USED & NEW CARS FINANCING & AUTO LOAN INFORMATION 2007 - 2008

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CAR FINANCING & AUTO LOAN HINTS

!!! Don't "bury" yourself by overbuying. Remember: It's only a car. It won't make you smarter, better looking or richer. In fact, if you overbuy, a hefty car payment will rapidly begin to affect your life in a negative way. Because cars are a depreciating "asset," being conservative is almost always to your advantage.

Compare and then compare again!!! Get a quote from your personal bank, another local bank, a credit union if you have one and Internet sources such as Car.com, E-Loan and Capital One. The more comparisons you have at your disposal, the better the chances that you will save money!

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Keep your eye on the dealer. If and when you get a quote from the dealer, be aware that the payment will likely be "packed" with an interest rate that gives them a profit on the financing and usually will be quoted including credit insurances such as life and disability insurances. Be wary!

A Guide to the Best Deal When Financing a Car

One of the most important components of the car deal you get is the financing that goes with it. Many otherwise wise consumers have negotiated an excellent deal when buying a car, only to give back a good deal of the money they saved when it comes time to finance the car. Perhaps it was because they let their guard down, or perhaps it was due to a lack of information, but it can be disheartening to find out that you made a great deal on the car and a lousy deal on the car financing.

With the competitive sales market making it more and more difficult for dealers to make a large profit on the vehicle sale, they have come very adept at squeezing every dime out of the finance profit. They hire consultants and send their finance managers to specialized training sessions, all with the intent of maximizing the gross profit potential in the finance office. Be aware that when the car sale is done, the "selling" is definitely not over!

Just like preparing yourself for the purchase of the vehicle is extremely important in determining the kind of deal you get, preparing for the financing of the car is equally important. It is highly recommended that you do your homework before you do your actual car shopping. Check your credit in advance so that you can eliminate any errors or discrepancies as quickly as possible. Compare rates and the various plans that are available so that you will be ready to move should you find an exceptional deal on the car.

Local Banks: The advantage here is that you may have a personal relationship with the banker. You finance locally and you make your payments locally. Whether this converts to a better financing rate needs to be investigated.
The Internet: The Internet makes it easy to compare and apply for car loans. A couple of sources that have interest rates below the national average are E-Loan and Capital One. Both have easy online applications and quick approvals. Your financing is approved and in hand before you even visit the dealership, which will strengthen your bargaining position.
Credit Unions: There may be a savings here in the rate, but many consumers would rather leave their line of credit there open in case of a special need or emergency, rather than tying it up by financing a car. Home Equity Loans: Since the interest is tax deductible for most homeowners on Home Equity Loans, they have become a popular way of financing vehicles. With a single online application, you can get competitive loan quotes from up to 4 different lenders at LendingTree. Their motto is "when banks compete, you win." More information.
The Dealer: The one advantage here is convenience. You buy the car there and you finance the car there. Be aware, though, that the finance department is a source of revenue to the car dealership. The difference between the rate at which you finance the car and the rate the dealership is able to secure the financing for is their profit, which can be substantial. This is why it is so important to compare your available financing options before you visit dealerships.

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The number of months that you can finance a car for will largely be determined by its age. New cars can be financed, in general, up to 72 months (although 60 months is the most common term). The terms on used car financing will be shorter if the vehicle is older. For example, you may be able to finance a 1997 model for 48 or 54 months (depending on the bank's policies) but you may only be able to finance a 1995 model for 36 months. You need to make a comparison here, since it is conceivable that the monthly payment (because of the shorter term) could be more on an older car than it is on a newer one.

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