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Information on mortgages, home equity loans, and consumer credit to help you use the power of financing to your advantage.
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• Apply for your vehicle loan with Capital One Auto Finance
• Common Mistakes Motorcycle Buyers Make When Looking For A Motorcycle Loan. Whether interest rates are high or low or it’s the end of a model year with lots of incentives, motorcycle buyers tend to make the same mistakes when shopping for a motorcycle loan. Here are four common mistakes motorcycle buyers make with motorcycle loans.
• Searching for the Perfect Car Loan. Credit Unions have long been known as the place to go when you are in the market for a new or used car. Today’s credit union pairs its long history of car financing with technological and bargaining tools that help consumers every step of the way.
• Get your Dream Car – Get a Car Loan. You've probably spent years thinking that your dream car is out of your reach. But have you though about a car loan? That car you've always wanted could be just within your grasp!
• Vehicle Repossession. When you finance or lease a car, truck or other vehicle, your creditor or lessor holds important rights on the vehicle until you’ve made the last loan payment or fully paid off your leasing obligation. These rights are established by the signed contract and by state law.
• Look Before You Lease. To lease or to buy? That's the choice you face when mulling over makes and models and deciding which car deal best meets your needs.
• Buying A New Car. A new car is second only to a home as the most expensive purchase many consumers make. According to the National Automobile Dealers Association, the average price of a new car sold in the United States as of June 1998 was $23,480. That’s why it’s important to know how to make a smart deal.
• Understanding Vehicle Financing. With prices averaging more than $20,000 for a new vehicle and $9,500 for a four-year-old vehicle, most consumers need financing or leasing to acquire a vehicle. In some cases, buyers use “direct lending:” they obtain a loan directly from a finance company, bank or credit union.
• Buying a Used Car. Before you start shopping for a car, you'll need to do some homework. Spending time now may save you serious money later.
• Car Ads: Reading Between the Lines.
Many new car dealers advertise unusually low interest rates and other special promotions. Ads promising high trade-in allowances and free or low-cost options may help you shop, but finding the best deal requires careful comparisons.
• Auto loan refinancing can lower cost, but not for everyone. As the Federal Reserve cut interest rates last year, thousands of Americans rushed to refinance their mortgages. Less known is that many also began refinancing other debt, including auto loans. It doesn't work for everyone, but if you can get a lower interest rate without lengthening the term of an auto loan, then refinancing can lower your monthly bill and cut your overall costs as well.
• City dwellers turn to car sharing to take trips, run errands without buying their own wheels. Kyle Minor doesn't usually need a car in his bustling neighborhood, where it's a cinch to find a bus, cab or train. But mass transit doesn't always cut it for those grocery runs and weekend road trips to Napa Valley.
• Is zero percent financing too good to be true? Zero percent financing is back at the nation's Ford and GM dealers. It has proved to be such an effective marketing technique that it's also being adopted by furniture and electronics retailers as well as some credit card companies.
• Buying a car for your business. A new car might be a status symbol or image statement in your personal life. But if you plan to use it for your business, you should remember that it's also a piece of equipment, and therefore deserves some thoughtful consideration before you plunk down money on a sales or leasing contract.
• What's the best way to finance the purchase of a new car? Q: I'm planning to buy a new car. Am I better off borrowing money for the deal from a credit union, bank or the manufacturer? A: Your objective is find the source offering the best interest rate.
• Credit: It's the way to go. The trick in getting the economy to cool down is to convince consumers to save rather than spend, even as they are offered fistfuls of cash without so much as asking.
• New cars that run on gas or alcohol make Brazilians smile at the pump. If it wasn't for the TotalFlex logo on the new Gol subcompacts leaving a sprawling Volkswagen plant, the shiny cars would be indistinguishable from millions already on the road across Latin America.
Auto Loan Calculators
• Auto rebate vs. low financing calculator. Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate.
• Simple payment calculator. Determine your car payment based upon purchase price and interest rate.
• Miles per gallon calculator. This calculator will compute your car's Miles Per Gallon and forecast your gasoline expense for one month and for one year. It also allows you to see how much money you would save if you were driving a car that got better gas mileage.
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Lendingtips.com 464 Oak Avenue Naples, FL 34108
Phone (239)877-7835 Fax (239)594-5686
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