Free Online Project Management – Collaboration Software Tool: Kanbanchi, project management software with time tracking.

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Kanbanchi is the only free online software tool for task management, project management, and team collaboration made for G Suite.

Individual G Suite users, small teams and large enterprises living in Google ecosystem will find essential features for building a clear and transparent workflow.

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Project management software with time tracking

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Project management software with time tracking

Project management software with time tracking

Project management software with time tracking

Project management software with time tracking

Project management software with time tracking

Project management software with time tracking

Project management software with time tracking

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TOP 50 SMALL-BUSINESS SOFTWARE PRODUCTS

Top 10 Project Portfolio Management (PPM) Software for Mid Market

Top 3 Task Management Software for Enterprise

Project management software with time tracking

Who uses Kanbanchi?

I’m Davide and I am a product manager at Booking.com. Kanbanchi helps me on a daily basis to streamline my work and to keep all relevant information organized and centralized.

Davide Livraghi, booking.com

Hey my name is Jon, as a graduate student I discovered Kanbanchi while looking for a tool to help me keep my work, school, and extracurricular activities organised. Kanbanchi changed the way I work. It encourages me to focus on what’s important now, visualise my goals along a time a time period, and effectively track my progress. Kanbanchi helps me filter out that which is not truly important. This will change the way you see your work forever.

Jon Blackwell, graduate student

Hi, my Name is Mike, R -)

Serge Fraguas, etam.fr

I’m Veronica Tadeo and I teach eager 7th and 8th graders at a public school in Santa Maria, CA. My students use Kanbanchi for the writing process, for team work, and for project based learning. I use Kanbanchi in a unique way – each class has access to one dashboard to use visual progress as an intrinsic motivator.

Veronica Tadeo, mstadeo.com

Don’t take our word for it.

Here’s what Kanbanchi users worldwide have to say:

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I highly recommend it to anyone who have difficulties in achieving an effective overview of all the tasks or work that one might have.

Organisations using Kanbanchi:

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What Can You Do With a Music Degree? 70 Careers – Salaries Revealed – Music School Central, what can you do with a masters in public administration.

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What Can You Do With a Music Degree? 70+ Careers Salaries Revealed

What can you do with a masters in public administration

The opportunities for a musician to succeed are so much larger than meets the eye.

It is true that orchestral/ensemble/solo performance as well as teaching are the two most popular careers in music.

While these career paths can be exceptionally rewarding to those who are passionate about the vocations of teaching and performing, the reality is that there are many, many more options that are available to those who have a music degree.

In fact, whether you can believe it or not, there are over 70+ exceptional and yes, lucrative careers you can pursue with a music degree.

That’s right over 70(!) careers are available to those with a music degree. I bet you never knew that.

It’s true that some of these careers might require functional knowledge outside of the core requirements of your music degree and possibly even require a specialized degree. For example, if you want to get a job as a grant writer for a music organization, working as an intern at a non-profit arts organization could provide you with the necessary skills for learning how to write grants. Also, taking a grant-writing class at your university could assist tremendously.

So let’s get into it. Here are 70+ careers, listed alphabetically, that are available for musicians who have successfully graduated with a music degree.

The Careers Salaries, Listed Alphabetically

A R Administrator

Provides high-level personal and administrative support to an A R (Artists Repertoire) Representative.

A R Representative

Scouts talent for record labels to sign to recording contracts.

Accompanist

What can you do with a masters in public administration

Performing in collaboration with an ensemble. Not entirely different from being a collaborative pianist.

  • Job Scenarios: Accompanying students in different music schools, ensemble auditionees, church choirs and congregations, dance classes, concerto rehearsals, and with other musicians in a collaborative setting.
  • Salary: Typically by the hour, usually between $30-75/hr.

Agent

Individual who books gigs for an artist or band/ensemble using relationships with clients such as club owners.

  • Job Scenario: Working directly with an artist or an artist management company.
  • Salary: Usually a commission of what the artist makes at the show, around 15%. A full-time agent can make great money in this profession, with the top agents in the world making millions.

Alexander Technique Instructor (Music)

Instructor who works with musicians showing them how to normalize levels of physical and mental tension in their performing.

  • Job Scenarios: Usually as an independent instructor.
  • Salary: Not very much data is available for this career, but a successful and active clinician in this field can make $40,000 $70,000+.

App Development

What can you do with a masters in public administration

Music apps are exceptionally popular and always need consulting, testing, and / or development from actual musicians.

  • Job Scenario: As an app developer or working on an app with another company, either a start-up or established business.
  • Salary: Employed app developers typically make between $80,000 $100,000 (Mashable)

Arranging

Musical reconceptualization. In other words, it can range from orchestrating a composer’s piano score to developing and reharmonizing a composer’s melody or song.

  • Job Scenarios: Many professional film composers have arrangers on their staff in order to complete a film score quickly. In jazz, we see people like Gordon Goodwin and Christian McBride making clever arrangements for big bands.
  • Salary: $20,000-$45,000 annually (Berklee College of Music Salary Guide)

Artist Manager

Negotiates business deals on behalf of the artist. Also has input on the creative and marketing ends of an artist.

  • Job Scenarios: Either independently or with an artist management company such as Columbia Artists Management.
  • Salary: Up to 50% of what the artist makes.

Arts Administration

Performs tasks for an arts organization. Can be as simple as basic clerical duties or as advanced as grant-writing and events planning.

  • Job Scenarios: Working in an arts organization. Some established arts organizations with large arts administration staffs include major orchestras and creative venues like the Brooklyn Academy of Music.
  • Salary: Between $30,000 and $50,000, with opportunities for advancement into higher positions in the organization.

Audio Engineer

What can you do with a masters in public administration

Audio production specialist concerned with how sound is manipulated, recorded, and mixed in an audio recording. For someone specializing in acoustic sound, please see sound / acoustic engineer below.

  • Job Scenarios: As a freelance recording engineer, in a college/university recording studio, in a commercial recording studio, etc.
  • Salary: Median pay is approximately $45,000, according to audioengineeringschools.net

Blogger

A journalist, writer, or commentator who writes about a specific subject and sells products, memberships, and advertising space on their websites.

  • Job Scenarios: Honestly, you should start your own blog if you want to get paid well writing articles for other people exclusively does not usually lend itself to a lucrative blogging career, unless you get a job at a place like Rolling Stone Magazine. Get a domain and hosting space from either BlueHost or GoDaddy, download a premium theme from Themeforest, and you are good to go.
  • Salary: $0 $100,000+ (It sounds crazy, but I know bloggers, albeit usually in other spaces, that make around a half million a year).

Broadcast Engineer

Oversees the “airchain,” or the complete path of an a/v signal from origin to destination, for a television or radio station. Requires a background in audio engineering and possibly knowledge in electrical engineering.

  • Job Scenario: Employed by a television company or radio station, or as an independent contractor.
  • Salary: Average is $70,000 (Glass Door)

Business Management

Starts and/or oversees the day-to-day operations of a music business, including a performing arts venue, nightclub, music store.

  • Job Scenarios: Overseeing various music businesses, such as record labels, clubs, performing arts centers, etc.
  • Salary: $45,000 $150,000+ (higher if you are an executive director)

Chamber Musician

What can you do with a masters in public administration

Performer in a classical chamber ensemble, either performing in an already established ensemble or starting up your own ensemble.

  • Job Scenario: Traditionally, chamber musicians would play recitals with acoustic instrument groups in concert halls. Today, the scene is rapidly changing, with many groups performing amplified in “downtown venues.” Some traditional chamber ensembles include the Guarneri String Quartet, the Canadian Brass Ensemble, etc. Less traditional and more innovative groups include the Kronos Quartet and the young entrepreneurial ensemble Groupmuse.
  • Salary: Varies tremendously based on a number of factors. Many chamber music groups make money in academic residencies, performing various gigs and weddings, merchandising their brand, selling cds, etc.

Want to know the true step-by-step method for attaining the music career of your dreams? Check out How to Start a Music Career The Ultimate Guide.

What can you do with a masters in public administration


Car Insurance Quotes – Auto Insurance Quotes: Farmers Insurance, cars with cheap insurance rates.

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Why Farmers Auto Insurance is a Smart Choice

At Farmers, we know that insuring your vehicle is more than just a basic obligation. It’s a vital and legal necessity in your world. and these days, your needs may go well beyond “basic.”

That’s why Farmers has spent 85 years building the Smart Choice in Auto insurance, to bring you more than simple coverage. With Farmers, Auto insurance comes with quality coverage, convenience, and personalized service far beyond basic. Yes, it can cover injuries and damages caused by an accident, if you’re legally responsible. However, Farmers goes further, delivering the accessibility, convenience, and options you want, along with the personal touch of your own neighborhood agent.

Car insurance with Farmers means:

Control over your policy

You’re in the driver’s seat. Register your policy and manage, change, and update it quickly.

Personalized attention

Your personal, dedicated and local Farmers agent is there when you need them, and our helpful Call Center agents are always a phone call away.

Insight and guidance

Farmers has spent a lifetime building a strong, trustworthy, and knowledgeable business. We put all of our products, resources, agents, information, and experience at your disposal.

Convenience

Manage your policy your way, with the Farmers Mobile App, paperless policy documents and billing, and online automatic bill payments.

Smart savings

Our long list of auto insurance discounts saves you money on smarter coverage.

24/7 protection

Our award-winning Farmers Claim Services is open 24 hours a day, 7 days a week to process your claim, guide you through the process, and get you back on the road safely.

Customize your Auto Insurance policy with plenty of coverage options

Farmers understands that in life, as in Car insurance, foresight and awareness are everything. When it comes to protecting what you care about most, “one-size fits all coverage” just doesn’t cut it.

That’s why Farmers Auto insurance gives you beyond-basic coverage options to help you spot coverage gaps and cover other unexpected costs.

Consider additional coverage options* like:

Accident Forgiveness

You’re normally a great driver, but you just had your first claim in years and you’re nervous about your rate changing. Well, if you have this option, don’t worry! Farmers will forgive one accident for every three years you drive without one.**

No Fault, No Foul

Accidents happen (that’s why you have insurance), and Farmers knows that they aren’t always your fault. That’s why, with this option*, your rate remains unchanged when you’re not at fault in any accident while your Farmers policy is in force.**

Small Claim Forgiveness

With this option, your rates will never go up because of a fender bender or other small accident even if it’s your fault.

Incident Forgiveness

Get a speeding ticket? Pretty frustrated? We understand these things happen. With this added option, Farmers won’t increase your rates for a citation, as long as no claim is filed.**

Farmers Rideshare

Insurance coverage for rideshare drivers doesn t have to be confusing. Farmers Rideshare can provide you with seamless personal auto coverage until the full commercial liability coverage provided by your rideshare company begins.

Start today with a quick online Auto insurance quote. You can even conveniently purchase your new Car insurance policy online too.

You can always speak to a local Farmers agent to learn more about coverage options, or talk about your coverage needs.

*Not available in all states.

**Benefits apply to Farmers customers only, and do not include any incidents or violations occurring before the date of insured with Farmers.

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions, and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.



Direct Car Loans Online, New Roads Auto Loans, auto loans for people with bad credit.#Auto #loans #for #people #with #bad #credit


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I am a new customer and would like to share my experience with your origination team. I can sum it up with one word: WOW! The customer experience was nothing but amazing. It all started with me receiving a surprising phone call that I was approved with no money down. I was at car dealerships offering to put $4,000 down and they told me no. New Roads saw that I was fresh out of Bankruptcy and looking to re-establish my credit. Instead of focusing on the bad, I felt like New Roads looked for the good in my deal and I appreciate that.

I would just like to extend a very heartfelt thank you and would like management to commend the team on a job well done!

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Lucky s Auto credit specializes in financing used cars in Utah for people with credit issues (bad credit in any form). We help repair your credit by reporting to the credit bureaus each month and allowing you to get back on your feet with a reliable car you can afford. View our inventory page to check out our awesome cars! Our loan terms are short so it s easy to pay your car off at Lucky s!

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Qualifying for a car loan with bad credit can be challenging. You likely have been turned down at other dealers who claim to be able to offer you a car with bad credit. At Lucky s Auto Credit, we make the process of getting approved with bad credit easy! Bad Credit, No Credit, Bankruptcy, NO PROBLEM! We are a buy here pay here dealership and have used cars for sale with locations in Salt Lake City (West Valley) and a location in the Ogden/Clearfield Area.. Stop by any of our awesome locations and talk to one of our amazingly friendly, no pressure sales representatives!

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I had went through a bad split up, had a car repossessed, and my dad had died. I didn t think I would get a car, Lucky s saved the day!! I have had a great experience and recommend Lucky s to everybody. Thanks Brian and the gang!!

Thank you so much to Lucky s Auto Credit for getting us into a car that will work perfect for our family. Nadine was a great person to work with, and we will definitely be referring our friends and family to you Auto loans for people with bad credit

My transmition died and I needed a car fast. Went to Lucky s in Clearfield with a $1000 down. Drove away with a 2005 Classic. Just paid off my loan! Thanks for working with me Lucky s!

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FundingWay.com is the USA’s leading online provider of automobile purchase loans for people with poor credit, no credit, or bankruptcy. When it comes to purchasing a preowned car or truck with a problem credit history, you simply can’t find a more convenient website that offers vehicle loans online nationwide at competitive auto loan rates.

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Car Financing Basic Requirements

  • At least $1,500 gross monthly income required for credit scores less than 625.
  • Financing for new and used automobile loans from local auto finance specialists.
  • Auto loan requests are for purchasing a car direct from our authorized licensed used car dealer lots.
  • Residents of USA and Canada at least 18 years of age.

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All of our auto loan options are used to buy a car with bad credit from leading auto dealerships across the USA and Canada. Online auto loans can usually be obtained the same day or within 24 hours.

Buying a car with low credit is an easy 3 step process:

Fundingway is Here to Help You Get an Auto Loan

You don’t have to settle for a cheap high mileage used car, truck, or suv from a buy here pay here dealership if your credit isn’t the greatest. We are here to help you get the new or used automobile you are looking for. Get a new or used car loan today and open the door to your financial freedom.

Vehicle Loan Financing Advice

Usually when you go out and apply for an auto loan you will have to either go out to a local bank or a dealership and fill out all kinds of forms, have them do a credit check, and after all of that you have no guarantee that you will get approved for

You may be starting your New Year with poor or bad credit. However, with a slow but strong improvement in the economy projected for 2014 this may be the time to turn your credit score around. So what exactly can you do to become financially fit for 2

We all know the automotive industry has had a rough few years. Ever since the bailout in 2008 it has been an industry that has needed every inch of help it can get. Luckily though now that the economy is starting to pick up people are getting jobs ea

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Phone: (866) 902-4403 Office Hours: Monday through Friday 9am to 6pm EST

Already submitted a request? Click here to check the status of your request. By using this site, you agree to be bound by our Terms Use, Privacy Policy, Supplemental Terms, and Cookie Policy.

Auto loans for people with bad credit

* The auto financing approval calculator is an estimate, not a guaranteed. You may qualify for slightly more or less. Money down may be required but is not necessary for all automobile loans. Approvals are subject to verification of employment and income. Auto loan interest rates and repayment terms are based on credit risk, vehicle selection, and equity position of the car loan.

Bad Credit Loans – HIGHEST APPROVAL – Personal Loans Online, auto loans with bad credit.#Auto #loans #with #bad #credit


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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.

Our goal is to make your process of finding online loans as stress free and easy as possible. Whether you re looking for a cash loan, an auto loan, debt consolidation or credit cards we can help.

It takes less than 3 minutes to complete an application and usually with in a couple hours a lender will contact you if you re approved. It doesn t matter if you re looking for bad credit loans or good credit loans we can help you find a lender. Bad Credit Loan Center ™ provides a payday loan matching service only and is not a lender.

For personal cash loans just click the Apply Now button directly above. You will instantly be taken to our partners 256bit COMODO ™ encrypted secure application.

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.

Auto loans with bad credit

3 Simple Steps to Obtain Your Loan

Auto loans with bad creditPre 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.

Auto loans with bad creditComplete 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.

Auto loans with bad creditGet 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!

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Can You Qualify?

Will you be the next success story?

Lucky s Auto credit specializes in financing used cars in Utah for people with credit issues (bad credit in any form). We help repair your credit by reporting to the credit bureaus each month and allowing you to get back on your feet with a reliable car you can afford. View our inventory page to check out our awesome cars! Our loan terms are short so it s easy to pay your car off at Lucky s!

Bad Credit Used Car Loans

Qualifying for a car loan with bad credit can be challenging. You likely have been turned down at other dealers who claim to be able to offer you a car with bad credit. At Lucky s Auto Credit, we make the process of getting approved with bad credit easy! Bad Credit, No Credit, Bankruptcy, NO PROBLEM! We are a buy here pay here dealership and have used cars for sale with locations in Salt Lake City (West Valley) and a location in the Ogden/Clearfield Area.. Stop by any of our awesome locations and talk to one of our amazingly friendly, no pressure sales representatives!

Testimonials

I had went through a bad split up, had a car repossessed, and my dad had died. I didn t think I would get a car, Lucky s saved the day!! I have had a great experience and recommend Lucky s to everybody. Thanks Brian and the gang!!

Thank you so much to Lucky s Auto Credit for getting us into a car that will work perfect for our family. Nadine was a great person to work with, and we will definitely be referring our friends and family to you Auto loans with bad credit

My transmition died and I needed a car fast. Went to Lucky s in Clearfield with a $1000 down. Drove away with a 2005 Classic. Just paid off my loan! Thanks for working with me Lucky s!

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Get approved for bankruptcy auto loans even if you were recently discharged.

Premier Auto Financing is an online service that offers a simple, fast and personable method for obtaining a loan for buying a vehicle! Customer satisfaction is our number one priority! We work with people of all good and bad credit types; funding over $2.5 billion in car loans since 2007. and over $15 billion since 1998! Our program is available in all 50 states, consisting of a network of over 500 lenders! This allows us to offer the most competitive auto loan rates available online! We can approve 85-95% of loans that typically get denied by traditional lenders.

Obtain Instant Auto Loan Approval in Less Than 30 Minutes!

Our services are the fastest way to apply for auto financing over the Internet. The secure application only takes a few minutes to complete. A local participating lender will be calling to help with your approval within minutes of submitting your request. We will work closely with you to put together an auto financing package that will get you the cash you need, while fitting your budget.

It Takes Less Than 24 Hours to Get Your Money! GUARANTEED!

Once you agree to the rates and terms of your loan, you will be given the option of how you would like to receive your funding. You can choose to have your money instantly deposited into either your checking or savings account, or have a check sent to you overnight via Federal Express.

We work with people with low credit scores, including those in the 400’s. The only mandatory criteria are a minimum age of 18 years and a United States citizenship. No income verification needed! No employment needed! No co-signers required!

Poor Credit? No Credit? Bankruptcy? WE CAN GET YOU APPROVED!

Our FREE, no-commitment application takes just a few minutes to fill out, and has assisted thousands of high-risk people achieve approval for bad credit auto loans! All applications that meet the above requirements are guaranteed to be processed for instant approval consideration. Even if you have no credit history or are looking for auto financing after bankruptcy and/or repossession, WE WILL HELP YOU! Great programs for students and people in the military!

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Your service is very good! I was able to get bad credit auto financing! I highly recommend this service!

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Bad Credit Car Loans – 9 Steps To Getting A Car Loan With Bad Credit, auto loans with bad credit.#Auto #loans #with #bad #credit


9 steps to getting a car loan with bad credit

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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.

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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 loans with bad credit

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.

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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.

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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.

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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.

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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.

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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.

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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.

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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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Customer Reviews

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Thank you so so much for everything you did for me and Charlie. Words just can’t express how grateful we are. Love the new truck and it’s just what he needed for his work. Its great has everything we need. Again thank you so much. If there is a testimonial page I can fill out please let me know.

Again thank you.

– Debra and Charlie Carler

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Always on my side!

What I liked most about my lending team at New Roads was that they were knowledgeable, responsive, fast, and courteous. The dealer was dragging their feet with providing documentation and they stayed on the dealership on my behalf to make sure they did what they were supposed to do. I just would like to say thank you to the team.

Everyone was great to work with. Thanks so much for everything.

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I am a new customer and would like to share my experience with your origination team. I can sum it up with one word: WOW! The customer experience was nothing but amazing. It all started with me receiving a surprising phone call that I was approved with no money down. I was at car dealerships offering to put $4,000 down and they told me no. New Roads saw that I was fresh out of Bankruptcy and looking to re-establish my credit. Instead of focusing on the bad, I felt like New Roads looked for the good in my deal and I appreciate that.

I would just like to extend a very heartfelt thank you and would like management to commend the team on a job well done!

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We can help with personal loans wired the same day!

There is no need to feel so stressed. Even having a bad credit does not disqualify you from getting a loan. mmPersonalLoans deals primarily with personal loans and our services are designed to provide financial assistance. Applying for a loan can be done in just three simple steps with no faxing of documents required. The whole application process is properly secured so that no private information is at risk and all unnecessary paperwork has been eliminated. All people with a regular job and a checking or savings account can qualify for our loan. Furthermore, we will not perform any examination of your credit reports or ask inquisitive questions concerning your financial status.

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Online application for a fast cash personal loan takes no more than a couple of minutes. As a matter of fact, you can save a lot of time as you can go through the whole process from the privacy of your home without faxing any documents.

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We value your privacy, so when we receive your application all information provided within is kept confidential and protected. Our loan requirements are extremely easy to meet. One of the best things about our loans is that virtually anyone can qualify!

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Why mmPersonalLoans.com?

Created by customer supporters and credit professionals, mmPersonalLoans assists people in making better financial choices by offering free interactive resources, training, as well as impartial evaluations of high quality financial services and products provided by UnitedFinances.com. Credit influences numerous basic areas of our way of life. Even so, approximately 125 million people in America is unable to properly calculate their own credit ratings within fifty points, although that may be frequently the difference between getting accepted or rejected for credit or residence. mmPersonalLoans objective is to change this by means of supplying customers with helpful resources as well as data which let them successfully control their own credit profile with just as much consideration and caution as their investment portfolio.

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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.

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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

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Bad Credit Loan Center ™

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.

Our goal is to make your process of finding online loans as stress free and easy as possible. Whether you re looking for a cash loan, an auto loan, debt consolidation or credit cards we can help.

It takes less than 3 minutes to complete an application and usually with in a couple hours a lender will contact you if you re approved. It doesn t matter if you re looking for bad credit loans or good credit loans we can help you find a lender. Bad Credit Loan Center ™ provides a payday loan matching service only and is not a lender.

For personal cash loans just click the Apply Now button directly above. You will instantly be taken to our partners 256bit COMODO ™ encrypted secure application.

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.

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3 Simple Steps to Obtain Your Loan

Auto loans for people with bad creditPre 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.

Auto loans for people with bad creditComplete 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.

Auto loans for people with bad creditGet 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!

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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!

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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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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.

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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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“With great skepticism, I connected to your website, pre-convinced that it would be “just like the rest,”a lot of hype but no bite. I was terribly mistaken. It is obvious from your professionally done website that you are “true blue”for your prospective car-buying customers.”

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“I just wanted to let you guys know what a great service you have. I contacted you guys yesterday, and then was contacted by a dealership, and was approved within the hour. Today I’m driving a new car. Once again thank you so much; keep up the good work! “

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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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Buying a car is exciting. Getting financed isn’t, especially when you have bad credit. Alberta Auto Credit specializes getting everyone approved regardless of your credit history. The process is quick and easy Apply Today!

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Edmonton’s Alberta Auto Credit provides used car loans for those who have bad credit, bankruptcy, or no credit. We can help you buy a dependable used car, truck or mini-van, and arrange monthly car payments that make sense. We believe car buying should be fun, not a headache. Our company was started to help people save time and start driving. If you are in need of financing we are here to help. We understand that you may have less-than-perfect credit, that’s why we’re here. Alberta Auto Credit specializes in helping people with bad credit rebuild their credit.

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Bad Credit Auto Loans- Edmonton

As our economy cycles through booms and busts, bad credit has become an unfortunate fact of life for many in the Edmonton area, resulting in a large number of Edmontonions unable to attain financing for a quality used car or truck. We recognize that a person with a bad credit rating is often a victim of hard times, and as a result may might have fallen behind on their payments.

Lenders are often very tough when it comes to bad credit car loan applications, when lending institutions see a bad credit rating, they often reject the loan outright. One thing is certain, having a bad credit rating can make getting approved for a car loan incredibly challenging.

Alberta Auto Credit understands that having a bad credit rating shouldn’t result in you being forced to drive a poorly maintained, or even unsafe car. We specialize in providing auto loans for people who have bad credit, and we work hard to help you finance a car that is safe, reliable, and with a reasonable monthly payment.

Over the past few years the economy has been quite hard on a lot of Albertans. Alberta Auto Credit recognizes this, and understands that there are a lot of good people who’ve been effected. We’re committed to help you put together a car loan that will be straightforward and fair.

Getting approved for a bad credit car loan doesn’t mean that your monthly payments have to be out of reach. We feel it’s very important that your monthly payments are manageable, so that you are able to keep up with the financing until the car loan is paid off.

Rebuilding your credit rating back to a good standing can be a huge challenge, especially when most lenders aren’t willing to provide you with financing. We can help you improve your credit rating, while you enjoy all the advantages of owning a safe and reliable car. As you pay down your car loan, we report your good credit rating to the credit bureaus. This improves your credit rating and opens up more financial opportunities for you in the future.

The important thing is to keep the payments as low and as manageable as possible. We will work closely with you to develop a car loan that works for for you.

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Without a credit history, getting a car loan in Edmonton can be very difficult. With no track record of credit, a lender has no assurances you’ll be able to make payments on a regular basis.

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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.

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New Study Reveals States With Lowest Auto Loan Rates

Just the Facts:

  • The U.S. states with the lowest average auto loan rates are Michigan, Oregon and Alaska, according to a new study by GoBankingRates.com.
  • The study said the states with the highest average rates are Rhode Island, Connecticut and New Jersey.
  • GoBankingRates.com found the nationwide average interest rate for a loan on a new vehicle is 3.65 percent.

LOS ANGELES A new study by GoBankingRates.com says the U.S. states with the lowest average auto loan rates are Michigan, Oregon and Alaska. The states with the highest average rates are Rhode Island, Connecticut and New Jersey.

The study found that the average interest rate nationwide for a loan on a new vehicle is 3.65 percent. In general, states on the West Coast have the lowest overall rates, while the Northeast has the most states with rates of 4.01 percent or higher.

GoBankingRates.com partnered with Informa Research Services to gather online data from more than 4,000 U.S. banks and credit unions. The study looked at the base interest rates for new-car loans as of July 24, 2013, for terms of 36 months, 48 months and 60 months, then averaged the findings from each state to arrive at the rankings.

Michigan, the traditional home of the U.S. auto industry, turned out to have the lowest statewide average: 3.03 percent. The best rates in Michigan were 1.49 percent for 36 months, 1.49 percent for 48 months and 1.75 percent for 60 months.

Oregon and Alaska each averaged 3.04 percent, according to the study. Rounding out the top 10 were New Hampshire, South Carolina, Vermont, Oklahoma, Utah, Washington and North Carolina, with rates ranging from 3.08 percent to 3.31 percent.

The worst rates were found in Rhode Island, which averaged 5.11 percent. Other bottom-10 results included Connecticut, New Jersey, Massachusetts, Louisiana, West Virginia, Delaware, Mississippi, Pennsylvania and the District of Columbia, with rates from 4.82 percent to 3.95 percent.

Although the study makes for interesting reading, rates within each state vary widely, so the compiled averages don’t tell consumers the whole story. A car shopper in Rhode Island, the state with the worst average, may find a local financial institution offering a rate equal to or better than the lowest one in Michigan, which had the best average.

As GoBankingRates.com advises, “When it comes to affordable financing, there are always great options available on the local level, and it’s up to the borrower to find them.”

In a recovering economy it’s particularly important to shop around for the best rate. For some time, many automakers have helped keep interest rates low through subsidies and incentives that increased sales. As the economy improves, says GoBankingRates.com, interest rates are on the rise.

But for now, the site notes, “car buyers continue to enjoy some of the lowest financing options available.” It just takes diligent comparison shopping to root out the best deals.

Edmunds says: As always, it pays to do your homework before walking into a lender’s office or car dealership.

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We are a small minority owned business with over 46 years of experience in the collision repair industry; we know how to get the job done quickly, and at an affordable rate. We have been at this location for over 16 years, and over the years we have done work for, and worked with all the insurance companies, but as times change we are now considered to small to be a direct repair facility for these same insurances.

It is Colorado law that everyone has the right to choose their own repair facility, and our work and name is recognized and approved by all insurance companies for anyone who chooses to use our shop for their repairs. In case of a major collision where the vehicle is not road worthy just call or have it towed here and we we will do everything necessary to restore your vehicle to it s original condition, and have it back to you as soon as possible. Or once an estimate is written by a representative of your insurance or theirs, you have the right to bring it here.

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How to refinance a car loan with poor credit with easy access to online rates

The how to refinance a car loan with poor credit can ease the burden of millions of Americans across the country. Plenty of car owners and car drivers have had little chance to get financial relief because of their bad credit woes. The great strides in software technology have improved the internet use for services of all kinds. This has brought about a radical change in the viewpoint of businesses towards credit challenged consumers. The auto finance industry has been no exception to this rule. Well off citizens cornered by the economic recession had no way to seek reliable financial relief from their debt burdens.

Refinance Your Car Loan Even with Poor Credit and Lower Your Monthly Payment to Save on Your Finance! Guaranteed Approval within 15 Minutes, So Apply Here Now

The best company to refinance auto loan with bad credit can be found simple and quick with a little online research. The credit challenged consumers can easily access special auto loan refinance rates and terms meant for bad credit borrowers. The online digital database platforms are updated regularly with the real competitive rates to help car owners and car drivers find their affordable prices. With the increase in online competitive rates, auto refinance car loans seem to be the one method for credit challenged consumers to lower their debt burdens. Many banks and credit unions, as well as lenders have advertisements for lower interest rates.

The consumers refinancing a car loan with bad credit will find the online process easier than ever before. The online competitive rates are configured for less than perfect credit borrowers looking for auto refinance car loans. Most of the auto refinance service providers have introduced the listing of refinance rates for bad credit consumers in their online database. The credit challenged consumers looking for auto refinance for an existing new or used auto loan have to look on further than the online service provider s database. Here, plenty of autos refinance companies of national repute offer real time competitive rates. The borrowers from the general public can get in touch with the lenders and dealers willing to work with consumers having poor credit.

The best company to refinance auto loan with bad credit provide instant access to real time competitive rates published daily. The online digital database platforms are designed to provide the maximum of benefits to users free of charge. The consumers with less than perfect credit across the country can use this in their efforts to explore auto refinance rates. The online real time programming of auto refinance rates reduce consumer efforts and speeds up the process from application to approval. There are still majority of auto finance companies that refuse to auto refinance with lower interest rates for credit challenged consumers.

The process of refinancing a car loan with bad credit has been dealt with effectively by many online lenders specialized in bad credit auto loans. The borrowers with credit challenged issues and vehicles with higher than acceptable mileage pose a challenge to many conventional or prime lenders. The online auto finance companies, lenders and dealers dealing in auto refinance car loans for bad credit are of special help in such situations.

How To Refinance Auto Loan With Bad Credit #streetside #auto


#refinance auto loan with bad credit
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How To Refinance Auto Loan With Bad Credit

If you are looking to refinance your car loan, you might be worried since you have damaged credit. Although your options might be limited, it is possible to refinance auto loans with bad credit. Let’s find out how.

What To Do First

Before refinancing you should carefully check your credit score. You can get a copy of your credit report from:

Be careful not to get misled by imposter sites that might be involved in identity theft. The Federal Trade Commission (FTC) provides helpful information about obtaining credit reports.

When you get your credit report, check for errors such as:

  • Accounts listed that are not yours
  • Inaccurate account information (e.g. incorrect credit limits, personal data errors)
  • Outdated information (e.g. expired accounts)
  • Fraudulent accounts (e.g. someone else used your data to get credit)

Go Loan Shopping

The next step in the refinancing process is to look for a new lender. You can check with banks, financial companies, or credit unions. There are also online lenders and services that can help you find a potential lender.

One quick way to find out if you qualify for a loan is to use an auto refinance network, like CARCHEX. This service contacts nearly 100 different lenders, and some might be willing to offer you refinancing even with bad credit.

Prime Vs. Subprime

The biggest factor that goes into refinancing decisions is the interest rate. Your credit score has a big influence in what rate lenders are willing to give you. Borrowers with excellent credit are eligible for prime loans which offer the lowest interest. People with poor credit are offered subprime loans which carry higher credit, sometimes up to 15-20% higher than prime loans.

Things To Watch Out For

Making inquires to multiple lenders is acceptable, but all inquiries must be done within a 30 day period. Services like CARCHEX help here since they consult with many lenders in just a few days.

Also, do not apply for other types of credit, like home equity loans, while you are inquiring about car loan refinancing. Multiple types of inquires at the same time could hurt your credit report.

Finally, you might be offered refinancing with a lower monthly payment, but at a very high interest rate. Try to avoid this as you will end up paying much more overall. Remember to ask about the total loan amount, and then compare this figure to your current car loan before you decide to refinance.

What To Do If You Are Turned Down

If you are not approved for refinancing, the first thing you should do is try to improve your credit rating. Things you can do are:

  • Make timely payments on all your credit accounts
  • Pay down any loans as quickly as possible; make extra payments if possible
  • Get your late account payments up to date as soon as possible
  • Consider seeking credit counselling
  • Keep credit card balances low or don’t use credit cards at all
  • Don’t take out a new credit card to pay off an old card

Conclusion

Bad credit limits your refinancing options, but there are things you can do to maximize your chances. Even if you get turned down, you can work towards improving your credit score and re-apply for refinancing in the future.

Joe Campanella is the EVP of Business Development for CARCHEX and oversees partner relationships. Joe possesses 12+ years of experience building sales/customer service teams and securing strategic partnerships. He is a sports enthusiast who enjoys mountain biking, surfing and snowboarding in his spare time.

How to Get Bank Auto Loans with Bad Credit. #auto #part #stores


#bad credit auto loan
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How to Get Bank Auto Loans with Bad Credit

You may be here if you have bad credit and are looking for bank auto loans. People with bad or no credit have a harder time obtaining a car loan than people with good to excellent credit. However, do not fret if you have really bad credit because there are options available to you. People have different reasons for having bad credit, such as irresponsible spending habits, or unexpected medical bills. Regardless of your situation, there are lenders that are available to people with less than admirable credit ratings. These lenders specialize in bank auto loans for people with bad credit and will be able to work with you so that you can obtain a loan for a new vehicle. Your credit history is not the only determining factor when trying to get approved for a loan. Besides your credit history, some things that a private auto loan lender will look at are; current monthly earnings, duration of job, and your financial situation.

Applying Online Many people who have no credit are ashamed to ask for a loan and give up before they even try. Did you know that there are many lenders on the Internet that are willing work with people that do not have a credit score? As a consumer with no credit, all you need to do is to fill out an online loan application and have sub-prime lenders compete for your business. The best way to get a bad credit bank auto loan is to fill out as many online applications as possible and see which lender will bite .

Funds for Down Payment Another factor of how much you will be able to receive within your auto loan package is the amount of money that you have for the down payment on the car you are attempting to buy. Remember that a down payment is a very important determining factor when getting accepted for a loan with no credit, because a higher down payment means that there is less risk on the lender. Also, a large down payment can prove to the lender that you are a responsible individual who knows how to save and will provide evidence that you are improving your credit score.

Seek a Co-Signer The last factor when trying to get bank auto loans with bad credit is to seek out a co-signer. A co-signer will help out your cause and will increase your chances of getting a loan. The reason why a co-signer helps when trying to get private auto loans is because they are partially responsible for the loan and the lender will also look at their income as a determining factor when approving your loan application.

Remember that there is hope for you if you are trying to get bank auto loans with bad credit. If you follow the steps of applying for loans online, increasing your down payment, and obtaining a co-signer, then you will most likely get approved for a no (or bad) credit private auto loan.

Has Auto Repair Manuals with a DIY Twist #best #auto #lease #deals


#online auto repair manuals
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Auto Repair Manuals

Paper auto repair manuals are becoming a thing of the past. You can confirm this fact with any well equipped auto repair shop. Why buy paper books when you can get the same targeted information that professional mechanics use online with a Diy twist.

You’re one step away from having the power to fix it right the first time. Stop guessing at the problem and diagnose it with proven methods. This is a service manual that is less expensive and more useful. It’s the Factory information supplied to Dealership mechanics, but it also provides additional support designed to help do it yourself technicians.

You can kick the tires and try the ALLDATAdiy demonstration right now! But if you stick around I can tell you a few things about the program they will not. Learn about it by reading this short page. Then watch the auto repair video below. See for yourself how to use it on a real world common car problem. Then decide if it’s right for you.

Repair Advice the Modern Way

My name is Mark I’m a Certified Master Technician and an auto repair expert with 30 years of front line wrench turning experience. I will never go back to using paper repair diagrams.

I have used many online programs that replaced the printed service manual. Online service manuals aren’t all created equally. There are differences between major brands.

The depth of information the database contains can make it hard to find the exact stuff you are looking for. This makes the interface a key component of the program. Being able to grab information fast is extremely important.

With All-Data Diy the navigation is straight forward and user friendly. A handy search function is located at the top of every page and works just like a search engine to help you quickly find the schematics you need.

Browse through printable factory supplied wiring diagrams, step by step troubleshooting guides, fluid capacity specifications, bolt torque, tightening patterns and much more. Component location diagrams are also provided that can pinpoint where parts are located for that specific year and model.

Another useful feature is being able to print repair diagrams and take them to the driveway. This can reduce vehicle down time. The interface also has embedded short cuts to technical service bulletins and recalls right from the main menu for the chosen automobile.

Technical Service Bulletins, or TSB’s are notifications from car-makers and manufacturers to dealership level technicians. This provides the latest information on repeat failures, updated diagnostic procedures, repair trends and specific solutions for known problems.

Watch a 4 minute video showing you how to find the no strings demo and a few key features to help you get the most from it.

Do it Yourself Automotive Repair Information from ALLDATAdiy.

Guaranteed Car Loans with Low Rates #extended #auto #warranties


#guaranteed auto loans
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Tired of constant rejection? Want to fulfill your car dream in an instant? Apply on Rapidcarloans.net to secure guaranteed car loans. You can forget worrying about auto financing approval and enjoy lower rates by applying on 100% safe website. Fill in the car loan application form and say yes to approval regardless of credit history, down payment or co-signer.

Anyone can apply for this auto loan program. Bad credit borrowers, students with no credit, first time auto buyers, people with good credit, etc. can enjoy guaranteed car loans with Rapidcarloans.net.

Rapid Car Loans has wide auto loan approval criteria. It considers your credit score, financial history, car loan term, loan amount, down payment, co-signer, income, job, etc. and provides guaranteed car loans. This means if you are weak in one or two aspects, don’t worry. You can get guaranteed auto loans at lower rates because of your other strong factors.

If you think bad credit history is going to trouble you or your no credit score will become an obstacle in getting auto loans, think again. You can get guaranteed bad credit car financing by concentrating on other factors like income, co-signer, down payment, etc.

Do you want to avail guaranteed car loans without co-signer? If yes, you can improve your approval chances by having regular income and down payment.

Do you want to secure guaranteed auto loans without down payment? Having a co-signer, stable employment, etc. can prove beneficial.

Rapidcarloans.net can even approve you for guaranteed bad credit auto loans with no money down. So, don’t worry about approval anymore. Apply now on the website and get free no obligation car loan quotes.

Get Cars Japan – Fair and reliable Japanese used car exporters with professional service #auto #recyclers


#japan auto auction
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How To Buy

AUCTION HOLIDAY NOTICE

Dear customers, Due to August 15th being  major festival in Japan known as O-Bon, there will be very few auctions running August 10th to August 15th. As usual, Get Cars Japan will be monitoring communications, and accepting bids for any auctions that are open. All auctions will be back to [Read More. ]

Negotiation fee change

From July 2015, USS auction group have changed their negotiation fee from 5,000 JPY to 10,000 JPY. At this stage most other auctions still charge 5,000 JPY. Up until now, we have added 5,000 JPY to the auction purchase price for cars purchased through negotiation. NEW INVOICING STRUCTURE [Read More. ]

This is what we do !

Last week a customer bid on this classic BMW 8 series coupe and it passed on his bid of 345,000. (He bid the highest but the reserve price was higher). The minimum offer to negotiate after the auction was 460,000.  He considered offering this but we advised him to wait a week as sellers often set [Read More. ]

Buyers Beware

Accident car transport fees:

One Price

Importer prices not much more than auction price?

TrueCar – s New CEO Says Top Goal to Be Mending Ties With Dealers – Bloomberg Business #used #autos #for #sale


#internet auto sales
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TrueCar’s New CEO Says Top Goal to Be Mending Ties With Dealers

TrueCar Inc.’s new chief executive officer, Internet auto pioneer Chip Perry, said his top priority for the online vehicle pricing and data provider when he takes over for co-founder Scott Painter next month is to repair relations with car dealers.

The company has had contentious relations with dealers, which it charges $300 a car or a subscription fee to provide consumer leads that turn into sales in showrooms. In July, TrueCar and AutoNation Inc. the biggest U.S. new-car retailer, ended their agreement after AutoNation decided not to provide data TrueCar required to charge them for its services.

“Many dealers have had misgivings about working with TrueCar,” Perry said in an interview Monday after his hiring was announced. “My goal is going to be to earn their trust back by listening to them and building their feedback into our future plans.”

Perry, 62, is taking on the TrueCar job amid the company’s loss of two auto-industry veterans. Larry Dominique, a former Nissan Motor Co. executive, is stepping down as an executive vice president next month and John Krafcik, former head of Hyundai Motor Co.’s U.S. operations, left as president in September to lead Google Inc.’s self-driving car project. Painter will step down as CEO on Dec. 15 and will also resign as chairman and a director, after TrueCar said in August that he would keep the chairman post.

Perry was the first employee at AutoTrader.com in 1997 and built it into the world’s largest online vehicle marketplace with $1.5 billion in revenue, TrueCar said in a statement. He resigned from AutoTrader in 2013 after it withdrew a plan for an initial public offering. Since July of this year, he has been CEO of RentPath LLC, parent of ApartmentGuide.com and Rent.com.

“Scott did an amazing job getting TrueCar to this stage and for him to step aside does enable a clean, new chapter to open up,” Perry said. “To be able to signal a clean sheet of paper in terms of how we work with car dealers will be very helpful.”

TrueCar’s shares gained 5.7 percent to $7.83 at 3:42 p.m. New York time. The Santa Monica, California-based company’s stock slid 68 percent this year through Friday, including a 36 percent plunge on July 24 after cutting its 2015 sales forecast.

The company may need “some adjustments to the business model” to get its dealer relations and stock price turned around, Perry said. Six million people a month now visit TrueCar’s website and 10,000 dealers a day interact with the company’s marketing tools, he said.

“We’ll be able to come up with an action plan that works for car dealers and makes TrueCar a friendlier, stronger, better marketing partner,” Perry said.

He said he plans to begin visiting dealer showrooms in his first week on the job, with AutoNation CEO Mike Jackson one of the first he wants to meet.

“I’m hoping we can find a way to work together again,” Perry said. “It will be an important priority to build a bridge that AutoNation would be comfortable crossing.”

Car Loan Amortization Calculator With Auto Amortization Schedules #antique #auto #insurance


#auto amortization schedule
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Auto Loan Amortization Calculator

Home / Loans / Vehicle Payment Amortization Tables /

Car Loan Amortization Schedule

Auto Loan Amortizing Simplified

When they are secured using credit, the total purchase prices of big-ticket itemsВ are repaid over time, with interest added.В  Payment amounts and the duration of each billing cycle are unique to each loan, tied to a host of variables impacting repayment.

Major purchases, like real estate and cars, are financed using installment credit, which furnishes consistent repayment schedules and amounts.В  These purchases are long-term investments, requiring years to pay-off, so installment credit allows borrowers to forecast payment responsibilities accurately. Car loan amortization calculator harnesses all the factors influencing borrowing and repaying car loans, distilling your loan’s payment amount at various intervals.

Amortizing Loans Reduces Lender Risk

Loan repayment is subject to terms and conditions agreed upon by lenders and borrowers as loans originate.В  The amount of each payment, the length of the repayment term, and the interest percentage applied to theВ loan represent the basis for car loan repayment schedules, which consumers use to budget for future purchases.

Loans are structured in different ways, each carrying distinct advantages for lenders and debtors.В  Balloon loans, for example, require interest only payments for a particular term, before the entire loan principal balance comes due. Because a large part of the financing comes due all at once, toward the end of a loan period, balloon or bullet loans are very risky to lenders.В  It is just too easy for borrowers to limp along with interest payments, only to falter when the mother lode comes due.

To limit risk and help borrowers budget for payments; mortgages, car financing, and other high-dollar loans are amortized, or spread out, over the course of long-term repayment.В  Amortized payments are associated with the original sum borrowed, or principal amount.В  The amount to be repaid is broken into manageable chunks, due each billing period.В  Interest is then added to each amortized principle payment, comprising the total required payment for each billing period.

Interest and amortized principal operate on different schedules, so additional measures are required to keep payment amountsВ balanced over the life of aВ loan.В  Early payments on mortgages and other installment credit, for example, include higher portions of interest than those falling closer to the end of a loan’s life.В  As the final payments near, the amount of each payment applied to the original principal balance grows, while the interest amount charged during each billing cycle declines.В  Payments remain the same, they are just split-up differently.

Car amortization schedule uses inputs like down payment amount, loan term, and interest rate to help identify exactly what your car payments are, or will be.В  Interest is expressed as an annual percentage rate (APR) to be applied to the original loan balance.В  By keeping other terms equal, it is easy to see how APR influences each month’s payment.В  Amortization calculations also use the type of payments you make to determine where you stand on car loan amortization.В  Monthly payments, for example, provide one set of payment obligations, while bi-weekly payments alter the structure of repayment schedules significantly.

Once created, amortization schedules hold true until one or more of the variables used to create them changes.

Add a Computer to Your Car with a Raspberry Pi #auto #parts #miami


#auto computer
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Raspberry Pi Car Computer

Use the inexpensive Raspberry Pi to make an on-the-go, wi-fi enabled media center in your vehicle.

Raspberry Pi in my Ford Focus running Raspbian Wheezy.

I have always loved those old TV series with futuristic tech in those futuristic vehicles, like Knight Rider. Airwolf. and Street Hawk. So it got me thinking about how easy it would be to add a computer to a vehicle. Now I know it s been done before, and a quick Google search shows multiple companies making very complex vehicle computers, but at a large cost.

Well, I thought, my Raspberry Pi is the perfect device for this.

  • It s cheap
  • It s very small
  • It s got small power requirements (runs off a micro USB car charger)
  • It s got flexible video and audio outputs (HDMI and Composite RCA for video, HDMI and 3.5mm audio jack for audio)
  • And best of all, you can change operating systems by simply switching out SD cards.

Below is a photo of the Raspberry Pi running the excellent media center-type operating system Raspbmc  which is perfect for browsing and playing your media collection using a media center remote or something similar, as shown in the Parts list.

Raspbmc running on a Raspberry Pi in the car.

7 Automakers With The Best Car Warranties #for #sale #cars


#auto warranties
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7 automakers with the best car warranties

Shopping for a new-car warranty

When shopping for a new car, an important part of sizing up a deal financially should be to determine the value of the car warranties.

Auto companies traditionally offer basic coverage, which covers repairs and defects for three years or 36,000 miles, whichever comes first. However, some companies are offering warranties for much longer than the three-year 36,000-mile standard, and savvy shoppers can take advantage.

These buyers may benefit from having a lower total cost of ownership. There are generally at least four types of new-car warranties.

  • Basic: Also known as “bumper-to-bumper” coverage, this is the general coverage that would pay to repair defects in factory-installed parts. Tires are not typically included because they’re usually covered under a separate tire manufacturer warranty.
  • Powertrain: Covers the engine, transmission and transaxle parts, and usually lasts longer than basic coverage. This is also known as a drivetrain warranty.
  • Corrosion: Covers rust that causes holes in sheet metal in parts such as the doors or side panels.
  • Roadside assistance: Provides help with towing and tire-changing if the car breaks down while traveling.

It’s best to check with dealers for specifics, but here is a list of seven top auto companies that offer among the best car warranties, despite the fact that many are rated safe cars by independent research firms.

2003 G35 with 188, 000KM? Page 2 – Infiniti G35 #auto #vin #check


#rockcliff auto
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Yeah, not as smooth as I had hoped. He told me to call the financing company to get my money back, which I thought was odd, but called anyway. They laughed and told me that the owner has to give me my money back, not the finance company, which made sense to me. Anyways, I called the guy’s cellphone, and he refused to answer, but when I called the main desk, and then they transferred me through to him, he answered. Anyways, I got very serious with him, and told him that he needs to stop taking me on some little joy ride of his, and to give me my money back. He told me they can’t send me a cheque, and that I have to drive the 5 hours back to Toronto to pick it up in person, and I have a feeling they still won’t give it to me even if I do go there tomorrow. Not to mention it will cost $150 in gas to get there. not even worth it.

Anyways, I told him that they have two options. Send me the money back in cheque form/credit card, or I will take them to court. He started screaming at me telling me to f*** off and TAKE ME TO COURT.

I can’t believe I got all wrapped up in this. In total, if I go get the money back, this will cost me around $600 with gas (x2), and food (x2). I hate myself right now for falling into the palms of your typical used car salesman.

If, for instance, I did take him to court, could I sue for damages in the sense that he made me drive back to pick up my money, and the drive there to begin with, since I only went there to see the Audi that he supposedly had, but when I got there, it wasn’t there, and I wasn’t allowed to test drive like I was told I would be, and, turns out, the finance company won’t finance me now because I’m under 25, which is not what I was told over the phone. Basically, this was a complete waste of my time, money and patience.

Thanks for your replies guys, I appreciate it!

What does a Car Radiator do? (with pictures) – mobile wiseGEEK #oreily #auto #parts


#auto radiator
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wiseGEEK: What does a Car Radiator do?

To understand what a car radiator does, it might help to understand the nature of the internal combustion engine it protects. A car’s engine has numerous moving parts, and where there is movement there is friction. Friction creates heat. Motor oil is pumped throughout the engine block to provide some lubrication, but it isn’t enough to overcome all of this excess heat energy. As a result, parts of the engine become boiling hot as part of normal operations.

This is where the radiator system comes into play. The engine block must be kept relatively cool to avoid serious problems like overheating and seizure. If the pistons cannot slide freely in their cylinders due to excessive friction, they will eventually snap and cause total engine failure. To prevent this from happening, a mixture of water and anti-freeze is pumped through chambers in the engine block to absorb the excess heat and draw it away from vital areas.

When this superheated engine coolant exits the engine block, it returns through a large rubber hose. This component is designed to maximize surface area through a significant number of internal folds and chambers. As the hot engine coolant moves through these nooks and crannies, excess heat is drawn out through the walls. An electrical or belt-driven fan may force cooler outside air through the radiator to accelerate this cooling process. As the car moves, the front of the radiator is also cooled by the outside air coming through the car’s grill.

By the time the superheated engine coolant has made its way through all of the chambers, it should be cool enough to make a return trip through the engine block. However, if the coolant flow should be reduced by a blockage or loss of fluid, the engine block will not be cooled down and the remaining engine coolant will boil over. This is why maintaining a full coolant level is so important, especially during hot weather or long drives.

A radiator does not contain any electronic parts of its own — special sensors register the temperature of the coolant as it exits. Engine coolant does not have to be especially cool in order to be effective, so there is usually a wide range of temperatures considered to be within normal parameters. If anything goes wrong with the radiator itself, such as a leak or broken hose, the operating temperature of the car can reach a dangerous level within minutes. The engine must be allowed to cool down naturally before the vehicle can be driven safely to a mechanic.

Fully stocked LED lighting store with all the latest LED Products for home and business #auto #one


#led auto lights
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Fully stocked LED lighting store with all the latest LED Products for home and business

Our LED lighting specialists can help you select the right LED products for the job, large or small from retrofitting a commercial building with LEDs to a home LED cabinet lighting project, and even LED traffic safety supplies

Why buy your LED products from us

In the LED business since 1997, our staff understands how LED products came to be. We’ve grown with the industry from the beginning and aren’t one of those ‘me too’ retailers. The first LED light bulbs we brought to the market were hand crafted in the USA. We still strive to support small US factories and offer such products here as well as mass produced product

How to choose a LED Light bulb

Every light fixture benefits from a well-chosen light bulb. Improvements over the years have made LED light bulbs a very good choice. LED bulbs offer both practical and aesthetic advantages over other light sources. They are energy efficient, long lived, and give clear, consistent light. Today’s LED A19 bulbs offer a wide 360 degree light spread with no dark spot above the plane of the LEDs

Professional Help with your LED Projects

Take the guesswork out of selecting the right product. Whether you are new to LED lighting and aren’t sure which color temperature to choose or if you are a seasoned professional with questions on new LED technology, we can help. We have the LED lighting you need and can walk you through everything from dimming options for your LED lighting to selecting under cabinet LED lights.

Several Options for LED Cabinet Lighting

Sample Car Lease Agreement with Explanations #rockcliff #auto


#auto lease
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Sample Car Lease Agreement with Explanations

As part of the Consumer Leasing Act, the Federal government has required leasing companies to disclose important information before you sign the lease.

Although the law goes a long way in protecting consumers, the biggest weakness is that it does not require disclosure of the actual Money Factor (interest rate). Instead, it just lists the total amount of interest you will pay over the life of the lease.

The following is the standard form used when leasing a car. Scroll over the numbers to see an explanation for each section. (Use our Leasing Glossary for any terms you’re not familiar with)

My Recommendation for Car Shoppers

TrueCar No-Haggle and Edmunds Price Promise are the quickest way to see the lowest car prices in your area. These sites show you no-haggle prices from dealers closest to you – and the deals are usually really good. This should be the first step you take when negotiating your car price. Follow this up with my checklist to make sure you squeeze out every last bit of savings.

SHORT TRACK AUTO RACING. COM – WHAT IS WRONG WITH SHORT TRACK RACING AND HOW WE CAN FIX IT #auto #advance


#track auto
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SHORT TRACK AUTO RACING. COM

SHORT TRACK AUTO RACING. COM

It is time for the short track racing community to have a serious and thoughtful discussion about what we are doing and what we need to do to improve our racing. That is my goal. Please understand that I am a rookie at writing. I am going to say some things that some people won t like, but I am not trying to offend anyone. My purpose is to stimulate a discussion. The more ideas put forth,the better the odds that we, as a group, can identify what needs to be done. At present there are a number of conversations going on about this subject and that is a good start, however these discussions tend to be isolated in that fans talk about what fans want, racers talk about what racers want, etc. I think what is needed is fans, racers, and promoters all included in the same discussion. We are all in this together, we all want better racing, and we all know that the current situation is not working.

I am sure the first question you will have is why does this guy think he is qualified to say these things? Good question. Over the last 50 years I have been a driver, owner, owner/driver, crew member, and spectator. I have also been involved on the promotion side of racing. I have built racing engines, racing parts, and complete race cars and motorcycles. I have been in drag racing, off road racing, short track racing, and motocross. You can put whatever value you want on that.

Short track racing in Southern California is what I want to discuss. My comments are aimed at dirt track racing, but some of this discussion applies to asphalt tracks as well. Currently short track racing has a shortage of race cars and a shortage of fans. There is no shortage of opinions about what caused this. Let s see if we can sort through all these ideas and opinions and come up with the fixes we need.

I have set this up as 2 pages. The first page is what I believe are some of the problems causing a decline in short track racing. This isn t all the problems and I plan on adding to this list. The items are numbered. The second page is a list of possible fixes for the problems (also numbered). You can comment on the problems and/or fixes in general or if you want to comment on a specific item you can reference that items number. Please keep it clean and on topic. This is important for the future of short track racing.

What to Do About Auto Loans for People with Very Bad Credit #auto #battery #reviews


#auto loans for people with bad credit
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Do Car Loans for Very Bad Credit Scores Exist?

While a payday loan may seem like a good way to get cash when you need it to buy a car, there are better alternatives out there, even when you need very bad credit financing. One of these alternatives is car loans for people with bad credit from AutoNet Financial.

They are meant to appeal to people who need cash quickly and have no other way to get it. In order to qualify for this type of loan, you need a job and some type of income verification (your employer can’t be paying you under the table with cash. Typical loan amounts range from $100 to $2500, while the duration of the loan is usually 2 weeks. Interest rates are loosely regulated by the states for these amounts and average 25% per month (unlike a very bad credit car loan. payday loan interest is computed monthly, not yearly).

In addition to interest charges, the loan company usually assesses an origination fee. Many of the storefront locations these companies operate out of also offer check cashing services, pawn loans and car title loans.

Real Bad Credit Car Loans – Why They’re Better

Here is a typical payday loan scenario when you need a car loan. Let’s say you take out a $2500 payday loan to buy a car instead of choosing car loans for people with very low credit. You give the auto loan company your employment information and a copy of your last pay stub. You pay them the $15 origination fee and sign a document that says you will pay them $625 in interest (25% per month) plus the $2500 in principal in 2 weeks. If you don’t have the entire amount in 2 weeks, the loan company will allow you to roll over the loan for another 2 weeks, provided you pay them the interest amount. Most states will allow this type of rollover to occur at least four times.

What is the true cost to borrow this money? Well, let’s take a look. If you ended up rolling over the loan four times, for a total of 2 and a half months, it would look like this:

  1. $15.00 in origination fee plus
  2. $2500.00 in interest charges

This amounts to a total of $2515.00 in interest and charges to borrow $2500.00. This equates to an annual interest rate of over 100%. One other thing: if you don’t pay the principal back, the loan company can garnish your wages – which can be quite embarrassing, to say the least.

Very Poor Credit Auto Financing

A better alternative to payday loans are very bad credit car loans from buy here pay here dealerships. These loans feature:

  • At least a 36 month repayment term, repayable in installments;
  • No personal check mechanism or other unfair collateral. Your car is the collateral.
  • Full consideration of the borrower’s ability to repay the loan – the lender reviews your poor credit history for car loans and bases the loan amount on your ability to repay the loan

If you are considering a payday loan, you should also remember that they do little to help you get back on your feet – much less reestablish your credit history and raise your FICO score.

If you are not planning on buying a car with a payday loan and, instead, use it to pay off bills, you should know that a better alternative to payday lending is for you to deal directly with your debt. Many creditors will negotiate partial payments if a payment plan is in place. Working out a payment plan with creditors can allow the consumer to adjust billing to pay off bills over a longer period of time.

Some employers will allow paycheck advances to employees. Because this is a true advance, and not a loan, there is no interest and the advance is much cheaper than a payday loan.

Payday loans are a type of lending that is considered predatory and should be avoided by consumers at all costs. If you have had poor credit in the past and you need to reestablish your car credit and raise your credit score, you should consider car loans for people with low credit.

We have 20 years of practice in special finance and work directly with special finance car dealers and the leading automotive financing lenders throughout all of North America. The knowledge and expertise we have gained through years of bad credit car loan financing for people enables us to give you the best assistance possible for your personal situation.

The bargain second-hand cars with no previous owner – BBC News #standard #auto #parts


#second hand cars uk
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The bargain ‘second-hand’ cars with no previous owner

By Theo Leggett Business reporter, BBC News

9 May 2014

Buying a car can be exciting, but it can also be quite a headache.

One of the big choices facing buyers is whether to get something new, or a used model with a few miles on the clock.

It is a shiny silver Renault Megane, registered in 2014, and it has just six miles on the clock.

Is the car going to be right for you – is it going do the job you want it to do? And how much is it going to cost? Ian Crowder, AA Cars

There isn’t a fleck of dirt on it, the interior still has that unique new car smell, and its tyres have barely kissed the tarmac.

Yet as far as the motor trade is concerned, the Renault is a used vehicle, and it has a price tag to match.

It is on the market for £12,999, several thousand pounds less than you’d normally expect to pay for a new model.

Bargains like this can be found quite easily, if you know where to find them – and if you are willing to make certain compromises.

New or used?

Research recently carried out by the AA suggests three-quarters of drivers plan to buy a new set of wheels within the next five years.

For many people, the choice will ultimately boil down to cost.

“A lot of care needs to be taken,” warns Ian Crowder of AA cars.

“Is the car going to be right for you – is it going do the job you want it to do? And how much is it going to cost? It’s important to think about your budget and how you’re going to pay for it.”

“And how long do you plan to keep it? That might dictate whether you go for a new car or a used one,” he says.

There are big advantages to owning a car that has never been driven.

It is less likely to go wrong, and if it does, the manufacturer will sort it out under warranty.

You know its history, and you are unlikely to find any nasty surprises.

There is a catch though. Not only are new cars more expensive to buy, they also lose their value very quickly. In fact they can be worth up to 40% less the moment you drive them away from the dealership.

New ‘in effect’

Yet there are circumstances in which it can cost you less – over time – to buy a new car than a used model.

It may be the case, for example, if you are planning to pay for it on credit.

This is because manufacturers frequently offer low-cost or interest-free loans on new cars, along with other incentives which may not be available for used car sales.

A recent survey by What Car? Magazine suggests that, over a three-year period, new cars bought using a standard hire purchase agreement, or under a Personal Contract Purchase, can end up cheaper than used models about half of the time.

This doesn’t mean that new cars are actually cheaper of course, simply that there are good funding deals to be had, and that credit for used cars is often more expensive.

Nevertheless it is entirely possible to buy a car that is, in effect, new, for the price of a second-hand model.

Image caption Motor dealer Lee Arnold says buying “nearly new” can offer huge savings

‘Massive savings’

Which brings me back to that Renault.

The silver Megane is what is known as a “nearly new” or pre-registered car. It was first registered by a franchised dealer, who wanted to boost his sales figures in order to pick up lucrative incentives from the manufacturer.

In effect, the dealer bought the car himself.

“For us, our best customers are people who buy second-hand or nearly new vehicles”, says Lee Arnold, general manager of Motorpoint in Peterborough.

“If you don’t mind being the second owner of the vehicle, you can have massive savings off the retail price,” he says.

There is a catch of course. When you buy a pre-registered car, as Mr Arnold points out, you will be listed on the registration document as the second owner, which could affect the value when you come to sell it.

If it is a few months old, the warranty will be that bit shorter as well.

There is also less choice; you have to accept what is available, and may not be able to get the precise model you want.

But if you are not worried about the colour or the number of cup-holders, there are some good deals to be had.

The key, when you’re thinking about buying a car, is always to do your research first. That way you could end up driving off with a bargain – and avoid any nasty surprises.

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Refinancing with Bad Credit – 6 Questions to Ask #used #car #auto #loans


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#

Refinancing With Bad Credit: Information and FAQ

In this article:

How to Refinance With Bad Credit?

With interest rates near historic lows, it’s no wonder so many people are considering refinancing their homes mortgage and replacing their existing mortgage loans with a new, lower rate loans. This can save homeowners money over the life of the loan (they’re paying less in interest) and lower their monthly payments. But for homeowners with less-than-stellar credit, refinancing at a good interest rate or at all can be difficult. This guide will help.

How Does My Credit History Impact Refinancing?

Lenders use your credit score to determine how likely it is that you will pay them back in full and on time. Credit scores range from 300, which is very poor, to 850, which is perfect. Your score is calculated by looking at your past payment history (35 percent), amount owed (30 percent), length of time you ve had credit (15 percent), new credit (10 percent) and type of credit (10 percent).

As you can see, the bulk of your score is based on your past payment history and total debt, so people with too much debt or who haven’t paid their bills on time are going to seem “high risk” to lenders. Thus, a mortgage lender will charge a person with poor credit a higher interest rate to refinance because the lender is taking more of a risk by lending that person money. So while someone with an 800 credit score might only pay 3.5 percent on their mortgage, someone with a 650 or below may pay a full percentage point or more higher, which will likely equate to paying the lender tens of thousands of dollars more in interest over the life of the loan.

If you have poor credit and want to refinance, it’s important to calculate your monthly payments and to make sure a refinance is right for you. When you factor in closing costs and fees, the new loan, even if it is a slightly lower rate than your current loan, may not make financial sense. Beware: Sometimes, a refinance will lower your monthly payments (it’s lowering your interest rate) but will extend the term of your loan (i.e. it will make the new loan a 30-year loan even though you’d already paid down five years on your original loan and only had 25 more to go), which can end up costing you more in the long term. In this case, think long and hard about whether these lower monthly payments are worth the long-term cost.

How Can I Improve My Credit Score to Get a Better Interest Rate?

The better your credit score, the lower the interest rate a lender will likely grant you. To boost your score, first, get a copy of your credit reports (on annualcreditreport.com you get a free report each year) from all three credit bureaus (Equifax, TransUnion and Experian), and correct any errors you see on these reports that might be lowering your score. (You can learn how to correct errors on the credit bureaus’ websites.)

Going forward, pay all of your bills on time (create automatic reminders or set up automatic bill pay if you have trouble remembering to pay them), don’t take out several new credit lines at one time, and pay down your total debt load, especially if you ve nearly maxed out all your lines of credit.

If you have extremely bad credit, you may not be able to get a credit card, which means you’ll have trouble showing lenders that going forward, you can pay your bills on time. In this case, consider getting a secured credit card. With these cards, you can only charge the amount you have deposited in an account for the lender; you don’t have to pay the card off in full each month, but if you don’t, you will be charged interest.

What Else Can I Do to Get a Lower Interest Rate?

If you’ve done everything you can to improve your credit score but still can’t refinance or get an interest rate that you want, you should take other measures to help ensure you get a lower interest rate.

First, if you can manage it, put a significant amount of money in the bank or have other liquid assets on hand, as this shows the lender that you have the means to repay the loan.

Second, consider having someone with a higher credit score than you co-sign the loan. This, too, gives the lender assurance that you will repay the loan in full and on time because now a person with good credit is also responsible for the loan. Just make sure that the co-signer understands that if you don’t repay the loan, the co-signer is on the hook for repaying it.

What Is the Typical Refinancing Process Like?

No matter your credit score, the refinancing process typically works like this: A homeowner selects a lender with which to get a refi (see Zillow’s list of lenders ); the lender does not have to be the same lender you currently have a mortgage with. The homeowner contacts the lender to see what is needed to apply for the new loan. Typically, the lender will ask for past tax returns, pay stubs, proof of assets, list of debts and other financial documents, which are used to determine your ability to repay.

If you are approved for the refinance, the lender will give you a quote, which should include the rate, closing costs and fees. If you accept this quote, the lender will order an appraisal of your home, which will determine the amount of equity you have in your home (typically, lenders like buyers who have 20 percent equity or more in their homes). Finally, you will close on the loan, during which time you’ll complete and sign all closing documents, pay any fees and the new lender will send money to the old lender paying off your former mortgage.

What Are Some Alternatives to Traditional Refinancing?

If you can’t get a traditional refinance, there are other ways you can lower your monthly payments. One is the Home Affordable Modification Program (HAMP), which was created in 2009 to help homeowners struggling to pay down their mortgages avoid foreclosure. The program reduces troubled homeowners’ monthly payments to 31 percent of their pre-tax monthly income. Mortgage companies with loans owned by Fannie Mae and Freddie Mac are required to participate in the program, and many other lenders do voluntarily.  Click here for HAMP program details .

Homeowners may also want to consider HARP. also known as the Home Affordable Refinance Program, which lets homeowners (though only those who aren’t behind on their mortgage payments) refinance when they can’t get a traditional refinance because the value of their homes has gone down.

Pilot® SC-275G – Gray Seat Cushion with Lumbar Support #cheap #auto #parts


#auto seat cushions
#

Product Details

Learn everything you want to know about this product

to make an informed purchase.

Universal Gray Seat Cushion with Lumbar Support (SC-275G) by Pilot®, 23″H x 23″W x 2.5″L. Pilot offers a full selection of seat cushion cover with a special thermal foam pads to provide maximum comfort and protection. Made from strong, sturdy fabrics, for a more snug, wrinkle-free fit.

Features:

  • Provides a orthopedic and comfort
  • Contains one seat cushion
  • Elastic strap keeps cushion in place
  • Durable and breathable
  • Designed to fit most high and low-backed bucket seats

When the time has come to add a little more style and functionality to your vehicle, Pilot has you covered. To satisfy every need of every car enthusiasts out there, the company offers the widest range of top-quality accessories and parts, ranging from the impenetrable car covers to the eye-catching chrome accessories and everything in between. Grilles, wipers, exhaust tips, floor mats and fuel pumps are just a few examples of what Pilot has in store for you.

Whatever vehicle you drive, you can count on Pilot to deliver the highest quality, the best-performing, and the most innovative products out there. Every single accessory and part created by Pilot is precision-engineered using advanced equipment and then meticulously crafted to stringent quality standards. It’s all because the company’s goal is not to meet your expectations but to consistently exceed them. And for you to be sure that the Pilot’s team stands behind the products in every way, the company backs ever product by a 1-year warranty.

Wang’s International began as a small, niche supplier of automotive accessories to the traditional Accessory Market. Pilot Automotive was created in 1996 to support the growing DIY Market. Both sides of the company are designed to specialize and maximize the different types of support required for different types of markets. In the beginning, the warehouse and offices actually occupied the same room and they had one employee. Today, they have grown to five distribution centers, more than 100 Pilot team members, and are one of the largest automotive and truck accessory suppliers.

Our Guide To The Philadelphia Auto Show, Which Returns With Cool Cars, Special Events, Test Drives And More, January 31-February 8 #cars #4 #sale


#philly auto show
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Our Guide To The Philadelphia Auto Show, Which Returns With Cool Cars, Special Events, Test Drives And More, January 31-February 8

Fasten your seat belts: the Philadelphia Auto Show returns this Saturday, January 31 and runs through February 8.

(Photo courtesy Philadelphia Auto Show)

The Philadelphia Auto Show races into town on Saturday, January 31 and stays put at the Pennsylvania Convention Center through February 8.

Check out (and learn about) cars of all sort from soon-to-be released models to classic cars that used to rule the road while also test driving cars from Jeep and Toyota.

Read on for our guide to this year s Auto Show.

Background

A tradition since 1902, the Auto Show continually brings the best of the best in automotive design to the spotlight and allows attendees to sit in the vehicles, learn about the cars and some companies even allow guests to test drive.

The featured cars this year include some of the newest models out there everything from Buick and Fiat to Aston Martin and Bentley. A number of classic cars will be on view, too, like a 1970 Plymouth Superbird and a 1929 Dupont le Mans Speedster.

Guests can learn about cars, drive them, ooh and ahh over developments or simply pose for photos in impressive models.

Special Events

The Auto Show opens on Friday, January 30 with the black tie tailgate. a benefit for the Division of Neonatology at CHOP. Be one of the first to check out the 2015 Philadelphia Auto Show as you dine and dance in the Pennsylvania Convention Center during the annual Black Tie Tailgate. The annual gala features an open bar, live music and food by Chef Jose Garces.

Test drive some of the featured cars at ride and drives, events that run throughout the duration of the Auto Show. Test drive Toyotas and Kias or try out a Jeep in the Camp Jeep exhibit. Additional events include live radio broadcasts from the Auto Show and even some tunes from Wired 96.5.

Car fan? The Philadelphia Auto Show is for you with its variety of makes and models — and the opportunity to test drive some of the cars. (Photo courtesy the Philadelphia Auto Show)

New Study Reveals States With Lowest Auto Loan Rates #auto #detailing #prices


#lowest auto loan rates
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New Study Reveals States With Lowest Auto Loan Rates

Just the Facts:

  • The U.S. states with the lowest average auto loan rates are Michigan, Oregon and Alaska, according to a new study by GoBankingRates.com.
  • The study said the states with the highest average rates are Rhode Island, Connecticut and New Jersey.
  • GoBankingRates.com found the nationwide average interest rate for a loan on a new vehicle is 3.65 percent.

LOS ANGELES A new study by GoBankingRates.com says the U.S. states with the lowest average auto loan rates are Michigan, Oregon and Alaska. The states with the highest average rates are Rhode Island, Connecticut and New Jersey.

The study found that the average interest rate nationwide for a loan on a new vehicle is 3.65 percent. In general, states on the West Coast have the lowest overall rates, while the Northeast has the most states with rates of 4.01 percent or higher.

GoBankingRates.com partnered with Informa Research Services to gather online data from more than 4,000 U.S. banks and credit unions. The study looked at the base interest rates for new-car loans as of July 24, 2013, for terms of 36 months, 48 months and 60 months, then averaged the findings from each state to arrive at the rankings.

Michigan, the traditional home of the U.S. auto industry, turned out to have the lowest statewide average: 3.03 percent. The best rates in Michigan were 1.49 percent for 36 months, 1.49 percent for 48 months and 1.75 percent for 60 months.

Oregon and Alaska each averaged 3.04 percent, according to the study. Rounding out the top 10 were New Hampshire, South Carolina, Vermont, Oklahoma, Utah, Washington and North Carolina, with rates ranging from 3.08 percent to 3.31 percent.

The worst rates were found in Rhode Island, which averaged 5.11 percent. Other bottom-10 results included Connecticut, New Jersey, Massachusetts, Louisiana, West Virginia, Delaware, Mississippi, Pennsylvania and the District of Columbia, with rates from 4.82 percent to 3.95 percent.

Although the study makes for interesting reading, rates within each state vary widely, so the compiled averages don’t tell consumers the whole story. A car shopper in Rhode Island, the state with the worst average, may find a local financial institution offering a rate equal to or better than the lowest one in Michigan, which had the best average.

As GoBankingRates.com advises, “When it comes to affordable financing, there are always great options available on the local level, and it’s up to the borrower to find them.”

In a recovering economy it’s particularly important to shop around for the best rate. For some time, many automakers have helped keep interest rates low through subsidies and incentives that increased sales. As the economy improves, says GoBankingRates.com, interest rates are on the rise.

But for now, the site notes, “car buyers continue to enjoy some of the lowest financing options available.” It just takes diligent comparison shopping to root out the best deals.

Edmunds says: As always, it pays to do your homework before walking into a lender’s office or car dealership.

Lees Discount Auto Body – Quality auto body repair you can trust. (303) 451-5536 Over 40 years experience in the Metro Colorado area. Great work, excellent price, we also work with most insurance companies. #auto #zone.com


#discount auto body parts
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Home

Welcome to Lee s Discount Auto Body

We are a small minority owned business with over 46 years of experience in the collision repair industry; we know how to get the job done quickly, and at an affordable rate. We have been at this location for over 16 years, and over the years we have done work for, and worked with all the insurance companies, but as times change we are now considered to small to be a direct repair facility for these same insurances.

It is Colorado law that everyone has the right to choose their own repair facility, and our work and name is recognized and approved by all insurance companies for anyone who chooses to use our shop for their repairs. In case of a major collision where the vehicle is not road worthy just call or have it towed here and we we will do everything necessary to restore your vehicle to it s original condition, and have it back to you as soon as possible. Or once an estimate is written by a representative of your insurance or theirs, you have the right to bring it here.

Fastest Turnaround on all major repairs.

How to refinance a car loan with poor credit with easy access to online rates #auto #brokers


#bad credit auto refinance
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How to refinance a car loan with poor credit with easy access to online rates

The how to refinance a car loan with poor credit can ease the burden of millions of Americans across the country. Plenty of car owners and car drivers have had little chance to get financial relief because of their bad credit woes. The great strides in software technology have improved the internet use for services of all kinds. This has brought about a radical change in the viewpoint of businesses towards credit challenged consumers. The auto finance industry has been no exception to this rule. Well off citizens cornered by the economic recession had no way to seek reliable financial relief from their debt burdens.

Refinance Your Car Loan Even with Poor Credit and Lower Your Monthly Payment to Save on Your Finance! Guaranteed Approval within 15 Minutes, So Apply Here Now

The best company to refinance auto loan with bad credit can be found simple and quick with a little online research. The credit challenged consumers can easily access special auto loan refinance rates and terms meant for bad credit borrowers. The online digital database platforms are updated regularly with the real competitive rates to help car owners and car drivers find their affordable prices. With the increase in online competitive rates, auto refinance car loans seem to be the one method for credit challenged consumers to lower their debt burdens. Many banks and credit unions, as well as lenders have advertisements for lower interest rates.

The consumers refinancing a car loan with bad credit will find the online process easier than ever before. The online competitive rates are configured for less than perfect credit borrowers looking for auto refinance car loans. Most of the auto refinance service providers have introduced the listing of refinance rates for bad credit consumers in their online database. The credit challenged consumers looking for auto refinance for an existing new or used auto loan have to look on further than the online service provider s database. Here, plenty of autos refinance companies of national repute offer real time competitive rates. The borrowers from the general public can get in touch with the lenders and dealers willing to work with consumers having poor credit.

The best company to refinance auto loan with bad credit provide instant access to real time competitive rates published daily. The online digital database platforms are designed to provide the maximum of benefits to users free of charge. The consumers with less than perfect credit across the country can use this in their efforts to explore auto refinance rates. The online real time programming of auto refinance rates reduce consumer efforts and speeds up the process from application to approval. There are still majority of auto finance companies that refuse to auto refinance with lower interest rates for credit challenged consumers.

The process of refinancing a car loan with bad credit has been dealt with effectively by many online lenders specialized in bad credit auto loans. The borrowers with credit challenged issues and vehicles with higher than acceptable mileage pose a challenge to many conventional or prime lenders. The online auto finance companies, lenders and dealers dealing in auto refinance car loans for bad credit are of special help in such situations.

Free Automotive Diagnostic Help (with Pictures) #used #car #auctions


#auto diagnostics
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Free Automotive Diagnostic Help

Promoted by

Local Help

Many auto parts stores offer free automotive help. Advance Auto Parts offers free diagnostics with the same machine auto repair shops charge for. Not to mention they will actually do the little jobs for you. If you have a dying battery and go to Advance for a replacement, they will change the battery for you free if you do not know how. The same goes for other small jobs such as headlight bulbs and fuses (see Reference 1).

Auto Zone is another store that offers free services. They will test batteries and alternators to see if they are causing the problem and will also use a diagnostic machine to establish what other problems may exist, according to the company website.

Often you can ascertain what is ailing your vehicle without ever leaving the house. Many websites allow you to ask auto repair questions online free. Websites such as 2carpros have forums where you can post your car questions and get answers from mechanics and car enthusiasts quickly. Just about any vehicle and any problem can be found on this forum and often a search will reveal your question already asked and answered (see Reference 2).

Beware of sites that promise free diagnostics but don’t follow through. One such site allows you to submit your auto question for what it claims is free but then redirects you to a site where experts answer questions in exchange for small fees. The fees are usually considerably less expensive than taking your vehicle to a mechanic but are still not the free answers promised.

Check out your local library for vehicle-specific auto repair manuals such as the ones published by Haynes. These contain a troubleshooting section that details what could be wrong and how to test it for a wide variety of problems. Once you determine the problem, other sections of the book will give you step-by-step instructions that will help you repair the problem yourself. Other books such as Auto Repair for Dummies can provide more generalized help.

Finding Banks with Low Auto Loan Rates. #japan #auto


#lowest auto loan rates
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Finding Banks with Low Auto Loan Rates

If you are looking for the lowest auto loan rates, you need to know how to find lenders offering the most affordable car loans. In order to get the lowest rates possible, you will need to have good or excellent credit to minimize any risk you may pose to car loan lenders. This how-to guide will show you how to find loans with the lowest interest rates.

Research Lender Rates

When searching for a loan it is always a good idea to shop around. Banks, credit unions and online loan operations are the most common and popular places to secure financing for a vehicle. Additionally, almost every single car dealer will be happy to provide financing for your new car. While a bit overwhelming, it really pays to do some researching; the web is a quick way to peruse current car loan interest rates in your area. Check all available outlets and compare rates, terms and fees.

Also, look for discount rates by organizations like the Automobile Club or AARP. If you belong to a trade group or organization that has negotiated better terms for their member be sure to take advantage of those discounts.

Look for Credit Unions

Credit unions are a great source for low-rate auto finance loans. If you are not currently a credit union member, visit local credit unions and inquire about membership requirements. You may qualify for membership in a credit union based on region, by a family member who is already a one or is eligible to be one.

Research Captive Finance Companies

If you are shopping for a new car or certified used car, you might be able to take advantage of special finance deals being offered by captive finance companies. Captive finance companies are simply the lending arm of the major car manufacturing companies. Most large car manufacturers have a subsidiary that makes car loans to consumers. For car buyers with good or excellent credit, these companies often run incredibly low interest loan deals sometimes as low as zero percent. Bear in mind that these low interest loans are usually only made for loans with particularly short terms of two years or less.

Credit Report

Your credit score affects the interest rate and terms on your loan, so be sure to review your credit reports annually. Report any inaccuracies to the reporting agency as soon as you notice them.

If your credit score is below 620, you likely only qualify for subprime loans. Keeping your credit report clean is extremely important when looking for a car loan. Make sure all your payments are on-time and limit your credit usage if your score is low.

Loans, like the price of the vehicle are negotiable. If you have good credit and a sizable down payment you should be able to negotiate favorable rates and terms for your loan. If you are not happy with the deal you are being offered shop around and see if you can find a better deal.

Make sure you read and understand all loan documents before you sign them. Interest rates are just one part of the loan. Fees, terms and conditions, and origination fees are a large part of a loan as well.

Auto loan rates are down for buyers with bad credit #auto #body #shop


#auto loan bad credit
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Auto loan rates are down, and financing is easier to get for buyers with bad credit

By: Bill Visnic, June 13th 2011

It was tough for buyers with less-than-perfect credit to get an auto loan during the recession.

Even after the recession ended, many economists and auto-industry analysts said credit requirements stayed too strict for too long, dampening many borrowers’ ability to buy a new car or truck.

But prospects are improving for subprime borrowers – it’s not only getting easier to get a car loan but to qualify for a better interest rate, too.

Credit data expert Experian Automotive says that sharply declining repossession rates in the first part of 2011 are giving lenders confidence that auto-loan defaults, spurred by the recession, are leveling out.

In the first quarter this year, 30-day delinquencies were down almost 8%, said Experian, and the total balance of auto-loan delinquencies was down $2.3 billion compared with the same period in 2010.

That, as well as a big effort on the part of car companies such as General Motors and Chrysler to expand the availability of subprime loans from their “in-house” lending units, means it’s getting significantly easier for those with nonprime credit (score of 620 to 679) and subprime credit (score of 550 to 619) to obtain an auto loan.

That’s one of the reasons that a dealership’s finance manager can often offer the best deals on bad-credit car loans.

Lending to auto buyers with nonprime scores was up 7.8% in the first quarter, and subprime loans increased by 8.5%, Experian says.

Even more helpful, the average credit score for all auto loans was down a significant 10 points to 766 – not far from the average loan score of 753 just before the recession.

Meanwhile, interest rates for nonprime and subprime auto loans also are declining.

In the first quarter last year, the average annual percentage rate (APR) for subprime auto loans was 10.8%.

This year, the APR on subprime loans was down to 10.38%. Nonprime auto loan rates dropped almost a full point, from 7.57% in 2010 to 6.76% this year.

Click here to compare the best auto loan rates from dozens of lenders.

Our use our auto loan calculator to see what the monthly payments would be for any interest rate and deal.

Experian summarized by saying that “credit continues to loosen” on auto loans and average credit scores needed to qualify for loans at all credit-rating levels continues to decrease.

The auto loan rates for subprime buyers that had reached nosebleed heights during the recession are starting to return to more acceptable levels that make monthly payments more manageable for buyers with less-than-perfect credit.

This is true of financing terms for both new and used vehicles.

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2003 G35 with 188, 000KM? Page 2 – Infiniti G35 #auto #headlights


#rockcliff auto
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Yeah, not as smooth as I had hoped. He told me to call the financing company to get my money back, which I thought was odd, but called anyway. They laughed and told me that the owner has to give me my money back, not the finance company, which made sense to me. Anyways, I called the guy’s cellphone, and he refused to answer, but when I called the main desk, and then they transferred me through to him, he answered. Anyways, I got very serious with him, and told him that he needs to stop taking me on some little joy ride of his, and to give me my money back. He told me they can’t send me a cheque, and that I have to drive the 5 hours back to Toronto to pick it up in person, and I have a feeling they still won’t give it to me even if I do go there tomorrow. Not to mention it will cost $150 in gas to get there. not even worth it.

Anyways, I told him that they have two options. Send me the money back in cheque form/credit card, or I will take them to court. He started screaming at me telling me to f*** off and TAKE ME TO COURT.

I can’t believe I got all wrapped up in this. In total, if I go get the money back, this will cost me around $600 with gas (x2), and food (x2). I hate myself right now for falling into the palms of your typical used car salesman.

If, for instance, I did take him to court, could I sue for damages in the sense that he made me drive back to pick up my money, and the drive there to begin with, since I only went there to see the Audi that he supposedly had, but when I got there, it wasn’t there, and I wasn’t allowed to test drive like I was told I would be, and, turns out, the finance company won’t finance me now because I’m under 25, which is not what I was told over the phone. Basically, this was a complete waste of my time, money and patience.

Thanks for your replies guys, I appreciate it!

4 Financial Tips To Sell A Car With A Lien #buying #a #new #car


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4 financial tips to sell a car with a lien

Got a car lien? Sell it anyway

Just because you owe money on your car doesn’t mean you can’t sell it. The sales process may be more complicated, but it’s not uncommon to sell a vehicle with a car lien on it.

The reasons a used car may have a lien vary. It may be that you owe money for unpaid repairs or you used your vehicle as collateral. More likely there’s a lien because the vehicle was financed and hasn’t been paid off yet. In any of those cases, the lender or lien holder owns the car and thus the title. Without the title, the buyer can’t take legal ownership of the vehicle, making the sale process a little more complicated but not unattainable.

“Most vehicles that are sold do have an existing lien on them,” says Lana Johnson, senior vice president of originations for Santander Consumer USA, an auto financing firm in Fort Worth, Texas. “It’s usually primarily because the car was financed.”

If that’s your predicament, here are some tips to sell a car with a lien.

Dealerships make selling easy

When looking to sell a vehicle with a car lien due to financing, there are two options. You can sell to a dealer or sell it in the private market. Depending on which way you go, the process will differ.

“Going to the dealership is the easiest route to sell,” says Ron Montoya, consumer advice analyst at Edmunds.com, a vehicle information website. Dealers take care of the paperwork for you. If you do decide to work with a dealer, make sure you are getting a fair price. Know the value of your car before you start negotiating.

Robert Sinclair Jr. spokesman for AAA New York, says anyone looking to sell a used car in “decent condition” should expect to get a good price. “With the bad economy, people are holding on to their cars much longer, resulting in fewer used cars,” he says. Sinclair says to never accept below book value for your vehicle. Book value is a car’s market value as determined by Kelley Blue Book.

Whether you sell to a dealer or an individual, the sale of a car with a lien gets tricky if the loan is upside down, meaning you owe more than the car is worth. In that case, Montoya says you’re apt to have more difficulty selling the car unless you are willing to pay the difference.

Do your research before selling

Before attempting to sell your used car to a dealer, Johnson says to call your lender to find out how much you owe. Once at the dealership, the dealer will evaluate your car and tell you what it’s willing to pay.

“If you agree to sell the car, the dealer makes it really easy,” says Johnson. “The dealer handles the entire transaction from there.” That means you give the dealer power of attorney and it will contact your lender on your behalf and make arrangements to pay it directly, and give you any money over the loan’s balance. Once the loan is paid off, the lender will then release the car’s title to the dealership.

When selling to a dealer, Montoya at Edmunds.com says to make sure you are in contact with your car’s lien holder the entire time, and that you get details in writing from the dealer, laying out all the terms of the deal.

“Make sure they give you some sort of certificate that the balance is paid off before you hand over the keys,” Montoya says.

Make more money by selling privately

Selling to an individual may be a bit more complicated, but it may yield you a higher sale price. “Often, you can get more money from a person, but there’s a lot more time and effort,” Johnson says.

When listing your car for sale, you may want to note that there’s a lien on it upfront to prevent any confusion. If your car lien holder is local, the seller and buyer can go to the lender’s office directly to pay off the loan and give the buyer ownership of the title, says Jeffrey Foster, an attorney at Foster Law Offices in Seattle.

Another option is to have the buyer pay the lender for the seller and then pay the seller any money above the payoff amount, similar to how the dealer does it. Depending on the state, the lien holder hands the title over to the buyer, or the buyer would have to wait for the title to be released to the seller and then sign it over to the buyer, requiring a leap of faith on the buyer’s part.

Escrow accounts provide security

One way to protect all the parties involved in a private transaction is to use an escrow service that will secure the buyer’s funds until he or she takes possession of the car and title. “The standard escrow secures buyer’s funds so the seller knows the funds are real money and the buyer takes possession and makes sure it’s what it’s supposed to be,” says Andee Hill, director of business development at Escrow.com based in Rancho Santa Margarita, Calif.

In addition to an escrow service, consumers can purchase payoff services that will do all the work for them by gathering the lien holder information, confirming the payoff amount, reconfirming the amount at closing and making sure there are enough funds in the escrow account. Other available services include a title transfer service to ensure the lien holder transfers the title to the buyer.

The fees for escrow services vary based on the amount being financed. “We see a lot of splitting of the escrow fee between the seller and the buyer,” Hill says. “It benefits both parties. It’s not only the buyer making sure he gets the vehicle and title, but the seller has a lot of risk because there’s payment fraud.”