No Credit Check Loans – Look Before you Leap #bad #credit #auto #loans


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No Credit Check Loans

By Justin Pritchard. Banking/Loans Expert

Justin Pritchard helps consumers navigate the world of banking.

If your credit prevents you from getting a loan, it may be possible to borrow without relying on your credit history. However, you need to be careful when using no credit check loans. These loans are expensive, and they only make sense when all other options are off the table.

Do You Really Need One?

If they say no, that’s fine – you can always look at other options. But you never know for sure until you ask.

It’s important to understand that lenders aren’t in business to lose money. If anybody is willing to lend you money without checking your credit, they’re doing it for a price. Make sure you know what that price is before you apply. They’ll typically charge high interest rates along with various fees to compensate them for the risk. If you can avoid paying that price, do so.

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In general, it’s best to avoid no credit check loans unless you’re truly out of options. They should not be used to purchase “wants” or luxuries – they’re best for “needs.” If you need to fix your car so that you can keep getting to work (and earning an income), one of these loans might make sense. The same is true for a medical procedure that you have no other way of funding.

Types of Loans

No credit check loans are typically short term loans that you get relatively quickly. These generally aren’t loans that you’ll repay over several years; a few weeks or months is more common. They are very much like payday loans. which are expensive short-term loans. In fact, a lot of advertisements for no credit check loans are really just ads for payday loan programs. Lenders don’t make these lending decisions based on your credit score. Instead, they look at your income, and assume that you’ll keep your job long enough to pay off the loan.

Another common type of loan is a longer term loan that you get by pledging collateral. Car title loans. for example, allow you to borrow against the value of your automobile. The lender gives you cash, but in exchange you authorize them to take your vehicle if you fail to repay the loan on time. These loans can be especially problematic if you need your car to get to work and continue earning an income.

Avoid Scams

Borrowers looking to borrow without credit inquiries are desperate, so scammers are naturally easy to find in this space.

The most common scams involve charging fees while providing nothing in return. Application fees are not unheard of, but beware of lenders who want fees up-front – you might not get what you pay for. Fees should be clearly disclosed up-front. If you get any “surprises,” start worrying. Reputable lenders tell you what to expect, while scam artists just take what they can for as long as you’ll give it to them. Any fees should be taken out of your loan proceeds after your loan is approved.

You should also pay attention to what type of information your lender is asking for. Do they want your Social Security Number? Why do they need it if your credit doesn’t matter? They might end up running your credit (which can ding your credit scores) or using the information for identity theft. If you’re not 100% sure who you’re dealing with, keep your Social Security Number to yourself.

If it sounds too good to be true, it usually is. Keep an eye out for overly optimistic promises: nobody can “guarantee” you anything – especially if they don’t you (they need to know a few things about you before deciding whether or not to lend money). Remember also that these loans are always going to be expensive because they are risky loans to make. If you don’t see some hefty costs involved (a high interest rate. or loan processing fees that will be taken out of your loan proceeds), you’re probably not getting the whole picture.

Build Credit

In order to avoid these types of loans in the future, start building credit as soon as possible. Someday you’ll be able to borrow much less expensively, and you’ll have more options available to you (such as longer term loans and higher credit limits ) if you build credit. For more information, see How to Build Credit .


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 #service #manuals


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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.


Title Check – Look before you buy #auto #train


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Title Check – Look before you buy

Welcome to Title Check!

Here you can select an approved provider to check the Vehicle Identification Number (VIN) of the vehicle you want to purchase to find out if it is salvaged, rebuilt, or was damaged in a flood. This is one of the most important steps you can take to protect yourself before making your purchase.

Here’s what you do to complete a Title Check:

  1. Get the VIN of the vehicle you want to buy.
  2. Have your credit card available.
  3. Select one of the approved providers below. Prices begin at only a couple dollars so you may want to shop the vendors before making a selection. Be sure to note what is offered for the price.
  4. Follow the steps to obtain the report.

The VIN is run through the National Motor Vehicle Title Information System (NMVTIS), a national consumer protection database that provides title information from states across the country. Whether you are buying from a local dealer, individual or eyeing a vehicle from an online auction website, it will help you to know what you are buying before you pay any money or sign any paperwork for the vehicle.

A report from the NMVTIS database gives you the vehicle’s title history, which includes whether the vehicle was ever in the possession of a junk or salvage yard or declared a “total loss” by an insurance company.

Protect your title, Texas.

    For Consumers


Why You Should NOT Buy a New Car – ReadyForZero Blog #auto #advance


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Why You Should NOT Buy a New Car

17 Oct 2012 by Ben

Welcome to the 5th  Smart Money Debate at ReadyForZero . To see the other side  of this debate, read Miranda s post: Why You Should Buy a New Car (Not Used). And then let us know which argument was more convincing!

Buying new things is fun. I love unwrapping the shiny packaging, opening up the box, and smelling the factory made scent of something brand new. There is nothing quite like holding something in your hands that nobody else has ever used. It makes you feel well special.

You know what makes me feel even more special than buying something brand new? Saving money. That is why almost everything I purchase is used. Don t get me wrong I m not one to purchase a used pair of Hanes. However, with most items, you can find great deals if you are willing to buy used. This is especially true when it comes to major purchases like cars.

While I wouldn t recommend buying any old lemon, buying used cars is the only thing that makes sense financially. Our family has purchased new before, and we consider it to be one of the biggest financial mistakes we have ever made. Here is why we will never buy a new car again and neither should you!

Reason #1: New Cars Don t Hold Their Value

We ve all heard this before, but it bears repeating: a new car begins losing value the minute that you drive it off the lot. How much value you ask? According to Edmunds.com, a new car loses approximately 10% of its value as soon as you drive away. 10%. Furthermore, it loses about 20% of its value after the first year, and 10% off the original purchase price per year after that. Depending on the make and model of your new car, you may have lost up to 80% of the value from the purchase price within 5 years!

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Would you invest $25,000 in the stock market if you knew that you were going to lose $2,500 the moment you completed the transaction? Would you buy a house for $200,000 if you knew for a fact that it would only be worth $180,000 the minute you were handed the key and $160,000 a year later. Of course you wouldn t! No sane person would. Why would you do the same thing with a car? Let somebody take that huge financial hit by buying the new car. Then, you can take advantage of their silliness and buy the car used after they trade it in a few years later.

Reason #2: Used Cars are Cheaper

Since new cars are clearly a poor investment, it makes sense that the sticker price for used cars is far less expensive than the newer models. For instance, a brand new 2012 Toyota Prius is currently selling for around $28,500. Earlier this year, we were able to purchase a used 2009 Prius with under 25,000 miles for only $17,500. While red isn t exactly my favorite color, I was happy to suffer through it in order to save $11,000.

Reason #3: Less Worry

You know the nervous feeling that you get when you buy something new? You become very protective of it. You don t want anything to spill or scratch it. You re so proud of it that you want it to stay looking all brand new and shiny for forever. That is why you bought the product new in the first place. Afterall, what good is a new car if it doesn t actually look new.

I hate to tell you this, but eventually everything that is new is going to become blemished. When it does, you may be devastated especially if you spent as much money on it as you would a car. Why not save yourself all of that worry, headache, and stress? Just buy your cars used. A nick, dent, or scratch doesn t seem like such a big deal then.

Reason #4: Warranties are Available

People who tell you to buy a new car will tout the great warranties with which new cars come. Guess what. Most used cars will come with a warranty as well. In fact, the most important warranty the manufacturer s powertrain warranty should still be in effect as long as the car has not exceeded its age or mileage limits. This warranty covers all of the big stuff that might break like your engine or transmission. So, the warranty argument doesn t really hold water. If the warranty is in effect, the argument that you are going to have to pay for more repairs to a used car than you would for a new car doesn t really work either.

Reason #5: A New Car is a Bad Investment

Have I mentioned that a new car loses 10% of its value the moment you drive it off the lot and 20% of its value over the first year alone. Oh, I did? Good. Well, this is so important that I m mentioning it again. If that new car smell is still tempting you, go back and read Reason #1 to help snap you back into reality. Then, go out and buy a New Car Smell air freshener to put in your used car, and save yourself thousands of dollars.

As you can see, buying a new car is not the best decision for your finances. While that new car smell may make you feel like you are loaded, buying a new car is just another way of trying to look wealthy. It is a status symbol that savvy spenders can do without. If you re in the market for a new car, do yourself a favor and buy a used one instead.

No matter what you decide, use ReadyForZero to track your debt payoff it s a free online tool that helps you stay motivated and pay off your debt in the fastest time frame possible.

To see the other side  of this debate, read Miranda s post: Why You Should Buy a New Car (Not Used). And then let us know which argument was more convincing!

This post was published by Ben, Content Manager and Writer for » ReadyForZero. ReadyForZero is a company that helps people get out of debt on their own with a simple and free online tool that can automate and track your debt paydown.


Before You Purchase Commercial Auto Business Insurance #brandywine #auto #parts


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Before You Purchase Commercial Auto Business Insurance

By Gregory Boop. Business Insurance Expert

Commercial auto insurance is one of the most important aspects of your business insurance program. If your business uses a vehicle, or many vehicles, you need commercial auto insurance and you will want to ask your business insurance professional some important questions. You will also want to provide your business insurance professional with a complete picture of your vehicle use.

How Many Vehicles and Drivers Will the Business Insure?

Commercial auto insurers often separate coverage types based on the number of vehicles and drivers to be insured. Fleet insurance is an option for businesses that will have a number of vehicles and drivers. The number of vehicles differs with each insurer and may depend on the class of vehicle. But, fleet insurance may be a less expensive alternative than individual, per vehicle policies.

What is the Policy Definition of Commercial Use?

Your personal auto policy will exclude coverage for commercial uses of your vehicle.

A commercial policy will establish a definition of commercial use as well. It is important that you read the definition and discuss this with your insurance professional. If there is any question, it is better to obtain a commercial auto policy so that, in case of an accident, there is no chance of being uninsured.

How Can You Lower Premium Costs?

Commercial auto business insurance premiums can be lowered by:

  • Business Location – the location of the vehicles determines premiums for theft.
  • Driver Records – hire only qualified drivers with safe driving records.

Continue Reading Below

  • Choice of Vehicle – sales people may want sports cars, but five-star safety rated, domestic, mid-sized sedans have the lowest premiums.
  • Deductibles – can your business afford part of the risk and maintain a high deductible? If so, your premiums will be lower.
  • Safety and Anti-Theft Devices – alarms, GPS tracking, air bags, seat belts, and other such devices can significantly lower premiums.
  • Insure U for Small Business Tips on Lowering Premiums

Special Commercial Coverages and Considerations.


Auto Trim Design of Helena Welcomes You #poor #credit #auto #loans


#auto design
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Welcome to.

Auto Trim Design of Helena MT

Auto Trim Design in Helena MT really is your One Best Place for all your car and truck accessory needs. Aftermarket accessories for cars and truck is what we do, and we have the expert technicians and installers to meet your expectations when it comes to customizing your favorite ride.

Come in and let us show you just how we qualify to make that statement. The way we treat our customers makes the case that we really are the best place for window tinting, whether it’s tinting the windows in you favorite ride or applying window film to your home or office windows we have professional installers to make the process a smooth one.

Custom electronics is also one of our specialties. When it comes to custom mobile electronics we do it all, mobile video, custom car stereo, alarms and keyless entry systems, backup cameras, bluetooth systems, GPS navigation, remote start or auto start, seat heaters and even marine audio systems, yes we do it all!

Chrome accessories are another top seller for those that like to brighten things up. Nothing says ‘Look at me’ quite like that glitter of chrome. Yes chrome accessories have been popular for a long time and not only enhance the appearance of your vehicle but in many cases offer a good degree of protection from the elements and road debris as well.

Leather seats are a real luxury and can be added to most any vehicle, and you can have your leather seats with or without seat heaters which make those chilly winter days more comfortable.

Paint protection film is a must if you want to preserve that new car look and feel for that expensive factory paint job. Not only do we have certified professional installers to apply the product but our top brands carry extensive warranty coverage as well, so you get expert application and a guarantee it will last for many years to come

Grill guards for those times when you have that Deer in the headlights feeling. You know, you’re driving along after dark and all of a sudden, there she is, that cute little momma deer that just walked out right in front of your ride and you just do not have time to make an evasive move that will save the front end of your brand new pickup truck and there goes the grill, headlights, front fender.

Unless you’re protected by one of those good looking Grill Guards form one of our top suppliers. Not only do they look great but they can save the day when that little [or maybe BIG] fuzz ball walks out in front of you without any warning.

What about protection for the bed of your truck or it’s contents? That’s were a Tonneau cover form Access, BAK, Roll-N-Lock or one of the many others we can supply comes into play. Why not come in and see just what we can offer you to protect your truck bed and your valuables in back.

Toppers are another great way to add protection for the truck bed and it’s contents. We carry some of the best for A.R.E. as well as the many used toppers and caps we have in stock. Often times when our customers buy a new topper or truck cap we can offer something in trade for the old one and this makes for a win/win for both parties. Come in and take a look at the used toppers and caps we have in stock now and see if we have something that will work for you.

We have Running boards from the industry leaders like Owens Pro, DEEZEE, ICI, Onki just to name a few.

Yes we have all this much, much more! Floor liners, dash kits, woodgrain accessories and the list goes on.

Please watch our Welcome video above, it’s our personal welcome message from us at Auto Trim Design in Helena to you. We hope you enjoy your visit and that you will come in to see us soon.

At ATD in Helena, we carry only the best in top quality trim and accessory products from the industries leading manufacturers because we care about our customer’s satisfaction. When you come in we will do everything possible to add you to our long and growing list of happy, satisfied customers.

Come in or give us a call. When it comes to dressing up your car or truck Auto Trim Design of Helena really is the One Best Place . We have many years of training and experience that prove we really are the experts in the field.

Thanks for taking a look around in our online store. We hope to see you in person soon.


Auto and Homeowners Insurance: Is AARP Looking Out for You? CBS News #auto #invoice #prices


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Auto and Homeowners Insurance: Is AARP Looking Out for You?

Last Updated Oct 9, 2009 1:34 PM EDT

The way insurance companies barrage you with television ads promising to save you money, you might think they were paying you instead of the other way around. In the case of the GEICO googly eyes or actor Dennis Haysbert hawking Allstate policies, at least it’s private companies pitching their wares. But then there are the auto insurance ads touting the $388 saved, on average, by people who switched to plans offered through AARP by The Hartford Financial Services Group. The ads also say that AARP members who own homes might save an additional $148 by switching their homeowners coverage. In this case, the trusted nonprofit is lending its name to a commercial venture. Pay less, get the AARP imprimatur. What’s not to like? Read on to find out.

As part of our continuing analysis of AARP s financial services products (earlier stories covered AARP mutual funds and AARP life insurance and annuities ), we wondered how well the huge organization was treating its 40 million members with the homeowners and auto policies it sells. So we examined the coverage and compared AARP/The Hartford prices with those of Allstate, State Farm, GEICO, and Progressive in three zip codes to answer the question, Should you put AARP on your policy shopping list?

Our answer: If you are shopping on price alone, no. You can save money in some cases a lot of money by taking your business elsewhere. But the policies do offer a few appealing features that you might find are more than worth the extra cost. And The Hartford has an impressive customer service record.

AARP has marketed The Hartford s homeowners and auto policies for 25 years and deserves credit for choosing a quality partner. The Hartford was among the top five insurers in J.D. Power and Associates 2008 homeowners and auto insurance customer service surveys. They have a reputation for working with their customers and trying to solve problems without litigating claims, compared to some of their competitors, says Amy Bach, executive director of United Policyholders. a San Francisco-based organization that advocates for consumers on home and auto insurance. The number of complaints filed against The Hartford, as tracked by the National Association of Insurance Commissioners, is below the industry average and has been declining for the past several years.

Middling Marks for Prices

AARP s homeowners and auto policies are often not the least expensive, however, which echoes what we found with its life insurance offerings. There is a cost to having some of the features in the program, acknowledges Richard Hisey, president of AARP Financial, the for-profit arm of AARP. We believe that if you re comparing apples-to-apples features, we will be cost-competitive.

For our price-shopping survey, we asked AARP/The Hartford, Allstate, State Farm, GEICO, and Progressive for quotes for a 53-year-old AARP member driving a 2008 Nissan Rogue and living in a $250,000 wood-frame house. And since the cost of the same insurance can vary by zip code, we requested quotes in Charlotte, N.C.; Scottsdale, Ariz.; and Schaumburg, Ill. We told the insurers to apply any standard auto discounts available based on his driving record and profile. Since AARP s auto rates were for 12 months and the others were for six months, we divided AARP s figures in half.

For auto insurance, AARP/The Hartford was the priciest insurer in Scottsdale and Schaumburg and in the middle of the pack in Charlotte. Progressive was the least expensive in Scottsdale, costing a whopping 42 percent less than AARP/The Hartford. GEICO was the cheapest in both Charlotte and Schaumburg, charging 28 percent less and 15 percent less, respectively, than AARP/The Hartford.

Auto Insurance Six-Month Premium


Buy a new car? Are you crazy? #used #auto #loan #rates


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Buy a new car? Are you crazy?

People shopping for new cars should stop, right now, and think about it, Consumer Reports says, though it does not say so quite as bluntly.

“Buying a new car might be a lousy financial move,” warns the widely consulted publication, which posted its comprehensive annual auto report online Tuesday and mails its April auto issue print magazine to subscribers next week. The April issue hits newsstands March 5.

USA TODAY

You can justify replacing your old car to get the latest safety gear, Consumer Reports says, but not necessarily because of dents and dings.

You can justify replacing your old car to get the latest safety gear, Consumer Reports says, but not necessarily because of dents and dings. less

The overriding reason: You’re about to spend a lot more than you think and more than you probably need to.

Keeping what you already drive could “not only free you from a new cycle of monthly payments, but also save a bundle in insurance, taxes and other expenses — primarily depreciation.”

A car is worth about half its new value after three years, depending on the vehicle. Consumer Reports says the average value after three years is 54% of new.

CR provides a decision tree that — answered honestly — encourages many would-be new-car buyers to keep their old cars, buy newer used cars or fix a few gripes with aftermarket equipment.

Emotion, not just reason, drives car purchases, of course, so no coldly analytical approach will influence everyone. But thinking through the decision this way could suggest cheaper ways to address the true reasons why a shopper is in the market for a new car in the first place.

The decision tree starts by letting you choose among three major reasons why you might think you want a new car: to save money on gas and repairs, to get a safer vehicle or to get more features and amenities.

Under the “save money” category, you’re discouraged from buying a replacement vehicle unless you’re driving a major-league gas guzzler and/or your annual repair costs are more than a year of new-car payments would be.

And the gas-guzzler rationale is suspect even if fuel prices don’t stay as low as they have been. It takes a lot of fuel savings to equal even one month’s car payment. Longer at the nationwide average for regular of about $2.33 at midweek, according to travel organization AAA. A year ago it was about $3.43.

The easiest path to deciding to buy new is under the “concerned about safety” category. Old car doesn’t have electronic stability control? Bam, go right to “buy a new car.” Have stability control but really want the latest safety gadgets and electronics, too? Bang, right to “buy a new car.”

But keep in mind that a “new car” to you, in many cases, could mean a newer used car with the safety tech you want.

If you simply “want more features,” you might do as well upgrading your phone, instead, to get, say, navigation, rather than buying a whole new car with navi.

Or buy a stand-alone aftermarket navi and get a few other modern features in the bargain. A number of add-on navi systems in the $200 to $400 range also could add a desired Bluetooth connection and voice control, so you can use your phone in hands-free fashion.

In a Garmin navigation unit, for example, you’d say, “Voice command,” then, for instance, “Call my bookie.” The call is made by the phone, and the sound is routed through the navi speakers. No need to pick up your phone, or wear headphones. That could be very handy in states that prohibit all but hands-free use while driving.

You need to put up with the often-awkward dashboard mat or suction-cup mounting of aftermarket navi systems, but you’ll likely have spent less than a month’s payment.

Not part of the logical decision tree is another factor, however. Maybe you are just tired of you current car. Or have been disappointed. Or, as it turns out, you just plain hate it.

One of the most startling features in the CR auto report is a list of models car owners responding to its annual survey say they’ve found satisfying — or unsatisfying. Surprisingly, many of the favorites don’t correlate with the lists of cars with fewest problems or highest road test score.

Glaring example: Fiat brand winds up in the reliability dust bins of CR ‘s and other arm’s-length studies, but owners say they just love their Fiat 500s and definitely would buy them again.

CR ‘s comprehensive report card shows Fiat is the worst brand overall, combining road-test and reliability scores. And the latest J.D. Power long-term vehicle dependability survey, published Wednesday, likewise shows Fiat at the bottom. And owners love ’em.

An example in the other direction is the Acura RLX, the new-design flagship from a brand that’s typically above average in the third-party surveys — 11th of 28 brands in the CR standings, 12th of 31 in the Power dependability chart — was the least satisfying midsize luxury car, according to owners responding to the CR survey. ​

The ratings evoke the cliché, “Seemed like a good idea at the time.” It’s a warning that buying solely, or largely, on reliability scores might leave you in a few years with a car you don’t really like, but can’t justify dumping because the vehicle is so trouble-free.

“No joy,” as military pilots say when they don’t see the expected target.


Over 750 Cars, SUVs, Vans and Trucks In Stock Now at The Auto Connection – 5 Locations to Serve You ( (888) 558-1417) #olympia #auto #mall


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Reliable Cars – Priced to Fit Your Budget We are The Car Buyer’s Best Friend! , with four Virginia locations (Danville, Newport News, Norfolk, and Richmond) plus Wilson, North Carolina to serve you

THE AUTO CONNECTION DIFFERENCE:

5 Locations. Each with their own Service Department.

Over 750 Cars In Stock. With fresh deliveries every day.

Free Carfax reports. Provided on all of our vehicles, upon request.

Better Finance Options. More ways to finance and to save.

Rate Saver. Lower your interest rate by 1% for every $500 down. Ask for details.

12-month extended warranty. Currently offered at no extra charge on any vehicle financed in-house.

CLICK HERE TO APPLY TODAY AND DRIVE AWAY!

The Auto Connection maintains a great inventory of reliable late-model vehicles – import and domestic cars, trucks, SUVs, crossovers and minivans – priced to fit your budget. These aren’t just any vehicles. These are “Mack Mack” approved cars! We get new deliveries daily, so our inventory is constantly changing. Below is a representative sample of what you can expect to find at our four Virginia locations (Danville, Newport News, Norfolk, and Richmond) plus Wilson, North Carolina to serve you.


The best autos ranking site to help you find your perfect car #discount #auto #parts #store


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Autos.com editors have compiled the most extensive rating database on the internet, drawing upon $20 million of automotive research from CarsDirect and Autodata, and summarizing expert opinion from an extensive group of the leading third party sources. Here is a brief overview of how we do it:

Professional Reviews Ranking: Autos.com editors analyze car reviews from a range of magazines and websites, distill each down to a quantifiable ranking and then average those rankings to arrive at the Professional Review Rank.

Other Rankings: Autos.com also ranks vehicles based on criteria such as fuel efficiency, cargo capacity, and comfort and convenience features. You can see some of the data that we have used to rate each vehicle in any given category by expanding the category header on the vehicle detail page. For example, click on the arrow next to “Passenger Space” on the Honda Civic detail page to see the actual measurements for that vehicle’s interior. These measurements were stacked up against the interior measurements of all the other vehicles in the compact car segment in order to calculate the Honda Civic’s rating in the Passenger Space category. That rating is then used to determine the Honda Civic’s overall ranking in the compact car category.