from the rocker cover whilst the engine is running, check the inside of the filler cap for a milky type sludge substance as this would indicate that there is a problem. There should be no signs of any smoke coming from the rocker cover.

5. On a test drive check that the clutch is not worn to excess, if the clutch pedal travels almost back to its position of rest before the car moves this could indicate wear in the clutch plate or a problem with the cylinder that requires further investigation.

6. Check that the tyres have sufficient tread and that the tread is wearing evenly, if a tyre has more tread on one side than the other this could mean that the tracking or steering geometry needs to be realigned.

7. It is always advisable to ensure that vehicles older than three years have at least six months mot test.

It pays to shop around for the best deal when buying a used car, there are so many different makes and models available to choose from and so you should find what you are looking for without the need to pay more than the going rate. You will find many online sources to obtain a valuation on all makes, models and mileage. Remember if a vehicle has covered more than average mileage it is worth less than identical models with less than average mileage. The average is between 12 and 14 thousand miles per annum.

Buying a used car is an important decision to make. Feel free to visit http://www.carsaleslocal.co.uk/ where you can get more tips and advice about buying a used car and Local Car Sales in the UK.

Article Source: http://EzineArticles.com/?expert=Jack_Cammell

Tuesday, February 1, 2011

Which Car Cover Should I Buy?

Knowing which car cover to go for is not a simple task. In fact it could be quite hard. When searching online for car covers, loads of different types come up and it can be more than difficult to work out which one to choose.

The way to select a cover is by playing skittles with yourself; by process of elimination. You will need to ask yourself the following questions and according to the answers, which are obviously different for every single person, you will be able to select the ultimate car cover.

Where do you store your car?
Is the very first question to ask. Some keep their cars in garages whilst others will keep them parked on the streets or in driveways, namely outdoors. Either way you will need a cover, but completely different types. Indoor car covers do not need any sort of fancy protection like highly waterproof etc, and therefore are a totally different type altogether. Indoor covers also work out a lot cheaper as the protection offered is much simpler.

What climate do you live in? What are the weather conditions?
Outdoor car covers vary. Not everyone lives in the same sort of climate conditions and therefore there is no one cover that will do for everyone. Some need heavy waterproof protection, whilst others need to focus on resisting ultra violet rays. Every area has their own sort of climate, and needs a different cover with various combinations of protection.

This is why the choice of car covers is so large. However, to work out which one you need, you need to work out what sort of protection you need to focus on, and from there you will be able to determine which cover to go for.

How big is your budget?
Once you have seen what covers are even an option for you, you get to see the price range and therefore can decide, based on that, what your budget is. You do not need to spend the a fortune on car covers. Quite the opposite; there are plenty of cheap, but quality covers available. You can also make things less expensive for yourself by cutting down on some things, for example sizing.

Covers come in three sizes, ascending in fit and price; universal, semi custom and custom. Universal will fit onto any car. The semi custom is designed and made to fit a selection of car that are similar in shape and size. Custom is made uniquely for the car in question. It is said that the custom cover is able to provide the protection offered, at the maximum level. However, as the one paying out, it will be up to you to decide whether it is worth it.

Find The Perfect Car Cover For You Online At Unbeatable Prices. Visit http://www.thecarcover.com/ And Be Amazed With The Selection! Special Holiday Prices Online Now!

Article Source: http://EzineArticles.com/?expert=Basya_Katz