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Car Loans
 

 
 

Financing a Car

Seven out of 10 new cars are financed, and you can also  finance your dream car.

Car loan is the most popular and most flexible option when financing a car, especially with current low interest rates

Are you in the market to buy a new or used car? If you are like most people, do not have the cash to purchase the car that you want. car loans can provide you with financing that you need.


You can get an car loan from a bank, credit union or other financial institutions. You can have these loans approved before you ever hit the showroom (a major plus in most deals). These sources of financing will usually offer the lowest rates you'll find, and credit unions are generally lower than banks.


     
Advantages
 

  •  You in the position of being a 'cash buyer' enabling you to negotiate a better price.

  • A personal loan gives you the flexibility of buying a car privately rather than through a dealer.

  • You can sell the car at any time if you wish to do so.

  • The car is owned by you at the outset and the loan is not secured on the vehicle.

  • The interest rate will usually remain fixed throughout the term enabling you to budget with certainty.

    Disadvantages

    If you take the loan out in a period of high interest rates then the initial rate will usually be fixed for the period of the loan.


Tips on finding and buying a car

Buying a car is exciting, but there are a few things to remember. Use this checklist to help you through the process.

Car Loan can help you before you go shopping for a car, this way you know how much you can spend and will feel more confident in negotiating a better deal from the vendor.

There are a number of places you can look for a car, each have their share of advantages and disadvantages.

Used Car Dealers
Car purchased from a used car dealer can be less expensive than those purchased from new car dealers.  A used car dealer may specialize by make, price or vehicle type, Used car dealers vary considerably in size and the stock held.

New Car Dealers
A new or used Car purchased from a new car dealer often has a warranty as specified by the manufacturer or the respective State governments legislative requirements for older vehicles that have had the manufacturers warranty expire.
Generally specializing in a particular brand of car. New car dealers can also stock used vehicles of the same brand and other brands which they may have traded-in or purchased from another source of sale.


It's all in the numbers
Interest rates on new cars are lower than on used Cars. And, in general, new cars can be financed over longer terms than used ones. This equation can make a new car cheaper than a used one in many cases.
 

 

 

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