| Tuesday, August 7, 2007 |
| Car Loan Dealers |
Getting The Best Auto Loan Rates
By Jay Moncliff
Getting a good auto loan rate is not luck, but rather a skill
that you must learn. There are good auto loan rates available if
you know the tricks of the trade and how to negotiate to get the
best deal for you. Remember, you should not be afraid or nervous
when trying to negotiate your auto loan because you will be
saving yourself money. That should give you the courage to try
and get the best auto loan rate available. Follow these
suggestions as well to guide you in buying a new care and
negotiating your auto loan interest rate.
Auto Loan Tip #1 Buy at the End of the Month
Frequently car dealerships have contests and the winner of the
contest gets a good prize, whether it is monetary or physical.
Generally, theses contests are a month long, so by the end of
the month the salesman are crazy to make a sale regardless the
price. So, you will be able to negotiate a better price on your
vehicle during these types of competitions. The lower the cost
of your vehicle, the better terms you might be able to get for
your auto loan.
Auto Loan Tip #2 Have Good Credit
Now this might seem obvious to you, but everyone is not aware
how their credit will affect their auto loan rate. If you have
great credit, go buy a car whenever you want because you have
grounds to negotiate an auto loan on. If you have bad credit,
work on rebuilding your credit for several months and then try
to get an auto loan. This effort alone will help you in more
areas than just your auto loan rates.
Auto Loan Tip #3 Negotiate Your Auto Loan
When talking to an auto loan lender don’t divulge how much
money you can spend per month on your auto loan. If you throw
out the highest number then this will be the starting point and
exactly what you want to avoid. Instead, negotiate with the
lender, know your limits however and that there are other car
dealers and lenders out there. You never should accept a first
offer without trying to get a better deal.
About the Author: Jay Moncliff is the founder of
http://www.loans-center.info a blog focusing on the latest Auto
Loans news, resources and articles. This site provides detailed
information on auto loans. For more info on loans visit:
http://www.loans-center.info
Source: http://www.isnare.com |
posted by Illusion Technologies @ 3:30 AM   |
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| Tuesday, July 31, 2007 |
| Car Loan Dealers |
Car Finance
By Joseph Kenny
These days when you step into a car showroom, there will be two
major things that the dealer will be offering you. First he will
be offering you cars, and secondly he will be offering you
finance packages. This is how you should look at it. The fact of
the matter is you may probably wouldn’t buy a car from your
bank, even if they started offering them, so you may wish to
apply the same scrutiny to the finance packages available at the
car dealership and choose to buy only you car there and the
finance package elsewhere.
It may be that there is nothing wrong with the finance being
offered at the car dealership and in many cases this will be
true. However, you must be aware that just because you buy your
car there, does not in any way imply that you have to use the
finance options and terms that they are offering. You are always
free to take a loan from somewhere else, such as a bank, and pay
for the car outright, and then simply make the loan repayments
to the bank as with any other loan.
You should be careful to find out exactly how much you are
being charged for car finance. The primary way to calculate the
charge of any credit is by using the APR or annual percentage
rate. This calculates the cost of the loan using a standardised
formula and all lenders must use the same method of calculation.
However, just because a car dealer’s APR looks attractive does
not mean your search is over. You should also, always find out
how much the car would cost if you paid in cash. Remember that
providing a cash discount is exactly the same as charging extra
for credit. If the cash price is lower, then you may be better
off getting the loan from elsewhere and paying for the car with
cash, this will take advantage of the better price and you will
have a smaller amount to pay back to your lender.
The other thing you should look out for is down payments and
closing payments. These are payments that are paid at the
beginning or end of the term of the loan, and while the monthly
payment terms may be attractive, it could well be the case that
there are large additional payments to make and you should not
forget to calculate these in when pricing the finance.
Car finance can be almost as important as the deal you get on
the car itself and you should always regard getting a good deal
on the financing as part of the process of getting a new car.
About the Author: Joseph Kenny is the webmaster of the loan
information sites http://www.selectloans.co.uk/ and also
http://www.ukpersonalloanstore.co.uk. Select Loans have
information and links to certain suppliers in the car loans
section of the site.
Source: http://www.isnare.com |
| posted by Illusion Technologies @ 3:12 AM |
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| Friday, July 27, 2007 |
| Car Loan Dealers |
Hurdle Free Low Cost Finance Ensured On Availing Council Tenant Loan
By Peter Taylor
When a tenant lives in a certain place for considerable duration, he may like to buy that place or home and therefore he is called a council tenant. The tenant also has some rights on repairing or renovating their place of living. Council tenants therefore require funds to maintain the place or home they live in. With their limited income sources, there is no option other then to go for council tenant loan. However council tenant loan providers do not restrict tenants in utilizing loan for different purposes like debt consolidation, enjoying holiday trip, buying a vehicle etc.
Usually tenants do not own property so they can not take a secured loan. Therefore one can say that council tenant loan is normally unsecured loan. Lenders however need to secure the loan in the form of credibility of the tenant. This is done on going through credit history, income source, employment and financial position of the tenant. To take council tenant loan documents of income, employment and others demanded by the lender should be produced.
If the tenant has good credit history, council tenant loan is available to him at easier terms-conditions. He is likely to get higher loan amount at lower interest rate because of his good credentials, though unsecured loans do not come at lower interest rate.
In case tenant has bad credit, council tenant loan is equally available to him. The terms-conditions however may be a bit harder. Because of adverse creditability and history of repeated payment defaults, lenders offer the loan at higher interest rate to cover risk. Bad credit happens to tenants due to payment defaults on their part and County Court Judgments against them.
Council tenant loan is offered for a shorter period which is normally sufficient for paying off smaller loan that tenants normally require. The loan is approved fast as there is no need for lenders to waste time in evaluating collateral. Tenants are also free of any anxiety over loosing property. As far as higher interest rate is concerned, it can be taken care of by comparing different loan packages. Because of increasing competition in the loan market, lenders are willing to reduce interest rate fro deserving candidate.
To avail the loan at low cost, apply online for the loan. Council tenants get number of loan offers in response to the application and can compare for lower interest rate. Online lenders charge no fee on providing relevant information or on processing application.
Council tenant loan enables tenants in availing required finance at comparatively lower interest rate and low cost. The loan may help in improving credit score of tenants if paid back in time
Peter Taylor is a senior financial analyst at FastCashLoanTenant with an acumen for finance and insurance. In recent years he has taken up to provide independant financial advice through his informative articles. His articles are widely read because of the lucid manner of wriiting and thoroughly researched datas. To find Unsecured tenant Loan, Council tenant loan, Fast cash loan tenant UK, Bad credit tenant loan that best suits your need visit http://www.fastcashloantenant.co.uk
Article Source: http://EzineArticles.com/?expert=Peter_Taylor
http://EzineArticles.com/?Hurdle-Free-Low-Cost-Finance-Ensured-On-Availing-Council-Tenant-Loan&id=285428 |
| posted by Illusion Technologies @ 10:45 PM |
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| Monday, July 23, 2007 |
| Car Loan Dealers |
Maximize Your Used Car Loan Savings In 3 Easy Steps
By Jennifer Harper
Buying a new or used car is almost as bad as going to the
dentist. You know that it’s going to be expensive, painful, and
involve some form of getting screwed. However, getting approved
for your used car loan doesn’t have to be discomforting by any
means. By following three tremendously easy steps, you can save
yourself a load of money without ever setting foot on the car
dealership’s lot.
The first step in saving money on your auto loan is to get a
copy of your credit report. You can bet money that the decision
made by the bank on whether or not your car loan is getting
approved or denied is going to be based off of the information
contained in your credit report.
By already having a copy of your credit report before filling
out a car loan application, you can see what your credit score
is and take the appropriate steps needed to boost your credit
rating in the event that you have less than perfect credit.
Having a higher credit rating means that you are going to get
greater car buying power and lower interest rates on your auto
loan. This equates to savings of hundreds and even thousands of
dollars.
The second step to saving money in car loans is to increase
your down payment. Although being able to have a “zero-down”
down payment is nice, it is even nicer not to have to finance
that down payment money on your car loan. The more money you
put down on a car, the less money the bank is going to have to
lend you on your auto loan.
The third easy auto loan saving money step is to get
pre-approved for your used car loan. Pre-qualified auto loan
buyers save money by being able to negotiate better deals on
their vehicles. By having the pre-approved power of a lending
institution behind you, you can get higher rebates, better
value in trade-ins, and lower the overall price of the car you
want to buy. Remember the old adage that cash talks.
Pre-approved auto loan recipient’s cash not only talks, but
also saves.
If you get your credit report, increase your down payment and
get pre-qualified for your car loan, you can maximize your auto
loan savings and negotiate your own terms when purchasing a
vehicle. Requesting a credit report is extremely easy. Recent
laws have been passed that grant every person at least one free
copy of their credit report each year. Take advantage of this
opportunity. Arm yourself with this car loan knowledge. Start
saving money on your new or used car auto loan.
About the Author: Jennifer Harper is author of “Everything
Home” and “Money Management for Millionaires.” To learn more
about how you can save money and get pre-approved on your used
car loan today, check out the resources at
http://www.car-loan-used.info
Source: http://www.isnare.com |
| posted by Illusion Technologies @ 5:29 AM |
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| Friday, July 20, 2007 |
| Car Loan Dealers |
Low Interest Rate Car Loan – Put Your Good Credit To Work
By Carrie Reeder
If you are in the market for a new vehicle, you will want to
find a low interest rate car loan. One of the first things to
do before starting your search for a new car is to obtain a
copy of your credit report. You will want to make sure you have
a good credit standing before applying for a new car loan.
One of the first things car dealers do after you fill out an
application it to run a credit check. It is not a pleasant
experience to find out that your credit is not as good as you
thought or that you have errors on your report when you are
already at the car dealer. This can be both embarrassing and
harmful to your credit. You want to try to avoid having to go
from dealer to dealer to obtain a low interest rate car loan.
Another tip to remember is that every time a dealer runs a
check on your credit, it can affect your credit rating. If you
already have a problem with your credit, you do not want to
further lower your credit score, even if it is only by a few
points. On the other hand, you can request your personal credit
report as often as you like without it having any effect on your
credit rating.
High Credit Score – Low Risk
Having a high credit score rating is your best bet in obtaining
a low interest rate car loan. Many consumers are lured into
shopping for a new car by advertisements that promise very low
interest rates, sometimes zero-percent financing.
Unfortunately, not everyone qualifies for this low of a rate.
Only customers with excellent or above average credit will be
offered deals like these. This is why it is so important to
clean up your credit report as much as possible before applying
for a car loan.
Improve Your Credit Score
If you currently do not qualify for a low interest car rate
loan there are steps you can take to improve your credit score
rating. If the problem is simply an error on your credit
report, you can contact the credit rating agency to have the
problem resolved. Even though it is their error, they will most
often ask for documentation if necessary to back up your claim.
For example, if you have already paid off an account and your
report shows the balance is $2,500, they will want a copy of
the account being paid in full.
By paying your bills on time, you can also improve your score
and get a lower interest rate on a car loan. Even if you have
had late payments in the past, if your current records show
that you are making timely payments, lenders will view your
record more favorably.
Your debt to income ratio is also an important factor when
trying to obtain a low interest rate car loan. You should try
to keep your credit card limits well below the maximum amount
allowed. Also, if you have paid off accounts in the past, you
should not close the accounts out. Open accounts with a zero
balance will help your debt to income ratio score.
About the Author: View our recommended lenders for Car Finance
Loans http://www.abcloanguide.com/autoloans.shtml.
Source: http://www.isnare.com |
| posted by Illusion Technologies @ 4:20 AM |
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| Wednesday, July 18, 2007 |
| Car Loan dealers |
Factory Accident Lawyers
By Alison Cole
At the workplace workers are threatened with various kinds of threats. It could be a limb injury whilst loading reels of paper in a box factory or inhaling toxic fumes in a chemical plant. Either ways the worker suffers and incurs heavy costs for hospitalization and treatment. At times it could render him useless for the rest of his life making his dependants suffer along with him.
It is necessary that suffering workers and laborers know what they are entitled to incase of such injuries at the factory site. If the labor is unskilled or uneducated, the factory owners may take them for a ride by offering low or no compensation or medical expenses at all. This would mean unfair exploitation of labor. This is where lawyers who have specialized in factory accidents come into the picture.
They are like any other lawyers who have received their law degrees and are members of the bar association certified to appear in court. The only difference being that they specialize in Factory Accident cases. They have enough study of cases related to factory accidents, good knowledge regarding the safety measures and precautions required in a factory and they are well aware of workers rights as per law.
These lawyers understand the trauma and the stress of a workplace injury. They strive to represent their injured client get due compensation for proper care and treatment and monetary relief for suffering from a lifelong injury and pay for necessary future treatments.
The lawyers ensure that the company gives due compensation to the injured or, in case of death, to the deceased's family. They also ensure that all negotiations are done in a professional and respectful manner, not harming the image of the company.
Accident Lawyers provides detailed information on Accident Lawyers, Auto Accident Lawyers, Aviation Accident Lawyers, Car Accident Lawyers and more. Accident Lawyers is affiliated with Illinois Car Accident Lawyers.
Article Source: http://EzineArticles.com/?expert=Alison_Cole
http://EzineArticles.com/?Factory-Accident-Lawyers&id=303144 |
| posted by Illusion Technologies @ 12:11 AM |
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| Sunday, July 15, 2007 |
| Car Loan Dealers |
Extend The Life Of Your New Or Used Car
By Ryan Larson
You don't think much about your car do you? Your car sits
outside 24/7, 365 days a year in all extremes of weather. You
routinely drive it at speeds that exceed 70 mph. You stop,
start, stop, start through city traffic. You sit idling in
traffic jams day after day. Yet, you expect your car to start
every time you get into it and turn the key.
The best thing that you can do to extend the life of your car,
and to potentially save yourself a bundle of money, is to have
your car serviced on a routine basis. All car manufacturers
have a schedule of recommended services for each vehicle they
sell. Follow this schedule. The best place to have work done on
a new vehicle that is still under warranty is the dealership.
It's a bit different when you have an older, out of warranty
car. At this point you can make a decision to continue to use
the dealer for service, or find yourself a local mechanic.
The first rule of thumb is to have the oil in your car changed
every 3,000 miles. This is the simplest and most important part
of routine maintenance for your car. At that time, whether you
go to a "speedy" oil change business or to your mechanic, the
technician will take a look at the overall condition of your
engine. They'll check belts and hoses and fluid levels of your
transmission and brakes. They'll check your air cleaner and the
condition of your tires. Some of these drive through services
also offer add on's such as engine cleaning and radiator
flushes. If they think they see something that could become
potentially serious they will tell you about it and suggest you
take your car to a mechanic.
Cars have really changed over the years and most technicians
use computers to diagnose problems. You'll need to be able to
describe the problem to the mechanic. They'll need to know
things such as when you first noticed the problem and exactly
under what condition it happens. Does it happen when the car is
cold, or after it warms up? Does it happen when you're at an
idle or when your accelerating? If you don't use the same
mechanic have a copy of your car's service record with you so
that the new mechanic can see what maintenance been done in the
past. It's best to find a mechanic you're comfortable with and
stay with him. Knowing your car's history can go a long way
towards helping him diagnose and fix a problem.
Learn to listen to your car. If you hear an unusual noise,
notice a change in it's performance or handling take it to your
mechanic.
About the Author: This article courtesy of
http://www.bmw-owners-guide.com
Source: http://www.isnare.com |
| posted by Illusion Technologies @ 11:19 PM |
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Name: Illusion Technologies
Home: Nasik, Maharashtra, India
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