BellaMaeTheDoxie asked:



The rate can you help.

For new car or used one depending on the rate can you help.

For new or used one depending on the rate can you help.


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Johnty Flemming asked:


Driving a car home has always been a dream for all of us. If you want to buy a used car and need financing for that then used car loan will prove to the best among different types of loans available nowadays. Used car dealer are exclusively providing used car loans with various flexible packages and it’s becoming more and more popular among car buyers.

Normally you will find this loan in two forms – secured and unsecured. Going for secured used car loan will force you to pledge some security as collateral against the financing. This security can be any of valuable assets like your home, real estate or jewelleries etc. On the other hand unsecured one does not require any collateral to be pledged. So people who are not having any property to place as security like tenants, non-homeowners, PG’s can avail such loan and drive home a car. If the car buyer is having any credit problems then also no problem, options are there for him. He will get an opportunity to negotiate with the lender in spite of his credit score.

Any car model can be purchased with used car loan. But model should always be at least 5 years old. Some car financing companies are ready to finance 90%-100% of the money required to buy the car. But borrower’s present financial standing plays a major role in deciding this figure. Lenders do check borrower’s credit status and his ability to repay the amount. So if you are having a good credit record chances are there you will get a used car loan at reduced figures. A repayment period of 2 – 5 years will be provided to you to pay off the money back.

One of the best ways to secure used car loan is to go for dedicated financial companies rather than traditional finance companies as they are having more liberal lending policies. And to search for a few, nothing is better than online. Go online and search for the best used car dealer ready to offer you a loan which suits you the most. So don’t be late to drive a car!

Summary

Anyone with a sound repayment potential can attain used car loan if he is lacking in cash to purchase a used car. A substantial amount can be obtained in either of the two modes secured as well as unsecured. One should also go for an extensive search so that the car is in nice condition and must have a decent resale value.



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joyceeleann asked:


Any tips in writting a winning ad to sell a used car. I have a great used car but it won't sell on craigslist or even in autotrader.
Are there any other well know used car online website to sell on?

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fa$hion_guru asked:


just got my license im planning on buying a used car but havent saved up yet..but i need a car for school and work, commuting is very expensive. daddy will be the owner of the car ill buy and ill pay it off with my own money.

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bubblehead_hw asked:


Need some help...i have beenlooking at used cars because i am looking into buying a second car that wont be used more than normal and i dont know if at what point of miles should i stop considering to buy a car?

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Martin Andrews asked:


If you have to choose between a new car and a used, you will definitely opt for the new car. After all, who is interested in a used car? It is here that most of prospective buyers make mistake of not looking up to a used car. More often, used cars can be found in perfect conditions offering good mileage which is an important factor. Besides, you might grab a limited edition car which is no longer available with the dealers. The good news is that you can also avail finances in the form of used car loans to purchase used

To be precise, used car loans are categorized in to two formats. Depending on the financial requirement, borrower can choose secured and unsecured used car loans. To avail secured used car loan, borrower has to pledge security against the loan amount. The collateral attached can be you home, real estate. Even the car intended to buy can be places as security. On the other hand, unsecured option of the loan is available without any collateral. This option is best for tenants and non homeowners. Besides many homeowners who do not want to risk their property by placing them as collateral can avail used car loans through the unsecured way.

The basic advantage of this loan is that any type of car can be financed with Used Car loans. But the car should not be more than 5 years old. For cars which are more than 5 years old, it becomes difficult to arrange the finances. Through used car loans, a borrower can avail the equal amount of the car. Usually before sanctioning the loan, lenders check the borrower’s monthly income, credit score and repayment ability. The loan is available for a period of 2-7 years.

Used cart loans are easily available nowadays. Borrower can easily access the loan from various traditional lenders like banks, financial institutions etc. borrower can also opt for online application which is considered to be fast. Comparing the quotes can get you the deal at lower rates.

Through used car loans, borrower gets the option to buy used car which is not only financially viable but also provides the borrower to look in to some other cars which are indeed in pristine condition.



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Rose Quadee asked:


You’re not into the brand new Honda’s. A shiny new Toyota isn’t really your deal, either. What you really want is that beautiful two year old Infinity you saw for sale yesterday. You drive by the used car dealership every day and yesterday, there it was. It’s still $15,000. Which is more than you’ve got, so you still need a loan. You rationalize that it’s a great investment, because it’s a good quality car that will last you a long time and your overall cost will be lower. You’re probably right, but a lender may not see it that way.

Right now, most lenders want to deal primarily with new cars and new car sales. That two year old Infinity has already been sold once and dealerships all over are suffering with inventory they can’t move. Needless to say, this could be a tough sell.

This isn’t to say that used car loans aren’t out there, they are and if you go through a dealership, they might be able to increase your chances of getting financed for your new used car. Your financial institution is a good place to start for a used car loan, however, as they can give you a lower interest rate if you arrange to have your payment automatically withdrawn from your account each month.

? Start your search for a used car loan in the same way you would a new car loan. Talk to your lender, shop online and at the dealership. Get pre-approved for any loan, as it increases your buying power.

? When shopping for a vehicle, consider purchasing a certified pre-owned car. Lenders like to know that their collateral is going to maintain value for at least the life of the loan.

? Don’t settle for a higher interest rate just because you’re shopping for a used car loan. If you have good credit, this shouldn’t be an issue. Most financial institutions typically offer higher rates on used car loans as standard procedure, but the rates aren’t that much higher. So, if you suspect that the lender you’re looking into is trying to charge more interest than is typical, make it a point to shop around a little more.

? As with any major purchase these days, have a decent down payment. You should be willing to part with at least $1000 for a down payment. Remember that the more you put down, the shorter the term of your loan and the lower your payments.

Also remember that before you accept any used car loan, you want to see if the final amount of the loan will exceed what your new Infinity will be worth. Make sure to review the interest and term of the loan and don’t agree to any used car loan where the payments are too high for you to comfortably afford.

With a little shopping and research, you can get a used car loan that not only has you driving that used Infinity you’ve been dreaming of, but doesn’t drive you broke in the process.



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Apurva Shree asked:


Most car financing companies are also offering used car finance these days, for those people who cannot afford to buy a swanky new car! For instance, fresh graduates too need a car to commute to and from their first job premise. Although public transport is there, it can be really cumbersome standing in queues at the bus-stop. And it doesn’t give you much flexibility in changing your schedule around if required. In such cases, online car loans are available for purchasing used cars.

Why Would You Need To Buy A Used Car?

You can be fresh out of college, with no savings in your name. Most companies providing car loans UK require that you make a down payment of at least 20% of the car’s total value. This would be extremely difficult to manage for an expensive new car, if you are on your first ever job! That’s when used car finance comes in handy!

Secondly, it might be possible that you have a very low credit rating, due to bad payment habits in the past. This might make it impossible for you to get a large amount of loan, which would be required to buy a brand new car. In such cases, you can get used car financing, as a poor credit car loan, at very competitive rates, although they will be definitely higher than the ones offered to people with good credit rating.

Some Points To Note About Used Car Financing

A very important point about getting used car finance is that a used car loan is generally available at a slightly higher rate of interest than a new car loan. There are several credit unions and local banks willing to provide the necessary funds. But sometimes, you can manage to find better rates from private lenders and other smaller lending institutions. The internet would be a good way to search for cheap online car loans for used car finance.

Second, most car loan companies require the car to be not more than 5 years old as it decreases the resale ability of the car. Besides, paying the 20% as down payment gets you an approval faster, along with lower rates. You can even opt to take a secured loan against some house property or your car title, which would reduce the rates even further, but might delay the approval process slightly, as paperwork would be needed. If selected wisely, used car finance can even get you a better deal on the car, as you will be able to pay upfront with the blank check in your hand.



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jonathan_mann91 asked:


I am buying a used car and I am wondering what are the legal rights you have when purchasing the car. Can I return it if I find something wrong? If yes, how long do I have?

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techen asked:


After buying a used car, could I drive it right away without auto insurance? Do I have to have auto insurance in CA? Thank you!

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