Mortgage Calculator – Mortgage & Loan Calculators – Mortgage 101, mortgage rate va loan.

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mortgage rate va loan

Mortgage rate va loan

A mortgage payment calculator is a great tool to help home buyers estimate the cost of monthly mortgage payments. Whether you’re interested in mortgage refinancing or looking to see how much tax you can deduct, these free mortgage calculator tools are here to help you. If you’re interested in simple calculation of your mortgage use the tool calculator above. Otherwise, look through the different mortgage calculators below.

Mortgage rate va loan

Mortgage rate va loan

Mortgage rate va loan

Purchase Calculators

This calculator helps you identify how much you are able to afford when you are searching for a home.

Compare your total monthly obligations including your total mortgage payment to your monthly income.

Our Buy vs Rent Calculator help you analyze the total cost of renting versus the total cost of owning.

This calculator estimates the tax benefit of buying a home.

Estimate the Annual Percentage Rate (APR) for a mortgage loan using your mortgage rate.

Compute your initial and estimate your future payments with Mortgage 101 ARM Loan Payment Calculator.

Refinance Calculators

Helps you understand if you should pay loan points during your refinance.

Figure how long before your savings equal the cost of obtaining a new consolidation loan.

Figure your principal balance after any number of payments.

Figures how long your mortgage will last depending on how much you pay monthly.

This calculator will amortize your mortgage over the loan period based on your input.

Estimate the Annual Percentage Rate for an Adjustable Rate Mortgage based on input parameters.

The Mortgage 101 Blog

Mortgage rate va loan


Calculate Loan Payments – Costs: Formulas and Tools, calculate auto loan.#Calculate #auto #loan


Calculate Loan Payments Costs: Formulas and Tools

Calculate auto loan

When most people borrow money, the monthly payment is one of their top concerns: is it affordable, given other monthly expenses (and your income)? If you’re not sure how much you’ll need to pay, a loan calculator – or a bit of math – can help you find the answer you need.

Calculators are great for getting a quick answer. They also make it easy to do what-if calculations, which help you truly understand your loan and how your decisions affect your finances.

For example, it’s easy to make multiple comparisons on what happens if you borrow slightly less, or what happens when you get a lower interest rate.

Different Loans, Different Calculations

Before you start calculating payments, you’ll need to know what type of loan you’re using. You’ll use a different calculation (or calculator) for different loans. Some loans are interest-only loans, where you don’t pay off the loan – you only service it by paying interest. Other loans are amortizing loans, where you pay down the loan balance over a set period of time (such as a five-year auto loan).

If you don’t want to do loan payment calculations manually, online calculators can do the math for you.

You can also use spreadsheets such as Google Sheets and Microsoft Excel to do the calculations and show you how the loan works year-by-year. See more details about using a spreadsheet for standard amortizing loans (like auto loans, home loans, and personal loans).

Anytime you calculate your loan payment and costs, you should consider the results a rough estimate. The final details might be different depending on the assumptions your lender uses – but you’ll still get valuable information.

Formula for Amortizing Loan Payment

The formula below works for most amortizing loans (standard auto and home loans, for example).

Loan Payment Amount / Discount Factor

You’ll need the following values:

  • Number of Periodic Payments (n) Payments per year times number of years
  • Periodic Interest Rate (i) Annual rate divided by number of payments per
  • Discount Factor (D) <[(1 i) ^n] - 1>/ [i(1 i)^n]

Sample Loan Payment Calculation

Assume you borrow $100,000 at 6% for 30 years to be repaid monthly. What is the monthly payment?

Interest Only Loan Payment Calculation Formula

The loan payment calculation for an interest only loan is easier. Multiply the amount you borrow by the annual interest rate. Then divide by the number of payments per year.

Example (using the same loan as above): $100,000 times .06 $6,000 per year of interest. 6000 divided by 12 equals $500 monthly payments. Assuming you never pay down any of the principal balance, your monthly payment will remain the same going forward. However, you will have to pay off that loan someday – the loan will probably start to require amortizing payments (perhaps after 10 years), or you’ll need to make a balloon payment at some point to get rid of the debt.

Credit Card Payment Calculations

Credit cards are also fairly simple: there’s often a formula for figuring out what your minimum monthly payment should be. For example, your card issuer might require that you pay at least 3% of your outstanding balance each month (with a minimum of $25 or so). Of course, it’s wise to pay more than the minimum, but that’s the amount you have to pay to stay out of trouble.

Example: assume you owe $7,000 on your credit card. Your minimum payment is calculated as 3% of your balance:

But what happens the following month? Your credit card charges interest each month, and you might spend more with your card after you make a payment. In many cases, the same minimum applies: a percentage of your total loan balance is due.

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For more details, see a tutorial on calculating your card payments and how each payment affects your balance.

Other Important Factors: Interest and Total Loan Cost

Your monthly payment is important – if you don’t have the cash flow, you certainly can’t afford to buy. But the payment doesn’t need to be the most important part of any deal. It’s often more important to focus on:

  • The purchase price, and
  • The amount you’ll pay in interest over the life of your loan

Those two components combined make up the total cost of whatever you re buying.

Your monthly payment is really just a result of the loan amount, interest rate, and length of your loan. Salespeople (including lenders) can shift things around to make it seem like you’re getting a good deal – even when you’re not.

For example, auto dealers often focus on the monthly payment: how much can you comfortably afford each month? With that information, they can sell you almost anything and fit it in your monthly budget. But you aren’t necessarily getting a good deal, and the cost of your loan will dramatically increase the total amount you end up paying for your car.

How do they do it? One of the easiest ways is to stretch out the loan over a few more years: instead of a four or five-year loan (which makes sense), they’ll propose a seven-year loan with lower monthly payments. Unfortunately, stretching out the loan means you’ll pay more in interest over the life of the loan – effectively paying more for whatever you bought.

You’ll almost certainly do better if you negotiate on the purchase price, instead of negotiating on the monthly payment.

You can borrow anywhere you want: from any bank, credit union, or online lender – you don’t need to depend on the dealer for financing. You won’t always get a lower monthly payment this way (so it might not feel like you’re doing better), but you’ll probably spend less overall.

To further minimize your costs, pay off your debt early. As long as there s no prepayment penalty, you can save on interest by paying extra each month or by making a large lump-sum payment. Depending on your loan, your required monthly payments going forward might or might not change – ask your lender before you pay.

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auto loan calculater

Auto loan calculater

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  • Car Loan Rates – Car Loan Rate Information – New – Used Car Loan Rates, auto loan rates.#Auto #loan #rates


    Rates

    Carloan.com is proud to provide the following car loan rate information from your local and regional lenders. Simply click “Get Pre-Qualified” when you’re ready to apply. Our application process takes just 60 seconds to complete. Once you’re approved, your dedicated loan advisor will give you available rates in your area.

    How to Get the Best Auto Loan Rates

    Your Credit Score

    It’s no secret that a good credit score means a lower interest rate, but if you don’t know what your score is, how will you know what rate is fair? If you find that your credit score isn’t as good as you hoped, and you have the time, you can always work to improve it before you buy a car. A little effort could pay big dividends in the form of dollars saved over the life of your loan.

    Your credit score is a three digit number that is calculated based on your credit history. While there are three national credit bureaus in the U.S., they all use the FICO score algorithm to produce their score numbers. The FICO credit score scale ranges from 300-850. The higher the number, the better off you are for securing a lower interest rate on your loan.

    It’s important to keep in mind that those with a deep subprime — or “very poor” — credit score (500 and below) can expect an APR anywhere from 14 percent to a 20 percent on a bad credit car loan.

    poor credit score is always going to translate to a larger monthly payment on any approved auto loan. Lenders charge a higher interest rate to those with a lower credit score in order to offset their high default rates.

    Increasing your credit score does not happen overnight, but there are steps to take to improve your credit before trying to secure a loan:

    • Pay your bills on time every single month.
    • Pay off credit cards with small balances.
    • Don’t let your larger credit card balances exceed 30% of their limit.
    • Leave old debt and good accounts on your record as long as possible. If you have previously paid off a car or home, don’t try to remove it from your credit report the minute it’s paid off.

    Shop the Loan Separately

    Walking into a dealership with a guaranteed auto loan in your hand gives you bargaining power and flexibility. It also helps you avoid the common sales tactic of mixing up the vehicle price with financing costs. On the other hand, going into the dealership without doing research on how you are going to finance your purchase is setting yourself up to overpay.

    Taking the automaker’s low- or zero-percent financing often means having to pass on a rebate, since your choice generally is one or the other, not both. But you often can get the best of both worlds by taking the rebate from the dealer and getting financing elsewhere, even if the interest rate is higher than the promotional one from the manufacturer.

    Make a Down Payment

    Having a down payment isn’t always a necessity, and sometimes circumstances make it impossible. That’s okay. However, putting some of your own cash towards the purchase of your car helps in a couple of ways.

    First, it lowers your monthly payments. Not only do you have less principle to pay back, your overall interest is lower because you’re financing a smaller loan. Second, putting some of your own money in the deal is a signal to lenders that you’re fiscally responsible.

    Lenders will see that you not only put money aside for the purchase, but you’re probably a good bet to pay back what you borrow. Lower risk for lenders usually means better loan rates for you.

    Use our car payment calculator to provide you with an estimate of what you may be able to afford. The results are based on factors such as local interest rates, your credit score, and monthly income. Then, apply with our easy and fast application.

    Choose a Trustworthy Loan Advisor

    Finding a loan advisor who will put your best interests first is a necessary step to getting good rates. Some people have good relationships with their financial institutions and feel comfortable using them. Others might be more interested in shopping around for the best rates. And still others, maybe folks with bad credit, might have fewer options.

    Limit Loan Shopping Timeframe

    The timing of your car loan application is an important consideration, because it determines how your credit score is calculated. If you make all of your loan applications within a two-week period, they will only count as one inquiry. Otherwise, every time you apply for a loan, regardless of if you use it, your credit score goes down and it gets slightly more difficult to get a better loan.

    You should have an idea of what kind of loan interest rates you are qualified for by the time you arrive at the dealer. We have more valuable tips and advice on getting the best deal on a car from a dealer. The more knowledgeable you are, the better equipped you’ll be to negotiate.

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    Current Auto Loan Interest Rates

    Estimate your monthly payment with a car loan calculator.

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    Our tools, rates and advice help no matter where you are on life’s financial journey.

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    Connects Interested Auto Buyers with Local Auto Dealers Regardless of Credit Type, auto loan for bad credit.#Auto #loan #for #bad #credit


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    BarNone was founded in 1995 for the purpose of helping the millions of working people who, because of credit discrepancies, are not able to obtain auto loans to purchase a quality vehicle in a “conventional” manner. BarNone has offices in Michigan and California and maintains a 24-hour call center.

    When you’re looking for an auto loan, it pays to shop around. BarNone helps you compare auto loan rates and loan terms from multiple lenders. Compare different types of automobile loans, including new car loans, used car loans, and refinancing options, whether you’re buying from a dealer, or a private seller.

    At BarNone it doesn’t matter if you’re someone who is interested in getting a traditional auto loan or if you desire to lease a car from a local dealership, we will help you pick the best solution no matter what your credit scores look like.

    Take a moment and fill out our quick application, and after it is completed one of our financing experts will contact you.

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    “Just wanted to say thanks for helping me get a car! You referred me to a dealer in my area who helped me finance the car I wanted when no one else would even talk to me! You guys are the best!”

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    “I was very skeptical of the advertisement I received. I went to the dealer listed & I was totally amazed! We found the exact minivan we have been wanting & needing. We were treated better than we had ever been in ANY retail environment. I’ve been applauding & telling all of my friends/co-workers about BARNONE!”

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    Car Loans for Bad Credit, Get Approved today even with bad credit, auto loan bad credit.#Auto #loan #bad #credit


    One of the most common questions we receive about car loans for bad credit is:

    Is it actually possible to get an auto loan for bad credit, even a very bad score, or maybe even no credit at all? If so, what s the catch? Thousands of people looking for car loans for bad credit purchase vehicles every day, so it s definitely possible! The reasons are pretty simple:

    In a down economy, where more and more people are experiencing credit challenges (bad credit), banks must become less strict in their lending requirements in order to continue business. A auto loan for bad credit may not have the same interest rate as a car loan on great credit, but banks and dealerships have had to become more competitive because the number of individuals with “perfect credit” is dropping year after year.

    This means that your car is collateral, and banks are much more willing to finance an auto loan for bad credit because of this. While they won’t admit it, banks realize that a bad credit score doesn’t mean you won’t pay your bills. In some cases, an individual who has recently filed bankruptcy is in a better position financially to make their payment than someone who has a higher credit score! They also know that a car loan is also a great way to improve your credit. If you have a good payment history, a bank will want to maintain your business, hopefully giving you more loan opportunities in the future because of your good history.

    In a new car franchise, it is sometimes more important to sell a car than it is to make a huge profit on that car. Car manufacturers pay dealers incentives based on the number of cars they sell, not what they sell them for. The more cars sold, the larger the incentives become. Some dealers are willing to sell the car at cost, or even below cost, which makes financing the car much easier. Some dealers will even finance the car in-house, giving people looking for car loans for bad credit or people with severe credit problems loan opportunities that they wouldn’t have any where else.

    That s why when we say we can help you get a car loan regardless of your bad credit problems, we mean it!

    We have been in car loans for bad credit business since 1989 (online since 99), and we understand how the system works, and how it has changed over the years. Our application process is designed to give you the a chance to evaluate your best options (we specialize in helping obtain car loans for bad credit scores). It only takes a few minutes to apply online, and leave the rest to us!

    We can t wait to help satisfy your auto financing needs!

    Not a Problem, We Have Solutions!

    Bankruptcy can be a difficult process to go through, finding financing for an auto loan after experiencing Chapter 11 or Chapter 13 should not be.

    We specialize in helping individuals with poor, bad, no credit, and bankruptcy get approved for auto/car financing. Apply Today!

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    Demystify Financing!

    Some of the terms in the car loans for bad credit business, or that are used to describe auto loans for bad credit financing can sometimes seem a little strange. We ve compiled a few lists to help take some of the mystery out the vehicle lending process.

    Work with the Best!

    AutoApproved was formed by a family that has been helping people obtain car loans for bad financing since 1989. We are the best when it comes to matching you with the most competitive finance terms, regardless of your past credit history.

    We’ve Got You Covered!

    Our bad credit car loan application is designed especially for auto, car and truck buyers with credit problems, no credit, or unique sub prime auto loan requirements. We also are continually developing articles to help understand auto loans and financing.

    We can help you find car loans for bad credit – no problem!

    The Place for Auto Loans for Bad Credit

    What we do is very simple, we help individuals and families who are buying a vehicle (car, truck, van, etc.) who have poor or bad credit scores get approved for auto loans. The process is simple: we gather information about the car buyer in order to pair that individual with a car dealer who has the available resources to get them approved for sub-prime auto financing, sometimes with as little as $0 down. AutoApproved.com is working for car buyer by using our extensive network of relationships to help connect you with the right car dealership to help provide you with the best car loans for bad credit options.

    Bad credit. Poor credit. No credit. No matter what your your credit history looks like, we can find the right solution for your automobile lending needs. We have trained lending professionals working to help meet your financing requirements and partner you with the best lending auto solution.

    *The information you provide is for the purpose of arranging vehicle financing, it is not used without your knowledge for other purposes. See our privacy policy for more information.

    Car Refinance, Auto Loan Refinancing, OpenRoad Lending, refinance auto loan with bad credit.#Refinance #auto #loan #with #bad #credit


    Love Your Car, but Not the Payment?

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    Auto Loans – New and Used Car Loan Financing – Rates, Calculators, Resources, auto loan financing.#Auto #loan #financing


    Auto Loans – That’s Who We Are!

    For over 20 years we’ve been telling everyone, auto loans are all we do. Our mission is simple; make it as easy as possible to get a car loan online while being a national leader in online vehicle financing. Since we first went online in 1999, we’ve been Driving Approval across the country with more than 5 million auto loan applications processed. We have a national auto loan network which allows us to get you the best interest rate your credit score will allow. Our no obligation auto loan application is simple, fast, and secure – so there’s never been a better time to get an auto loan and buy a car than today.

    Car Loan Experts With Experience

    The service we provide at AutoLoan.com is second to none! We know each customer is unique and has their own hurdles to overcome, but that’s why we’re here. We have been providing our service for so long, each of our vehicle financing experts feels like they’ve seen it all. We know they haven’t seen every situation, but we’re so confident that we can help you overcome those obstacles and get a car loan, we’re willing to stake our reputation on it every single day.

    We take care of all the leg work and you get the best possible vehicle financing. Our application is so easy that it takes only minutes to complete. The basic requirements are minimal, there’s no obligation and best of all, it’s a free pre approval. Whether you need a 48, 60 or 72 month auto loan, let us do what we do best – get you an auto loan!

    Bad Credit Auto Loans?

    Each of our bad credit auto loan specialists understand you don’t have time to sit around and wait for a phone call that may never come, that’s why we keep you in the loop through the entire process. Finding the best auto loan rates for each applicant is a goal that we take seriously. Every single person that applies for a bad credit car loan online with AutoLoan.com is matched with perfect lender for their situation.

    Although it may seem like you can only buy a used car with bad credit, it’s not always the truth. Often times people with less than perfect credit will qualify for enoough of a loan that a new car deal may be better. By applying at AutoLoan.com you can be sure that you’re getting the possible interest rates for bad credit and driving a car you can afford.

    Car Loan Resources

    Everyone like to do as much research as possible before they make any type of large purchase. We understand that at AutoLoan.com. We want to make our years of knowledge avaiable to anyone that likes to do as much research as we do.

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    Bad Credit Car Loans – 9 Steps To Getting A Car Loan With Bad Credit, auto loan financing.#Auto #loan #financing


    9 steps to getting a car loan with bad credit

    Auto loan financing

    9 steps to a car loan on damaged credit

    Poor credit doesn’t mean you can’t buy a car, and doesn’t automatically mean you can’t get a car loan with terms that don’t break your monthly budget.

    Like everything else, “bad” is a matter of opinion and degree. If the score is borderline, some lenders might still see a good prospect, while others would see more risk.

    Most important: Shop around. While lenders will typically charge higher interest rates to subprime borrowers, you don’t just want to take the first rate you’re offered.

    Here are nine strategies to help you find the best subprime auto loan.

    Auto loan financing

    1. Don t assume the worst

    Don’t take someone else’s word that your credit is bad. Check for yourself by getting your credit report and credit score. You can get them for free at myBankrate.

    Even two candidates with an identical score might not be the same in the eyes of a lender, says John Van Alst, staff attorney for the National Consumer Law Center. “Even if your score is tarnished, you may have a better chance than someone with the same score and no (credit) history,” he says.

    Auto loan financing

    2. Aim high

    Keep in mind: Because car loans involve less money over a shorter period of time — and a car is easier to repossess than a home — the same credit score that might have put you in a subprime mortgage loan could bring you a prime or near-prime auto loan.

    If you actually have good credit and apply for a subprime loan, it’s likely that you will get less favorable terms than you deserve.

    Auto loan financing

    3. Shop around

    Some lenders will see your tarnished history in a more positive light than others, so it’s critical to shop around for the best rate.

    But be careful if a lender or lot caters specifically to subprime consumers. Places that are appealing specifically to subprime should be a warning flag.

    Auto loan financing

    4. Start close to home

    “Even if you don’t think you can get a loan, go to your bank, go to your credit union first,” Van Alst says. Apply at the bank where you have a checking account or your credit union. And see if your employer or insurance company offers auto financing.

    Auto loan financing

    5. Seek out car-finance lenders

    Check out sources known for car loans, rather than lenders known for catering to low-credit clients. This can include name-brand national banks, local and regional banks, and well-known online lenders.

    Auto loan financing

    6. Don t go it alone

    Ask a friend or relative to go with you, says Massachusetts-based consumer attorney Yvonne Rosmarin. Not only does it help to have another set of eyes and ears, but you can give your partner a role to play — such as acting unimpressed, dubious or critical of the loan terms.

    Auto loan financing

    7. Shop loan terms, not monthly payments

    Look for the cheapest money — the lowest annual percentage rate over the shortest period. Don’t be sidetracked by promises of a lower monthly payment over a longer period of time. If the only way you can make the payments is to take out a long-term loan, you probably can’t afford the vehicle.

    Auto loan financing

    8. Look out for add-ons

    Nonprime buyers are more likely to encounter lending contracts stuffed with nonessential goods and services, says Josh Frank, former senior researcher for the Center for Responsible Lending. Never allow the loan to be contingent on purchasing any add-on, such as extended warranties, after-market services and even insurance, he says.

    Auto loan financing

    9. Beware of the yo-yo

    If you finance through a dealer, make sure the terms are final, not contingent or conditional, before you sign and drive away. All too often buyers are told days or weeks later that their monthly payments or the required down payment has been increased. Or they’re told the financing is not complete and they must accept a higher interest rate.

    It’s sometimes known as a “yo-yo scam.” According to the Center for Responsible Lending, victims of yo-yo scams pay an average of 5 percentage points higher in interest than someone who is not a victim.

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    2017 Fast Auto and Payday Loans, Inc. All Rights Reserved.

    DISCLOSURE: This is a solicitation for an auto title loan, installment loan or payday loan. This is not a guaranteed offer and requires a complete and approved application. Auto title loan amount subject to vehicle evaluation. and customer ability to repay. Results and actual loan amounts may vary. Certain limitations apply. Auto title loans and installment loans are made pursuant to the Department of Business Oversight California Finance Lenders License. For Payday Loans: This company is licensed by the Department of Business Oversight Finance Lenders pursuant to the California Deferred Deposit Transaction Law. This site is affiliated with one or more of the licensed lenders referenced herein, including Fast Auto Loans, Inc., d/b/a Fast Auto and Payday Loans, and RPM Lenders.

    Refinance Auto Loan – When to Refinance Your Car Loan, auto loan refinance.#Auto #loan #refinance


    Refinance auto loan – When to refinance your car loan

    Auto loan refinance

    With interest rates remaining so low, an auto loan refinance may have crossed your mind — and it could be a good idea.

    Doing so could save hundreds of dollars each year and sometimes thousands over the life of the loan.

    If your current car loan interest rate is above 6%, you might want to investigate refinancing.

    Unlike refinancing your mortgage or even consolidating credit card balances, refinancing your vehicle loan is usually quick, easy and painless. No appraisal will be required. And usually there are minimal, if any, fees.

    But refinancing is not for everyone. It makes sense if, since the original loan, you find yourself in one or more of these five situations:

    • Interest rates have dropped. If interest rates have dropped more than a couple of points since purchasing your vehicle, you could save some money. In this case, loans at refi rates are considered used car loans and as such, the rates usually are higher than new car loans. Remember, even a percentage point or 2 can make a big difference over the life of the loan.
    • Your credit score has improved. If you had a few negatives on your credit report — or had no history of credit — when you bought your car, but your credit is healthier now, you may qualify for a lower interest rate. Interest rates of 18% or more for consumers with a thin credit history are common. Several months of on-time payments could entice a lender to refinance that loan at a lower rate. Steve Schooff, a former spokesman for Capital One Auto Finance, says consumers should check their credit scores before refinancing.Your credit score has a major influence on auto loan rates. Get your score for free at myBankrate.
    • You didn’t get your best rate when you purchased. Just because you had a high credit score and unblemished credit history doesn’t mean you got the best rate you could have received when you purchased the car. Dealer-sourced vehicle loans commonly carry a higher rate than the consumer deserves because the consumer simply didn’t know better. The extra money is a profit source to the dealer, like rust-proofing or extended warranties. When this is discovered after the fact, it may pay to refinance.
    • Your personal financial landscape has deteriorated. If you have had a financial setback and need to reduce your payments, refinancing could be a solution by increasing the loan term, thereby lowering the monthly payment.
    • Your car lease is expiring and you want to purchase the vehicle. When you fulfill the terms of a lease, you typically have the option to buy the vehicle.

    Finding a lender that refinances is the easiest step in the process. Credit unions do big business in vehicle loan refinancing and they have money to lend. You will need to open a checking or savings account at one if you’re not already a member.

    How much can you expect to save? According to Schooff, if one year ago you took a $25,000 auto loan for five years at 7.75% interest, refinancing the balance today at:

    • 4.75% for the remaining four years of the loan would save $1,373 — $28.60 per month.
    • 5.75% for the remaining four years of the loan would save $906 — $18.88 a month.
    • 6.75% for the remaining four years of the loan would save $448 — $9.33 a month.

    Refinancing isn’t an option for everyone. If the vehicle is worth less than the loan balance (upside down), a lender probably won’t take the chance and at the same time lower your interest rate. You can determine the current value of the vehicle through Kelley Blue Book, or KBB.com, Edmunds.com or AutoTrader.com.

    Other requirements may also disqualify you, such as the age of the vehicle and the outstanding balance to be refinanced. Capital One Auto Finance, for example, will not refinance a vehicle more than 7 years old; the amount of the loan can be no less than $7,500 and no more than $40,000.

    It’s important, Schooff says, “that consumers determine if their current auto loan has any penalties for paying off the loan early. This will impact how much they can save from refinancing.”

    Call your lender and request the current payoff amount of your loan. This is the amount of money you need to refinance. It is also the figure you’ll compare against the vehicle’s value to determine if the vehicle is worth more than the amount you need to borrow.

    There is no required amount of time from the date of the original loan until you can refinance. Actually, because of the way most auto loans are structured, the majority of the interest is paid during the first half of the term of the loan. The younger the current loan is, the more money refinancing will usually save.

    Once you know your payoff, you can determine how much refinancing can save each month by using Bankrate’s auto loan calculator to find your new payment, then subtract it from your existing payment.

    Because most refinancing loans are fairly straightforward, decisions are usually made quickly. Schooff says Capital One Auto Finance typically gives the consumer a decision by email within 24 hours of submitting the online application.

    If you find yourself upside down in your car loan and for personal reasons need to lower your payment, you may be able to persuade your current lender to modify your loan, lowering the monthly payments by extending the term of the loan or reducing the interest rate.

    It’s important to act before your payments fall behind. The earlier you open communications with your lender, the better the chance of coming to an arrangement.

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    This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

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    Refinance auto loan – When to refinance your car loan

    Auto loan refinancing

    With interest rates remaining so low, an auto loan refinance may have crossed your mind — and it could be a good idea.

    Doing so could save hundreds of dollars each year and sometimes thousands over the life of the loan.

    If your current car loan interest rate is above 6%, you might want to investigate refinancing.

    Unlike refinancing your mortgage or even consolidating credit card balances, refinancing your vehicle loan is usually quick, easy and painless. No appraisal will be required. And usually there are minimal, if any, fees.

    But refinancing is not for everyone. It makes sense if, since the original loan, you find yourself in one or more of these five situations:

    • Interest rates have dropped. If interest rates have dropped more than a couple of points since purchasing your vehicle, you could save some money. In this case, loans at refi rates are considered used car loans and as such, the rates usually are higher than new car loans. Remember, even a percentage point or 2 can make a big difference over the life of the loan.
    • Your credit score has improved. If you had a few negatives on your credit report — or had no history of credit — when you bought your car, but your credit is healthier now, you may qualify for a lower interest rate. Interest rates of 18% or more for consumers with a thin credit history are common. Several months of on-time payments could entice a lender to refinance that loan at a lower rate. Steve Schooff, a former spokesman for Capital One Auto Finance, says consumers should check their credit scores before refinancing.Your credit score has a major influence on auto loan rates. Get your score for free at myBankrate.
    • You didn’t get your best rate when you purchased. Just because you had a high credit score and unblemished credit history doesn’t mean you got the best rate you could have received when you purchased the car. Dealer-sourced vehicle loans commonly carry a higher rate than the consumer deserves because the consumer simply didn’t know better. The extra money is a profit source to the dealer, like rust-proofing or extended warranties. When this is discovered after the fact, it may pay to refinance.
    • Your personal financial landscape has deteriorated. If you have had a financial setback and need to reduce your payments, refinancing could be a solution by increasing the loan term, thereby lowering the monthly payment.
    • Your car lease is expiring and you want to purchase the vehicle. When you fulfill the terms of a lease, you typically have the option to buy the vehicle.

    Finding a lender that refinances is the easiest step in the process. Credit unions do big business in vehicle loan refinancing and they have money to lend. You will need to open a checking or savings account at one if you’re not already a member.

    How much can you expect to save? According to Schooff, if one year ago you took a $25,000 auto loan for five years at 7.75% interest, refinancing the balance today at:

    • 4.75% for the remaining four years of the loan would save $1,373 — $28.60 per month.
    • 5.75% for the remaining four years of the loan would save $906 — $18.88 a month.
    • 6.75% for the remaining four years of the loan would save $448 — $9.33 a month.

    Refinancing isn’t an option for everyone. If the vehicle is worth less than the loan balance (upside down), a lender probably won’t take the chance and at the same time lower your interest rate. You can determine the current value of the vehicle through Kelley Blue Book, or KBB.com, Edmunds.com or AutoTrader.com.

    Other requirements may also disqualify you, such as the age of the vehicle and the outstanding balance to be refinanced. Capital One Auto Finance, for example, will not refinance a vehicle more than 7 years old; the amount of the loan can be no less than $7,500 and no more than $40,000.

    It’s important, Schooff says, “that consumers determine if their current auto loan has any penalties for paying off the loan early. This will impact how much they can save from refinancing.”

    Call your lender and request the current payoff amount of your loan. This is the amount of money you need to refinance. It is also the figure you’ll compare against the vehicle’s value to determine if the vehicle is worth more than the amount you need to borrow.

    There is no required amount of time from the date of the original loan until you can refinance. Actually, because of the way most auto loans are structured, the majority of the interest is paid during the first half of the term of the loan. The younger the current loan is, the more money refinancing will usually save.

    Once you know your payoff, you can determine how much refinancing can save each month by using Bankrate’s auto loan calculator to find your new payment, then subtract it from your existing payment.

    Because most refinancing loans are fairly straightforward, decisions are usually made quickly. Schooff says Capital One Auto Finance typically gives the consumer a decision by email within 24 hours of submitting the online application.

    If you find yourself upside down in your car loan and for personal reasons need to lower your payment, you may be able to persuade your current lender to modify your loan, lowering the monthly payments by extending the term of the loan or reducing the interest rate.

    It’s important to act before your payments fall behind. The earlier you open communications with your lender, the better the chance of coming to an arrangement.

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    An auto title loans are typically utilized by those that wish to obtain a funding with bad credit rating or no credit in any way. An automobile title lending frequently called a vehicle title lending or merely title funding as well as pink slip funding’s, could offer you $2,500 $25,000 in cash money, based on the equity in your car.

    There are no credit history checks to get pre-qualified. FICO scores are also not important to get qualified.You merely should have a vehicle that is paid off or nearly paid off and also, you could make use of the auto title as security to obtain the cash money you require, enabling you to continue driving your vehicle while paying your loan.There are no pre-payment charges, so you could settle and pay off the auto title loans at any time. We keep it straightforward. Call Us Now to get Approved 951 226 5874 .

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    It may look like TitleMax® is just in the business of loans on car titles. But for us, it’s much deeper than that. We’re in the business of helping people. Whether that’s through our all-credit-welcome policy, our fast approval process, or our quick turnaround time, our goal is to help you get the cash you need right when you need it most. And our customers mean a lot to us. We firmly believe that we only succeed when you succeed. That’s why we spend ample time and attention training each and every one of our TitleMax® team members. To us, it is much more than just auto title loans. It is about giving you the options you need to take care of your finances.

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    LoanAutoTitle.com

    You need financial help, and you need it now. Why not get the money you need for your expenses by applying for the kind of loan that’s perfect for the responsible car owner? Using your car’s title, you can get approval for a loan and be putting the money to good use within less time than you might expect!

    We know that credit scores can make borrowing money difficult. But with our quick and painless request process, we don’t need to worry about your scores. It all starts with you taking a couple of minutes and filling out this simple form. Once you get lender-approved, you can get the money fast from the lender.

    The loan available to you will vary from $2,500 to $50,000, depending on the equity you have in your automobile. Because of these generous amounts, our customers are usually able to secure enough money to handle the issues which sent them in search of a financial solution in the first place.

    Copyright 2012- 2017 LoanAutoTitle.com. All Rights Reserved

    Consumer Notice: A payday loan, also known as cash advance is a short-term loan given to the borrower until his or her next payday. Purpose of the payday loan is to provide the borrower a short-term financial relief. Payday loan is not a long-term financial solution. Borrowers who face debt and credit difficulties should seek out professional financial advice. Borrowers are encouraged to review local laws and regulations governing payday loans.

    Availability: This service is not available in all states. Please review local laws and regulations for availability in your particular state. The states this website services may change from time to time and without notice. All aspects and transactions on this site will be deemed to have taken place in the Saint Kitts And Nevis, regardless of where you may be accessing this site.

    Disclaimer: This website does not constitute an offer or solicitation to lend. LoanAutoTitle.com is not a lender and does not make loan or credit decisions. LoanAutoTitle.com provides a matching service only and does not control and is not responsible for the actions or inactions of any lender. LoanAutoTitle.com is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product.

    You are under no obligation to use LoanAutoTitle.com’s service to initiate contact, nor apply for credit or any loan product with any service provider or lender.

    Subject to our Privacy Policy, LoanAutoTitle.com will transfer your information to lenders in our program and other service providers and marketing companies with which we do business. LoanAutoTitle.com does not guarantee that completing an request form will result in your being matched with a lender, being offered a loan product with satisfactory rates or terms, or receiving a loan from a lender.

    Participating lenders may verify your social security number, driver license number, national ID, or any other state or federal identifications and review your information against national databases to include but not limited to Equifax, Transunion, and Experian to determine credit worthiness, credit standing and/or credit capacity. Service providers or lenders will typically not perform credit checks with the three major credit reporting bureaus: Experian, Equifax, or Trans Union. However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders, in certain circumstances. By submitting your request and information on this website, you agree to allow any and all participating lenders to verify your information and check your credit.

    Not all lenders can provide your requested loan. Cash transfer times may vary between lenders and may depend on your individual financial institution. Repayment terms vary by lenders and local laws, and not everyone will qualify for 90 day terms. In some circumstances faxing may be required. For details, questions or concerns regarding your cash advance, please contact your lender directly.

    Auto Loan Calculator, loan calculator auto.#Loan #calculator #auto


    Auto Loan Calculator

    Loan calculator auto

    $372.86 / Month

    The Auto Loan Calculator considers the most vital factors in order to calculate auto loan information. It assumes that the full purchase price is accounted for whether as down payment or part of the loan, along with any fees involved. If only the monthly payment for any auto loan is given, use the Monthly Payments tab (reverse auto loan) to calculate the actual vehicle purchase price and other auto loan information.

    Important: Tax and fee procedures apply to car purchases within the US only. Foreigners may still use the calculator, but please adjust accordingly.

    There are different definitions for different prices when it comes to car buying such as MSRP (manufacturer’s suggested retail price), selling price, blue book price, and dealer price. For any recently purchased or sold car, input the final selling price as the “Auto Price” figure. For hypothetical loans involving cars not being bought or sold, use blue book prices to arrive at close estimates for the values of the cars.

    Purchases of cars usually come with costs other than the purchase price. Car buyers with low credit scores might be forced to pay the hefty fees upfront. The following is a list of common fees associated with car purchases in the US.

    • Sales Tax Most states in the US collect sales tax for auto purchases.
    • Document Fees This is a fee collected by the dealer for processing documents like title and registration. Typically, they run between $150 and $300.
    • Title and Registration Fees This is the fee collected by states for vehicle title and registration. Most states charge less than $300 for title and registration.
    • Advertising Fees This is a fee that the regional dealer pays for promoting the manufacturer’s automobile in the dealer’s area. If not charged separately, advertising fees are included in the auto price. A typical price tag for this fee is a few hundred dollars.
    • Destination Fee This is a fee that covers the shipment of the vehicle from the plant to the dealer’s office. This fee is usually between $600 and $1,000.
    • Insurance In the US, auto insurance is strictly mandatory to be regarded as a legal driver on public roads and is usually required before dealers can process paperwork. When a car is purchased via loan and not cash, full coverage insurance is mandatory. Auto insurance can possibly run more than $1,000 a year for full coverage. Most auto dealers can provide short-term (1 or 2 months) insurance for paper work processing so new car owners can deal with proper insurance later.

    Important: If the fees are bundled into the auto loan, remember to check the box ‘Include All Fees in Loan’. If they are paid upfront instead, leave it unchecked.

    Quick Tip 1: Should an auto dealer package any mysterious special charges into a car purchase, please demand justification and thorough explanations for their inclusion. This is not to say that well-intentioned car salesmen don’t exist, but there is a reason why this particular group of people get a bad rap as some of the most untrustworthy and scheming around. After all, their mission is to squeeze as much profit out of a potential car selling scenario as possible.

    Auto Loans

    Many people cannot afford to purchase cars with straight cash, so they turn to auto loans instead. They work as any generic, secured loan from a financial institution does with a typical term of 36 or 60 months. Each month, repayment of principal and interest must be paid to auto loan lenders from borrowers, excluding other mandatory fees and taxes (unless they have been intentionally included into the loan). Money borrowed from a lender that isn’t paid back can legally entitle a car to being repossessed.

    Direct Lending vs. Dealership Financing

    There are two financing options available: direct lending or dealership financing. With the former, it comes in the form of a typical loan originating from a bank, credit union, or financial institution. Getting pre-approved through a credit union is usually the best option and offers the lowest rates, especially for lifelong, good standing members.

    Quick Tip 2: To aid ability to negotiate the best deals, take steps towards achieving healthier credit scores before taking out large loans for car purchases. Free annual credit reports can be requested from one of the three credit agencies: Equifax, Experian, and TransUnion.

    Once a contract has been entered with a car dealer to buy a vehicle, the loan is used from the direct lender to pay for it. Dealership financing is somewhat similar except that the paperwork is done through them instead. The contract is retained by the dealer, but is sold to a bank or other financial institution called an assignee that ultimately services the loan.

    Quick Tip 3: Direct lending usually offers more flexibility because there is competition between involved lenders to offer the best interest rates to the borrower, and rates tend to be better. It also provides more leverage for someone to walk into a car dealer with most of the financing done on their terms, as it places further stress on the car dealer to compete with a better rate. Getting pre-approved doesn’t tie car buyers down to any one dealership, and their propensity to simply walk away is much higher. With dealer financing, the potential car buyer has fewer choices, though it’s there for convenience for anyone who doesn’t want to waste time shopping around.

    Quick Tip 4: It can be helpful for prospective car buyers to determine how much they can afford to spend on a car and what types of cars are within their budget before actually heading to a dealership. Knowing what kind of vehicle is desired will make it easier to research and find the best deals that suits a buyer’s needs. Once a particular make and model is chosen, it can be important to have some typical going rates in mind to enable effective negotiations with a car dealer. Car dealers, like many businesses, want to make as much money as possible from a sale, but often, given enough negotiation, are willing to sell a car for significantly less than the price they initially offer. Depending on whether a buyer chooses to pay for the vehicle with monthly payments, the “Monthly Payment” tab of our Auto Loan Calculator can be used to calculate the “true” cost of the car. A monthly payment option often ends up being more expensive than buying the car outright. However, if buying the car outright is not an option, it is up to the buyer’s discretion to determine whether the need for a car sooner justifies the additional cost of making monthly payments rather than saving until a later date to avoid said monthly payments. Furthermore, although the allure of a new car is understandable, buying a pre-owned car even if only a few years removed from new can usually result in significant savings, and is an option that prospective car buyers can consider.

    Trade-in Value

    Don’t expect too much value when trading in old cars to dealerships as credit towards newer car purchases; exchange rates tend to float somewhere akin to auction house levels, way below blue book values. Selling old cars privately beforehand and using the funds for future car purchases tends to result in a more financially-desirable outcome. However, convenience is important for many people and they choose to simply trade them in to dealerships during new car purchases.

    Within the states that collect sales tax on auto purchases, most of them collect based on the difference between the new car and trade-in price. For a $25,000 new car purchase with a $10,000 valued trade-in, the tax paid on the new purchase with an 8% tax rate is:

    $25,000 – $10,000 = $15,000 8% = $1,200

    This is the default method by which the Auto Loan Calculator will calculate sales tax in accordance with Trade-in Value. However, some states do not offer any sales tax reduction with trade-ins, and they are:

    Using the same example above, whereas if the new car was purchased in one of the places above without a sales tax reduction for trade-ins, the sales tax would be:

    This comes out to be an $800 difference, enticing more people in these places to sell cars to private parties instead.

    Vehicle Rebates

    Dealers may offer vehicle rebates to further incentivize buyers. When car manufacturers are pressured into getting rid of cars at lower profit margins, it can be inferred that they probably use rebates as a means of doing so.

    Depending on the state, they may or may not be taxed accordingly. For example, purchasing a vehicle at $30,000 with a cash rebate of $2,000 will have sales tax calculated based on the original price of $30,000, not $28,000. Luckily, a good portion of states do not do this and don’t tax cash rebates. They are Alaska, Arizona, Delaware, Iowa, Kansas, Kentucky, Louisiana, Massachusetts, Minnesota, Missouri, Montana, Nebraska, New Hampshire, Oklahoma, Oregon, Pennsylvania, Rhode Island, Texas, Utah, Vermont, and Wyoming.

    Generally, only purchases of new cars are offered rebates because of how uniform and consistent each new car is. Dealers know exactly to the cent where the breakeven point is and if they are still a wide margin over, they can incentivize a potential car buyer by offering a rebate. While some used car dealers do offer cash rebates, they are a rarity due to the difficulty of arriving at true value.

    Quick Tip 5: New cars depreciate as soon as they are driven off the lot, sometimes by more than 10% of their values; this is called off-the-lot depreciation.

    Auto Refinance Calculator – Will Refinancing Save You Money, Calculators by CalcXML, auto loan payoff calculator.#Auto #loan #payoff #calculator


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    Should I refinance my auto loan at a lower rate?

    Without increasing the term remaining on your existing loan, you will be able to save interest with a new loan at a lower rate. Use this auto refinance calculator to determine the monthly savings that could be realized by refinancing your auto loan at a lower rate yet keep the same remaining term.

    Auto loan payoff calculator

    This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

    Auto loan payoff calculatorAuto loan payoff calculator

    Auto Loan Calculator, auto loan payoff calculator.#Auto #loan #payoff #calculator


    Auto Loan Calculator

    Auto loan payoff calculator

    $372.86 / Month

    The Auto Loan Calculator considers the most vital factors in order to calculate auto loan information. It assumes that the full purchase price is accounted for whether as down payment or part of the loan, along with any fees involved. If only the monthly payment for any auto loan is given, use the Monthly Payments tab (reverse auto loan) to calculate the actual vehicle purchase price and other auto loan information.

    Important: Tax and fee procedures apply to car purchases within the US only. Foreigners may still use the calculator, but please adjust accordingly.

    There are different definitions for different prices when it comes to car buying such as MSRP (manufacturer’s suggested retail price), selling price, blue book price, and dealer price. For any recently purchased or sold car, input the final selling price as the “Auto Price” figure. For hypothetical loans involving cars not being bought or sold, use blue book prices to arrive at close estimates for the values of the cars.

    Purchases of cars usually come with costs other than the purchase price. Car buyers with low credit scores might be forced to pay the hefty fees upfront. The following is a list of common fees associated with car purchases in the US.

    • Sales Tax Most states in the US collect sales tax for auto purchases.
    • Document Fees This is a fee collected by the dealer for processing documents like title and registration. Typically, they run between $150 and $300.
    • Title and Registration Fees This is the fee collected by states for vehicle title and registration. Most states charge less than $300 for title and registration.
    • Advertising Fees This is a fee that the regional dealer pays for promoting the manufacturer’s automobile in the dealer’s area. If not charged separately, advertising fees are included in the auto price. A typical price tag for this fee is a few hundred dollars.
    • Destination Fee This is a fee that covers the shipment of the vehicle from the plant to the dealer’s office. This fee is usually between $600 and $1,000.
    • Insurance In the US, auto insurance is strictly mandatory to be regarded as a legal driver on public roads and is usually required before dealers can process paperwork. When a car is purchased via loan and not cash, full coverage insurance is mandatory. Auto insurance can possibly run more than $1,000 a year for full coverage. Most auto dealers can provide short-term (1 or 2 months) insurance for paper work processing so new car owners can deal with proper insurance later.

    Important: If the fees are bundled into the auto loan, remember to check the box ‘Include All Fees in Loan’. If they are paid upfront instead, leave it unchecked.

    Quick Tip 1: Should an auto dealer package any mysterious special charges into a car purchase, please demand justification and thorough explanations for their inclusion. This is not to say that well-intentioned car salesmen don’t exist, but there is a reason why this particular group of people get a bad rap as some of the most untrustworthy and scheming around. After all, their mission is to squeeze as much profit out of a potential car selling scenario as possible.

    Auto Loans

    Many people cannot afford to purchase cars with straight cash, so they turn to auto loans instead. They work as any generic, secured loan from a financial institution does with a typical term of 36 or 60 months. Each month, repayment of principal and interest must be paid to auto loan lenders from borrowers, excluding other mandatory fees and taxes (unless they have been intentionally included into the loan). Money borrowed from a lender that isn’t paid back can legally entitle a car to being repossessed.

    Direct Lending vs. Dealership Financing

    There are two financing options available: direct lending or dealership financing. With the former, it comes in the form of a typical loan originating from a bank, credit union, or financial institution. Getting pre-approved through a credit union is usually the best option and offers the lowest rates, especially for lifelong, good standing members.

    Quick Tip 2: To aid ability to negotiate the best deals, take steps towards achieving healthier credit scores before taking out large loans for car purchases. Free annual credit reports can be requested from one of the three credit agencies: Equifax, Experian, and TransUnion.

    Once a contract has been entered with a car dealer to buy a vehicle, the loan is used from the direct lender to pay for it. Dealership financing is somewhat similar except that the paperwork is done through them instead. The contract is retained by the dealer, but is sold to a bank or other financial institution called an assignee that ultimately services the loan.

    Quick Tip 3: Direct lending usually offers more flexibility because there is competition between involved lenders to offer the best interest rates to the borrower, and rates tend to be better. It also provides more leverage for someone to walk into a car dealer with most of the financing done on their terms, as it places further stress on the car dealer to compete with a better rate. Getting pre-approved doesn’t tie car buyers down to any one dealership, and their propensity to simply walk away is much higher. With dealer financing, the potential car buyer has fewer choices, though it’s there for convenience for anyone who doesn’t want to waste time shopping around.

    Quick Tip 4: It can be helpful for prospective car buyers to determine how much they can afford to spend on a car and what types of cars are within their budget before actually heading to a dealership. Knowing what kind of vehicle is desired will make it easier to research and find the best deals that suits a buyer’s needs. Once a particular make and model is chosen, it can be important to have some typical going rates in mind to enable effective negotiations with a car dealer. Car dealers, like many businesses, want to make as much money as possible from a sale, but often, given enough negotiation, are willing to sell a car for significantly less than the price they initially offer. Depending on whether a buyer chooses to pay for the vehicle with monthly payments, the “Monthly Payment” tab of our Auto Loan Calculator can be used to calculate the “true” cost of the car. A monthly payment option often ends up being more expensive than buying the car outright. However, if buying the car outright is not an option, it is up to the buyer’s discretion to determine whether the need for a car sooner justifies the additional cost of making monthly payments rather than saving until a later date to avoid said monthly payments. Furthermore, although the allure of a new car is understandable, buying a pre-owned car even if only a few years removed from new can usually result in significant savings, and is an option that prospective car buyers can consider.

    Trade-in Value

    Don’t expect too much value when trading in old cars to dealerships as credit towards newer car purchases; exchange rates tend to float somewhere akin to auction house levels, way below blue book values. Selling old cars privately beforehand and using the funds for future car purchases tends to result in a more financially-desirable outcome. However, convenience is important for many people and they choose to simply trade them in to dealerships during new car purchases.

    Within the states that collect sales tax on auto purchases, most of them collect based on the difference between the new car and trade-in price. For a $25,000 new car purchase with a $10,000 valued trade-in, the tax paid on the new purchase with an 8% tax rate is:

    $25,000 – $10,000 = $15,000 8% = $1,200

    This is the default method by which the Auto Loan Calculator will calculate sales tax in accordance with Trade-in Value. However, some states do not offer any sales tax reduction with trade-ins, and they are:

    Using the same example above, whereas if the new car was purchased in one of the places above without a sales tax reduction for trade-ins, the sales tax would be:

    This comes out to be an $800 difference, enticing more people in these places to sell cars to private parties instead.

    Vehicle Rebates

    Dealers may offer vehicle rebates to further incentivize buyers. When car manufacturers are pressured into getting rid of cars at lower profit margins, it can be inferred that they probably use rebates as a means of doing so.

    Depending on the state, they may or may not be taxed accordingly. For example, purchasing a vehicle at $30,000 with a cash rebate of $2,000 will have sales tax calculated based on the original price of $30,000, not $28,000. Luckily, a good portion of states do not do this and don’t tax cash rebates. They are Alaska, Arizona, Delaware, Iowa, Kansas, Kentucky, Louisiana, Massachusetts, Minnesota, Missouri, Montana, Nebraska, New Hampshire, Oklahoma, Oregon, Pennsylvania, Rhode Island, Texas, Utah, Vermont, and Wyoming.

    Generally, only purchases of new cars are offered rebates because of how uniform and consistent each new car is. Dealers know exactly to the cent where the breakeven point is and if they are still a wide margin over, they can incentivize a potential car buyer by offering a rebate. While some used car dealers do offer cash rebates, they are a rarity due to the difficulty of arriving at true value.

    Quick Tip 5: New cars depreciate as soon as they are driven off the lot, sometimes by more than 10% of their values; this is called off-the-lot depreciation.

    Car Loan Calculator, Auto Loan Calculator, auto loan calc.#Auto #loan #calc


    Car Loan Calculator

    Auto loan calc

    Auto loan calc

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    Disclaimer

    Whilst every effort has been made in building the car loan calculator tool, we are not to be held liable for any special, incidental, indirect or consequential damages or monetary losses of any kind arising out of or in connection with the use of the calculator tools and information derived from the web site. This tool is here purely as a service to you, please use it at your own risk.

    The calculations given by the car loan calculator tool are only a guide. Please speak to an independent financial advisor for professional guidance. Read the full disclaimer.

    Why take out a car loan?

    When it comes to financing a new car, there are a number of options available to you – outright purchase, personal loan, leasing, hire purchase or dealer financing. It’s advisable to read up on the pros and cons of each of these before deciding upon the best one for you. Articles such as this one on What Car’s website may help you make the decision. Should you be considering taking out a different type of loan, give our standard loan calculator a try.

    What is the car loan calculator?

    Auto loan calc

    This calculator helps you fully work out the costs associated with purchasing a car/auto on credit. Once you have entered the amount, the interest rate and the period of the loan, the calculator will produce some important figures, allowing you to assess the loan.

    The first key figure given to you will be the total cost for the car loan, including all of the interest. You will then be presented with the regular payments and the total interest that you stand to pay.

    As an additional feature, the car loan calculator breaks down the monthly payments, showing you how much of the monthly payment is for the capital and how much is interest, together with the balance remaining at that point in time.

    From all of this information you should be able to gauge whether you think it is worthwhile going ahead with the car loan or not.

    What is a balloon payment?

    A balloon payment is a large, lump-sum payment made at the end of a long-term loan. It is commonly used in car finance loans as a way of reducing monthly repayment figures. Be aware that once you reach the end of your loan period, that balloon amount becomes payable. You can learn more about balloon payments in our article, What is a balloon payment?.

    What is the formula for this calculator?

    This calculator uses the following formula:

    Monthly payment = [rate + rate / ( (1+rate) ^ months -1) ] x principal car loan amount

    If you have any problems using this car finance calculation tool then please contact me.

    Current Loan Rates, Fidelity Savings and Loan, current auto loan rates.#Current #auto #loan #rates


    Click on Menu

    Before you judge loan rates, Fidelity Savings would suggest that you consider the following question:

    Is comparing APRs the best way to decide which lender has the lowest rates and fees?

    The Federal Truth-in-Lending Act requires that all financial institutions disclose the Annual Percentage Rate (APR) when they advertise a rate. The APR is designed to present the actual cost of obtaining financing, by requiring that some of the closing fees charged at the loan settlement and closing be included, in addition to the interest rate, to determine the cost of financing over the full term of the loan.

    For Adjustable Rate Mortgages (ARMS), the APR can be complex. Since no one knows exactly what market conditions will be in the future, assumptions must be made regarding future rate adjustments

    You can use the APR as a guideline to shop for loans but you should not depend solely on the APR in choosing the loan program that is best for you. Also, the APR does not include all the closing costs. Look at total fees, possible rate adjustments in the future if you are comparing ARMS, and consider the length of time that you plan on having the mortgage financing for your home, etc.

    Don t forget that the APR is an effective interest rate not the actual interest rate. Your monthly payments will be based on the actual interest rate, the amount you borrow, and the term of your loan.

    Fidelity Savings accessible and experienced loan officers are glad to meet with you, without obligation, to help you evaluate alternative loan products and the financial impact on your monthly income. Fidelity Savings is recognized for its continued customer service both during and after the loan is granted. Fidelity Savings success in its community is seen through helping those with borrowing and deposit needs from today s generation, their parents and their grand-parents before them. Fidelity Savings is recognized for being a banking tradition since 1885. We can make a difference, Let us show you how!

    Rates are accurate as of 11/13/2017. All rates are subject to change and are stated as of the date listed above. If you would like current rate information after the rate effective date, please call Fidelity Savings’ experienced Loan Officers at 215-788-0448 for more information on Loan Products, or Contact Us to send your communication to us.

    Current Auto Loan Interest Rates, best auto loan rates.#Best #auto #loan #rates


    Current Auto Loan Interest Rates

    Estimate your monthly payment with a car loan calculator.

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    Maximize Your Money. Get Expert Advice Tools. Master Life’s Financial Journey.

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    Our tools, rates and advice help no matter where you are on life’s financial journey.

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    BarNone was founded in 1995 for the purpose of helping the millions of working people who, because of credit discrepancies, are not able to obtain auto loans to purchase a quality vehicle in a “conventional” manner. BarNone has offices in Michigan and California and maintains a 24-hour call center.

    When you’re looking for an auto loan, it pays to shop around. BarNone helps you compare auto loan rates and loan terms from multiple lenders. Compare different types of automobile loans, including new car loans, used car loans, and refinancing options, whether you’re buying from a dealer, or a private seller.

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    At Bad Credit Loan Center ™ we believe in second chances. We know that good people do fall on hard times and in this economy it s not easy to find help.

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    If you re looking for an auto loan, debt consolidation, bad credit personal loans or credit cards please use the navigation bar at the top of this page. For more information about us or loans for bad credit please visit the about link in the footer of this page.

    Bad credit loans should be used responsibly. You will be required to repay your loan on time to avoid extra interest or fees. Personal loans for people with bad credit that offer monthly payments may be available please consult your lender.

    Loans are not available in all states even if you apply on the internet. All short term lenders have the right to run your credit if they deem it necessary.

    Bad credit auto loan

    3 Simple Steps to Obtain Your Loan

    Bad credit auto loanPre Qualify: To pre-qualify for payday loans online you must have income of $1000 dollars per month and be at least 18 years old. Your income can come from a job, benefits, disability or anything along those lines.

    Bad credit auto loanComplete the Application: We utilize a short and easy fast loan advance application. It only takes a couple minutes to complete! It doesn t get any easier than this to get up to $1000 dollars today.

    Bad credit auto loanGet Your Cash: Once a lender match is found and you re approved your payday loans will be deposited the same business day if time permits. It usually only takes a few hours from application to cash in hand!

    Auto Loans – New and Used Car Loan Financing – Rates, Calculators, Resources, auto loan.#Auto #loan


    Auto Loans – That’s Who We Are!

    For over 20 years we’ve been telling everyone, auto loans are all we do. Our mission is simple; make it as easy as possible to get a car loan online while being a national leader in online vehicle financing. Since we first went online in 1999, we’ve been Driving Approval across the country with more than 5 million auto loan applications processed. We have a national auto loan network which allows us to get you the best interest rate your credit score will allow. Our no obligation auto loan application is simple, fast, and secure – so there’s never been a better time to get an auto loan and buy a car than today.

    Car Loan Experts With Experience

    The service we provide at AutoLoan.com is second to none! We know each customer is unique and has their own hurdles to overcome, but that’s why we’re here. We have been providing our service for so long, each of our vehicle financing experts feels like they’ve seen it all. We know they haven’t seen every situation, but we’re so confident that we can help you overcome those obstacles and get a car loan, we’re willing to stake our reputation on it every single day.

    We take care of all the leg work and you get the best possible vehicle financing. Our application is so easy that it takes only minutes to complete. The basic requirements are minimal, there’s no obligation and best of all, it’s a free pre approval. Whether you need a 48, 60 or 72 month auto loan, let us do what we do best – get you an auto loan!

    Bad Credit Auto Loans?

    Each of our bad credit auto loan specialists understand you don’t have time to sit around and wait for a phone call that may never come, that’s why we keep you in the loop through the entire process. Finding the best auto loan rates for each applicant is a goal that we take seriously. Every single person that applies for a bad credit car loan online with AutoLoan.com is matched with perfect lender for their situation.

    Although it may seem like you can only buy a used car with bad credit, it’s not always the truth. Often times people with less than perfect credit will qualify for enoough of a loan that a new car deal may be better. By applying at AutoLoan.com you can be sure that you’re getting the possible interest rates for bad credit and driving a car you can afford.

    Car Loan Resources

    Everyone like to do as much research as possible before they make any type of large purchase. We understand that at AutoLoan.com. We want to make our years of knowledge avaiable to anyone that likes to do as much research as we do.

    Get enough research? Are you ready to apply today and drive away in your new car tomorrow?

    Credit Union Vehicle Loans – Financing, RBFCU, auto loan.#Auto #loan


    Other Vehicle Loans

    Whatever type of vehicle you need, RBFCU has the right financing options for you. We offer loans on several vehicles including motorcycles, boats (excluding yachts), RVs, ATVs and personal watercrafts. We also offer loans for specialized collateral, like farm equipment, tractors, trailers and more. And, if you want to refinance from another institution, you can take advantage of our low rates.

    Just complete the online application in a few simple steps.

    Ready to apply for a loan? Here s what you ll need to complete the application:

    • The amount you would like to borrow
    • The number of years you want to finance your loan (term length)
    • Your current employment and income information
    • Your phone number and email
    • Information for joint borrowers you plan to include on the auto loan (including date of birth, address, income and employment, Social Security number and contact information; if applicable)

    Auto loan

    Calculators

    • Auto loan Should I use a home equity loan instead of a vehicle loan?

    Looking for a loan for a car or truck?

    We have great rates on auto loans, whether you want to buy new, used or refinance. Apply online now, or visit our Auto Loans page for additional details.

    Auto loan

    Auto loan FAQs

    Loans are subject to credit approval. Your specific rate and term will be dependent upon your credit rating and other factors. Rates and terms subject to change without notice. Some restrictions may apply. Contact our Consumer Lender Center for more details.

    With high-value products and services, Randolph-Brooks Federal Credit Union (RBFCU) is a trusted financial partner for thousands of members in Texas, as well as around the world. RBFCU offers all the banking services you would expect from a leading credit union, and we’ve also made it our mission to help improve our members’ economic well-being and quality of life. Our commitment to personalized service makes RBFCU membership the smarter banking choice.

    Any alternate website that you visit by a link from RBFCU’s website is solely the responsibility of that entity. Third-party links accessed from this site are provided for the convenience of RBFCU members. RBFCU is not responsible for the content of the alternate web site and does not represent either the third party or the member if the two enter into a transaction. Privacy and security policies on the third-party site may differ from those practiced by RBFCU.

    If you are using a screen reader and are having problems using this website, please call 1-800-580-3300 for assistance.

    Contact us today or stop by a local branch to find out how you can become a member.

    Auto loanFederally Insured by NCUA. Equal Housing Lender. Auto loan

    Randolph-Brooks Federal Credit Union 2017.

    How Refinancing Works: Pros and Cons of New Loans, refinancing auto loan.#Refinancing #auto #loan


    Learn About Refinancing: Pros and Cons of Replacing a Loan

    Refinancing auto loan

    If you have a loan that’s too expensive or too risky to live with, you can often refinance into a better loan. Things may have changed since you borrowed money, and there may be several ways to improve the terms of your loan. Whether you’ve got a home loan, auto loans, or other debt, refinancing allows you to shift the debt to a better place.

    What is Refinancing?

    Refinancing is the process of replacing an existing loan with a new loan.

    The new loan pays off the current debt, so that debt is not eliminated when you refinance. However, the new loan should have better terms or features that improve your finances. The details depend on the type of loan and your lender, but the process typically looks like this:

    1. You have an existing loan that you would like to improve in some way.
    2. You find a lender with better loan terms, and you apply for the new loan.
    3. The new loan pays off the existing debt completely.
    4. You make payments on the new loan until you pay it off or refinance.

    Why People and Businesses Refinance

    Refinancing is time-consuming, it can be expensive, and a new loan might be missing attractive features that an existing loan offers. So why go through the process? There are several potential benefits to refinancing.

    Save money: A common reason for refinancing is to save money on interest costs. To do so, you typically need to refinance into a loan with an interest rate that is lower than your existing interest rate.

    Especially with long-term loans and large dollar amounts, lowering the interest rate can result in significant lifetime interest savings.

    Lower payments: Refinancing can lead to lower required monthly payments. The result is easier cash flow management and more money available in the budget for other monthly expenses.

    When you refinance, you often restart the clock and extend the amount of time you’ll take repay a loan. Since your balance is most likely smaller than your original loan balance and you have more time to repay, the new monthly payment should decrease.

    A lower interest rate (with all other things staying the same) can also lead to lower monthly payments. However, simply extending the life of a loan can actually mean you’ll pay more for the loan over the long term. To see how interest rates and your loan term affect cash monthly flow, see how to calculate loan payments.

    Shorten the loan term: Instead of extending repayment, you can also refinance into a shorter term loan. For example, you might have a 30-year home loan, and that loan can be refinanced into a 15-year home loan. That move might make sense if you want to make larger payments to get rid of the debt more quickly. Of course, you can also just make extra payments without refinancing. Making larger payments without refinancing would help you avoid paying closing costs and keep some flexibility (you can pay more than the minimum, but you don’t have to if something comes up).

    Consolidate debts: If you have multiple loans, it might make sense to consolidate those loans into one single loan—especially if you can get a lower interest rate.

    It’ll be easier to keep track of payments and loans, but consolidating can cause problems (see below).

    Change your loan type: Even if you don’t lower your interest rate or monthly payment, it can make sense to refinance for other reasons. For example, if you have a variable-rate loan, you might prefer to switch to a loan with a fixed rate. A fixed interest rate could offer protection if rates are currently low, but expected to rise.

    Pay off a loan that’s due: Some loans, particularly balloon loans, have to be repaid on a specific date. But you might not have the funds available a large lump-sum payment. In those cases, it might make sense to refinance the loan—using a new loan to fund the balloon payment—and take more time to pay off the debt.

    For example, some business loans are due after just a few years, but they can be refinanced into longer-term debt after the business has established itself and shown a history of making on-time payments.

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    Disadvantages of Refinancing a Loan

    Refinancing is not always a wise move. Even if you secure a lower interest rate or lower monthly payment, it could be a mistake to get rid of existing loans. Evaluate the pros and cons carefully before you move forward.

    Transaction costs: Refinancing can be expensive. Especially with loans like home loans, you’ll pay closing costs which can add up to thousands of dollars. You want to make sure you’ll more than break even before you pay those costs. Other types of loans, including loans from online lenders, can include processing and origination fees.

    Higher interest costs: Refinancing can backfire. When you stretch out loan payments over an extended period, you pay more interest on your debt. You might enjoy lower monthly payments, but that benefit can be offset by the higher lifetime cost of borrowing. Run some numbers to see how much it really costs you to refinance. Do a quick loan amortization to see how your interest costs change with different loans.

    Lost benefits: Some loans have useful features that will be eliminated if you refinance. For example, federal student loans are more flexible than private student loans if you fall on hard times. Plus, federal loans might be forgiven if your career involves public service. Likewise, keeping a fixed-rate loan might be ideal if interest rates skyrocket—even though you’d temporarily get a lower rate with a variable rate loan.

    What Doesn’t Change

    When you refinance, some things change, and some things don’t.

    Debt: Your loan balance will not change. You’ll still have the same amount—unless you take on more debt while refinancing. It’s possible to do cash-out refinancing or roll your closing costs into your loan, but that just increases your debt burden.

    Collateral: If you used collateral for the loan, that collateral will probably still be at stake (and required) for the new loan. For example, refinancing your home loan means you could still lose the home in foreclosure if you don’t make payments. Likewise, your car can be repossessed with most auto loans. Unless you refinance into a personal unsecured loan, the collateral is at risk. In some cases, you can actually increase the risk to your collateral when you refinance. Some states allow non-recourse home loans to become recourse loans after refinancing.

    Payments: You still have to make payments, but in most cases, your monthly payment will change when you refinance. You’ve got a brand new loan, and the payments are calculated with that loan balance, term, and interest rate. To avoid getting caught by surprise, learn how to model a loan yourself (it’s easy with free online spreadsheets).

    Refinancing Auto Loans – Small Business Loan Data, refinancing auto loan.#Refinancing #auto #loan


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    Refinance Auto Loan – When to Refinance Your Car Loan, refinancing auto loan.#Refinancing #auto #loan


    Refinance auto loan – When to refinance your car loan

    Refinancing auto loan

    With interest rates remaining so low, an auto loan refinance may have crossed your mind — and it could be a good idea.

    Doing so could save hundreds of dollars each year and sometimes thousands over the life of the loan.

    If your current car loan interest rate is above 6%, you might want to investigate refinancing.

    Unlike refinancing your mortgage or even consolidating credit card balances, refinancing your vehicle loan is usually quick, easy and painless. No appraisal will be required. And usually there are minimal, if any, fees.

    But refinancing is not for everyone. It makes sense if, since the original loan, you find yourself in one or more of these five situations:

    • Interest rates have dropped. If interest rates have dropped more than a couple of points since purchasing your vehicle, you could save some money. In this case, loans at refi rates are considered used car loans and as such, the rates usually are higher than new car loans. Remember, even a percentage point or 2 can make a big difference over the life of the loan.
    • Your credit score has improved. If you had a few negatives on your credit report — or had no history of credit — when you bought your car, but your credit is healthier now, you may qualify for a lower interest rate. Interest rates of 18% or more for consumers with a thin credit history are common. Several months of on-time payments could entice a lender to refinance that loan at a lower rate. Steve Schooff, a former spokesman for Capital One Auto Finance, says consumers should check their credit scores before refinancing.Your credit score has a major influence on auto loan rates. Get your score for free at myBankrate.
    • You didn’t get your best rate when you purchased. Just because you had a high credit score and unblemished credit history doesn’t mean you got the best rate you could have received when you purchased the car. Dealer-sourced vehicle loans commonly carry a higher rate than the consumer deserves because the consumer simply didn’t know better. The extra money is a profit source to the dealer, like rust-proofing or extended warranties. When this is discovered after the fact, it may pay to refinance.
    • Your personal financial landscape has deteriorated. If you have had a financial setback and need to reduce your payments, refinancing could be a solution by increasing the loan term, thereby lowering the monthly payment.
    • Your car lease is expiring and you want to purchase the vehicle. When you fulfill the terms of a lease, you typically have the option to buy the vehicle.

    Finding a lender that refinances is the easiest step in the process. Credit unions do big business in vehicle loan refinancing and they have money to lend. You will need to open a checking or savings account at one if you’re not already a member.

    How much can you expect to save? According to Schooff, if one year ago you took a $25,000 auto loan for five years at 7.75% interest, refinancing the balance today at:

    • 4.75% for the remaining four years of the loan would save $1,373 — $28.60 per month.
    • 5.75% for the remaining four years of the loan would save $906 — $18.88 a month.
    • 6.75% for the remaining four years of the loan would save $448 — $9.33 a month.

    Refinancing isn’t an option for everyone. If the vehicle is worth less than the loan balance (upside down), a lender probably won’t take the chance and at the same time lower your interest rate. You can determine the current value of the vehicle through Kelley Blue Book, or KBB.com, Edmunds.com or AutoTrader.com.

    Other requirements may also disqualify you, such as the age of the vehicle and the outstanding balance to be refinanced. Capital One Auto Finance, for example, will not refinance a vehicle more than 7 years old; the amount of the loan can be no less than $7,500 and no more than $40,000.

    It’s important, Schooff says, “that consumers determine if their current auto loan has any penalties for paying off the loan early. This will impact how much they can save from refinancing.”

    Call your lender and request the current payoff amount of your loan. This is the amount of money you need to refinance. It is also the figure you’ll compare against the vehicle’s value to determine if the vehicle is worth more than the amount you need to borrow.

    There is no required amount of time from the date of the original loan until you can refinance. Actually, because of the way most auto loans are structured, the majority of the interest is paid during the first half of the term of the loan. The younger the current loan is, the more money refinancing will usually save.

    Once you know your payoff, you can determine how much refinancing can save each month by using Bankrate’s auto loan calculator to find your new payment, then subtract it from your existing payment.

    Because most refinancing loans are fairly straightforward, decisions are usually made quickly. Schooff says Capital One Auto Finance typically gives the consumer a decision by email within 24 hours of submitting the online application.

    If you find yourself upside down in your car loan and for personal reasons need to lower your payment, you may be able to persuade your current lender to modify your loan, lowering the monthly payments by extending the term of the loan or reducing the interest rate.

    It’s important to act before your payments fall behind. The earlier you open communications with your lender, the better the chance of coming to an arrangement.

    Refinancing a Car Through SCCU is Fast, Easy and Convenient, Space Coast Credit Union, auto loan refinancing.#Auto #loan #refinancing


    Member Rewards

    Premier, Elite, and Diamond Eite Members receive a discounted auto service agreement.

    Refinancing a Car: Benefits

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    • Benefits
    • Reviews
    • Rates

    Save money when you lower your auto loan rate or monthly payment with an auto loan refinance from SCCU. Refinancing your auto loan from another lender is fast, easy, and convenient.

    • Same low credit union rates 1 for auto loan refinances and purchases
    • No out of pocket costs 2
    • No payments for up to 6 months 3
    • Low cost Guaranteed Asset Protection (GAP) coverage, Payment Protection, and warranties available to add on to your loan

    All Personal Auto Loans Offer

    • No application fee
    • Terms up to 84 months 4
    • Free Online Banking Mobile Banking
    • Privacy Policy
    • Terms Conditions
    • About Us
    • Careers
    • Security Center
    • Site Map
    • Mobile Site
    • SCCU Routing Number: 263177903

    Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Flagler, Indian River, Martin, Miami-Dade, Monroe, Orange, Osceola, Palm Beach, Seminole, St. Johns, St. Lucie, or Volusia Counties in Florida.

    • Brevard: 321-752-2222
    • Broward: 954-704-5000
    • Miami-Dade: 305-882-5000
    • All Other Areas: 800-447-7228

    *APR = Annual Percentage Rate. ^APY = Annual Percentage Yield.

    Auto loan refinancing

    Space Coast Credit Union (SCCU) 2015

    Attention

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    You are being directed to www.samplesite.com, a website not operated by SCCU. SCCU is not responsible for the content of the alternate website. SCCU does not represent either the third party or the member if the two parties enter into a transaction. Privacy and security policies may differ from those practiced by SCCU.

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    Member Rewards

    Member Rewards is an exclusive Space Coast Credit Union program that provides benefits such as free or discounted services based on your level of participation in the credit union.

    • Gold members may order one FREE box of SCCU logo checks per year.
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    Learn more about the Member Rewards program.

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    Auto Refinance – Bad Credit Auto Loan Refinance, auto loan refinancing.#Auto #loan #refinancing


    Auto Refinance Bad Credit Car Refinance Easy Auto Loan Refinance

    If you’re not completely happy with your current auto loan, you may be able to do a refinance auto loan. This can result in a lower car payment, reduced interest rate, and even the ability to skip a car payment.

    Auto loan refinancing

    Is Refinancing Right for Me?

    A refi car loan is not ideal for everyone, but see for yourself if you are somebody who could benefit from considering automobile refinancing.

    • Are you currently paying installments on a vehicle?
    • Are you dissatisfied with some aspect of your financing arrangement?
    • Do you currently have two or more years until your vehicle is paid off?
    • Is your vehicle less than 5 years old, with under 70,000 miles?

    Why do people use this service?

    It’s simple: People may have had bad credit when financing originally, and are not happy with their current vehicle financing arrangement. They now have options that weren’t available some time ago, when the only alternative to paying the monthly installments until the vehicle was paid off was to come up with the entire balance and pay it off the hard way.

    Lower my Interest Rate

    Are you in better financial standing than you were when you first bought your wheels? Has your pay rate or salary increased since then? If so, you are a prime example of somebody who can get smaller refinance rates and save loads of cash in the end.

    Lower my Payments

    By stretching the payments out over a longer time frame, the amount of the payment itself can be reduced significantly. This can come in especially handy for people who are in serious need of saving some cash each month, but it is not necessarily the best option for everybody. Increasing the length of this type of financing will lower your monthly payment, but you will end up sending in a larger quantity of payments, and therefore will pay more for interest in the end.

    Skip a Payment

    While you are assuming a new financial agreement, you will not begin repaying until the following month. So this means while keeping the same vehicle and working towards lowering either your interest rate or your monthly payments, you now have the opportunity to skip a payment altogether. Everyone can use extra cash from time to time, and a few hundred dollars that would otherwise go towards your monthly payment can certainly be used elsewhere.

    To learn more about the services we offer, please visit our Frequently Asked Questions Page.

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    Loan Calculator

    A loan is a contract between a borrower and a lender in which the borrower receives an amount of money (principal) that they are obligated to pay back in the future. Most loans can be categorized into one of three categories:

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    Paying Back a Fixed Amount Periodically

    Use this calculator for basic calculations of common loan types such as mortgages, auto loans, student loans, or personal loans, or click the links for more detail on each.

    Results:

    Paying Back a Lump Sum Due at Loan Maturity

    Results:

    Paying Back a Predetermined Amount Due at Loan Maturity

    Use this calculator to compute the initial value of a bond/loan based on a predetermined face value to be paid back at bond/loan maturity.

    Results:

    First Calculation: Fixed Amount Paid Periodically

    Many consumer loans fall into this category. It contains regular payments that are amortized uniformly over its lifetime. Routine payments are made on principal and interest until the loan is entirely paid off, also known as the loan having matured. These are the most familiar loans such as mortgages, car loans, student loans, and personal loans. In everyday conversation, the word “loan” will refer to this type, not the type in the second or third calculation. Below is a list of loans that fall under this category, along with links to more information and calculators. Use the following for each specific need:

    Second Calculation: Single Lump Sum Due at Loan Maturity

    Many commercial loans or short-term loans are in this category. Unlike the first calculation which is amortized with payments spread uniformly over their lifetimes, these loans have a single, large lump sum due at maturity. Although the lump sum includes a single payment of interest for the whole loan, it is not simple interest but accrued by compounding over the life of the loan. As a matter of fact, this is a typical calculation of how finance textbooks teach interest accumulation. Some loans, such as balloon loans, can also have smaller routine payments during their lifetimes, but this calculation only works for loans with a single payment of all principal and interest due at maturity. Compared with smaller routine payments, there is greater risk with not being able to meet the lump sum payment obligation at the end because of how relatively large it is.

    Third Calculation: Predetermined Lump Sum Paid at Loan Maturity

    This kind of loan is rarely made except in the form of bonds. Technically, bonds are considered a form of loan, but operate differently from more conventional loans. Mainly in that the payment at loan maturity is predetermined, which is the main difference between this calculation and the second calculation, where the maturity payment is not predetermined. The face, or par value of a bond is the amount that is paid when the bond matures, assuming the bond doesn’t default. The term is used because when bonds were first issued in paper form, the amount was printed on the “face”, meaning the front of the bond certificate. Although face value is usually important just to denote the amount received at maturity, it can also help calculate coupon interest payments, which this calculation essentially does. Note that this is mainly for zero-coupon bonds, which do not have coupon payments in between. After a bond is issued, its value will fluctuate accordingly with interest rates, market forces, and many other factors. Due to this, because the face value due at maturity doesn’t change, the market price of a bond during its lifetime can fluctuate.

    Loan Basics for Borrowers

    Interest Rate

    Nearly all loan structures include interest, which is the profit that banks or lenders make on loans. Interest rate is the percentage of a loan paid by borrowers to lenders. For most loans, interest is paid in addition to principal repayment in order to compound over time. Compound interest is interest that is earned not only on initial principal, but on accumulated interest of previous periods also. Loan interest is usually expressed in APR, or annual percentage rate, in which compounding of interest is not accounted for, but fees are. The rate usually published by banks is the annual percentage yield, or APY, in which compounding interest is accounted for. It is important to understand the difference between APR and APY. Borrowers seeking loans can calculate the actual interest paid to lenders based on their given advertised rates by using our Interest Calculator.

    Compounding Frequency

    How often interest on loans compound will affect the total amount of interest paid. Generally, the more frequently compounding occurs, the higher the total amount due on the loan. In most cases, loans compound monthly as APR. Use the Compound Interest Calculator to learn more about or do calculations involving compound interest.

    Loan Term

    Terms of loans refer to how long they last, given that required minimum payments are made each month. For some specific loans such as mortgages or car loans, the terms can shorten if loan payments are accelerated. Terms can affect loan structures in many ways. Generally, the longer the term of a loan, the more interest will be accrued over time, raising the total cost of the loan for borrowers. However, because of a longer horizon to meet the debt obligation, routinely scheduled payments are lowered. Be sure not to confuse loan terms with the terms and conditions (T although T ?>

    Auto Loan Calculator, auto loan payoff calculator.#Auto #loan #payoff #calculator


    Auto Loan Calculator

    Auto loan payoff calculator

    $372.86 / Month

    The Auto Loan Calculator considers the most vital factors in order to calculate auto loan information. It assumes that the full purchase price is accounted for whether as down payment or part of the loan, along with any fees involved. If only the monthly payment for any auto loan is given, use the Monthly Payments tab (reverse auto loan) to calculate the actual vehicle purchase price and other auto loan information.

    Important: Tax and fee procedures apply to car purchases within the US only. Foreigners may still use the calculator, but please adjust accordingly.

    There are different definitions for different prices when it comes to car buying such as MSRP (manufacturer’s suggested retail price), selling price, blue book price, and dealer price. For any recently purchased or sold car, input the final selling price as the “Auto Price” figure. For hypothetical loans involving cars not being bought or sold, use blue book prices to arrive at close estimates for the values of the cars.

    Purchases of cars usually come with costs other than the purchase price. Car buyers with low credit scores might be forced to pay the hefty fees upfront. The following is a list of common fees associated with car purchases in the US.

    • Sales Tax Most states in the US collect sales tax for auto purchases.
    • Document Fees This is a fee collected by the dealer for processing documents like title and registration. Typically, they run between $150 and $300.
    • Title and Registration Fees This is the fee collected by states for vehicle title and registration. Most states charge less than $300 for title and registration.
    • Advertising Fees This is a fee that the regional dealer pays for promoting the manufacturer’s automobile in the dealer’s area. If not charged separately, advertising fees are included in the auto price. A typical price tag for this fee is a few hundred dollars.
    • Destination Fee This is a fee that covers the shipment of the vehicle from the plant to the dealer’s office. This fee is usually between $600 and $1,000.
    • Insurance In the US, auto insurance is strictly mandatory to be regarded as a legal driver on public roads and is usually required before dealers can process paperwork. When a car is purchased via loan and not cash, full coverage insurance is mandatory. Auto insurance can possibly run more than $1,000 a year for full coverage. Most auto dealers can provide short-term (1 or 2 months) insurance for paper work processing so new car owners can deal with proper insurance later.

    Important: If the fees are bundled into the auto loan, remember to check the box ‘Include All Fees in Loan’. If they are paid upfront instead, leave it unchecked.

    Quick Tip 1: Should an auto dealer package any mysterious special charges into a car purchase, please demand justification and thorough explanations for their inclusion. This is not to say that well-intentioned car salesmen don’t exist, but there is a reason why this particular group of people get a bad rap as some of the most untrustworthy and scheming around. After all, their mission is to squeeze as much profit out of a potential car selling scenario as possible.

    Auto Loans

    Many people cannot afford to purchase cars with straight cash, so they turn to auto loans instead. They work as any generic, secured loan from a financial institution does with a typical term of 36 or 60 months. Each month, repayment of principal and interest must be paid to auto loan lenders from borrowers, excluding other mandatory fees and taxes (unless they have been intentionally included into the loan). Money borrowed from a lender that isn’t paid back can legally entitle a car to being repossessed.

    Direct Lending vs. Dealership Financing

    There are two financing options available: direct lending or dealership financing. With the former, it comes in the form of a typical loan originating from a bank, credit union, or financial institution. Getting pre-approved through a credit union is usually the best option and offers the lowest rates, especially for lifelong, good standing members.

    Quick Tip 2: To aid ability to negotiate the best deals, take steps towards achieving healthier credit scores before taking out large loans for car purchases. Free annual credit reports can be requested from one of the three credit agencies: Equifax, Experian, and TransUnion.

    Once a contract has been entered with a car dealer to buy a vehicle, the loan is used from the direct lender to pay for it. Dealership financing is somewhat similar except that the paperwork is done through them instead. The contract is retained by the dealer, but is sold to a bank or other financial institution called an assignee that ultimately services the loan.

    Quick Tip 3: Direct lending usually offers more flexibility because there is competition between involved lenders to offer the best interest rates to the borrower, and rates tend to be better. It also provides more leverage for someone to walk into a car dealer with most of the financing done on their terms, as it places further stress on the car dealer to compete with a better rate. Getting pre-approved doesn’t tie car buyers down to any one dealership, and their propensity to simply walk away is much higher. With dealer financing, the potential car buyer has fewer choices, though it’s there for convenience for anyone who doesn’t want to waste time shopping around.

    Quick Tip 4: It can be helpful for prospective car buyers to determine how much they can afford to spend on a car and what types of cars are within their budget before actually heading to a dealership. Knowing what kind of vehicle is desired will make it easier to research and find the best deals that suits a buyer’s needs. Once a particular make and model is chosen, it can be important to have some typical going rates in mind to enable effective negotiations with a car dealer. Car dealers, like many businesses, want to make as much money as possible from a sale, but often, given enough negotiation, are willing to sell a car for significantly less than the price they initially offer. Depending on whether a buyer chooses to pay for the vehicle with monthly payments, the “Monthly Payment” tab of our Auto Loan Calculator can be used to calculate the “true” cost of the car. A monthly payment option often ends up being more expensive than buying the car outright. However, if buying the car outright is not an option, it is up to the buyer’s discretion to determine whether the need for a car sooner justifies the additional cost of making monthly payments rather than saving until a later date to avoid said monthly payments. Furthermore, although the allure of a new car is understandable, buying a pre-owned car even if only a few years removed from new can usually result in significant savings, and is an option that prospective car buyers can consider.

    Trade-in Value

    Don’t expect too much value when trading in old cars to dealerships as credit towards newer car purchases; exchange rates tend to float somewhere akin to auction house levels, way below blue book values. Selling old cars privately beforehand and using the funds for future car purchases tends to result in a more financially-desirable outcome. However, convenience is important for many people and they choose to simply trade them in to dealerships during new car purchases.

    Within the states that collect sales tax on auto purchases, most of them collect based on the difference between the new car and trade-in price. For a $25,000 new car purchase with a $10,000 valued trade-in, the tax paid on the new purchase with an 8% tax rate is:

    $25,000 – $10,000 = $15,000 8% = $1,200

    This is the default method by which the Auto Loan Calculator will calculate sales tax in accordance with Trade-in Value. However, some states do not offer any sales tax reduction with trade-ins, and they are:

    Using the same example above, whereas if the new car was purchased in one of the places above without a sales tax reduction for trade-ins, the sales tax would be:

    This comes out to be an $800 difference, enticing more people in these places to sell cars to private parties instead.

    Vehicle Rebates

    Dealers may offer vehicle rebates to further incentivize buyers. When car manufacturers are pressured into getting rid of cars at lower profit margins, it can be inferred that they probably use rebates as a means of doing so.

    Depending on the state, they may or may not be taxed accordingly. For example, purchasing a vehicle at $30,000 with a cash rebate of $2,000 will have sales tax calculated based on the original price of $30,000, not $28,000. Luckily, a good portion of states do not do this and don’t tax cash rebates. They are Alaska, Arizona, Delaware, Iowa, Kansas, Kentucky, Louisiana, Massachusetts, Minnesota, Missouri, Montana, Nebraska, New Hampshire, Oklahoma, Oregon, Pennsylvania, Rhode Island, Texas, Utah, Vermont, and Wyoming.

    Generally, only purchases of new cars are offered rebates because of how uniform and consistent each new car is. Dealers know exactly to the cent where the breakeven point is and if they are still a wide margin over, they can incentivize a potential car buyer by offering a rebate. While some used car dealers do offer cash rebates, they are a rarity due to the difficulty of arriving at true value.

    Quick Tip 5: New cars depreciate as soon as they are driven off the lot, sometimes by more than 10% of their values; this is called off-the-lot depreciation.

    Auto Refinance Calculator – Will Refinancing Save You Money, Calculators by CalcXML, auto loan payoff calculator.#Auto #loan #payoff #calculator


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    Should I refinance my auto loan at a lower rate?

    Without increasing the term remaining on your existing loan, you will be able to save interest with a new loan at a lower rate. Use this auto refinance calculator to determine the monthly savings that could be realized by refinancing your auto loan at a lower rate yet keep the same remaining term.

    Auto loan payoff calculator

    This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

    Auto loan payoff calculatorAuto loan payoff calculator

    Car Loan EMI Calculator India – Calculate Auto Loan Monthly Payments, calculate auto loan.#Calculate #auto #loan


    EMI Calculator

    Auto Loan EMI Calculator

    Nowadays, owning a car is no longer seen as a luxurious commodity, rather it has become a necessity. If you have plans to purchase your dream car, it is not important to burn a hole in your pocket in the process. Instead, you can go for the option of having a car loan. The best part of having a car loan is that with the help of reasonable EMIs you get to pay back the loan.

    Are you confused about the whole concept of EMI and the interest you have to pay? You don’t need to and let Car Loan EMI Calculator handle this. Read on, to know more about the EMI Calculator for a car loan and various other related things.

    Car Loan EMI calculator

    Calculate auto loan

    What you should know about Car Loan Monthly Payment Calculator ?

    An EMI loan calculator will help you out in making a right decision for the car model and the monthly budget. So, here are the key factors that you should know about this Loan EMI Calculator –

    • EMI calculator for Car Loan is one of the helpful tools that will make you familiar with the existing and the future monthly amount paid as installments. You can have a Car Loan EMI Calculator from the banks and financial entities.
    • While using an EMI Car loan Calculator, there is a need to enter certain details such as repayment term, loan amount, and the interest rate. With the help of this calculator, you can easily get familiar with the monthly installments and amortization schedule.
    • For using an EMI Calculator for auto Loan, you can enter the processing fee as well. The same fee also gets added to your loan amount to show the total expense incurred.
    • This Car Loans EMI Calculator online will also assist you with the amortization plan, interest outgo, and timeline of the loan repayment. Such information will make you aware of all the important information that helps you make smart decisions.
    • An EMI Calculator also comes handy in planning your monthly budget. This will really help in making the EMI more affordable.

    Calculate auto loan

    How Does Online Car Loan EMI Calculator work?

    First and foremost, the compound interest on the principal loan amount at the set interest rate gets calculated by this EMI Calculator. The calculation is done as per the following rule – paying the interest part first, the total amount payable, and the part that outstanding of your EMI is the principal. EMI is computed using the following emi calculation formula –

    Monthly Installment Amount = [P x R X (1 + R) ^ N] / [ (1 + R) ^N 1]

    In the formula, P is the principal amount; N signifies the number of monthly installments, and R is the rate of interest every month. Let us assume the interest rate per annum at 12%, the interest rate each month will be 12/ (12 100).

    How can you simplify your car loan with an EMI Calculator?

    When you want to have the best information about making a right choice for a loan or about the repayments, this Calculator will do all the things for you. Following are some of the main things that get simplified when you use this Calculator for car loan.

    • Being intuitive and easy to use are its key elements. The main idea behind designing the calculator is to make your calculation task easier. All you need is to enter the values and use the sliders and you will have the instant projections on EMI and amortization schedule.
    • Using this Calculator is as simple as using a standard calculator. You don’t need to have special expertise to use this calculator.
    • With the help of the Calculator, you will have the amortization schedule and above all the breakup of the payable amount in a graphic format makes the things easier to understand and interpret.
    • You can use this Calculator number of times until the time you have the right combination of term, affordable EMI, and the principal.
    • With the help of a online EMI Calculator, you get to know which car loan will be beneficial for you. You get to compare the interest rates based on the prepayment penalty, interest rates, and processing fee to check its effects on the EMI.
    • You don’t have to pay anything and you will get your results instantly.

    What are the benefits of using a car loan eligibility calculator?

    This online Loan Calculator for determining car loan payments is a handy tool that will help you make smart loan decisions. Let us discuss the benefits of this Calculator –

    Reiterate Calculations –

    Using this EMI Calculator for Car Loan, you can keep on varying the values till the time you have the right EMI value that suits you best. Using this calculator, you can also experiment with the interest rates and term of the car loan; you also get to know all these elements can affect your EMI.

    Immediate Results –

    One of the best things is that you get instant results when you calculate your EMI using Car Loan Calculator. You can also use this calculator before taking a final decision on taking a car loan, when you are finally paying off your loan, and while you are making plans for car loan repayments.

    Logical evaluation of car loans –

    With the help of this EMI calculator, you can easily compare the best car loans on the basis of key elements like – interest rate and EMI. You may feel that the interest rates are all same but using Car Loan Calculator, you will get a better idea of the interest rates that can prove beneficial to you.

    Accurate –

    With the help of online Car Loan Calculator, you get to save your efforts on calculating complicated compound interest. If you are planning to do manual calculations, you are bound to make mistakes. If you enter all the details in a Car Loan EMI online calculator, your task gets done in minutes. Having an intuitive interface, the Calculator can be used by anyone.

    How to qualify for a car loan?

    Well, you don’t need to worry as the process of auto loan approval is simpler as compared to the house loan. For your bank and the lenders, your credit history and income really plays a pivotal role. Basically, they are interested in knowing whether you will be able to repay the loan amount or not. Following are the things that a lender or your bank will consider –

    Credit Score –

    Your bank and lenders will show more interest in knowing your status regarding your credit health and even want to know your history. They are usually looking for a credit score i.e. more than 750. Basically, it is the first step and on the basis of your credit score, they will move on to the next step.

    But, if your score is below 750, your application will not be considered for the car loan. For lenders or your bank having a credit score below 750 is a clear signal that you are not capable of managing your credit responsibly. So, if you don’t want to face a rejection, make sure you have a healthy credit score.

    Employment Profile –

    Your bank and your lenders will also show interest in knowing your employment status i.e. whether you have a stable employment or not. This will ensure them whether you are in a position to repay the loan amount. They are not sure if you have s stable employment where you can easily make the EMI monthly payments for a car loan. They check whether you have worked with an employer for a minimum of one year when you apply for the car loan.

    Credit Report –

    Just like your credit score shows the status of your credit health, your credit report shows your credit behavior. Even your current score is healthy, your bank can cross-check your credit report to have a look at your past payment history.

    Existing EMI payments –

    If your existing EMI liabilities is forming a high percentage of your income, your bank will have an idea that you are not in a position to maintain additional debt payments. If your total monthly EMI is over 50%-60% of your income, your lender will get skeptical about repaying the additional car loan. You have more chances of your loan application getting rejected.

    Therefore, when you have decided to apply for the car loan, ensure that your EMI outflow is not more than your income percentage. Just in case it is high, make sure you pay off the smaller loans in order to bring down your overall EMI. This will help in freeing up some part of your income so that you can repay your car loan.

    Besides Car Loan EMI Calculator, you also have easy access to various other EMI calculators like Home Loan EMI Calculator, Bike Loan EMI Calculator, and Personal Loan EMI Calculator.

    Current Auto Loan Interest Rates, auto loan amortization.#Auto #loan #amortization


    Current Auto Loan Interest Rates

    Estimate your monthly payment with a car loan calculator.

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    Auto Loan Calculator, auto loan amortization.#Auto #loan #amortization


    Auto Loan Calculator

    Auto loan amortization

    $372.86 / Month

    The Auto Loan Calculator considers the most vital factors in order to calculate auto loan information. It assumes that the full purchase price is accounted for whether as down payment or part of the loan, along with any fees involved. If only the monthly payment for any auto loan is given, use the Monthly Payments tab (reverse auto loan) to calculate the actual vehicle purchase price and other auto loan information.

    Important: Tax and fee procedures apply to car purchases within the US only. Foreigners may still use the calculator, but please adjust accordingly.

    There are different definitions for different prices when it comes to car buying such as MSRP (manufacturer’s suggested retail price), selling price, blue book price, and dealer price. For any recently purchased or sold car, input the final selling price as the “Auto Price” figure. For hypothetical loans involving cars not being bought or sold, use blue book prices to arrive at close estimates for the values of the cars.

    Purchases of cars usually come with costs other than the purchase price. Car buyers with low credit scores might be forced to pay the hefty fees upfront. The following is a list of common fees associated with car purchases in the US.

    • Sales Tax Most states in the US collect sales tax for auto purchases.
    • Document Fees This is a fee collected by the dealer for processing documents like title and registration. Typically, they run between $150 and $300.
    • Title and Registration Fees This is the fee collected by states for vehicle title and registration. Most states charge less than $300 for title and registration.
    • Advertising Fees This is a fee that the regional dealer pays for promoting the manufacturer’s automobile in the dealer’s area. If not charged separately, advertising fees are included in the auto price. A typical price tag for this fee is a few hundred dollars.
    • Destination Fee This is a fee that covers the shipment of the vehicle from the plant to the dealer’s office. This fee is usually between $600 and $1,000.
    • Insurance In the US, auto insurance is strictly mandatory to be regarded as a legal driver on public roads and is usually required before dealers can process paperwork. When a car is purchased via loan and not cash, full coverage insurance is mandatory. Auto insurance can possibly run more than $1,000 a year for full coverage. Most auto dealers can provide short-term (1 or 2 months) insurance for paper work processing so new car owners can deal with proper insurance later.

    Important: If the fees are bundled into the auto loan, remember to check the box ‘Include All Fees in Loan’. If they are paid upfront instead, leave it unchecked.

    Quick Tip 1: Should an auto dealer package any mysterious special charges into a car purchase, please demand justification and thorough explanations for their inclusion. This is not to say that well-intentioned car salesmen don’t exist, but there is a reason why this particular group of people get a bad rap as some of the most untrustworthy and scheming around. After all, their mission is to squeeze as much profit out of a potential car selling scenario as possible.

    Auto Loans

    Many people cannot afford to purchase cars with straight cash, so they turn to auto loans instead. They work as any generic, secured loan from a financial institution does with a typical term of 36 or 60 months. Each month, repayment of principal and interest must be paid to auto loan lenders from borrowers, excluding other mandatory fees and taxes (unless they have been intentionally included into the loan). Money borrowed from a lender that isn’t paid back can legally entitle a car to being repossessed.

    Direct Lending vs. Dealership Financing

    There are two financing options available: direct lending or dealership financing. With the former, it comes in the form of a typical loan originating from a bank, credit union, or financial institution. Getting pre-approved through a credit union is usually the best option and offers the lowest rates, especially for lifelong, good standing members.

    Quick Tip 2: To aid ability to negotiate the best deals, take steps towards achieving healthier credit scores before taking out large loans for car purchases. Free annual credit reports can be requested from one of the three credit agencies: Equifax, Experian, and TransUnion.

    Once a contract has been entered with a car dealer to buy a vehicle, the loan is used from the direct lender to pay for it. Dealership financing is somewhat similar except that the paperwork is done through them instead. The contract is retained by the dealer, but is sold to a bank or other financial institution called an assignee that ultimately services the loan.

    Quick Tip 3: Direct lending usually offers more flexibility because there is competition between involved lenders to offer the best interest rates to the borrower, and rates tend to be better. It also provides more leverage for someone to walk into a car dealer with most of the financing done on their terms, as it places further stress on the car dealer to compete with a better rate. Getting pre-approved doesn’t tie car buyers down to any one dealership, and their propensity to simply walk away is much higher. With dealer financing, the potential car buyer has fewer choices, though it’s there for convenience for anyone who doesn’t want to waste time shopping around.

    Quick Tip 4: It can be helpful for prospective car buyers to determine how much they can afford to spend on a car and what types of cars are within their budget before actually heading to a dealership. Knowing what kind of vehicle is desired will make it easier to research and find the best deals that suits a buyer’s needs. Once a particular make and model is chosen, it can be important to have some typical going rates in mind to enable effective negotiations with a car dealer. Car dealers, like many businesses, want to make as much money as possible from a sale, but often, given enough negotiation, are willing to sell a car for significantly less than the price they initially offer. Depending on whether a buyer chooses to pay for the vehicle with monthly payments, the “Monthly Payment” tab of our Auto Loan Calculator can be used to calculate the “true” cost of the car. A monthly payment option often ends up being more expensive than buying the car outright. However, if buying the car outright is not an option, it is up to the buyer’s discretion to determine whether the need for a car sooner justifies the additional cost of making monthly payments rather than saving until a later date to avoid said monthly payments. Furthermore, although the allure of a new car is understandable, buying a pre-owned car even if only a few years removed from new can usually result in significant savings, and is an option that prospective car buyers can consider.

    Trade-in Value

    Don’t expect too much value when trading in old cars to dealerships as credit towards newer car purchases; exchange rates tend to float somewhere akin to auction house levels, way below blue book values. Selling old cars privately beforehand and using the funds for future car purchases tends to result in a more financially-desirable outcome. However, convenience is important for many people and they choose to simply trade them in to dealerships during new car purchases.

    Within the states that collect sales tax on auto purchases, most of them collect based on the difference between the new car and trade-in price. For a $25,000 new car purchase with a $10,000 valued trade-in, the tax paid on the new purchase with an 8% tax rate is:

    $25,000 – $10,000 = $15,000 8% = $1,200

    This is the default method by which the Auto Loan Calculator will calculate sales tax in accordance with Trade-in Value. However, some states do not offer any sales tax reduction with trade-ins, and they are:

    Using the same example above, whereas if the new car was purchased in one of the places above without a sales tax reduction for trade-ins, the sales tax would be:

    This comes out to be an $800 difference, enticing more people in these places to sell cars to private parties instead.

    Vehicle Rebates

    Dealers may offer vehicle rebates to further incentivize buyers. When car manufacturers are pressured into getting rid of cars at lower profit margins, it can be inferred that they probably use rebates as a means of doing so.

    Depending on the state, they may or may not be taxed accordingly. For example, purchasing a vehicle at $30,000 with a cash rebate of $2,000 will have sales tax calculated based on the original price of $30,000, not $28,000. Luckily, a good portion of states do not do this and don’t tax cash rebates. They are Alaska, Arizona, Delaware, Iowa, Kansas, Kentucky, Louisiana, Massachusetts, Minnesota, Missouri, Montana, Nebraska, New Hampshire, Oklahoma, Oregon, Pennsylvania, Rhode Island, Texas, Utah, Vermont, and Wyoming.

    Generally, only purchases of new cars are offered rebates because of how uniform and consistent each new car is. Dealers know exactly to the cent where the breakeven point is and if they are still a wide margin over, they can incentivize a potential car buyer by offering a rebate. While some used car dealers do offer cash rebates, they are a rarity due to the difficulty of arriving at true value.

    Quick Tip 5: New cars depreciate as soon as they are driven off the lot, sometimes by more than 10% of their values; this is called off-the-lot depreciation.

    Auto Finance, used auto loan rates.#Used #auto #loan #rates


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    Making sure to finance a vehicle properly will greatly reduce the cost of your next new or used car. “Auto Financing” is a general term meaning how you pay for the vehicle. In most cases, cars are financed by taking out an auto loan to buy or lease the car. This involves getting a credit check. By checking your credit history first, and answering all the tough car finance questions up front, you will be more prepared to handle issues at the dealership.

    In the articles on these pages we will not only look at the general topic of car finance but we will consider the related topics of credit history, car loan refinancing, auto insurance and all issues pertaining to special car finance considerations. Although most people don’t like to think about the subject of auto financing (instead they like to focus on that shiny new car) it is actually the most important part of car buying. While your credit will be checked by the salesman, often before negotiations begin, this is not the only way you can go to get your new car. You do not have to throw yourself at the mercy of the dealership even for special car finance situations. Being prepared before you get to the dealership will mean that you can take charge of your credit and get the new car loan that serves you best.

    Keep this in mind: when you negotiate with the salesman for the most favorable auto loan, nothing is permanent until you have it in writing. The sales contract is prepared once negotiations seem to be over. This is handled in the finance and insurance office (the so-called “F ?>

    Auto Loan Rates – Police and Fire Federal Credit Union, auto loan rates.#Auto #loan #rates


    auto loan rates

    Auto loan rates

    Auto loan rates

    Auto Loan Rates

    Check out our competitive auto loan rates, as well as rates on any of our loan or share account products. We also have a variety of interactive calculators that can help you plan for your future. You may also apply online for a number of our products and services.

    Annual Percentage Rates (APRs) are effective as of Friday, November 10, 2017 and are subject to change.

    2018, 2017, and 2016 Model Vehicles

    2015, 2014, and 2013 Model Vehicles

    2012, 2011, and 2010 Model Vehicles

    Rates reflect a 1/4% discount with automatic payment from an active PFFCU Checking Account or distribution from a payroll check automatically deposited with PFFCU and are SUBJECT TO CHANGE WITHOUT NOTICE . The AutoDraft can only be used to purchase or buyout a lease on an automobile (examples of vehicles that cannot be purchased using an AutoDraft are a motorcycle, mobile home, trailer, RV, boat, snowmobile, jet ski, off road vehicle, commercial vehicle, or any other untitled vehicle). The vehicle must be purchased from a business entity licensed to sell automobiles. PFFCU will only finance autos that have mileage of 75,000 or less. The maximum age of any auto to be financed is 6 years or less than the current model year (For example, as of January 1, 2017 the oldest auto to finance is a model from 2010). AutoDraft can only be used to purchase a new car in PA, NJ, DE, MD, FL, and NY or a used car from a licensed dealership in PA, NJ or DE.

    1. Your rate will depend upon your credit score, loan term and model year.
    2. All payments quoted above are based on per $1,000 borrowed. To get a monthly payment for a specific borrowed amount, multiply the per $1,000 payment factor by the number of thousand dollars borrowed. For example, if you borrow $10,000, multiply 10 by the figure noted next to the specified loan product.

    Call Us with Questions

    If you have questions or want to apply for a loan over the phone please call us

    at 1-800-228-8801 or 215-931-0300.

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    ABA Routing #236084285

    Police and Fire Federal Credit Union

    901 Arch Street, Philadelphia, PA 19107

    ©2017 Police and Fire Federal Credit Union.

    Refinance Calculator, refinance auto loan calculator.#Refinance #auto #loan #calculator


    Refinance Calculator

    The refinance calculator is used to plan the refinancing of your loan with various choices: Possible cash out, refinance cost, and points are all considered. It will compare the monthly payment, total payment, interest, and offers the possibility to view the existing loan and refinanced loan side-by-side.

    Refinance auto loan calculator

    To refinance a loan, you take out a new loan, and pay off the old one with it. Obviously, the new loan should offer you improved terms over the old loan. If the old loan involved the use of collateral (assets you own that guaranteed the load), they can also be used for the new loan. Sometimes a borrower will borrow a little extra during refinancing to take some equity out of an asset (known as “cash out” refinancing).

    A refinancing may also allow you to change the type of loan you are making, as you may wish to switch from a variable-interest rate loan to a fixed rate of interest.

    In a refinancing it’s important to take all the extras into account. There are often fees and charges that may make the refinancing not worthwhile. You should carefully compare the refinancing with your previous loan, looking at the full set of costs. A prepayment penalty on some loans, particularly car loans, is one to watch out for.

    Many people refinance car loans to increase the length of the loan so as to reduce the size of monthly payments. They should realize, of course, that this increases the cost of the loans because more interest is paid use the calculator to see just how this works.

    You may also want to watch out for getting stuck with an “upside down” auto loan this means a loan in which the car you own isn’t worth as much as the loan you are paying off. If you increase the length of your loan, you should realize that your car will decline in value over the period that you pay off the loan. Late in the loan period, if you try to sell the car, you won’t be able to recuperate as much as you owe the lender, and you’ll have to spend your own money to pay off the loan.

    But, for whatever kind of loan you may have, there may be good reasons to refinance. One is that interest rates may have sharply declined. If you borrowed in a period of high general interest rates, and they’ve since gotten lower, you might be able to arrange a good deal with a different lender based on the lower rates. Sometimes even the same lender will make such a deal, knowing that if they don’t, you’ll go elsewhere.

    Another reason for refinancing may be that your credit score has improved. This means that you now have access to many better loan deals than you could get previously. You might have corrected errors in your credit scores, or simply gone for a period of caring carefully for your credit so that your scores improved.

    When considering a refinancing, shop around. Talk to a variety of lenders, and use the calculator to compare their terms. Remember that, once you’ve made a refinancing deal, you’ll have to live with it for a long time, so make sure you’re happy with it.

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    Love Your Car, but Not the Payment?

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    Why OpenRoad Lending?

    • Trusted Across the Nation OpenRoad is a trusted member of the American Financial Services Association, A+ accredited by the BBB, an Inc. 500 fastest growing business and a Dallas Business Journal Best Places To Work Company
    • Low Rates and Amazing Savings OpenRoad has refinanced tens of thousands of auto loans and to our customer’s delight saved an average of more than $100 a month. That’s over $1200 a year
    • Happy Customers Financing solutions for all credit types. For years OpenRoad has set itself apart by providing World Class Customer Service and we are proud to have a 98% customer satisfaction rating.
    • Quick, Easy and Secure Apply online or over the phone from the comfort and privacy of your own home with no cost or obligation. Quick loan decisions, flexible financing options and cutting edge technology for a great experience!

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    Easy Auto Credit Auto Loans – Guaranteed Auto Credit – Poor Credit Auto Financing, auto loan with bad credit.#Auto #loan #with #bad #credit


    Easy Auto Credit Guaranteed Auto Credit Poor Credit Auto Financing

    First time buying and poor credit history are no problems for our experienced auto loan specialists.

    Getting approved for an auto loan with bad credit may be easier than you think. Auto loans are different from unsecured lines of credit because they use the car as collateral. If you are unable to make your monthly payments, then the creditor has the right to repossess the car.

    Dealer Financed Auto Loan

    There are several options for obtaining an auto loan. Many small, local, or used car dealerships offer buy-here-pay-here financing. You finance the vehicle through the dealership and send them your monthly payments. These programs are often less selective about the candidates they approve for financing, but they also generally charge very high interest rates.

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    If your credit is so poor that you have to accept a less-than-desirable loan offer, then make sure to always make your payments on time. Your credit score will improve with each timely payment. With one year’s worth of good credit reporting, you should be able to refinance your car and obtain better loan conditions.

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    Another option is to obtain a loan through your personal bank. If you have a good history with the bank (few to no bounced checks or account overdraws), and you can prove that you are capable of paying back the loan, they may offer to finance your purchase. You can compare auto insurance quotes online for comprehensive auto coverage to protect you from vehicle theft.

    Most of the larger dealerships have banks that they work with exclusively. If you chose to finance through their banks, a loan officer will walk you through all of the paperwork. You can attempt to negotiate the terms of the loan prior to agreeing to make the purchase, but you cannot be sure that you are getting the best deal. Most large dealerships will charge higher interest rates so that they make a profit off of obtaining financing for your purchase.

    Guaranteed Auto Credit

    Perhaps the most active and selective means of obtaining auto loans is to request quotes through an online database. Many companies have websites that are partnered with several loan companies who will consider your credit, income, and work history, and then present you with the terms of the loan they are prepared to offer. These services allow you to compare loans side-by-side and choose the one that offers the best terms

    Auto loan with bad credit

    Easy Auto Credit Auto Loans – Guaranteed Auto Credit – Poor Credit Auto Financing, auto loan for bad credit.#Auto #loan #for #bad #credit


    Easy Auto Credit Guaranteed Auto Credit Poor Credit Auto Financing

    First time buying and poor credit history are no problems for our experienced auto loan specialists.

    Getting approved for an auto loan with bad credit may be easier than you think. Auto loans are different from unsecured lines of credit because they use the car as collateral. If you are unable to make your monthly payments, then the creditor has the right to repossess the car.

    Dealer Financed Auto Loan

    There are several options for obtaining an auto loan. Many small, local, or used car dealerships offer buy-here-pay-here financing. You finance the vehicle through the dealership and send them your monthly payments. These programs are often less selective about the candidates they approve for financing, but they also generally charge very high interest rates.

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    Auto loan for bad credit

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    If your credit is so poor that you have to accept a less-than-desirable loan offer, then make sure to always make your payments on time. Your credit score will improve with each timely payment. With one year’s worth of good credit reporting, you should be able to refinance your car and obtain better loan conditions.

    Easy Auto Credit Auto Loans

    Another option is to obtain a loan through your personal bank. If you have a good history with the bank (few to no bounced checks or account overdraws), and you can prove that you are capable of paying back the loan, they may offer to finance your purchase. You can compare auto insurance quotes online for comprehensive auto coverage to protect you from vehicle theft.

    Most of the larger dealerships have banks that they work with exclusively. If you chose to finance through their banks, a loan officer will walk you through all of the paperwork. You can attempt to negotiate the terms of the loan prior to agreeing to make the purchase, but you cannot be sure that you are getting the best deal. Most large dealerships will charge higher interest rates so that they make a profit off of obtaining financing for your purchase.

    Guaranteed Auto Credit

    Perhaps the most active and selective means of obtaining auto loans is to request quotes through an online database. Many companies have websites that are partnered with several loan companies who will consider your credit, income, and work history, and then present you with the terms of the loan they are prepared to offer. These services allow you to compare loans side-by-side and choose the one that offers the best terms

    Auto loan for bad credit

    Car Loans for Bad Credit, Get Approved today even with bad credit, auto loan bad credit.#Auto #loan #bad #credit


    One of the most common questions we receive about car loans for bad credit is:

    Is it actually possible to get an auto loan for bad credit, even a very bad score, or maybe even no credit at all? If so, what s the catch? Thousands of people looking for car loans for bad credit purchase vehicles every day, so it s definitely possible! The reasons are pretty simple:

    In a down economy, where more and more people are experiencing credit challenges (bad credit), banks must become less strict in their lending requirements in order to continue business. A auto loan for bad credit may not have the same interest rate as a car loan on great credit, but banks and dealerships have had to become more competitive because the number of individuals with “perfect credit” is dropping year after year.

    This means that your car is collateral, and banks are much more willing to finance an auto loan for bad credit because of this. While they won’t admit it, banks realize that a bad credit score doesn’t mean you won’t pay your bills. In some cases, an individual who has recently filed bankruptcy is in a better position financially to make their payment than someone who has a higher credit score! They also know that a car loan is also a great way to improve your credit. If you have a good payment history, a bank will want to maintain your business, hopefully giving you more loan opportunities in the future because of your good history.

    In a new car franchise, it is sometimes more important to sell a car than it is to make a huge profit on that car. Car manufacturers pay dealers incentives based on the number of cars they sell, not what they sell them for. The more cars sold, the larger the incentives become. Some dealers are willing to sell the car at cost, or even below cost, which makes financing the car much easier. Some dealers will even finance the car in-house, giving people looking for car loans for bad credit or people with severe credit problems loan opportunities that they wouldn’t have any where else.

    That s why when we say we can help you get a car loan regardless of your bad credit problems, we mean it!

    We have been in car loans for bad credit business since 1989 (online since 99), and we understand how the system works, and how it has changed over the years. Our application process is designed to give you the a chance to evaluate your best options (we specialize in helping obtain car loans for bad credit scores). It only takes a few minutes to apply online, and leave the rest to us!

    We can t wait to help satisfy your auto financing needs!

    Not a Problem, We Have Solutions!

    Bankruptcy can be a difficult process to go through, finding financing for an auto loan after experiencing Chapter 11 or Chapter 13 should not be.

    We specialize in helping individuals with poor, bad, no credit, and bankruptcy get approved for auto/car financing. Apply Today!

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    Demystify Financing!

    Some of the terms in the car loans for bad credit business, or that are used to describe auto loans for bad credit financing can sometimes seem a little strange. We ve compiled a few lists to help take some of the mystery out the vehicle lending process.

    Work with the Best!

    AutoApproved was formed by a family that has been helping people obtain car loans for bad financing since 1989. We are the best when it comes to matching you with the most competitive finance terms, regardless of your past credit history.

    We’ve Got You Covered!

    Our bad credit car loan application is designed especially for auto, car and truck buyers with credit problems, no credit, or unique sub prime auto loan requirements. We also are continually developing articles to help understand auto loans and financing.

    We can help you find car loans for bad credit – no problem!

    The Place for Auto Loans for Bad Credit

    What we do is very simple, we help individuals and families who are buying a vehicle (car, truck, van, etc.) who have poor or bad credit scores get approved for auto loans. The process is simple: we gather information about the car buyer in order to pair that individual with a car dealer who has the available resources to get them approved for sub-prime auto financing, sometimes with as little as $0 down. AutoApproved.com is working for car buyer by using our extensive network of relationships to help connect you with the right car dealership to help provide you with the best car loans for bad credit options.

    Bad credit. Poor credit. No credit. No matter what your your credit history looks like, we can find the right solution for your automobile lending needs. We have trained lending professionals working to help meet your financing requirements and partner you with the best lending auto solution.

    *The information you provide is for the purpose of arranging vehicle financing, it is not used without your knowledge for other purposes. See our privacy policy for more information.