Guaranteed Car Finance – Quickest Car Loan Application On the web

9 May

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If you are searching for the easiest online auto loan application this report will clarify where to uncover the greatest rates for guaranteed auto finance. Whether or not you have good or genuinely bad credit you can effortlessly get a loan for your vehicle today.

Applying through an on the internet car loan application can be a very basic and handy method for receiving funds to purchase the car you want swiftly.

Numerous times by going by means of an on the internet lender you can conserve thousands of dollars because you are cutting out the middleman. In other words you are not relying on using the dealership for guaranteed car finance and this can drop your rate by a handful of percentage factors.

Receiving guaranteed car finance loans by way of a dealership is usually far more expensive than going directly to the lenders your self.

On the internet auto loan applications enable you to apply for several loans at once by means of one basic online application. As soon as you total the application for guaranteed vehicle finance alternatives, you will obtain many provides that you can evaluate to uncover the most reasonably priced loan for you.

Receiving a car loan with undesirable credit is fairly straightforward, and if you continually spend your loan on time, you can enhance your credit with these loans. Once you have built your credit score back up, you can easily fill in yet another automobile loan application to refinance your car with greater rates and reduce month-to-month payments.

What is the procedure for an online car loan application?

What you will need to have to do is locate an application on-line via a trustworthy safe online auto lending service that specializes in assured auto finance choices. After you arrive you just fill in the type with precise details and submit the details.

You will then be contacted within a extremely short period of time, usually inside minutes to hours you will receive the precise specifics of loans authorized for you.

Once you are pre-approved for an auto loan you can effortlessly method your dealership and bargain for a car, and even a much better auto loan rate.

86 Responses to “Guaranteed Car Finance – Quickest Car Loan Application On the web”

  1. Jeannine January 1, 2013 at 9:23 pm #

    We’d acquired financing through our bank to consolidate two vehicle obligations. They compensated off our Car loan and that we got our title. We think it is ok and couple of years after re-finance that tile fell behind on some obligations got all swept up now that finance company wants the vehicle back still. But our bank has another title using their lein. Whos title could it be really?

  2. Carlo February 21, 2013 at 11:35 am #

    We have no kids and no dependents. We are looking into getting a mortgage in 2 years.
    What do they look for when getting a mortgage?

    We have one credit card at $14,000, 2% – $250/mo.

    We have a car loan added with a consolidation loan to it for $30,000 – 6% – $620/mo – 5 years

    total debt : $44,000.

    any ideas on how to pay this down quicker?

  3. Princess March 5, 2013 at 6:59 am #

    I am trying to get a personal car loan from my bank. I can apply online but I believe I would have to give my SSN online wouldn’t I for a credit check? Would it be better to go in person? I believe I would have to give my SSN for them too right? I’ve never gotten a car loan before. How does it work? I go with Chase bank btw if it helps.
    Sorry if this is in the wrong spot, wasn’t too sure.

  4. Meta March 10, 2013 at 2:10 am #

    Like online… also what is the website for that loan community?

  5. Ted March 10, 2013 at 10:18 pm #

    Im someone thinking on getting a car loan from BoFa for about 5000. im kinda young with low credit score? dont know if that matters at all.. how do i calculate it. like how much would i need to pay to the bank on top the 5000 i borrow

  6. Felton March 10, 2013 at 10:19 pm #

    I have good credit, probably around 750, have a $14,000 car loan, no mortgage, and already have $35,000 in student loans. I’m looking to borrow the maximum $18,500 from the federal government, and another $15,000 from a private company. What interest rate should I accept?

  7. Garland March 11, 2013 at 9:15 am #

    Im “upside down” on my car loan. I owe $23,000 on a vehicle that I could only get $11,500 for a trade-in right now. If I pay more than my set monthly payment will this really benefit me in paying down this loan quicker or will the interest still add up enough that I wouldn’t be making much of a “dent” in my loan?

  8. Carmelita March 11, 2013 at 2:17 pm #

    I want to know how much money i should spend on a car payment ONLY. I make about 3200.00 a month. is a 388 payment too high. My rent is only 600.00 plus bills. WHat do you guys think? PLEASE HELP

  9. Rocio March 11, 2013 at 7:21 pm #

    I live in Minneapolis, and need a $200-$300 loan for as little as a week (Although, a month would be nicer) for a quick car repair before I get my next paycheck. The interest rate doesn’t matter much, b/c I’ll have it paid off in no time at all. Thanks.

  10. Augustine March 12, 2013 at 5:07 am #

    My wife would like to get a new car. She currently has a 2005 Ford Escape, owes about 6500 on her current car. She likes the new Ford Edge’s, if we get a new one would the dealer pay off the remainder of the old car loan?

  11. Connie March 13, 2013 at 1:18 am #

    I traded my car into the dealership for a truck. they paid off my loan, from that car. and now i have this loan out for this truck. which is okay with me becus we needed a truck and not a car and this was the only way to do it. but since the dealership paid off my car loan, woudlnt that show up under my credit that i paid off an auto loan? i hear that that is a good thing to have a paid off auto loan show up on your credit. but now im hearing from others that under my credit it will show up that i have two loans out and it would be more difficult to buy a house. which is true? am i okay with what i did? or is my credit now bad? help!

  12. Willard March 13, 2013 at 5:46 pm #

    I’m 18, I’ve had my credit car with a $900 limit for about 6 months now. I put about $250 on it a month on average, and pay it in full EVERY single month, and i’ve never been late. How long would you estimate it would take for me to establish good credit if I continue this pattern? Are there any tricks to raise it quicker? I’m looking into buying a house, and getting a car loan.

  13. Nestor March 13, 2013 at 10:48 pm #

    I have a quick question. I am in need of a student loan to pay for school and other necessities. I am also in need of a car loan? I am wondering what should i apply for first? A student loan or a car loan? If i get a car loan will that effect my process of getting a student loan? Or is it the other way around having a student loan when applying for a car loan? Any thought would help. Thank you for your time and ideas.

  14. Wayne March 14, 2013 at 5:55 am #

    I am on disability and I need a quick loan for a car repair, every time I try a site more and more windows open and I never get an answer, please help.

  15. Nick March 14, 2013 at 7:43 am #

    I currently have no credit cards nor do I know anything about them (High School Kid). How do you get a good credit score? What is a good credit score? How many credit cards should you have, how much of your credit on each card should you be using and what kind of loans and debt should you have (like a mortgage or car loan).

  16. Karly March 14, 2013 at 12:35 pm #

    My husband and i were surprised when we ran a quick check on our taxes to see that we were getting more back than expected. We anticipated around $2 back in taxes and we are getting closer to $6500 back. We don’t own a home and will be renting for some time. My husband is now back in school full time, so we will not be getting a return like this again next year. We also recently came into another $2500 in cash and another $1000 check we are waiting on. We are currently starting our own business, with little start up cost, so we are going to use the $1000 to put towards the business (website development, inventory, marketing costs).

    Currently we have
    $3500 on a credit card with a $5600 limit (12% interest)
    and $4500 on a Credit card with a $5000 limit (9.5% interest)
    We also have one small credit card with $700 on it (retail credit card)

    Is it better to pay off these 3 credit cards and be “Debt free” (except my student loans of 35k…that my parents are paying until they retire in 3 years and our car loan we owe $10k on)….so essentially “credit card debt free” or to put the $6500 in savings? This would bump our total liquid savings to some where around $19k

    We are hoping that when my husband finishes shcool we can save his salary (we live on mine alone) for a few months and then buy a home.
    Our 3-5 year plan includes not only a home but a baby. I don’t want to have a child until I have at least 30k liquid assets int he bank so if i wanted to take 6 additonal months out of work beyond my maternity leave, I could. Or I could go back to work part time. this is really improtant to me.

    my husband thinks we should pay off debt. Cut up credit cards. Then start socking away money for a vacation in europe for 2014 and savings (since we have no mortgage or kids we want to enjoy the next few years by traveling and being “alone”…who knows when we’ll be able to do that again!)…

    i think we should put the money aside. it will help us get to our 30k goal faster, and even surpass it hopefully in 5 years so that we also have an emergency fund and some money for a downpayment on a home. And then pay off one of the credit cards above and just keep paying on time, double payments on the 2nd one.


  17. Emmett March 14, 2013 at 6:28 pm #

    Is this a good idea? If not, what is a good idea to pay off my car loan quicker? I don’t want to refinance…

  18. Jeff March 22, 2013 at 5:36 am #

    i have a fairly new car loan which is currently at $15,936.50 with wachovia Bank. i bought the car on sep.2007. anyways, i did the math of my last payment that i sent, and i believe it went towards interest and not my principle of my car. please help me to understand how to beat the interest rate and pay off my car quicker?

  19. Sal March 24, 2013 at 1:16 pm #

    I’ve got a hybrid Honda for which I’m paying the bank more than I can afford on the car loan. The car has been involved in one accident but was totally repaired, but it also has a cigarette burn on the driver’s seat. Should I try to sell it as a private party, or take it to someplace like CarMax to sell it? I’ve got to find a car under $3000.00 and get rid of the car payment. THANKS!

  20. Dave March 27, 2013 at 4:28 pm #

    I wont to buy an old truck with plow. I need a loan of $3000.00 only but every on line car loan company says I have to buy a truck from them but there asking more than I wont to spend. I also don’t have the best credit in the world. I live 20 min from chicago. I just need a quick loan, I have no problem paying it back. Thank you for you time.

  21. Agatha March 28, 2013 at 4:59 am #

    I have a car loan from my bank and I am thinking, if I can refinance it, maybe I can get a lower interest rate. My bank would be losing in this situation wich makes me think it might be offensive to ask of this. Do you normaly refinance a loan with the same bank?

  22. Orlando April 3, 2013 at 10:37 am #

    I am 16 years old and desperately need a car. I have two jobs, but most of my money goes towards my tuition because I attend a private school. I can’t afford to pay for a reliable car right away. Is a quick loan, such as “check in to cash,” a reasonable option?

  23. Felipa April 6, 2013 at 2:08 am #

    You buy a house or car or any other financed object and it is qualified as to its value as collateral against the loan.
    Why are we handing out money on studies like ancient foreign languages and liberal arts with the same expectations of return as ones for engineering or science.
    Why shouldn’t student loans by qualified as to the ability of the major to return the funds when in the work force.
    This would put the lions share of money going to productive studies instead of useless degrees.

  24. Carmelo April 9, 2013 at 8:29 am #

    I had one call me and for $159 they guarantee my car sold. They are a finance company and they profile applicants into your car and try to get financing for them. If it doesn’t sell they offer a refund or if it sells before they do, it will also get refunded. Thank you!

  25. Ashanti April 9, 2013 at 6:34 pm #

    In a perfect world, this would not be happening… My son’s friend wants to buy the car, with a 30% down payment. We’ve sold non-financed vehicles before, but this is new to us. What extra paperwork is necessary to guarantee that the buyer holds up his end of the deal? Should my son hold the title until the vehicle has been completely paid for? If so, how would the buyer register the car, insure it, etc.? Any other tips? Thank you!

  26. Jamison April 13, 2013 at 4:24 am #

    The place I’m wanting to buy from is known for their “guaranteed credit approval”. But, how much of a work history is usually required? The owner told me he financed a girl that just graduated college and hadn’t even found a job yet.
    Does it really look good to the bank if you have a down payment?

  27. Cody April 13, 2013 at 9:24 am #

    I am trying to get a car to help rebuild my credit, but am not having any luck in doing so. The car dealerships guarantee financing, but want you to put down this extremely ridiculous down payment, and then when you can they turn you away or ask if you have a co-signer.

  28. Stewart April 13, 2013 at 7:27 pm #

    A scheme where the government would basically cosign with people who have a minimum net income requirement, even if they had bad credit. So that everyone who bought cars that ran on natural gas could get financing and a low interest rate. This would pay for itself since natural gas is a domestic commodity.

  29. Sherlyn April 17, 2013 at 4:12 pm #

    Given my recent hardship it has come down to me surrendering my car. Will the finance company come after the primary buyer or co-buyer for the deficiency balance?
    The finance company refuses to do anyhting to help and I have been told by several ppl that this particular company will not budge. I am the co-signer for my father but the car is mine. I want them to sue me and not him bc he has enough on his plate right now.

  30. Brigida April 22, 2013 at 5:08 am #

    Are you really guaranteed credit? How do they approve you if you credit sucks majorly or is this just a ploy to get you in there? I want to know because I am in major credit trouble that I am now working to get out of but also need a new car, want to know if it’s worth trying to get a loan or not.

  31. Maribel April 22, 2013 at 5:08 am #

    Mercedez, Jaguar, Range Rovers….would it be different from the regular car salesman? Do they always require experience?Thanks!

  32. Josette April 23, 2013 at 6:10 am #

    I will be getting my drivers permit soon and my parents have been thinking about getting another car so I will be able to drive when my dad is at work…. I was wondering what is a good car for a beginning driver? Preferably with good gas mileage that can be bought used?

  33. Fredrick April 25, 2013 at 7:18 pm #

    Myself and 3 others HAVe a business that is incorporated and we need a car for deliveries and things but we’re worried about who’d primarily be responsible for the car. Someone i know who also has a company says that the car dealer would put the car under the company’s VIN number so no one of us would be solely responsible or credit would be used. If this is true then what factors would the dealers take into consideration in order for us to get a car. We are a fairly new company (9months). Thanks for any help.

  34. Elouise April 26, 2013 at 5:16 am #

    Hey guys im going to be buying a car soon, and im trying to calculate how much money I can safely set aside for car expenses (payment, gas, insurance). Im just out of college so im trying not to get over my head

    After all monthly expenses including food, savings, and bills, im left over with around $1000 for car expenses and fun money. How much could I comfortably set aside for car expenses?

    Just want to check my numbers against what people with more experience come up with.

    Yep I have accounted for everything expect for extras, such as going out. But everything else is taken out of my account before I even see it.

  35. Berna April 26, 2013 at 5:33 am #

    i have only made about 4 or 5 payments on it. im 17. the payments arent hard to make, but instead of my money going into a car i want to instead save up for college or payments for an apartment or something of that matter…

  36. Danita April 26, 2013 at 7:05 am #

    I’m a 16 year yr old girl and I recently just started driving. I’ve been driving my moms car but I’m also looking for a car of my own. What are some good cars for beginning drivers that are also reasonable in price? please help, thanks!!

  37. Nestor April 26, 2013 at 3:08 pm #

    like totally owning him and getting the car at a great deal. or walk if it sucks. just totally in control and arrogant at the whole buying process. leaving him crying. that would be fun.

  38. Romeo April 27, 2013 at 1:11 am #

    I’m 21 years old and recently totaled my car. My dad had originally bought my car for me, but now I’m on my own. Being a young college student I do not have any credit nor do I make much money a week. I have no older adults to guide me so I need to know what to do and what to look for when attempting to get a car loan. I just don’t want anything to come back and bite me in the ass because I didn’t know what I was doing. Legitimate advice would be greatly appreciated.

  39. Jae April 27, 2013 at 5:18 am #

    When purchasing a car is it gauranteed that the dealer will find someone to finance the vehicle as long as you have an down payment?

  40. Alethia April 28, 2013 at 7:44 am #

    I am looking to finance a car, but one of the requirements is steady income. So what would be an estimate time of employment?

  41. Waneta April 30, 2013 at 4:52 am #

    I have been looking to buy a secondhand car and came across who are a car auction in the uk, but has nayone ever bought from an Auction? What was it like? was the car any good? and can you but from them if you are not in the trade?

  42. Diego April 30, 2013 at 9:53 am #

    i get paid cash every week for lawnmowing and i was wanting to get a car financed. how would i go bout showing how i get paid?

  43. Alphonso May 1, 2013 at 2:50 pm #

    A former friend took out a car loan and wasn’t making payments. Without my knowledge, he listed my name as a credit reference with my phone number. I haven’t seen this guy in over a year and they are calling me everyday asking about the car or money. I don’t have any knowledge of his whereabouts. Isn’t there anything I can do to make it so they can stop calling me besides telling them to stop(which I already have) They never called me to confirm whether he is a credit risk or not, but we already weren’t friends, so I would have said I can’t vouch for him. Any help would be appreciated

  44. Winona May 2, 2013 at 6:18 am #

    looking for a reliable car to get back and forth to work and will be reasonable with the down payment.

  45. Lacy May 2, 2013 at 2:33 pm #

    Should i know what kind of interest i should get, what’s financing, and do i have to sign any agreements that are preposterous?

  46. Waneta May 2, 2013 at 7:17 pm #

    I bought a car from a dealer, so when can I collect it? I bought insurance on Friday and sent him a cover note. What does he need to do now and when can I expect all the paperwork to be done?

  47. Chet May 3, 2013 at 3:02 pm #

    How about a used car?

  48. Felton May 11, 2013 at 2:32 pm #

    I’m kinda new living in the US, i got a 2007 car purchased financed through my credit union.
    Now i need to sell the car but i need to know what’s the procedure for selling the car and transferring ownership to the new owner ? and would a cashier’s check be the best way to get guaranteed payment from the buyer ? of course i understand that i need to payoff my loan to my credit union first

  49. Faustina May 14, 2013 at 1:42 am #

    I will be helping my son purchase his first car and we are trying to see how we can go about it and save money. A reliable transportation and safe used car is what we are looking for. We were told to log in to the auction websites. Is this a good idea?

  50. Edmond May 14, 2013 at 12:27 pm #

    I’m selling my old car privately and then I was going to finance another one. The issue is I’m still currently driving the old car because it’s my primary transportation. I was going to use the money from selling the old car as the down payment on the new one, but I haven’t found another car yet. Even if I do find one it’s not guaranteed that it’ll still be there by the time I sell the old one, and I can’t just take there money and go buy the new car then bring them the old one when I’m done. No ones gonna agree to that. I dont know what to do….please help!!!

  51. Antione May 16, 2013 at 8:16 pm #

    I am asking because my credit is weak but my income is very good. I would really like to finance the car that I want with the dealership looking at my income instead of credit.

  52. Thad May 18, 2013 at 4:50 am #

    My credit is not so good.I have 3,000 to put down towards a car.I have been to places that guarantee credit approval but they always give me a choice of a few cars that I don’t like.I want a dodge avenger but I’m not sure where to go with my credit.

  53. Isreal May 28, 2013 at 9:29 pm #

    I’m gonna get a new car, but my mother will technically be the owner, having her name on the title. She lives in Indiana and I live in Wisconsin. Can I register the car in Wisconsin?? I asked the DMV and they said yes, but I didn’t get very good info out of him… Are there any papers? Any problems I might run into??

  54. Terresa May 30, 2013 at 8:51 am #

    In other words, If i have a lot of negative items, and a score of about 560, should I just go ahead and file, or try and battle through everything? I have a mortgage that I am behind on and 2 car payments that I am current on. Other than that, I have a few collection accounts that are lingering that I can’t pay. Those are holding on for a couple years now. I don’t necessarily want to take the “easy” way out, but is there a “point of no return?”

  55. Slyvia June 7, 2013 at 5:55 am #

    I am buying a car tomorrow from someone, what documents do i make sure i collect from the seller. I don’t drive yet it’s a surprise for someone so the seller is gonna drive it home for me.

  56. Micheal June 8, 2013 at 8:46 pm #

    I need car finance of 2000 in the uk, but i have bad credit and cant get any,is there anyway of passing a cre3dit check by doing anything to my name etc?

  57. Timika June 13, 2013 at 3:59 am #

    Me and my wife and daughter are moving to Pennslyvania in march and I will work for my father in law running a warehouse for his shop for a while, but what i want to do is start up a pilot car / interstate escort service ( you know the cars that lead the “oversized’ and “wide load” trucks down the interstates). Anyway I will nead a loan or grant to purchase a good truck and the lights, signs, and other equpiment for the company. What is the best way to get a loan or grant to help cover my expenses till I get up and running good with my company?

  58. Donette June 15, 2013 at 6:38 am #

    My budget is £8000 and I want to buy a brand new car. I would like to know whether I can re-sell the car to the car dealer after 3 years and how much would this or another dealer buy it for approximately after 3 yrs service? Apart from insurance + car, what else should I pay for? Thanks.

  59. Tom June 23, 2013 at 6:29 am #

    I work at a Lexus dealership and would like to purchase a new car. I get an employee discount along with financing “at cost,” whatever that means… I don’t have a long enough credit history to get financing through most of the dealerships I’ve looked at, so I am wondering if I would be guaranteed financing through the dealership I work at since I am employed there?

  60. Kurtis June 26, 2013 at 8:51 pm #

    I live in California and my car is completely paid off. I have sold the car and here are the terms. The total price sold was $10,000. The buyer gave me $5000 upfront and I will be financing the the remaining $5000 with no interest. IN other words, they will make monthly payments to me. Here is my concern:

    Does the new owner carry his own insurance on the car bought?
    Do I transfer registration and title to the new owner? If so, whats the process?

    The above questions are what I am confused on.

  61. Morgan June 29, 2013 at 6:38 pm #

    I see lots of vehicles on Craigslist for great prices, most look just fine, yet have some title issue. My question is, Were I to buy one, what effect and/or complication would there be insuring/titling it? And why would a car that seems just fine have a salvage title? I mean you can spot hail damage, fire damage, flood damage, wrecks etc if you know where to look, what damage can cause a salvage title? These cars look perfectly normal.

  62. Vernon July 3, 2013 at 9:43 pm #

    I wanted to know is it possible to put a down payment of $15K on a $24K car and if I do how much more will I have to pay a month to finish paying off the car ? And can I get any sort of deals with this like can I talk down the price even more if I’m putting this much money down ? Any tips I can get for buying cars ? I do want a new car too and I live in Florida if that helps in any ways ?

  63. Lavone July 4, 2013 at 8:39 am #

    My Wife and daughter were hit yesterday and our car was crushed. If he has Insurance do they payoff the loan of the car and then give you a check to buy another car . It was a 2004 SUV? Do they give you book value? How does that work?

  64. Marietta July 5, 2013 at 2:59 am #

    I am 20 years old, I have No established credit on anything. I’ve never owned a vehicle. I am looking to buy a brand new $25,000 Subaru brz. I just recently got a full-time job that is paying me $14 an hour, and 40 hours a week guarantee, I will get raises also. How long will I be paying the car off and what are all the rates. I am living In VIrginia. I just want a accurate rate or close to it that’ll give me an idea.

  65. Edwin July 8, 2013 at 6:20 pm #

    My boyfriend’s best friend owns the dealership (inherited it @ age 22). I’m wanting a new small car @ 12k (Hyundai), and I said I would put 1k down. It’s one of those “guaranteed approval” places.

    Here’s the problem, my credit isn’t that great-but I just started a great job. So I don’t have good credit or have much of a stable employment history. I’m also a full time student.

    Do dealerships/banks really finance ppl like me? I don’t want to get overly excited and take my paycheck to the dealership, just to get let down.

  66. Foster July 10, 2013 at 10:01 pm #

    I bought a used car (2005 Jeep Liberty) excellent condition. I really like it but realistically I can’t afford the monthly payments. Is it possible to trade it in at a dealership and get something cheaper or will the fact that I still owe $15,000 on it make it impossible to come out with a cheaper monthly payment? I mean will the car dealership pay off the loan I have and give me a smaller loan toward another car or will they just tack the 2 loans together? Any help is appreciated!

  67. Noemi July 13, 2013 at 10:40 am #

    I am planning to buy a car in Bangalore.Does a car dealer gives us discount on the price what they tell or or the price is fixed.

  68. Marya July 21, 2013 at 4:12 am #

    I had a very bad injury and now no income, I can not afford to pay for car or any other bills, bankruptcy is only option. How hard is it to rebuild your credit?

  69. Leif July 23, 2013 at 12:39 am #

    So our economy is bad and big car companies are failing, but I don’t completely get why we bail them out rather than let them go bankrupt? There would be unemployment as a result, but those workers would have to get into a field that was more in demand plus if the company isn’t selling they mustn’t be that great to begin with so why waste money bailing out a crappy company?

  70. Yolando July 27, 2013 at 4:23 pm #

    I recently got a brand new car financed in my name with the help of a cosigner. I have already missed a payment in the beginning due to losing my job… I am In a bind right now and wont be able to make my payment in June. So that will be two payments I have missed, how soon will they come repo the car?
    my cosigner know about this and doesn’t have that great of credit its my mothers boyfriend. & okay thanks for response

  71. Michal August 1, 2013 at 10:57 am #

    I’ve been at a job for about a year and make about 1400 monthly. I’ve had 2 credit cards for the past year and a half and have been making payments on time. I only pay 150 a months for rent. I am looking to buy an 8,000 – 10,000 car. I have 5,000 for down payment cash already. I’ve seen many dealers that guarantee approval despite bad or no credit.

  72. Emery August 6, 2013 at 5:12 am #

    I own a six-month old single-owner LLC, which I operate out of my house. I want to purchase a car to use for my business. My company is a telecom-consulting business, so the primary use for the car would be to drive to client appointments and to take packages to the local shipping store. I typically don’t do much personal driving during the week after business hours.

    I am not sure if I should pay cash for the car, or if I need to finance the car. Which is a better write-off?

    My wife has her car, and we use it primarily for family functions. So, how much could I use the company car for my own personal use without the risk of doing something illegal (tax-wise)? My wife would probably never use the car, even though she is technically an employee.

  73. Erika August 6, 2013 at 10:23 am #

    I am looking to get a new car and I don’t have any credit at all which I know is the same as having bad credit, but I read on some other people’s questions on here that it is actually not that difficult getting financed right now. So how exactly does that work? I can afford the payments each month, but I don’t have anything as a down payment so is that what I would use the loan for? Please explain
    thanks, but ok how does leasing a car work? lol

  74. Carmel August 18, 2013 at 1:52 pm #

    Its now guaranteeing mortgages, business loans, student loans, and in some cases car loans (GM financing arm) at extremely low rates.

    Mortgages are currently financed at 4% percent with only 2% downpayments through fannie mae and freddie mac.

    When will the people of the United States realize, this is exactly what caused the massive housing bubble and collapse?
    Not only repeating them, but robbing the americans that produce to enrich the government, as well as, making EVEN WORSE loans at LOWER teaser rates.

  75. Buddy August 22, 2013 at 4:34 pm #

    OK so i’m 17years old. I will save up about $2000-$3000 dollars by working at Subway. Also I will be making $300 dollars a month working in my schools cafeteria, which can serve as a monthly payment. The problem is my parents don’t have credit and i’m only 17! Do you think that a car dealer will finance me? I wan to buy a Dodge Charger. And don’t say i’m greedy or picky because i’ve worked hard all throughout highschool.

  76. Jodie August 25, 2013 at 2:10 pm #

    You get such great deals today, how can they sell more cars by:

    Giving you up to 84 months to pay on an over priced vehicle that will be worth nothing in 48-60 months at an interest rate that guarantees you will be upside down no matter when you sell.

    Giving you nothing for the vehicle they sold you because they can’t make a margin on the sale unless you finance your loss.

    Offering meaningless rebates off of their already overpriced inventory.

    It would appear we are throwing money down a hole.

  77. Sierra August 26, 2013 at 1:51 am #

    I have a low credit rating and I have no car. For obvious reasons this can put a damper in life in general. What is the easiest and legal way to get a car with bad credit?

  78. Toney August 29, 2013 at 10:11 pm #

    I need to establish a credit history. I need to get a used car financed but I have no credit. The car I own is done for. I bought it used really cheap a long time ago.

    I’ve been scared of getting a credit card. But I only need one to establish a good credit score and then I’m done with it. I won’t touch them again. I’ll probably use it for small things, emergencies, then I close/cancel it after about a year.

    What banks offer credit cards with low APR, that are great for someone like me?
    I would also like to add that I am 22 yrs old and I am not having my parents co-sign lol… I’m an adult. I really don’t need them doing that.

  79. Shanda September 1, 2013 at 5:02 am #

    I just financed a car and the dealership is telling me that more than likely the bank that is financing the deal will ask to see cancelled checks. I get paid with a handwritten check with taxes deducted and all that because I work for a small office. I’ve signed the agreement and everything but I’m worried about being able to obtain the cancelled checks. Is this a make or break type of request? What if I can’t obtain that? Will the bank not finance the deal?
    I dont have a bank account and usually just cash them where my employer has his account.

  80. Glenn September 1, 2013 at 3:08 pm #

    For instance, Texas Direct Auto has many listings, but I’m not sure about how trustworthy they are. I’ve been hearing a lot about sellers who pay a fee to remove bad reviews, so I’m looking for people who have had pleasant experiences and/or tips on buying a used car that is located very far from where I live.

  81. Micheal September 1, 2013 at 9:35 pm #

    Okay so im looking to buy a car, my first one! My dad says its important to have a car under 200 000 Km which is about 125 000mi.
    When i asked why he said cause? What would happen if i bought a car that was 350000 km = 222 000 mi?

    Im wondering becuase having one with more mileage would save me about 2 grand.

  82. Adrian September 2, 2013 at 5:32 pm #

    Most car financing is requiring peolpe to make 1500/month. I make $60 less/month.

  83. Cleo September 2, 2013 at 10:25 pm #

    Being a graduate school student, how would you compare a bank car loan versus a graduate plus loan taken out to pay for the car? What other options are available for a car worth around $8000 with minimum savings so the down payment is very low.


  84. Heriberto September 15, 2013 at 9:27 am #

    I’m trying get a car but I have no job. However I do get 15000 in school money. Would that be considered “income”? And I will be getting a job ASAP but I need a car to get a job.

  85. Toney September 18, 2013 at 10:08 am #

    My boyfriend’s best friend owns the dealership (inherited it @ age 22). I’m wanting a new small car @ 12k (Hyundai), and I said I would put 1k down. It’s one of those “guaranteed approval” places.

    Here’s the problem, my credit isn’t that great-but I just started a great job. So I don’t have good credit or have much of a stable employment history. I’m also a full time student.

    Do dealerships/banks really finance ppl like me? I don’t want to get overly excited and take my paycheck to the dealership, just to get let down.

  86. Loreta September 18, 2013 at 11:18 am #

    I am looking to get an auto loan for around $9000 with $1000-$1500 as a down payment.My husband has a credit score of around 500 and I have one around 650. He is the one who makes the income as a teacher with a take home check each month of approx. $3000. I am just starting to work as a sub-teacher this week which pays $126 a full day but there is no guaranteed hours. I also get $312 a month for child support. Would we be able to get a car loan from a traditional car dealership or would we need to go to a buy here pay here lot?

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