Personal Auto Transport #auto #computer


#auto transporters
#

Personal Auto Transport

Each year, millions of vehicles are transported to meet personal needs, such as:

  • Families moving cross-country
  • Students going to college a long distance from home
  • Snowbirds moving to the Sun Belt for the winter
  • Corporate relocation

Some of these situations are one-time needs and the car owner will hire an auto-transport company. Phone directories and the Internet are filled with advertisements promoting a variety of transport companies and transport brokers. Consumers need to be aware of the difference. A company handles the actual pickup and delivery of the vehicle. A broker does the legwork and sells the job to one or more transport carriers.

There are pros and cons to working with both. Transport companies have more control over delivery time and assume more responsibility in the event of damage or an accident. On the other hand, brokers have access to more options for a quicker delivery. Consumers should double-check all references to help avoid fraud or an unpleasant experience.

Transport companies are quick to stress that they can transport only the customer’s vehicle. Customers are not allowed to pack their cars with clothes, small appliances or even spare parts. The fuel tank cannot be completely full, and owners are usually required to be present when the vehicle is picked up or delivered to complete the inspection.

Some car owners have frequent transport needs, so they purchase their own trailer and tow vehicle. These include car collectors or enthusiasts who display their pristine vehicles at car shows or weekend racers who compete at area tracks. Single-car trailers come in many styles and sizes to hold the vehicle, spare parts and tools. The key for a safe transport is matching the trailer weight with the towing capacity of the tow vehicle.

There is one other method of getting a vehicle from one location to another: drive it! Dedicated driveaway agencies provide drivers to customers who don’t want to drive themselves or don’t have the time or budget to have their vehicle transported. The reputable agencies will screen potential drivers and match them accordingly to the customer’s schedule and destination. The drivers are not paid and often must pay for their own gas. But they do get the free use of a car for their travels across the country.

Can a ship carrying thousands of vehicles end up on the ocean floor? We’ll look at safety and security next.

Brock’s Brick House

Personal car trailers usually have the aerodynamic efficiency of a brick. Famed auto designer and racer Pete Brock (he designed the Shelby Daytona coupe) recently developed Orca, a very sleek, lightweight trailer with superior aerodynamic qualities. The front, sides and even bottom are all designed with racecar fundamentals to reduce drag when towing. The all-aluminum trailer gets its name from the dorsal fin that runs the length of the trailer, a design cue Brock picked up from the classic Bugatti Atlantique [source: Brock Racing Enterprise ].


Personal banking #auto #zone #coupons


#auto finance
#

HSBC Premier

Looking for personal financial support? An HSBC Premier Relationship Manager can help you reach your financial goals.

Now you can pay with your HSBC Credit and Debit Card using Apple Pay TM

Apple Pay is the easy, secure, and private way to pay with a simple touch.

Asia Pacific

Concierge Services

As a valued Premier customer, we recognize that your time is valuable and you need easy access to services that can help simplify your busy life. With Premier World MasterCard Concierge Services 1. let us make your dinner reservations, purchase tickets to events, coordinate business arrangements worldwide, locate hard-to-find items, buy and deliver gifts and much more. For convenience, the cost of goods or services can be billed to your Premier World MasterCard . To learn more, speak to an HSBC Premier Concierge representative any time, any day, by calling 888.314.5132.

MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.


Personal Loans For People With Bad Credit – ® #used #car #for #sale


#auto loans for people with bad credit
#

Bad Credit Personal Loans

Bad credit can happen to good people, and sometimes there is absolutely nothing that you can do about it. There are a lot of people that let the words “Bad Credit” get them down. Don t be one of these people. They are just words and everyone deserves a second chance to rebuild their financial future.

If you have bad credit, it may not even be your fault. There are countless ways that other people can ruin your credit for you. It is sad, but true. The only thing that you can do is try to repair your credit, and that is where Personal-Loans.com comes in. We know and understand that bad credit can happen to good people, and that is just one of the many reasons that we are here to help people just like you.

There are several lenders out there who specialize in offering loans to help people with bad credit. The problem is that most people with bad credit don t know how to find these loans so they just give up and end up living the rest of their lives with bad credit. This is yet another reason that Personal-Loans.com is here to help. No one should have to live their lives with bad credit. Credit can be repaired, and the only way to repair credit is by establishing new credit.

How can Personal-Loans.com help people with bad credit?

Finding lenders that will actually provide loans to people with bad credit is a difficult task. It can take days or weeks to locate them. Personal-Loans.com has done extensive research, and found all of the lenders that specialize in helping people with bad credit by offering what they are calling, “Bad Credit Personal Loans.” There is a solution to every problem. You just need to know where to look. We have made it easy for you to secure a bad credit personal loan with almost no effort on your part.

Part of the problem that comes with bad credit is dealing with rejection. There is only so much rejection that a person can take. It can be frustrating and embarrassing sitting face to face with a loan officer and telling them all of your personal financial details. It gets even worse when they tell you that you have been declined. With our services none of this ever happens.

All you need to do is fill out one simple, secure application. We will compare your application against our large database of lenders that specialize in bad credit personal loans. You will not have to look anyone in the face. There is no complicated paper work to fill out, and you will not have to fax a bunch of information. Within a few short minutes, you could secure the personal loan that you need to help you rebuild your financial future. Bad credit is not the end of the world, but it will not fix itself. You are going to have to do something about it, and establishing new loans is one of the easiest ways to repair your credit.


Personal Loans – Unsecured Personal Loan – Bad Credit OK #auto #decals


#bad credit auto loans
#

Personal Loans

Applying for a personal loan online can be a fast and easy process. You may be approved in less than 24 hours! If you are, then the funds will likely be available in a few days.

You should also be aware that there are some fraudsters out there who prey on people that need money quickly. Be sure to apply through a safe and secure website, like this one. Write down the lending company’s name (one of Credit.com’s trusted business partners): you will apply directly with them.

Here are some additional ways to protect yourself:

  • Know where your credit stands. For instance, read our blog post on why you should check your credit before applying for a personal loan .
  • Be aware that fraudsters typically pose as legitimate companies, claiming to be lenders. Make sure you are dealing with the right person. In particular:
    • When you receive a confirmation email from your loan provider, make sure it comes from the trusted domain of that company, and not from a generic email address (Gmail, Hotmail, Yahoo! etc.)
    • Look for a padlock in the browser bar on any page where you are asked to provide personal information. This means your information will be sent securely to the lender.
    • Never override your browser’s warning if it says a site’s security certificate has expired or the site you are about to visit is not secure.

Be aware that fraudsters will try to get you to send them money before you get the loan. Be very careful with upfront fees. Do not send a company money to cover “credit insurance” or the first payment of the loan. STOP if you are told to send funds via a prepaid card, gift card or a money transfer (such as Western Union or MoneyGram). Legitimate lenders do not operate that way.

* IMPORTANT NOTE FROM CREDIT.COM: Credit.com is not a lender. The above offers are provided by third-party lenders from whom Credit.com receives compensation. Credit.com will not call you about any loan application resulting from the above offers, and will not ask you over the phone, via email or otherwise for financial information or other sensitive personal data.

Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom Credit.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). It is this compensation that enables Credit.com to provide you with services like free access to your credit scores at no charge. Credit.com strives to provide a wide array of offers for our members, but our offers do not represent all financial services companies or products.


How to Lease a Car and Get the Best Deal – Personal Finance. #auto #warranties


#best auto lease deals
#

How to Lease a Car and Get the Best Deal

Tips

  • Over time, the cost of leasing several cars will likely exceed the purchase price of a new or used car.
  • Don’t tell a car dealer you plan to lease until after you’ve negotiated the car’s purchase price.
  • Beware salespeople who focus only on your monthly payment will be. Stay aware of the total price you’ll pay, including down payment and monthly bills.
  • Related How-Tos

    Feedback

    A car lease lets you drive a new vehicle without paying a large sum of cash or taking out a loan.

    To lease a car, you simply make a small down payment less than the typical 20% of a car s value you d pay to buy followed by monthly payments for the term of the lease. When the term expires, you return the car.

    Leasing a car has some drawbacks, however. Among them:

    • You don’t own the car when your lease expires. You essentially rent, not buy, the car. So you don’t have equity in the car to use toward the purchase of another vehicle.

    • Over time, say 10 years, the cost of leasing several cars will likely exceed the purchase price of a new or used car.

    • Lease terms can carry steep penalties. You may have to pay penalties if:

    -You exceed the number of miles in your lease contract.

    – You fail to keep the interior and exterior of the car in good condition.

    – You drive the car hard and inflict significant wear and tear on the car’s performance and appearance.

    – You want to return the car before your contract expires.

    Does a lease make sense for you?

    Leasing is more beneficial than buying when you:

    • Don’t have the cash to buy the car.

    • Want to drive a vehicle that’s out of your purchase price range.

    • Won’t likely exceed the mileage cap in a contract—usually between 10,000 and 15,000 miles per year.

    • Can take good care of the car’s exterior and interior, paying particular attention to avoid nicks, spills and other cosmetic damage.

    • Expect to lease another car when your vehicle’s current contract expires.

    Exceeding the mileage limits on your lease can cost you 10 to 15 cents per mile. The dealer will inspect your car just before the lease expires, and you ll also be charged for excessive wear and tear.

    How to Lease

    Leasing a car is less complicated than buying one. But to get the best deal on the car you want, you must still follow these steps:

    Step 1. Choose a type — What kind of car do you want? Better yet, what car do you need? A convertible? A sedan? An SUV?

    Step 2. Pick your models — Make a list of car types in your price range. You can reduce non-lease costs by including models with favorable gas mileage, high dependability, top safety features and low insurance premiums (ask your auto insurance agent for a list of vehicles that fit the bill).

    Step 3. Take a test drive — Once you’ve narrowed your list to a few models, take each car for a test drive. Pay particular attention to comfort, visibility, braking, steering, internal noise and shock-absorption. At this stage, don’t yet mention you intend to lease (more on this in Step 6).

    Step 4. Ask about safety — During your test drive, ask the salesperson whether the vehicle comes with anti-lock brake systems (ABS), electronic stability control (ESC) and head-protecting side air bags. All are valuable safety features.

    Step 5. Compare lease deals — When you return home from the dealer, calculate the lease deals on offer and figure out how much you can afford to pay monthly.

    Step 6. Talk price first — Once you’re ready to return to a dealership to strike a deal, don’t tell the dealer you plan to lease until after you’ve negotiated a purchase price. Most people who lease are unaware that their monthly payments will be based on the final agreed-upon price.

    Step 7. Negotiate up — Negotiate the final price of the vehicle up from the rock-bottom cost to the dealership. You can find out what new cars cost a dealer for $14 per vehicle at Consumer Reports. Your monthly payments will be based on the price you and the salesperson settle on. That price will fall somewhere between the dealer’s wholesale price and the manufacturer s suggested retail price.

    Step 8. Beware of gab — Your salesperson may try to push you toward closing the deal by focusing on the relatively low amount you’ll have to pay each month. This, however, will add to the total amount you ll pay.

    Step 9. Paying the Lease — The larger your initial down payment, the lower your monthly tab will be. As with any bill, you ll face penalties if you fail to make payments on time. Turning in your leased car early, before the loan term ends will typically result in a penalty—unless you are trading in the car for another leased or purchased car.

    Related WSJ Articles and Blog Posts:


Allegacy Federal Credit Union – Personal – Loans – Auto Loans #auto #loan #refinance #rates


#auto refinance calculator
#

Allegacy strives to make all aspects of car ownership more affordable and less frustrating by offering a variety of automotive services that are designed to help you save time and money – whether you’re shopping for your first or next set of wheels. For drivers who love their current car but hate their monthly payment, Allegacy offers auto refinancing. With smarter ways to find, fund and insure your car, Allegacy helps put you further down the road toward financial freedom.

Get low rates, low monthly payments and up to 100% financing.

  • Loan approval good for 60 days.
  • Maximum loan amount cannot exceed MSRP + 10%.
  • New Vehicles are classified as previous year, current year or future year with less than 5,000 miles.
  • Proof of Insurance and additional paperwork from dealer required.
  • Interest Rate subject to determination of applicant(s) creditworthiness.
  • Loan approval good for 60 days.
  • Maximum loan amount cannot exceed 90% list on Chassis and 50% of conversion price.
  • New Vehicles are classified as previous year, current year or future year with less than 5,000 miles.
  • Proof of Insurance and additional paperwork from dealer required.
  • Additional paperwork might be required to be signed.
  • Interest Rate subject to determination of applicant(s) creditworthiness.
  • Loan approval good for 60 days.
  • Maximum loan amount cannot exceed retail value established in Southeastern edition of NADA guide.
  • Maximum age of vehicle: 7 years old.
  • Maximum mileage cannot exceed 100,000 miles.
  • Proof of Insurance and additional paperwork required.
  • Interest Rate subject to determination of applicant(s) creditworthiness.
  • Loan approval good for 60 days.
  • Maximum loan amount cannot exceed NADA plus 10% chassies.
  • Maximum mileage cannot exceed 100,000 miles.
  • Proof of Insurance and additional paperwork from dealer required.
  • Additional paperwork might be required to be signed.
  • Interest Rate subject to determination of applicant(s) creditworthiness.

Personal banking #auto #batteries


#auto finance
#

HSBC Premier

Looking for personal financial support? An HSBC Premier Relationship Manager can help you reach your financial goals.

Now you can pay with your HSBC Credit and Debit Card using Apple Pay TM

Apple Pay is the easy, secure, and private way to pay with a simple touch.

Asia Pacific

Concierge Services

As a valued Premier customer, we recognize that your time is valuable and you need easy access to services that can help simplify your busy life. With Premier World MasterCard Concierge Services 1. let us make your dinner reservations, purchase tickets to events, coordinate business arrangements worldwide, locate hard-to-find items, buy and deliver gifts and much more. For convenience, the cost of goods or services can be billed to your Premier World MasterCard . To learn more, speak to an HSBC Premier Concierge representative any time, any day, by calling 888.314.5132.

MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.


Personal Loans #affordable #auto #insurance


#bad credit auto loans
#

What is a Personal Loan?

A personal loan is an amount of money that an individual borrows to fund personal expenses.

Many people use these funds to buy homes, finance cars or just pay bills. There are various criteria for borrowers to qualify, including credit scores and whether they put up any collateral.

Lenders use risk-based pricing for the interest rates they charge: risky lending (like credit cards) may have an interest rate of almost 30% while less-risky ones like mortgages can be as low as 5%.

Payback terms may be as short as a matter of months while others can last 10 years.

A Short History

People have been lending each other money for thousands of years. There’s a lot of literature — including historical, religious, and economic sources — that documents the role of borrowing and lending throughout history.

Here are just a few historical examples:

Ancient Middle East: Money in the form of food like olives, dates, and animals was lent out as early as 5000 BCE and ancient societies like the Mesopotamians, Hittites, Phoenicians, and Egyptians all have written accounts. Interest was generally fixed by the State.

The Bible: The Hebrew Bible regulates interest taking and defines parameters of “ethical lending” (Deuteronomy 23:19, 20)

Athens: Moneylenders funded maritime grain shipments in Ancient Greece through written agreements that used the ships and cargo as collateral.

Different Types of Personal Loans

Secured: A loan is secured when the borrower pledges some asset (e.g. a home or car) to the lender. The lender (usually a bank) uses this asset as collateral to help ensure repayment.

Mortgages: These are used to finance the purchase of a home or apartment. If a borrower defaults on his mortgage payments, the lender can take ownership of the property.

Car: When a borrower takes out a car loan, she pledges the car as collateral backing the amount borrowed.

Home equity lines of credit (HELOCs): In addition to a primary mortgage, people can borrow off the equity in their homes. Instead of receiving a lump sum payment, like people do when they take out a mortgage, these (also known as a HELOC) are actually a line of credit that can be drawn from as needed.

Unsecured: Unsecured loans don’t use collateral. Instead, they rely upon the quality of credit of the borrower. Without any pledged assets backing them up, lenders see these as riskier and typically charge higher interest rates than secured.

Installment: Like the loans offered at CreditLoan.com, unsecured installment loans don’t require collateral and have a set, periodic repayment schedule. The term may be as short as just a few months or as long as 10 years.

Student: There are a lot of private and public programs that encourage college education. Specialized lenders offer them to students — many with very long repayment terms — to pay for school.

Credit card debt: Credit cards are issued with a line of credit that credit card holders can pay down every month. Credit cards are one of the easiest but most expensive ways to borrow money — with interest rates as high as 25.99%.

Bank overdrafts: Some bank savings and checking accounts come with overdraft agreements. If you spend more than what’s available for withdraw from your account, the bank will lend you the difference, generally at a high interest rate and for a fee (according to CNN Money. the average overdraft fee in 2015 was $35).

How Big is the Debt Market?

If you are like the average American, you’re probably in debt. Between financing a college education, buying a house, and paying general living expenses, many people find themselves saddled with numerous debts .

The Average Debt of an American

Here’s the debt profile of the average American:

  • Average credit card debt: $15,422
  • Average mortgage debt: $149,782
  • Average student loan debt: $34,703

America in Debt

When you look at these numbers across the U.S. the overall size of the country’s debt is pretty staggering. In the U.S. there’s actually $11.31 trillion in debt. If you break it down, that comes out to:

  • $8.03 trillion in mortgages
  • $956 billion in student loans
  • $858 billion in credit card debt

States With The Most Debt Per Capita

State debt totaled more than $4 trillion during 2011. Connecticut led all states with the most debt per capita — its $99+ billion in debt works out to be something like $5,402 per person. The state with the lowest debt? Nebraska leads the nation in financial responsibility. It has $21 in debt for each of its residents.

Reasons to Borrow

There are lots of reasons to use a consumer loan like those found through CreditLoan — even if you have bad credit. Here are just a few reasons to apply:

Bad credit score: It’s not always possible to qualify for other types of financing. You can borrow with a poor credit score.

No need to put up collateral: Unsecured loans don’t require collateral, so you don’t need to pledge your car or house to borrow money.

Easy, quick way to consolidate credit debt: Instead of paying astronomical interest rates on your credit card debt, people use these to pay off expensive debt and replace it with less-expensive debt.

Cover medical expenses: Borrowing is a quick way to fund unexpected medical expenses.

Paying tuition: Many people use these to fund part of their education.

Starting a small business: Borrowing can be an effective source of capital to fund small businesses.

What People are Actually Doing


Personal Loans – Wells Fargo #am #auto #parts


#auto loan with bad credit
#

Take control of your financial future with a Wells Fargo Personal Loan

Ready to apply?

Apply today or contact a Wells Fargo Loan Specialist at 1-888-667-5250

Whether you want to consolidate high-interest rate balances, fund a special purchase, or cover a major expense, a Wells Fargo Personal Loan is a great financing option.

Benefits of a Personal Loan

A personal loan makes it easy for you to put your financial plan into action. Benefits of a personal loan include:

  • Fixed rate, fixed term, and fixed monthly payments
  • No origination or prepayment fees
  • Relationship discounts may be available for customers with qualifying Wells Fargo consumer checking accounts
  • Competitive Annual Percentage Rate (APR) for the life of the loan
  • No collateral required to qualify
  • Loan amounts from $3,000 to $100,000
  • Credit decision in as little as 15 minutes and often same-day access to funds

Benefits of a Time Account (CD)/Savings Secured  Loan

If you have a Wells Fargo Time Account (CD) or Savings Account, you can use it as collateral for a personal loan to get a lower annual percentage rate (compared to an unsecured loan) without touching your savings. Please note the amount in your collateral account equal to the full amount of the loan will not be available for use until the Time Account (CD)/Savings Secured Loan is paid in full.

Why get a Wells Fargo Time Account (CD)/Savings Secured Loan?

  • Immediate funding. You may access your funds the next business day after credit approval.
  • Preserve savings. You can continue earning interest on your savings and avoid early withdrawal penalties on time accounts (CDs).
  • Lower interest rate. You get a lower annual percentage rate by providing approved collateral (such as a Wells Fargo CD) to secure your loan.
  • Fixed term and rate. You know exactly how much you’ll pay each month, making it easy to budget.
  • Loan amounts from $3,000 to $250,000
  • $75 origination fee

Debt Pay Down Solution ®


M&T Bank: Personal Loans #auto #mechanic #jobs


#auto loans online
#

Loans from M T Bank

Thinking about a new car, boat, RV, or extra cash? An M T personal loan can handle whatever you need.

Determine your required loan amount, then apply online for one of our unsecured personal loans or secured personal loans and take advantage of our fast application process. Once approved, you can have the cash you need in as little as 24 hours!

Still shopping? Our personal loans give you up to 30 days to find the car, boat or RV of your dreams, so you can take your time. Compare our unsecured personal loans and secured personal loans to find the lending solution that is right for you.

Major Purchase Loan 1 – If you’re looking to buy a boat, RV 2. motorcycle, snowmobile, Jetski or ATV, learn about M T Bank’s major purchase loan  

1 All loans and lines of credit are subject to credit approval. Additional terms and conditions may apply, depending on the type of collateral and  other terms offered or chosen.

2 Recreational Vehicle include motor homes, truck campers, travel trailers, camping trailers