5 Things You Should Know Before Applying For Auto Loan

5 Things You Should Know Before Applying For Auto Loan

Applying for an auto loan? We’ll sooner or later we will. So I wrote this short guide as basic must know guide to arm ourselves when the time for an auto loan comes.

1) Shop Online – Shopping for auto loan online is a great time saver. By comparing from different sites you can get the best deals. Applying also is easy and even some sites will give you information you need within minutes.

2) Know Thyself! - You must know the basic criteria for applying for an auto loan. Basic criteria includes that you must be above 18 years of age. Best if you earn at least $2000 a month. Also needed is residence and employment history.

3) Get Approved First – Don’t have make the mistake of looking for a car before being approved. Get approved first then they will give you a voucher of how much you are allowable to loan. Doing this will save you future frustration and disappointments.

4) Down Payments – This varies from lender to lender, and some don’t even require. But typically its about 10% of the price or $1000 whichever is the lower number.

5) Interest Rate – Interest rate is not fixed as most people think, and yes it can be negotiated. If you have a good credit score and good negotiating skills you can have a lower interest rate. But some factors are way out of you’re control such as the state of the economy.

There you have it. We’ll that’s not all, there’s lot of other things you need to know. But what I’ve enumerated are the vital essentials before applying for that auto loan. One thing also is ask advice from an authorized dealer or loan official. They’re there to help you. If there’s something you don’t understand, ask them now or you’ll might face lots of headaches later.

A Credit Repair Book – Get One Right Here

A Credit Repair Book – Get One Right Here

A good credit repair book will provide you with many tips and secrets about how to repair your credit and improve your credit score. Credit repair is not an intuitive subject. There is no need to pay for a credit report or pay someone to give you information because you are the only one that can repair your bad credit. A credit repair book is filled with many small things that you can start doing right now to get you well on the way to having a good credit score.

Armed with a good credit repair book, you will learn how to get your free annual credit report. Under the law you are entitled to receive one free report each year from each of the 3 major credit bureaus. A book will also tell you how to read this report to find out what your credit score is. It will give you practical tips to improve your credit score that you can start using right away.

You can order the credit repair book right from our site. Your search for credit repair tips is over because this book has everything you need. Find out the tips to improve your credit score by finding out what a debt consolidation loan can do for you. Creditors look favourably on this type of loan and when you use the money to pay off your bills, the monthly payment you have is usually lower than the others were when combined.

You won’t believe what a difference a good credit score will make when you apply for another loan. One thing that the credit repair book will tell you is that credit repair tips are not a quick fix for bad credit. This means that you won’t see a remarkable difference in your credit score overnight. However, with time you will see that the tips to improve credit score really do work.

If you get the credit repair book right now and get started using the credit repair tips it contains, when you request your free credit report next year, you will be pleasantly surprised. The tips to improve a credit score will show you ways of doing your own credit repair that you probably never even thought of. The credit repair book will give you painless tips to help you get better credit and better interest rates the next time you apply for a loan.