Zero-Percent Car Finance

25 Mar

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Numerous of us have heard about this “zero percent auto loans” or “% vehicle finance” deals all over the places what is it about them that attracts the clients? It is just that they are dangling carrots in front of the men and women? There are some truly great on-line financing sites that do in fact give zero percent automobile financing deals. When you read zero percent auto financing it rather a lot indicates they are giving you cash for no cost. To learn their secrets one has to understand their techniques. This method is absolutely nothing but a way to attract consumers for acquiring cars.

Now, that I have created myself clear on what you can do to get the % new automobile financing I am pretty pleased to let you know that you crossed a sea of ignorance and came into the world of knowledge. I contact this process of your journey from Ignorance to Knowledge, expertise based buying! A vehicle can give you an edge to attain your dreams by putting you on wheels. It ignites your career and puts you the nest level. I feel like a handicap without a automobile I need it badly. I don’t know how do you feel?

To learn their tactics comply with the guidelines given below:

1. Spend close focus to all the sites that offer you zero percent auto finance: There are a lot of websites that act like Vultures and can swallow you financially and try to cheat you. They will give you with a lot of fake policies and misuse your financial details. But yet again there are websites that offer excellent service and are ready to support you in the economic crisis.

2. Credit Score: Credit score is crucial in getting these loans. But, there are some lenders that would help for good credit scorer in acquiring a automobile loan with zero percent finance. These websites do want you to have the highest amount of achievable down payment. The highest attainable down payment will assist you reduce the down payment and at some point decrease the monthly payments. If you never have a great credit scores.

3. Negotiate: Negotiating with any on the web financier would be extremely important due to the fact it would give you with acquiring best vehicle financing offers on-line. Application method is very straightforward all you have to do is give facts and fill up applications with right details.

Search Engine Literacy:

There is a theory to anything in life on the web. You have a query start your search with Google.com, Yahoo.com or an Ask.com a well-liked search engines more than the web. Search engines have actually hijacked the internet wide planet. Folks have started living on internet with a virtual image.

Analysis On the internet:

Undertaking your analysis prior signing any auto loan deal is truly important. Your further work on researching the zero percent vehicle loans obtainable on-line will support you negotiate with the auto loan financiers. If you have knowledge on the auto financing then you will be confident in negotiating with vehicle financiers and it will be simple for you to push them to charge you low interest rate. There are numerous sites on world wide web who in fact fight like something just for the customers to click their mouse after on their link. Details are that % automobile finance can be accurate for the individuals with superb credit score. But for many automobile buyers with poor credit, zero-% financing is basically not feasible.

112 Responses to “Zero-Percent Car Finance”

  1. Ivan January 15, 2013 at 2:19 pm #

    I see on ads constantly advertising Honda’s and Toyota’s for zero lower, 0 % financing and low monthley obligations. Different for Ford’s and, I possibly could be wrong here, however for Chevy’s too. They need over 3k lower, for any payment that’s over 250 dollars per month.

    And That I cited American Made since i heard that just 42% from the parts in American cars come in the united states.

  2. Bess January 15, 2013 at 2:40 pm #

    I don’t know if it is my imagination or otherwise but if you consider the driver of the chrysler 300 they’re 99% of times black folk. Could they be supplying 0 % financing to black people only? If this sounds like the situation I don’t think its fair because when a anglo I must purchase one of these simple awesome automobiles.

  3. Kurt January 15, 2013 at 9:12 pm #

    I’ve been searching for the solution all day long. I wish to understand what the greatest APR you may be billed when financing an automobile is incorporated in the condition of Arizona. I believed it was 26.??% or 29.??%. Among the finest to obtain my details straight before vehicle-shopping. Thanks!

  4. Porfirio March 5, 2013 at 11:26 am #

    Here are some facts:

    I live in Pennsylvania, have a 715 credit score and I am putting 10% down on a $13,300 car.
    Just loking for a general idea, so that the dealer doesn’t try to rip me off.

    Thanks
    Thanks guys!!! i was able to shop around and found a good rate at 5.99 through my credit union!

  5. Kris March 8, 2013 at 4:16 am #

    THE RIPPLE EFFECT.

  6. Adolfo March 27, 2013 at 1:00 am #

    How can I find a very low auto finance rate? My credit union is 5%+, costco is 4.94%, and eloan is 6.99%+!! The dealership was offering 2.9%, but that ended on July 7th. That’s the type of rate I’m looking for. Does anyone have any ideas that I may not have thought of? Home equity loan is not an option, BTW.
    BTW, I have excellent credit (700+).

  7. Delia April 4, 2013 at 6:53 am #

    I,m not a expert on interest rates but i,m in the market for a vehicle and i keep hearing zero percent financing at dealerships. is it a good thing will it end up screwing you over in the long run.

  8. Josef April 4, 2013 at 2:22 pm #

    Why do they invest all their dollars in the market so that when crisis happens they have no cash!!! What kind of market strategists they have? GM owns percentages of every other auto companies around the world and how the hell it is not able to survive from the money that it earns from other auto makers like BMW…?
    Please somebody enlighten me.
    Thanks

  9. Angela April 6, 2013 at 2:10 am #

    Are some car companies still discounting loans to purchases cars or trucks?

  10. Thomas April 9, 2013 at 4:03 pm #

    I want a honda pilot, I will have 12k in cash when I need to buy it (at least). I don’t want to finance it but if I have to (it would only be for a year at the most) I would need a super low interest rate… HElp please!
    I want a used car btw!

  11. Voncile April 9, 2013 at 8:37 pm #

    I am paying cash for the Mazda 2. (which is the car I want). But the only incentive offered is the 60 months for zero percent. I would much prefer a cash back option which I would apply to the cost of the car, and thus reduce the amount of the car. But cash back is not an option. Don’t the zero percent and cash back come together as an either/or option normally?
    Yes dummy, it says zero percent AND $500. It does not say either or. Reading comprehension skills are a plus.
    Unfortunately I appear to be smarter than the answerer tonight.

  12. Maryalice April 13, 2013 at 9:26 am #

    I hope so because those are the only two jobs Obama is “PLANNING” (<– planning as in he hasn't even gotten around to offer his only two job offers after four years in office) on offering you.

    "What was that?

    You have a bachelor collage education?

    That's great!

    But can you build cars and dig holes?"

    @Speaker-to-Animals: I don't even like the smell of alcohol, fail. Idiota.

  13. John April 14, 2013 at 10:47 am #

    How can I get information on the auto industry demographics?
    (ex: number of defaulted loans, repossessions, financing information)
    Thanks!!

  14. Gale April 14, 2013 at 9:07 pm #

    I am buying a 2008 Equinox from a dealership. It’s used. I negotiated the price already but tomorrow I am going to deal with the financing dept. My credit scores are 790 and 800 with an 11 year history.
    Considering the economy, is it unreasonable to ask for a zero percent for 60 months? Kansas city area

  15. Ernesto May 9, 2013 at 2:12 pm #

    I know nothing about this so please someone explain this.
    For example if I buy a car and instead of buying it for the full price, I decide to pay it monthly. How would that work? Do I just pay monthly to whereever i got the car from? or am i suppose to borrow from the bank to buy the car and pay the bank instead? Someone please explain this. I’ll give best answer.

  16. Shalon May 14, 2013 at 2:04 am #

    I have 40k in credit card debt, and 50k in student loans. I have zero assets and rent. I do have a car that is 21/2 years old and a loan that is current because I can’t lose my car. I pay a total of $1100 in credit card bills to make minimum payments. I have attempted consolidation numerous times and transferred balances. However, after the zero percent for a year they go up to 30%! I need out of this mess. I don’t see how at an income of only 36k a year. My credit union turned me down for a loan at a lower interest to consolidate. I work various part-time jobs, but it only stops the additonal need to charge so that I have extra cash for gas, food, and occassional entertainment. I live in NV and the median income to file chapter 7 is 39,500, so I’m below that. I can’t buy a future home on my salary. I have a stable car that should last the next 10 years (camry). I may move to out of the country giving me new credit anyway in the next few years. Any ideas? Thanks.

  17. Dino May 14, 2013 at 5:30 am #

    I’m attempting to negotiate with 2 dealers in the Baltimore Metro area. Am I dreaming? I want the I Grand Touring – Skyactive. I am a current Mazda owner and fan. I will not be trading in my old car. I have been talking to them both for about 3 weeks. Both dealers seem to have a lot of 2012 inventory at the end of the year. They have 2013 inventory also. Thoughts? Thanks

  18. Emely May 15, 2013 at 12:39 pm #

    GM is starting to offer great deals on vehicles with zero percent financing.

  19. Rowena May 16, 2013 at 8:03 am #

    I want to buy a 2013 Ford Fiesta. It offers 60 mos zero percent financing. They don’t have what I want in stock…. the ones in stock have too many options on them. So I want to order a more basic model. Do you think $500 off MSRP is a good deal with zero percent financing?

  20. Hilde May 16, 2013 at 9:18 pm #

    I intend on purchasing a new car with cash from a trade-in. This would leave with anywhere from $2000 to $8000 of out of pocket expenses. I am financially able to write a check for the full amount whatever it may be but with specials such as 0% financing I see no reason to do that.

    Do dealerships generally have a minimum amount that they will finance or could I in theory finance $100 over a 36 month term?

  21. Loren May 16, 2013 at 10:23 pm #

    $23,600
    $393 per month
    Zero Percent Financing
    No money down

    Never bought a car before and was offered this deal. Thought I’d ask here first. Thanks.
    Yes, it is for 60 months and, yes, this is after all taxes and fees.

  22. Jarred May 17, 2013 at 4:43 am #

    Looking to buy a new one? Is it worth it. The zero percent financing make me want that over a toyota rav 4.

  23. Callie May 17, 2013 at 6:28 am #

    Figuring in the cost of the car ,fuel,finance,etc.
    and is it more or less then that of a used car..?
    also what is the average cost per mile of a used car??
    Thanks IA
    Please feel free to fill in any blanks for comparison purposes.

  24. Virgil May 17, 2013 at 8:43 am #

    I am very good financially. I am in my late 20s and I have never paid interest on a credit card. I had a financial sales job that I made 185k in 05 and left it to start a financial company then God showed up and turned my life upside down. I haven’t worked since except getting involved with some investments that are bringing me about 1200 a month and growing. God showed up in my life in a way I didn’t expect and turned my life around. It was so clear it was God because during a period of time he spoke to me in about everyway he could and it all confirmed what I had felt in my heart for about 12 years before this happened. He has been guiding me for about two years toward what he showed me my calling was. I feel like God told me that this was a 3 year process and he confirmed that through two people. I am working on that and I sold my mercedes, sold my home, broke up with a girlfriend that was bad for me. Now he has been quite and I see that as the next step of faith and trust. He has showed me that he is in control of my finances and my view of money has changed so much. I sold my home within a month in a terrible market for a great price. I found a car that was extremely under valued (1800 for a car worth about 5k) on ebay. He found me the perfect rental that is way under priced (550 and should be over a 1000). Anyway, I know my calling and I see myself working toward it and getting close but here is where I am confused. I took out a zero percent interest credit card that expires late summer this year. I figured free money for a year at least I can put it in an online saving account and get interest on it. It was for 22k. Technically I’m not in debt but I started to dip into the credit card advance cash. I know that the bible talks against getting into debt so naturally I feel I should get a job to not get into debt. The problem is I feel like I am not suppose to get a job and trust in God and his calling. Partly because the last two times I have had job opportunities God showed me things against the jobs. The first he made extremely clear not to do it and it ended up being a dud after I said no. When I was offered that job and trying to decide whether to do it I received prayer from a man I have never seen before and he said “you have had a couple opportunities lately but is it what you feel your suppose to do? I said no. He said sometimes when your on the verge of excellence something good comes along as a temptation. He said God wanted to fulfill my calling more then I did and he would make it clear about the job in the next week. God made it really clear just like he said. The second I prayed and the next day I miraculously was showed something about the job that I wouldn’t have been able to find out unless God showed me. I feel like I am close to getting to my calling which will bring me money. So I am confused between what I feel God calling me to do and what the bible says about debt. I have about 14k in money and investments(medical equipment) bringing me 1200 a month which could grow up to 3k to 4k. My bills are only about 2000 a month. I don’t have a family or kids. I have a job that I think I could get but its the one that God showed me it wasn’t really what it seemed. Should I trust in God or since the bible talks badly about debt should I get a job? Any suggestions?
    oldguy63 How can it be my will for my life? I do not want to do what I have been doing and its been very painful process of dying to self. I don’t appreciate that.

    Technically anyone who owns a home is in debt right? Why do we view that as different.

  25. Gillian May 17, 2013 at 10:36 am #

    purchasing a car with 0 percent financing from the factory…

  26. Mariette May 17, 2013 at 11:05 am #

    the MSRP on the Versa hatchback is 16500. I can get it for 14000 and zero percent financing for 60 months. The Mazda 2 MRSP is 14975. I can get it for 14000 plus zero percent financing for 60 months. The Mazda 2 is a manual. The Versa is an automatic (automatic is all they have in stock).
    I test drove both, and honestly it’s a tough decision. Both are quite different. The Versa had a commanding view of the road. It glided over the rough spots in the road. It felt more substantial.
    The Mazda 2 had very sensitive, fun steering. It didn’t feel substantial like the Versa. But it was
    much more fun to drive. I was bored in the Versa after 2 minutes of driving. But I am trying to take a long view of it. I am 50 years old (guy), and I need a car to replace my 20 year old truck. Maybe in the long run I will come to appreciate the more substantial Versa? Or maybe the Mazda 2 driving
    dynamics will never grow old. I suck at making decisions. I am single and don’t have anyone to bounce ideas off of. Thanks.

  27. Anja May 18, 2013 at 6:22 am #

    I’m gonna pay £113 per month for a 4 years old corsa during 5 years. In 5 years, I will have paid £7000 for a car that will be 9 years old and that won’t be worth much anymore? Is that a good deal? Or is it better for me to buy a ford ka at £500 to commute to work every day? Thanks for your advice.

  28. Carmine May 19, 2013 at 6:32 am #

    Under what circumstances should an individual take out a loan versus pay all cash? How have recent zero dollars and zero interests for 12 months affected potential cash buyers?

  29. Jefferey May 19, 2013 at 9:00 am #

    Stupid Y!A removed my answers. Anyways. I’m buying a Lexus IS250. What are the procedures for buying from a private dealer and how long does it take? How much do you think I could chip off? It’s 2008 and 20k. Is there financing available when buying from a private dealer? Thanks.

  30. Shasta May 19, 2013 at 10:31 am #

    I am in the market to buy a suburban 2010 texas edition. I have a down payment of 5k and I want to finance the rest. I know the MSRP is around 41k and the invoice price is 38k but I want a lower price and zero percent financing for 5 years AND new car. if anyone has good tips please do let me know thanks

  31. Florencio May 19, 2013 at 8:31 pm #

    My payment is due on the 12th of every month, but was wondering if they allow a 10 day grace period? If I do use the grace period, will this raise my interest rate?

  32. Miquel May 20, 2013 at 3:42 am #

    Ofcourse, nothing can beat a 0% apr, but what’s a good average apr for someone with average credit?

  33. Earleen May 20, 2013 at 12:14 pm #

    I assume On-site financing at an auto dealership is in house? This means the dealer or car sales business will finance an auto themselves if you meet the requirements? I thought it might also mean that they can get you financing through a bank as any other place. Please define what On-Site car financing means (automobile). Thanks

  34. Lucas May 20, 2013 at 8:41 pm #

    Hello everyone, to participate in a class discussion , I need to give two reasons about the disadvantages of low intrest rates ,i was wondering if anyone of you could help me with giveing me two points about this matter ,Thanks very much

  35. Shannon May 21, 2013 at 8:17 am #

    I see so many advertisements for year-end deals on automobiles, zero-percent financing, cash back, five-star safety ratings, great gas mileage, and so on, and my head is spinning.

    If I wanted to buy a small-to-midsize car with excellent gas mileage, good safety rating, and the most attractive financial deal out there, what kind of car should I be looking at?

    All opinions are welcome; help me make sense of all these offers, please!

  36. Porfirio May 21, 2013 at 11:35 pm #

    would u recommended or not.

  37. Tod May 22, 2013 at 12:07 am #

    I’m financing a new (or relatively new) car pretty soon, it’s probably going to be a Nissan Altima which is a very safe car and is probably going to be either brand new or no more than 1 – 3 years old. I’m just worried about how much I’m going to be paying for full coverage insurance because I haven’t had a car in a couple years thus I haven’t had car insurance in a while and when I did, it was only no-fault insurance. Also, I’m young (22) so that will make my insurance high. However, I have a spotless driving record so that should help. I also live in a safe county if that matters.

    Anyone have a ball-park figure on how much I can expect to be paying, monthly? Thanks.

  38. Rodolfo May 22, 2013 at 5:07 am #

    I’m thinking Kia or Honda or Ford but really i could go any way right now. I want a cute/sporty car thats good on gas.

    I wonder if the dealership might have some special deals on financing if I go in?

    PS i have good credit

  39. Margarite May 22, 2013 at 8:08 am #

    on suv vehicles

  40. Jarred May 22, 2013 at 11:06 am #

    The vehicle was financed, but seized by the federal. I know I am still responsible for the loan under contract. If I cannot keep up with the payment, what will happen?

  41. Chun May 22, 2013 at 5:13 pm #

    Ford avoided banlruptcy and is more profitable than GM and Chrysler. It seems that there are two possible explanations for this. Is it because they actually produce better cars? Or did Ford’s CEO, Alan Mulally, simply do a better job of managing Ford’s finances than managers at GM and Chrysler did before they were bailed out?

  42. Sabina May 23, 2013 at 8:20 am #

    I bought a new truck in missouri on Saturday, and I live in Illinois. I also financed the truck. Do I have the right to cancel the purchase within 3 business days?

  43. Isreal May 23, 2013 at 5:14 pm #

    You have been given a choice of paying $18,000 for a new GM car with a $2,000 cash rebate (net cost of $16,000 which you finance separately), or zero percent financing for 48 months with no cash rebate. What is the implicit rate of interest in this deal?

    a. 7.90%

    b. 6.90%

    c. 5.90%

    d. 4.90%

    e. 3.90%

  44. Olen May 23, 2013 at 7:45 pm #

    I was wondering if a car that has a restored salvage title is bad. Im looking at a car right now that has a restored salvage title because the drivers side got hit. It has been replaced though. Would it cost more to insure a car like this? Would it be bad to even buy a car with this type of title? I need help!

  45. Ted May 24, 2013 at 12:07 am #

    Is Reliance Finance Company reputable?
    I got approved for a medical loan in Texas through my doctors office with reliance at 17.9% for 48 months.
    My car was 0% for 6 years and my home 5.75% for 30 years.
    Why is it so high, I am not putting anything down and I cannot go to my bank because I don’t have a down payment.
    Where can I go to get a good interest rate?

  46. Lewis May 24, 2013 at 4:23 am #

    I have a very high income to debt ration but have a poor credit score (592) and am wondering how possible it would be to get financed for a 40000$ automobile which I have plenty of income to make payments on.

  47. Ricardo May 24, 2013 at 4:46 am #

    I think I may have a case some dealership had me sign for a salvage car with 1500 down being a FTB I didn’t ask if it was a clean title I later find out dealerships can’t get finance companies to loan money on a car that’s salvage. Can I get my money back some how?

  48. Kathrin May 24, 2013 at 4:39 pm #

    Every year, Lexus gives a promotion called the December to Remember. But neither the website or the tv commercials list what the sale is. Is it zero percent financing? Invoice pricing on the new vehicles? Brand new toaster with purchase?

  49. Rubin May 24, 2013 at 7:21 pm #

    I have a car loan with Citizens Auto Finance. I don’t have the loan number . To get any further on telephone they ask for your loan number! My payments are by bank draft!

  50. Hollis May 24, 2013 at 9:53 pm #

    I am going to be getting engaged soon and my girlfriend likes Tacori engagement rings. I do not want to be cheap, but also I want to get a good deal on the ring. Any ideas on where I could get a nice ring ideal price range is up to $4,000? Also any special offers of financing going on now. I know some places will do zero percent interest.

  51. Shelba May 24, 2013 at 9:53 pm #

    Is the time 14 or 30 days that is allowed to shop around and compare rates for automobiles before the inquiries affect your credit score?

  52. Shanta May 24, 2013 at 11:29 pm #

    I want to buy a new car and I am interested in getting a 0% auto loan. Is that only at specific car dealers? Or are there other places I can get pre-approved before hand? What are they looking for in terms of a credit score? Would there be a percentage down? Another other advice would be appreciated. Thank you.

  53. Hans May 25, 2013 at 2:58 am #

    Im 19, I have no credit and I would like to finance a car from CarMax,its a Mustang and its 15,000.I want to finance it for 6 years.Do you think a bank is going to allow thiss?
    Even with 13% interest my payments would only be 311 a month.. I make really good money as a bartender so swinging that is no issue.

  54. Susy May 25, 2013 at 7:22 am #

    I bought a car in 2011 and since then, my income has significantly increased, and I can afford a more decent car. I am still financing my car from 2011, and I still have another 3 more years to go.
    What are my options if I want to sell or trade-in my car? But I still have a car loan on it. I don’t want to take a big chunk out of my savings to pay off my car loan either.

    Is it better to…
    Sell it and get cash, and pay off my car loan?
    Take it back to the dealer and sell it to them and take the money to pay off my car loan?
    Use it as a trade in for the next car that I want to purchase, and let the dealership figure out my car loan payments and new car loan payment?

    Or any better ideas?

  55. Natasha May 25, 2013 at 10:02 pm #

    I have googled them, but no luck!

  56. Darrell May 26, 2013 at 12:36 am #

    All the car companies keep complaining but why won’t they give better deals? I’d buy a new Civic EX if Honda would offer 0% financing otherwise I’ll keep my old car for several more years.

  57. Holli May 26, 2013 at 3:57 am #

    I bought a car in 2003 and had it financed. I paid it off this year (2007) I found out that you can deduct taxes paid on motor vehicle , the problem is i don’t know how much taxes was imposed on the vehicle and which year I should have deducted it. Please, help. Thank you.

  58. Cole May 26, 2013 at 7:29 am #

    Is it legal for a dealer to use their existing car loan as financing for a customer? EX. The customer buys the dealer’s personal car, just continuing to make the dealer’s payment. Can the dealer call this financing???? Is this legal? The dealer owes more on the car, than the customer owes the dealer. Legal issue? Shouldn’t some type of paperwork be involved other than the customer applying to the dealer for financing? The financing is through a credit union.

  59. Edwin May 26, 2013 at 9:30 am #

    When someone leases a car, who owns the title to the automobile?
    # the automobile manufacturer
    # the financing bank
    # the automobile dealership
    # the driver

  60. Dewey May 26, 2013 at 11:31 am #

    My biggest debt problem is a credit card that has nearly a 10K balance and about 60% of that is on Cash Advances which has a 25% APR. You see the C.C company has it rigged where making the min. payment of about $250, all of the new finances charges every month gets added on to the higher cash advance balance and all of my payment goes to pay down the lower purchase rate balance of 10% so basically I can’t begin to pay down the higher rate portion of the balance (in fact it gets bigger every month) until I pay down the entire purchase rate balance of about $4,000. I spoke with a credit counseling agency about a year ago and they offered me a plan of about 10% APR on the entire balance, but only if I agreed to close that C.C. Acct. I am reluctant to do to that because it is my only source of emergency funds (I have purchase checks now at a lower rate). My question is, is there a credit counseling agency out there that will give me that better payment plan and let me keep that C.C

  61. Robert May 26, 2013 at 1:19 pm #

    Increasing the Medicaid threshold so that lower middle class people who aren’t currently eligible for Medicaid or the uninsurable with pre-existing conditions can enroll with Medicaid. That way we don’t risk undermining or crowding-out private insurers with an ill-conceived public option. Seriously, if the government took the approach they’re taking with healthcare reform and applied it to the energy sector or automobile sector then we’d be practically living in an Eastern Bloc economy before we knew it. I can’t imagine buying gasoline from the Feds or a government-made automobile.

  62. Imelda May 26, 2013 at 5:55 pm #

    I can’t get financing because I only earn $ 783.00 a month . I will take a used car if less than 4 years old but prefer new . I have been on SSDI since 99 . No one will touch without at least making $ 1500.00 a month . PLEASE help me . A anonymous donor would be great also . Everything is verifiable in PERSON .
    Thank You,
    Chuck

  63. Jamie May 27, 2013 at 12:28 am #

    I have a car that was purchased in November 2009. It is now April 2011.

    The total of the car (plus tax and license fees) was roughly $24,000.

    I have already paid off about $15,000 (60% paid off) and have a $9,000 balance due.

    My car was totaled by hitting a careless driver who turned into me.

    I was found ZERO percent at fault by both insurance companies.

    Questions:

    1. Do I still owe the balance of the car?

    2. Am I only entitled to Kelly Blue Book Value if the car is still so new?

    3. What happens to the $15,000 I already put into the car if the car is now totaled?

    4. Is worth getting a lawyer?

    Any help would be greatly appreciated for me and for (I hope it”s not often) any one else unfortunate enough to lose their car due to careless drivers.

  64. Alfonzo May 27, 2013 at 1:34 am #

    I made an automobile insurance claim for a car accident I had. I received a check for the damage minus the deductible. I have decided not to repair the car. Can I still deposit/cash the check for the claim and never repair the damage. Is it fraud if I don’t make the repairs?

  65. Joye May 27, 2013 at 8:41 am #

    I cant afford my current vehicle due to loss of income. I am trying to figure out how to get out from under the contract.

  66. Garth May 28, 2013 at 9:59 am #

    I want to check different quotes for automobile financing and insurances, if I request quotes from several different places (to shop around) does it hurt my credit each time I do?

  67. Elvis May 28, 2013 at 12:48 pm #

    I have a Swift petrol and would like to go for some modifications. My question is if there are any place in Hyderabad that would allow me to upgrade my car on a finance basis. Basically I will have to pay a certain amount at the starting, and pay the rest according to agreement with the provider, Please provide your inputs. Thanks.

  68. Adolfo May 28, 2013 at 7:22 pm #

    A few weeks ago, I submitted a credit application online at a local dealerships website. I filled it in completely. I waited to hear from the dealer, yes or no on financing. They contacted me and told me I had to come to the dealership. They would not say yes or no to financing, and I have not received a notice of denial by mail. I don’t think they even ran a credit check. Is it legal for them to collect all my personal information, and then not use it for the intended purpose?

  69. Hillary May 29, 2013 at 1:33 am #

    I am planning to buy a car. I am with tight budget. So i was thinking to go for alto or alto k10. But after launching Hyundai Eon, I am confused wther to go for alto or Eon. I would like to opt for low maintenance car. So pls suggest
    I am from India – Bangalore .. So pls suggest wther to go for for maruti Alo or Hyndai Eon

  70. Cody May 29, 2013 at 6:59 am #

    Does anyone know what interest rates should be offered for good, fair and poor credit, when financing a vehicle?

  71. Phillip May 29, 2013 at 1:14 pm #

    I am going to build a house in 2 years but am looking for a used singlewide to put on the property and live in until the house is built (2-3 years total). I then want to move the singlewide to another lot and rent it. Right now my Fico is only 601. Does anyone know if this is possible? The land is clear and there has never been a home there so I will need septic, water,electric as well. The singlewides I have looked at are around 25k but I can’t find a dealer who will finance a used home. I am in NC if that helps.

  72. Carmelo May 29, 2013 at 4:56 pm #

    How have these policies affected the employment rates for your automobile industry? How have these policies affected the growth of the automobile industry?
    How have these policies affected the prices of the product the automobile industry produces?

  73. Shalon May 29, 2013 at 4:56 pm #

    I don’t know where to start. I know nothing about cars (I only know how to drive them and change tires thats it!) so I don’t think a used car will be a good option for me. I have no friends so I can’t get any advice. My dad is against it so I am on my own. I am 27 btw and wanted to move out but won’t have a car if I do. I need a car for work. I am looking for a cheap new car since I am a newly grad and dont have a lot of money. Please tell me where I could start? Should I check first if I qualify for 0% financing? Things like that.
    I have a job now. Thats why I need a car for work. My dad wants me to drive the beat up car he had in the garage. Obviously, I can’t maintain that and he keeps saying he will be going back to his home country pretty soon. He never finds the time to repair that car so I cant drive it yet. He remarried and he is always mad at me for reasons I dont know. The girl he married is a bitch (dont ever marry people you meet online!) I am beginning to lose it so I need to move out before I do something I will regret

  74. Ashley May 29, 2013 at 8:27 pm #

    I purchased a car in Missouri, I agreed to pay the sales tax and not include it in my financing. The problem, I have not received any thing via mail as to how to do this, where do I pay? I can’t register my car without having payed this sales tax and I need to register my car. Can anyone help???

  75. Jaime May 30, 2013 at 6:25 am #

    are You Big on Asia? or what cars are best purchase price and hybrid and fuel economy? Pontiac G5 or Pontiac G6? They are not hybrid, but they are great buys. Pontiac Vibe is good also. Ford has the Escape Hybrid. Look for the best available purchases. And report the best buys below. Not only for automobiles. Any product goes.

  76. Benny May 30, 2013 at 12:15 pm #

    I am trying to get a plan together to move to Australia for 6 months-a year and I’m trying to organize my finances.

    How much does an average person spend per week on food (single person)?

    How much does, say, a loaf of bread cost there?

  77. Carolee May 30, 2013 at 11:18 pm #

    I am needing help with finances considerably….

  78. Travis May 31, 2013 at 2:00 pm #

    i am currently attached in the automobile industry as a manager. Prior to that, i was in the banking industry for 10 years, making a total of 20 years experience.

  79. Celsa May 31, 2013 at 5:15 pm #

    I would like to start a business software specifically programming and database to create programs like video games to cell phone,automobile programs,bank programs,fly programs or small innovation,etc..I know sounds really difficult to do but that’s my dream.how much do I need to start a Business software? can you give me advices please

  80. Brenda June 1, 2013 at 7:58 pm #

    Am doing 3rd year mechanical engineering 5th semister. I have some ideas regarding my mini project and final year projects. All i want to know is ______
    Is it possible to get a financial support or a Offical support for my final year project from the companies or consultancies?
    My project will be under automobile sectors. So is it possible to get support from automobile company?

    If YES , please mention the name or the way ! How to proceed to the company?

  81. Jae June 1, 2013 at 10:32 pm #

    I havent recieved a statement for two months and am sick of paying the $15 phone payment fee. I really want to set up an online direct deposit payment. Any help would be great, thanks!

  82. Morgan June 1, 2013 at 10:55 pm #

    I have accumulated some debt & I am ready to pay it off now. I own $109,000 on my mortgage, $80,000 on an equite line, $30,000 to bank of American credit & almost $8,000 to another credit card……B of A took advantage of my situation. They offered me checks that were at zero percent but they were not supposed to go up to a higher rate until the end of Jan….actually the rate went up mid-Jan….so then they put the rate up to 27.99%…..I paid them a couple thousand dollars but it was like they were trying to bankrupt me so I stopped & only paid them $10 a month….then when I went on a trip & was at the counter to get my rent a car the other credit card co. declined me. I was shocked they lower my line by about $1000. so I was in a state I wasn’t familar with left with no rental car….I had just paid them over $2000 within the month thinking it would cover my trip expenses so I got the airline tickets but they wouldn’t let me get the car rental. So I had some tense moments but I found a much cheaper rental co. & have a car now…..So what is the best way to handle my finances….I love where I have traveled to & know I could sell my house & I assume get $325,000 net. So I could pay off my house & still have $97,000. Yet the Chase/Visa credit card co. left me at the car rental counter like I was a robber. I have never ever been late for a payment or not paid them so what is going on….I am wondering if anyone who knows more about this can give me insight….I explained to them I just needed them let me get the rental car & would be home in 2 weeks & back to work but while they said they believed I was going to pay them they told me NO. What would be the best thing I can do to re-organize my finances…..My son moved to a beautiful area of the country. I feel like selling the house (I love it, 1/2 acrea, 2200 square ft. split foyer, total peace) but I could pay everyone off & take my $90,000 or so & start all over. What other options do I have. The credit card companies seem like they want to bleed me dry.

  83. Anja June 2, 2013 at 4:58 pm #

    Besides avoiding the “dealer reserve” or markup that they may apply to the interest rate so that they get in on the pot, are there any other advantages to obtaining financing before i walk on the lot (from a bargaining standpoint, etc…)

    Thanks in advance

  84. Leroy June 2, 2013 at 9:45 pm #

    I’m trying to get approved for an auto loan for a used automobile. I’m having trouble getting approved because I am unemployed and work seasonally. if i lied and got approved what would most likely happen?

  85. Brigida June 3, 2013 at 8:12 am #

    I recently did a voluntary repo on an automobile. Can the place that financed the car to me garnish my wages for money that is still owed? I thought that only government places could garnish wages? I live in Delaware. And I hear it’s a percentage, do you know how they determine the percentage?
    Thanks!

  86. Mark June 3, 2013 at 8:22 am #

    If I am active duty military, have PCS orders to Germany in hand, but my financing bank says they will not give me documentation stating I am allowed to ship the vehicle overseas, are there any forms or memorandums I can submit to change this? The loan is and always has been in good standing, just for reference. Thank you.

  87. Alma June 3, 2013 at 11:15 am #

    Are we going to create an automobile bubble that will burst like the housing bubble and once again default on loans?

  88. Avelina June 3, 2013 at 5:59 pm #

    DEARBORN, Mich. , June 3 /PRNewswire-FirstCall/ — For the second time in
    its nine-year history, Ford Focus sales eclipsed the 30,000-unit milestone in
    May.

    Focus sales totaled 32,579, up 53 percent compared with a year ago.
    Retail sales to individual customers more than doubled (up 105 percent). The
    first time was October 2001 , when industry sales soared in response to
    zero-percent financing.

    “Our dealers are selling the Focus at unprecedented turn rates,” said Jim
    Farley , Ford group vice president, Marketing and Communications. “In fact,
    Focus’ retail sales were 91 percent of beginning inventory, which puts it in
    the same league as the industry’s best-selling small cars. This is a strong
    statement about customer demand for Ford’s newest small car.”

    Ford is moving to increase Focus availability. In early April, Ford
    announced plans to produce 245,000 Focus units in 2008, approximately 30
    percent more than in 2007. Ford now is targeting to produce 280,000 Focus
    units in 2009.

  89. Mathew June 3, 2013 at 6:14 pm #

    I’m thinking of opening a used car lot with a twist and I have great credit but to put together a business plan I need to know what kind of financing I will be able to get to find out how much start-up capital I will need

  90. Loralee June 3, 2013 at 9:05 pm #

    I have been wanting to purchase a vehicle for sometime now. I paid all cash for my first car but for the car of my dreams, i’m going to need to finance. Now i’m not trying to buy an 07 Vette or something, were talking a ’67 Mustang Coupe ($7000). If I tried saving up for it, it’d take me all year (don’t plan on leaving my current job for awhile) and by then the car *might* be gone. This is not at a dealership. It’s a used car lot where the owners sell the cars to prospective buyers through car sales people. So the owners sit back and relax at home till someones interested. I started my first credit card back in August of ’05. Since then i’ve mostly paid my card on time (had two hiccups last year) and I usually pay more than the minimum. My only collatteral is my ’86 Chevy Celebrity if that matters. I have a bank account and can easily save $1000 by the end of the next month (taxes). So what do you think my chances are of being approved? Should I pay off my credit card first?

  91. Seth June 4, 2013 at 3:33 pm #

    i have a new design for a fuel efficient automobile and im going to get a patent soon, but i know to make it its going to take funding. possibly lots of funding.
    but i honestly think this could fix our oil problem within a decade or less.

  92. Evan June 4, 2013 at 6:17 pm #

    a. Kellogg’s introduces Fruit Loops with Lemonberry Swirls.

    b. Sterling Planet provides consumers the opportunity to purchase renewable electricity in upstate New York.

    cMountain Dew sells “Livewire” orange soda in the summer of 2003.

    d. Nissan lowers the interest rate charged for new automobile financing.

    e. Honda produces a hybrid version of its Civic

  93. Jermaine June 5, 2013 at 12:49 am #

    I have a 2007 automobile and I was wondering if it’s a good idea to refinance the remaining balance
    of the loan ? I received a offer from a bank and I was just wondering if it’s a smart thing to do ?

  94. Janita June 5, 2013 at 12:49 am #

    My father is deceased and had a loan on an automobile. We returned the automobile to chase along with a death certificate. They continue mindlessly billing my father despite me contacting them with my name. How long is a deceased person responsible to pay for a bill in New York state? And how come they aren’t addressing me? Why should I open mail addressed to a dead person?
    to further clarify, he had no ‘estate’. i was joint on his bank account so all his money became mine also before he even died. he had no posessions of worth either, did not own a home etc. so all his money is now in my posession. there is not even an executor of estate.
    We were also told by Chase that if we voluntarily surrendered the vehicle (which we did) that chase ‘usually’ does not ask the estate to pay any difference after they sell the car.
    He has also been dead for nearly five months. Hence my frustration. I go out of my way to provide my name and a death certificate, and they don’t even mail me with a single word! They don’t even say “thanks for contacting us, here is your responsibility” just continued monthly bills to my Dad.

  95. Arnulfo June 5, 2013 at 8:50 am #

    Hi, I am doing a project for which I need the financial ratios averages for the automobile manufacturers. I’ve been trying to find these number with no luck for days. I dont wanna go for the paid reports. Could any one give me the direct link to a web site?

  96. Rodney June 6, 2013 at 12:07 pm #

    I’m looking to buy a car from Toyota, Honda, Hyundai, Kia, Nissan

    My total credit limit is about $9,000 dollars, usage is $500

    I can make a down payment of $6,000 to $8,000(half will be using credit card since I have no balance, half will be CASH)

    I have no delinquency nor default loan. In fact financing a car will be my first ever.

    I carried on high % of balance out of my limit for a quite a bit but managed to pay it off due to better source of income from my job.
    Thank you for the information but Tier one according to toyota, honda, hyundai are kinda lower and more lenient towards creditors compared to other automotives

  97. Virgil June 6, 2013 at 10:23 pm #

    Has anyone bought a car from Detroit II Automobiles? How does it work? What is your down payment? How about your monthly payment?

  98. Loralee June 6, 2013 at 11:06 pm #

    Okay, here’s the deal. I have been paying on my car since 2001, and only owe $1600. They want to repo since I haven’t paid a full pmt since aug. I live in TX, what are my rights. The finance co refuses to work with me. Do they have to? Can I sell my car even though I don’t have the title. They, of course, want the full amount. If I can send them the amount past due & one extra month, do they have to work with me & accept those payments? I can’t send the full 1600, but I can send 1/2. Any ideas?

  99. Virgil June 8, 2013 at 1:32 am #

    I am not sure if its my imagination or not but whenever you look at the driver of a chrysler 300 they are 99% of the time black folk. Are they giving out zero percent financing to black people only? If this is the case I do not think its fair because as a anglo I would like to purchase one of these cool vehicles.

  100. Adolfo June 8, 2013 at 7:32 pm #

    What are the would be the Corporate Planning Objects for Automobile dealership?
    -Organizational Units?
    -Business Function?
    -Entity types
    -Information systems

  101. Darnell June 8, 2013 at 7:52 pm #

    Two automobile batteries are connected in parallel to power a wheelchair. If each of the batteries has electromotive force 12V and internal resistance r=0.05Ohms, and the the wheelchair motor has resistance R=1Ohms, find the current provided to the motor. What would be the current delivered to the motor if the batteries were connected in series?

  102. Tabatha June 9, 2013 at 3:34 am #

    We have have a small automobile dealership and do our own financing. The problem with that is we sometimes finance to people we have no history with. We are looking for consumer credit report service. Something we can subscribe to without paying large fees. Does anyone have an idea?

  103. Tori June 9, 2013 at 8:16 pm #

    I have a very low credit score, 480, although I have recently paid off 90% of my debt, raising your score 200 points doesn’t happen overnight. I have a great co-signer for my Car Loan that has a credit score of over 800 pts., but we got denied yesteday at a dealership for financing. Any suggestions on where to go or what bank to try?

  104. Kendrick June 10, 2013 at 2:44 pm #

    Financed a car a month ago, and my first payment is due in a little over a week, however my circumstances have changed and I have decided that I can’t afford this car. I have not made the first payment, yet the down payment has cleared. Is it too late to return the car and get out of this? Or will it still ruin my credit? If anyone knows, advice is appreciated. Thanks

  105. Jamie June 11, 2013 at 4:50 am #

    Mazda offers 60 months 0% financing on the Mazda 2. But they do not offer a either/or option.
    Example: 0% financing OR $1500 cash back. Shouldn’t there be an either/or option?
    I want to pay cash for the car. The MSRP is $14,975. If I got a loan from my bank at the prime rate for 60 months,
    it would cost me $2118 in interest. So that also means if Mazda is going to pay for my interest, it is costing Mazda $2118, right? So what if I offer them $14,975 minus $2118 ($12,857). If fact, I would like to knock the MSRP down by $500 making the new price $14,475 and then subtract the interest from that. 14,475 – 2118 = 12,382. Is my theory of reducing the interest amount from the MSRP logical? (remember.. there is no cash back option)

  106. Austin June 11, 2013 at 1:20 pm #

    Greetings

    I am looking to buy a New Scion TC, MSRP 19K and finance it for 2 years.
    I have very good credit. My main reason for financing the car, is so i can build up my credit score by developing a history of taking out a loan and re-paying it. (which would help me in a few years when buying a home)

    Can you suggest where i can get a LOW interst rate on a automobile purchase, financed over 24-36 months

    Thanks

  107. Jacinto June 14, 2013 at 1:47 pm #

    Harry needs a car for business and pays $1,000 down on a $7,000 car. The bank loans him the balance and adds a finance charge of $780. What is the appropriate entry for this transaction?

  108. Pilar June 15, 2013 at 8:35 am #

    I am unable to pay outright due to my low income for atleast several months.

    I have balanced a budget and I really dont like going in debt, but I would rather apply the amount of money I am spending each month on public transportation towards a moped payment. At least then I could get some of my money back some day even if the value of the moped depreciates.

    I would love to hear feed back from anyone who is familiar with the whole automobile financing process. Thanks!

  109. Roselyn July 13, 2013 at 7:29 pm #

    My dad bought a car in Michigan (from a mom & pop car dealer lot). They financed his purchase there. A year later he passed away in South Carolina. His car has been sitting in South Carolina for 2 weeks and I told the lender where he can find it. Am I clear of any problems here? My dad still owed $1900 on the car. No estate/probate was opened. My dad had no property. He did owe the IRS a large amount of money. Will the lender will just arrange for an out-of-state car lot to purchase the vehicle or something? I’m interested to know what will likely happen in this situation, if anyone knows. Thanks.

  110. Chantal August 6, 2013 at 11:17 am #

    I have enough $ saved plus insurance payout to buy a new car < $20k outright. Do you think it would be smarter to build my car credit (never purchased as a primary before) and put down say $10k or would the money saved from buying outright be more beneficial?

  111. Shalon September 19, 2013 at 6:48 am #

    Back when they were unveiled to the public and hadn’t been named yet, the media referred to them as “it”, because it was supposed to be the single greatest invention to come along in human transportation since the automobile. I can honestly say I’ve never seen anyone riding one. What happened?

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