Loan to Value Ratio #car #lots


#calculate auto loan
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Loan to Value Ratio

The formula for the loan to value ratio is the loan amount divided by the value of the collateral used for the loan. The formula for the loan to value ratio is most commonly referenced in auto loans and mortgages, but can be applied to any loan that is secured with collateral including boat loans, RV loans, and certain types of commercial loans.

The value of collateral in the denominator of the formula for the loan to value ratio can be found depending on what type of loan is involved. The value of collateral for mortgages, land, and commercial real estate is generally determined by an appraisal. Used car loans and other forms of used consumer loans are generally determined by the book value published by companies such as NADA and Kelley Blue Book. The MSRP, or manufacturer s suggested retail price, may be used with consumer loans that use a new product as collateral.

Use of Loan to Value Formula

The formula for the loan to value ratio is generally used by loan officers and underwriters as part of evaluating an applicant s qualifications. Lending institutions have guidelines to determine if a loan applicant qualifies for the loan requested. If the loan to value ratio on a particular loan request is outside of the lending institution s guidelines, a higher down payment may be required.

The formula for the loan to value ratio is also used specifically in mortgages to determine if private mortgage insurance, or PMI, is required. In many cases, PMI is required on a mortgage that has a higher loan to value ratio than 80%, but individual lender programs may vary.

The relevance of the loan to value ratio for a lending institution is evaluating the risk associated with a particular loan. Using collateral could be considered less risky of an investment than one that is unsecured such as a credit card. Banks rely on interest from their loan portfolios as one source of their income and, like other forms of investments, must evaluate the risk and return of that investment portfolio.

Formulas related to LTV Ratio: Debt to Income (D/I)


The Big Lot #buy #auto #insurance #online


#used auto dealers
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Welcome to The Big Lot

A Pre-Owned Auto Dealer serving the greater Kansas City, MO area.

Our goal is to make your car buying experience the best possible. The Big Lot s virtual dealership offers a wide variety of used cars, Pre-Owned incentives, service specials, and Pre-Owned parts savings. Conveniently located in Kansas City, MO we are just a short drive from Kansas City, KS and Independence, MO.

If you re looking to purchase your dream car. you ve come to the right place. At The Big Lot we pride ourselves on being the most reliable and trustworthy Pre-Owned dealer around. Our inventory is filled with some of the sweetest rides you ve ever seen!

The Pre-Owned Dealer You Can Count On

We re the kind of Pre-Owned dealer that takes the time and listens to the wants and needs of our clients. We understand that buying a car is a process that takes a certain amount of careful consideration.

It s a lot to wrap your head around but at The Big Lot we do our best to make the car buying experience an easy one. We re the kind of Kansas City, MO car dealer that helps you decide exactly what you re looking for. We won t ever make a sale that our customers will end up being unhappy with. We re proud to be the type of Kansas City, MO Pre-Owned dealer that strives for 100% customer satisfaction.

There are several important factors to take into account when choosing a car:

  1. How many people do you drive with every day?
  2. How far do you drive on a daily basis?
  3. What kind of terrain or traffic do you need to tackle?
  4. What does your gasoline budget look like?
  5. Are you looking for a sports car or would you prefer a family friendly vehicle?
  6. How much money are you looking to spend on your new car?
  7. Do you need financial assistance ?

Pre-Owned For Everyone

We are the Kansas City, MO car dealership that caters to a variety of clientele. We understand that all of our clients have different financial situations. We have done our best to ensure that our cars come in a variety of different shapes and sizes, and that the price tags vary as well. We not only have an amazing selection of pre-owned vehicles that are just fantastic.

Because our customers are so important to us, we also take the time to find you some great financing options if you need them. At The Big Lot Pre-Owned we do our best to find a reasonable loan that enables you to purchase the car you ve always dreamed of.

If you would like to get in touch with us please don t hesitate to give us a call at (816) 241-5100 or stop by for a visit.

The Big Lot Pre-Owned s range of car services includes:

Servicing Your Pre-Owned Vehicle

Car Shopping Quick Links


Low Price Auto Glass #auto #transport #quotes


#auto glass houston
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Services

8:00am – 5:30pm. every day

Reliable Auto Glass Repair Shop in Houston, TX

If you’re looking for a Houston, TX, auto glass repair shop that offers high-quality work on any make or model vehicle, then the professional staff at Low Price Auto Glass is standing by to help you with your glass needs. We have over 20 years of experience in the glass repair industry, and our labor has a lifetime warranty. We’re AGR and NGA certified and a member of the BBB. We offer same day service, and you’ll find that we have a quick response time to your glass needs. We offer the following services:

More Than Windshields

We do more than repair cracks or replace windshields. We offer boat glass repair, and our trained and experienced staff can do custom work for you. We can even repair your RV glass, and we offer a mobile service for some repairs. We’re qualified to repair power window motors, and we offer truck glass repair services as well. We’ll help you with your insurance paperwork, and our prices are reasonable since we offer at or below wholesale prices.

You want a locally owned and operated Houston, TX, auto glass repair shop like Low Price Auto Glass when you’re in need of glass repairs. Call us today, and we’ll schedule your appointment.


Low Cost Auto Insurance #auto #bluebook


#low cost auto insurance
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Low Cost Auto Insurance | Low Cost Car Insurance Quotes

Low Cost Auto Insurance is obtainable! Try our free Low Cost Car Insurance Quotes form. Find out how much you’ve been over paying on your auto insurance right now!

We want to make it quick and easy for you to get the best low price car insurance quotes. Simply use the very easy to use form below and answer the brief questionnaire and then you’ll be able to compare your current auto insurance policy side by side with up to 8 competitive FREE No Obligation Low Cost Auto Insurance Quotes from your state.

SAVE money with our low cost car insurance quote NOW. fill in the form above and click Start Saving Now to begin! Researching all the insurance companies for the best deal can take days! If not weeks! Let us do the heavy lifting for you; it only takes 3 minutes!

Privacy Notice: Any data you provide through our online form will be used solely for the purpose of providing you with accurate low cost auto insurance quotes from agents. We value your privacy very highly and so will NEVER sell, give away, or in any manner transfer your personal data to any person or entity, with the exception of the insurance agents you select to provide you with quotes.

Low Cost Auto Insurance

Low cost auto insurance for your car is it the Holy Grail

Low cost auto insurance in today’s difficult financial environment is what most drivers tell me they would like to find. Of course car insurance is necessary for all drivers and is a requirement by law in most countries and states. For most people it is wise to have their automobile fully covered, but depending on their circumstances some drivers can get by on third-party low cost car insurance liability.

A great many insurance companies say that they are a low cost auto insurance company. Anybody who wants the best low cost car insurance should be certain that the discounted insurance rates that they receive are not in fact laced with areas not covered nor have a number of hidden costs.

The best low cost auto insurance companies can only be found with a lot of careful information searching, collecting and comparing. Only after that can you be sure that you’re truly getting a good deal.

Low cost auto insurance is perfectly acceptable for many people but it is very important to make sure that it is issued by a reputable insurance company. There’s just no value in getting really low cost automobile insurance and then finding out that they mess you around, or worst still, that they don’t pay out.

Is the low cost car insurance provider financially secure?

To make sure a low cost car insurance company is bona fides and has good customer service it is wise to look them up at an insurance rating company. To find independent financial ratings for insurance companies, Weiss Ratings and A. M, Best are good places to start; they also publish a lot of useful consumer information.

These two websites can prove very useful when checking on insurance companies as they give lots of information on a Texas low cost auto insurance company’s or other states insurance companies overall service levels and have info on the level of satisfaction of their customers. The information is easy to read and should help to quickly eliminate the nightmare companies.

Do you meet the criteria necessary for low cost car insurance?

Low cost auto insurance is available for drivers who meet certain criteria but these criteria can vary wildly with every company. Some companies provide a ca low cost auto insurance quote by limiting the coverage provided, for instance by providing insurance that only pays 50 or 100,000 dollars per accident which of course would prove totally insufficient in a serious accident.

The whole reason in the first place, other than the law, of having auto insurance is to protect your property and assets in the case of an accident or other problem. It is false economy to buy auto insurance with insufficient cover just because it is cheap. Unfortunately very high cover is very expensive from many insurance companies in many US states.

Low price car insurance the questions you should ask

One of the questions you should ask yourself before you buy a low cost auto insurance program from any company is how long will this company take to pass a claim if you should be unfortunate enough to be involved in an accident, you don’t want to find out later that its months and months after the event.

Low cost car insurance for you automobile should at a minimum pay the vehicles damage, wage losses due to injury and other medical expenses. The liability insurance should also cover the court costs if any. Coverage limits are generally reduced though and they might not protect you from being sued. You just need to make sure you understand what cover you are getting in your Texas low cost auto insurance online or other states policy.

Do all low cost car insurance companies have the same criteria?

Whether you are wanting Washington Auto Insurance Quotes. California low cost car insurance, Texas low cost auto insurance or car insurance in any other state the rates you will be quoted will always depend on your age, your driving history, the type of vehicle, the vehicle and your location. Although there can also be many other factors and they can vary substantially with different auto insurance companies. It is of course best to have full coverage but if your car isn’t worth much it may not be necessary to have this type of cover.

Auto insurance companies look at how likely you are to make a claim and how much it could cost them if you do and as you have a degree of control over these factors you can help lower the rates they quote you. So taking defensive driving classes for instance, adding security and safety features to your car, even driving less, and of course anything else that you can do that would make you less of a risk will lower your long term auto insurance costs.

Keep your driving record clean and choose higher deductibles for lower quotes

Of course a driver with a good driver’s record will be given particularly good low cost auto insurance quotes. Teenage drivers, the statistics show, unfortunately have more accidents than older and more experienced drivers therefore the insurance providers set their insurance rates for them much higher.

Another way to get low cost car insurance in your state is to raise your deductible premiums. Normally a high deductible will give you a lower auto insurance premium. For instance increasing your deductible from $250-$500 can save you $100 or more and raising it from $100-$500 can save you up to 15% of the premium. Whereas $1000 deductible can save you in some instances 50% of your premiums.

Don’t forget low cost car insurance companies new customer discounts

Remember also that most low cost auto insurance companies many times give new customers very large discounts to attract them as customers. These discounts are of course there to entice you to give them your business.

When you have finished your research, reviewed and checked as far as possible all of the different quotes it is also a good idea to ask friends and family about their dealings with low cost car insurance companies. We find that the company’s service record with its customers tends to not change much.

If it is difficult to find people with good experiences of any of your low cost auto insurance rate providers then it’s probably better to go with one of the others. This should ensure you get a Safe Auto Insurance Quote. As if you are unfortunately involved in a car accident then the low cost car insurance company’s customer service can be a very important part of your decision making.

Get many different quotes and compare them

As we said earlier rates can vary dramatically between different companies for a low cost auto insurance quote so you must always compare many different quotes. Make sure that each company provides you with a written quote of the premiums and the coverage that will be provided.

It unfortunately can take a considerable amount of time and effort to do your research and due diligence in comparing many different low cost car insurance quotes but it usually is worth the effort as remember you will be saving money each and every year.

Going online to find your quotes

You can of course use the Internet to help you with your research and most companies have an online quote system. But we have found that generally the best people to find your low cost car insurance policy from are in fact local agents who know all the insurance companies very well and more importantly the laws of your state but not all agents work with all insurance companies so we always advise to get at least five quotes from five different local low cost auto insurance agents.

To help you with that search we have provided below, a simple three-minute form for you to fill out where our experts have done all the heavy lifting for you and selected up to 8 of the best low cost auto insurance quotes from 8 completely different local agents and of course it goes without saying it is totally free and without any obligation.

Compare and Save on Auto Insurance

Get FREE Quotes Now!


Louisville Auto Supply – NAPA Auto Parts in Louisville, Colorado #affordable #used #cars


#napa auto parts locations
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Louisville Auto Supply

M F: 7:30 am 8:00 pm

Sat: 8:00 am 6:00 pm

Sun: 9:00 am 5:00 pm

East Boulder County s premier NAPA Auto Parts store

Our store provides access to the most extensive inventory available in the automotive industry, with over 422,000 quality parts and accessories. Whether it s Heavy Duty, High-Performance, Farm, Marine, Industrial or Small Engine parts, we have what you re looking for. Overnight delivery is available on hard-to-find parts.

By clicking the Reserve Online Make It Your Store button above, you can look up parts for specific vehicles, check our prices and in-stock inventory, and reserve the parts you need for pick-up later in our store. Detailed instructions are available on the How-To page under the Reserve Online menu.

Quality Parts – Quality People

You ll find our knowledgeable parts specialists provide friendly, personalized service to meet your needs. With our huge in-stock inventory, NAPA provides the parts you need when you need them. We carry high quality parts and accessories for everything from cars and trucks, boats and tractors to lawn mowers and motorcycles.

No auto parts supplier has more certified parts specialists. Our highly trained and experienced professionals are here to help you get the job done. Our products are built to exceed O.E.M. specifications. All NAPA brand parts are backed by the NAPA National Warranty Program honored by over 6,100 NAPA Stores nationwide.


Loan Interest Calculator #auto #loans #bad #credit


#auto interest calculator
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Get this calculator for your site:

Loan Interest Formula:

Monthly Payment = PMT(Annual Interest Rate, Number of Years in Loan, Loan Amount, 0)

Loan Interest Definition

This free online Interest Calculator is so easy that almost anyone can use it and it s fast to boot! All you have to do to learn how to do interest calculations in a flash is just enter in the loan amount, interest rate, and the number of years the loan lasts. That s it! Who knew that using an Interest Calculator could be so easy and dare we say fun? Come on, nobody wants to do loan interest calculations longhand with a pencil and while using Microsoft Excel s formulas is a great deal easier than using a pencil and paper even that is a slow and antiquated interest calculation method compared to our free Interest Calculator online! Try it out now! Also, check out the Compound Interest Calculator  or the Extra Payment Calculator .

How to Calculate Loan Interest

Let’s be honest – sometimes the best loan interest calculator is the one that is easy to use and doesn’t require us to even know what the loan interest formula is in the first place! But if you want to know the exact formula for calculating loan interest then please check out the “Formula” box above.

Add a Free Loan Interest Calculator Widget to Your Site!

You can get a free online loan interest calculator for your website and you don’t even have to download the loan interest calculator – you can just copy and paste! The loan interest calculator exactly as you see it above is 100% free for you to use. If you want to customize the colors, size, and more to better fit your site, then pricing starts at just $29.99 for a one time purchase. Click the “Customize” button above to learn more!


Long Island Auto Loan – Bad Credit Auto Loans and Used Car Loans #auto #body #supplies


#bad credit auto loan
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Auto Loan General Information

Most consumers are unaware of the factors that determine the acceptance of an auto loan. These tips will allow the consumer to improve their chances of approval and obtain a lower interest rate on an auto loan.

The credit score of a consumer is a primary factor in the acceptance or denial of auto loan financing. Some lenders will give an auto loan to consumers with lower credit scores with terms and interest rates that are far above the average car loan interest rate.

The first step in preparation for an auto loan is to check credit scores. All consumers are entitled to check their credit reports online. Therefore, it is a good idea to check your credit reports and ensure that everything is in order. The three major reporting companies are Experian, Equifax, and TransUnion. These companies have a separate credit reporting system and will report a corresponding credit report unique to that agency.

Most consumers do not know that the credit scores may vary depending on the reporting company. Therefore, it is important to check all credit reports from Experian, Equifax, and TransUnion. Any errors or late payments can affect an applicant’s auto loan interest rate. The consumer should contact the reporting company if there is an error that exists in their credit report. By ensuring that all erroneous errors are removed, the consumer can ensure that his or her score is optimized and accurate.

The second step is to analyze and create a price range for car shopping. By doing this, consumers can use online rate calculators to approximate their monthly payments. Although the interest rate is unknown, it is a good way to ensure that the consumer stays within his or her optimal price range. There is usually a major difference between what a consumer desires and what a consumer can afford.

Avoid prepayment penalties when applying for an auto loan. Financial situations may change throughout life and the flexibility to pay off an auto loan early is important. Find a lender that will allow the consumer to make extra payments on principal to pay off the loan entirely without penalties. For further assistance please call 1-888-598-1910 to speak to an auto loan advisor.


Loan Calculator – Simple Loan Repayment Calculator #auto #loan #calculator #free


#auto financing calculator
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Loan Calculator

How to Calculate Your Monthly Loan Payment

There are lots of reasons why you might want a personal loan. Perhaps it’s to consolidate some credit card debt, or for a home repair project and maybe you’d like to invest in a small business. Whatever the reason, it’s important to know just how much that loan is going to cost you in the long run. That’s where a loan calculator comes in.

A loan calculator is a simple tool that will allow you to predict how much a personal loan will cost you as you pay it back every month. It’s quite simple: You provide the calculator with some basic information about the loan, and it does the math and spits out your monthly payment.

3. The interest rate of the loan.

The interest you pay for your personal loan will depend on your credit score and the information in your credit report. The higher your credit score, the lower you’re interest rate will be, and the less you’ll pay for your loan in the end. If you’re not sure whether you have good credit you can use Credit.com’s free Credit Report Card for an easy to understand overview of your credit report along with your credit scores.


Loan Amortization Calculator – A Free Online Loan Amortization Calculator With Data Table #firestone #auto


#auto loan amortization
#

Your suggestion is on its way!

Loan Amortization Calculator

A Loan Amortization Calculator For Any Purpose

The loan amortization calculator is intended to show you how your loan will work month-by-month, including information about:

  • Your monthly payment
  • How much of your loan gets paid off each month
  • How much of your monthly payment goes to interest each month
  • How much you’ll owe on your loan at any point in time

The loan amortization calculator includes an amortization table for your reference.

For more details on the results of your calculation, read How Amortization Works. If you want to dig into the numbers even more deeply, find out Calculate Loans on Your Own.

Instructions

Fill in the required information related to your loan, and click the Calculate button. A table will appear below the loan amortization calculator with the information described above.

You may want to plug the loan amortization calculator’s output into Excel or another spreadsheet program so that you can work with the numbers even further (for example, you might calculate how much interest you’ll pay over the first 10 months of your loan). The best way to do this is to select the data starting outside (above, for example) of the table. Or, use a pre-built Excel loan calculator template.

The loan amortization calculator can be used for your auto loans, home loans, or any other straight-line amortized loans. It does not work with credit card loans or other revolving loans.


Locate Bad Credit Car Dealerships. Get Approved for an Auto Loan #auto #world


#bad credit auto dealers
#

America’s Largest Network of Bad Credit Car Dealers

1.7 million people have bought a car with our help

Bad Credit Car Dealers That Can Help

Apply Online in just 3 minutes: Apply Now

While many people are familiar with what bad credit means, not everyone knows what bad credit car dealers are or how they operate.

The question of “What is a bad credit auto dealership or car lot?” isn’t too difficult to answer. Since most banks, credit unions, and other major lenders only tend to deal with customers with ‘prime credit,’ this leaves a significant amount of people who need a car, but have a poor credit rating out in the cold.

To cover this gap in lending, many dealerships these days are offering financing on a vehicle through in house or third party options. However, since risk of financing to people with bad credit tends to be higher, these dealers tend to charge higher rates to offset that risk. The advantage is that people who might normally not be able to get into a car are able to finance one, even if it is at the trade off of higher cost.