Related articles from Yahoo AnswersOpen Question: The best deal for Miracle loans?
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Open Question: Finance Brokers & Credit Checks!! What are my rights?
Back about a year and a half ago I was looking around for a car to buy. I come from the UK and had been in the country about a year or so and was a permenant resident at the time of buying a new car. I had one Credit Card to my name and that was fine no issues with it, always paying on time etc...So when I ring up finance companies to get a finance deal on a car for around $20000 I was declined over and over, I enquired around 5 times. Then I spoke to a Finance Broker who worked for United Financial..He said he would be able to help. He did in the end after serching 15-30 different companies. The problem is he searched them all and that affected my credit history major, my credit reprt now shows 30 searches in a 1.5 yr time frame, and as I have been told by my bank that is really bad for my future. The finance Broker said I he could only go with a partner company called AFS (Auto Financial Services) and it was at 29%APR!!! I had to take it cus I needed a car for where I lived and worked. And I could only have $12000 so I had to save $1000 and I got a $13000 Barina, not what I wanted at all...I have had it now for 1.5yrs and only just realilse that when I called the "AFS" company I was put on hold and I got hold music then a voice saying welcome to United Financial (where the broker was from)...So what I am thinking now is that the broker ruined my credit history and reprt, and ended up getting me finance with his company and at a stupid rate as he knows I wouldnt have got any finance else where? Am I right to say that is unfair and who could I speak to about it? please help, my credit reprt now is CRAZY!! and just to top it off, I was strap for cash one week and I got out a "Pay Day Loan" I borrowed $250 and paid back $350, my bank also said that this looks bad on my report too...the thing is when I rang these people up when I was enwuireing about the loan and they said its good for my report cus it shows I am able to pay it back....WHAT A CROCK of Sh*t!! In UK I was told up front whether it was going to affect my credit report and also a broker credit checked me only once and went to different banks to check if I could have a loan with any of them, but only had one credit report check...Anyone know what I can do if anything? Thanks alot!
Voting Question: What are the important things i need to know about the Auto Industry Bailout?
For the LEAD summer business program i am applying to, i needed to find an article about business to write about, i chose one on the Auto Industry Bail out. Then i realized that i know nothing about business or the Auto Industry. I'm supposed to form an oppinion on it and then create solutions to solve the problem.
Here is my essay: It can be no more than 500 words and mine is about 420 so i need about 80 more words and maybe a little insight.
In early December, President George W. Bush announced that the United States had entered a recession. A recession is a state of economic decline and is usually linked with high rates of unemployment and a decline in trade. This decline is due to many factors, one such factor is inflation, and presently, the value of the United States Dollar is much less than it was a few years ago. The article, “A $17.4 Billion, 3-Month Lifeline for Automakers” by David M. Herszenhorn and David E. Sanger, deals with the recent collapse of the Auto Industry, specifically General Motors and Chrysler. The article discusses that President George W. Bush plans on loaning the auto industry 17.4 billion dollars in a last stitch attempt to salvage what is left of the auto industry. In my opinion, the idea of lending the auto industry money is unwise, this is because in order to loan them money, the government would have to raise taxes. I think that, given the current state of the economy, we should not raise taxes. Instead, I think the government should allow General Motors to go bankrupt. By allowing this bankruptcy, it would allow the other two car companies to become stronger and remove the need for a government bailout. Furthermore, I think that, the auto industry is a “sinking ship” so to speak. Putting money into their business, is not creating a solution, but merely prolonging the problem. Though, many people will become unemployed due to the bankruptcy of General Motors, the government would be able to use the money that they wanted to give to the auto industry to finance public works projects so people will have jobs. Also, I think that they should use the money that they wanted to invest in the auto industry to help the banks. We should redistribute the money into the bank system because it is a more dependable industry. Though the banks will still be in debt, by redistributing the money to the banks as opposed to the auto industry, we would be getting them into a better financial position. With the banks in a better position, I think that the entire situation with this recession will be easier to correct. Though I am not well versed in the business world, from the research that I have done, I have come up with these solutions to this problem. Even if they are not used, one thing is certain, America needs a leader to help us out of this economic crisis.
Resolved Question: i need help on a research paper !!!!?
i have this paper due on drivers ed and i have no idea how to get started on this , i am going to copy and paste the instructions for the paper below , if you guys could help in any way possible that would be great :)
Your Aunt Crazy has just hit the lottery and has decided to give you money to purchase a car. She has decided to give you $500.00 a month towards your purchase. This money needs to be used to purchase a car and pay for insurance (“Your Fault” is not an insurance company). You now have the opportunity to buy any car that will fit into your budget. Before you begin, you are asked to trade in any car in your family to help with your finances. Enjoy the shopping experience!!
Task
Your cover will consist of a title. You may use any title you wish. This page must also include your name, class period and date. Be creative and design a cover that is colorful and interesting.
Your second page will be the specifics of your new car. This will include all of the options and the price that were quoted by the dealer. You may add a picture of this car if you can find one.
The third page will be specifics on the vehicle that you traded in, including the price that was suggested by Kelley Blue Book or Edmunds.
The fourth page will explain the payment for your new car including the insurance that you will purchase for the car and the monthly breakdown for both payments.
The fifth page will be economy information on your car such as mileage in city and open roads. Also included on this page will be a safety rating for your trade-in vehicle and the new car that you are purchasing. You must provide two examples of cars that have the safest rating and two that have the poorest ratings. Give a brief explanation on why two cars you chose have a poor rating. Also on this page, you are to explain the "Lemon Law" and provide information on this law that protects consumers.
The sixth page will be dedicated to scams. You are to search the resources to find 4 dealer scams and 4 insurance scams that you should be aware of when purchasing a car and insurance.
The seventh and final page will consist of a detailed explanation on how to jump start your car. You can also find this information in the resources provided for you. Lastly, you must give credit for information that you borrowed from a source. Always give credit where credit is due!!
Resources
Remember to use the sites search option if you are unable to find the information that you are looking for.
Trade In Sites
HYPERLINK "http://www.edmunds.com/" Edmunds
HYPERLINK "http://www.kbb.com/" Kelley' Blue Book
HYPERLINK "http://www.nhtsa.dot.gov/" National Highway Traffic Safety Administration - Automobile Safety Ratings/Crash Tests
HYPERLINK "http://carbuyingtips.com/" Car Buying Tips - Lemon Law Information/Dealer Scams/Jump Start/Loan Spreadsheets
HYPERLINK "http://www.calcbuilder.com/cgi-bin/calcs/AUT5.cgi/aol_auto" Calculate Financing - Gives monthly payment for a car being financed
HYPERLINK "http://rd.com" Reader's Digest HYPERLINK "http://rd.com" - Safety ratings and other important car information
FAQ's - Frequently Asked Questions
1. Must I use the recommended resources to complete this assignment?
You may use any web resources that you would like to use. Just keep in mind that the sites that you choose must be within the guidelines.
2. Do I have to credit my resources?
Yes you must!! It is very important to give credit where credit is due....Make sure you copy and paste the web sites address of all sites that you use on the last page of your assignment. This includes any pictures or text that you borrowed from another source.
3. Can I use a digital camera or scanner for parts of my project?
You most certainly can!! Use anything that you want to put pictures in your project. The more creative you are, the better your grade will be.
Resolved Question: Why will noone approve me for an auto refinance loan?
I have a decent credit score (650-700), lived at my resident long enough, been at my job long enough (almost 2 years) and make more than enough money to get a loan. I have paid on the car for 7 months on a 6 year loan. The interest rate is over 20% right now and have an excellent payment history on all my accounts/credit cards. So far, most reputable financing companies have rejected me online. I will soon go to banks and credit unions. Any suggestions?
Voting Question: Word problems Heeelllp!! ?
A car dealer offers you a choice of 0% financing for 60 months or $2500 cash back on a new vehicle. You have a pre-approved 60-month loan you can use from your credit union at a 4% interest rate. If the monthly payments at 0% are $16.67 per $1000 financed, and the monthly payments at 4% are $18.41 per $1000 financed, what is the range of new car prices for which the cash back option will cost you less? For what range of car prices should you take the 0% financing?
You have a jug of 40% antifreeze solution in your garage, and you just bought a new container of 100% antifreeze from the auto parts store. You need to mix up 1 gallon of 50% antifreeze for your car's radiator. How much of each of the two solutions do you need to use?
Resolved Question: Good price on full coverage auto insurance?
I just bought an 09 ford escape XLS, with a 4 cylinder engine and lo-jack installed.
I'm 27 years old and a married federal employee.
Since the vehicle is financed I have to have full coverage insurance of course. I'm located in New Jersey so its a bit expensive.
With $1000 deductibles, road side assistance and rental car coverage I was quoted at
$113.95 a month OR $602 for 6 months from esurance...
Is this a good price? I havent had to have full coverage before and want to make sure I'm getting a reasonable rate
More info: My license is clean as the last time I drove in the states was 9 years ago. The other factor is that for the past 9 years I've been in europe and because of that my insurance company isnt recognized here, so its like I havent been insured then.
Resolved Question: The best deal for Cheap cars online?
Is this the best offer for Cheap cars online?
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Resolved Question: How can I get auto finance/lease with no credit?
I am a student and have no credit. I got my first credit card 4 months ago and I am making proper payments with not alot of debt. Also, I am unemployed and my parents work off the books so i cant really show my income.
I really need a car, how can I get a lease w/affordable rates?
Also, I am thinking of applying for a new cell phone. Should I do it given my credit score is like this?
aa. I could get a job for month or so, but I am in college and will have to give up or go part time when the school starts again. Even if I do its gonna be like $15/hr thing.
How about putting like half down? As I said, we work off the books :) I think u get the message.
And no I will not buy it out for 2 reasons, 1. I want credit history. 2. The car depreciates
Resolved Question: Is it a good idea to borrow a high-APR auto loan, although I don't need it, to build my credit rating fast?
The manager at the financing department suggested that I should at least keep the loan for 24 months in order to boost my credit record significantly. So my plan is to pay off the majority of the loan in 1 or 2 months, and finish paying the rest in 22 to 23 months. I figured this way I can avoid paying too much interest while getting the so called "boost". Does this idea sound silly or reasonable? Thanks!
Resolved Question: credit score is 592? what interest rate will i get for auto loan?
Bankruptcy discharged in Dec 05. I have good job, cash for down payment, looking to trade or sale my 01 lincoln ls in excellent condition... 88,000 miles.. i want a 06 used 4 car sedan: good mpg, dark color, reliable, and stylish? what do you recommend? i would also like recommendations on finance companies with my credit score being 592. I have cash for down payment. i am in the position to buy a car cash money but i would like to finance and get my credit back to good standard. i've never been in a position of being turned down for credit or get high interest rate. What interest rate should i expect to get and what company is good for financing and have the blank check option. That would make it alot easier for me.
Resolved Question: Isn’t the auto industry bailout just delaying the inevitable?
Nothing will change for the “big three” until they cut costs and consumers begin buying more cars. Auto financing, despite Fed interest rates cuts have gone higher, presumably because of the credit crisis (I don’t believe that). Nobody is buying? The only place that the auto manufactures can have a real impact is to cut labor costs. Job cuts will be made to match production needs. Either way the bailout amounts to Chapter 11 restructuring and downsizing without the legal accountability of actually filing bankruptcy? Bankruptcy would have required a plan to become profitable again and cost cutting measures would need to be spelled out. The House version of the bailout yesterday didn’t require any cost cutting measures? If this thing passes they will all be back again in less than six months looking for more money with no substantive changes to the industry.
Voting Question: I want to broker auto loans from my home office, but have no ideal how to get started... advice, please!?
I currently work in the mortgage financing industry. I would like to be able to refinance my customers auto loans along with their home loans. Many of them do not have the equity to pay their auto loans off and many have rates on them ranging from 18-26%. This would allow me to provide another beneficial service and supplement my income.
Any suggestions on how to get started? Companies that employ auto finance brokers remotely?
Resolved Question: Attn: Auto-Finance Experts....?
I do houses, not cars, so I am trying to help a friend get some information.
My friend is in her mid-30's, has a son, and is graduating in May with her degree as a Radiology Technician. She lives rent free with her mother and has no other expenses.
She gets $840 in child support each month, consistent and she can document this. She has about a 700 credit score and no other expenses.
She is wanting to buy a car in the $14K or $15K range, but she also doesn't want to get raked over the coals in interest either.
She'll probably put about $1500 down on the car.
Is this doable and any ball parks on rates?
PS: I'm really only looking for responses from those that work in the auto-finance industry and are familiar with auto-underwriting guidelines.
mbrcatz...do you work in auto finance? Obviously not. You obviously didn't even read the entire question. My friend has no other expenses. Not food, not electric, not anything and she won't until she finishes school and she'll be making about $50K when she gets out. Her insurance only runs $69 every three months for FULL coverage where she lives, and financing $14K or $15K is not going to run $450 unless you do something stupid and purchase it at 15% interest, which she is not going to do...she doesn't have a good credit score b/c she didn't manage her finances well, she has tons of tradelines and pays anything off every month.
That is why I SPECIFICALLY asked for someone who WORKS in the auto-finance industry to answer the question and not someone who just "has an opinion" because they have bought a few vehicles.
She was planning on purchasing a car upon graduation but her car has $2,000 worth of engine work, and she doesn't want to waste the money. She can WELL AFFORD it.
Resolved Question: If Ford gets a $9bln. line of credit ?
- will they be charged the same financing rate they've charged their buyers? or the highest pct. rate that they've ever given to one of their car buyers?
http://news.yahoo.com/s/ap/20081202/ap_on_go_co/meltdown_autos
WASHINGTON – Ford Motor Co. is asking Congress for a $9 billion "stand-by line of credit" to stabilize its business, but says it doesn't expect to tap it.
if they regularly charge a 10% interest rate on financing, shouldn't they expect in kind to be charged an equivalent percentage rate for their line of credit?
10% per year on any amount unpaid - and guaranteed by the foreclosing/repo of their entire company?
Voting Question: HELP! - Bought a Used Car (Shady Dealer) - Can they make me do this?
So I purchased a used car recently and let me tell you it was a complete headache. I thought I played my cards just right, but the day I went to actually buy the car....the saleman pulled a "my manager said he will not sell the car at that price....it's hot....he must be getting more money for it....bs ...bs...bs" scam .... they boosted the price on me by $600.... I loved the car... and I was in a situation coming from a car accident...so I needed to buy a car as the rental had to be returned the next day....
so I sit down in the finance office and the guy pulls up my credit and gives me a lower credit score then it actually is....saleman tells me it's 699.... finance guy says it.....680.... but the credit scores i pulled from all 3 bureaus were 730/730/729..... they explained that my auto credit score is different blah blah blah.... to make a long story short I signed the deal.... at 9.9% financing....for 72 months.... they totally wore me out.... (not to mention they reported me to live in a different county...i asked about it...and said oh its ok it's the same amount of tax...feel like I got scammed here too).....
so i sign all the paper work.... and the guy gives me a "oh i'm going to have to fight for you to get this rate and get you financed"
they take my 2g downpayment and i take the car with the signed paperwork....
a couple days pass...and the finance guy calls me saying he was unable to finance me.....and that the finance company wants me to put down another 1500 ...boost my interest to 10.99%...and reduce it to a 60 month term....
can they do this...i have the signed contract stating my contract terms.... on the day i bought and took the vehicle home... how can they tell me they want more money....more interest ..and shorter terms...why would they let me take the car if they couldn't get me that??? what in the world is going on and what do I do ? The finance guy has been trying to get me back into the dealership to sign and redo the financing terms and deal....said he wants to do it now...before the interest rates change as they change month to month according to him....what's going on??
Resolved Question: Getting an auto loan direct from a lender rather than the car dealer?
I applied online for an auto loan with Capital One Auto Finance (capitalone.com/autoloans) and got approved for a low rate. They sent me a Blank Check that I can just sign over to the car dealer and cut out the usual auto financing hassles. It lets me negotiate like a cash buyer and ensure a low auto loan rate. It almost seems to good to be true. Has anyone else had favorable or unfavorable experiences with Capital One online auto loans? Thanks!
Resolved Question: Where can I find a good interest rate on an Auto Loan if i have bad credit?
I recently bought a car and my interest is 25%! That is horrible. . but I needed a car VERY bad. Where can I find a place that will finance someone with bad credit. . but have an interst rate better than 25%???
Resolved Question: Auto finance question:?
My scenario is that I recently started a new job (2 months ago) after being a stay-at-home mom for several years. I make 45,000/yr and would like to finance a used car that costs around $19000-$20000. My credit scores are 581, 596, and 621 as of 11/18/08. I really need a new car because my minivan is kaput. I don't want a clunker(been there done that). I want something nice that I can keep approx. 7-10 years. What are my chances of getting financing and what do you believe the rate and terms would be? I would like to finance 60 months on a 2006 model year. Also, how does mileage come into play? The car I am looking at has around 50,000 miles on it. Any help would be greatly appreciated and only serious answers please-no judgments. Thank you.
Voting Question: Auto finance questions:?
My scenario is that I recently started a new job (2 months ago) after being a stay-at-home mom for several years. I make 45,000/yr and would like to finance a used car that costs around $19000-$20000. My credit scores are 581, 596, and 621 as of 11/18/08. I really need a new car because my minivan is kaput. I don't want a clunker(been there done that). I want something nice that I can keep approx. 7-10 years. What are my chances of getting financing and what do you believe the rate and terms would be? I would like to finance 60 months on a 2006 model year. Also, how does mileage come into play? The car I am looking at has around 50,000 miles on it. Any help would be greatly appreciated and only serious answers please-no judgments. Thank you.
Resolved Question: Which would be better to do: Finance a car w/the dealership or get an auto loan from a bank?
I live in Texas, and have fair credit. How much do you think my interest rate would be?
Resolved Question: Can I get an auto loan under my new business?
I have recently started a new business and would like to purchase an SUV for company usage. The business brings in a nice monthly revenue stream but it is new and thus has no credit history. I would like to put about 10-20% down and finance the rest. My personal credit is bad so it's not likely that a personal guarantee would be worth much. Is it possible to get financing for this? I don't mind paying a slightly higher interest rate.
Resolved Question: Are there any catches to a low APR from a auto dealer?
I've read that the low apr's from auto dealers that usually there is a catch. Toytota has 2.9 % plus a rebate for 60 months. Are there any catches to this i should look for? I figured this rate vs a higher rate from my CU & looks like Toyota is a lot cheaper but i had heard sometimes they make up money in financing & hidden charges.
Resolved Question: Please help: Automotive Questions about car financing?? ?
1. Why is it important to maintain a good credit history?
a. Because your family will inherit it, and it's important to plan for their future
b. Because anyone can access your credit history at any time to learn about you
c. Because a good credit history can generally help you negotiate for a lower finance rate
d. Consumer protection laws state it is your responsibility to maintain good credit
2. What might happen if you fail to make several payments on purchases that you made a year ago?
a. The item(s) can be taken away from you, if the item(s) secured the credit obligation you took on when you bought the items
b. Negative information may be added to your credit report
c. You could be denied credit in the future
d. All of the above
3. How can you find what your credit history looks like?
a. Contact a credit-reporting agency
b. Ask a private investigator to find out all they can about you
c. Look yourself up on the Internet
d. Check your family's credit history
4. Which of the following is not something a creditor will look at before granting you credit?
a. If you pay your bills on time
b. Where you live and your living arrangements
c. How many credit obligations you have
d. How much you owe on all your accounts
5. Net income is also known as:
a. Taxable income
b. Alimony
c. What's left after you pay your bills
d. Take-home pay
6. About how much of your monthly take-home pay should your car payment not exceed, after subtracting certain monthly expenses, like credit cards?
a. 5% to 10%
b. 10% to 15%
c. 15% to 20%
d. 20% to 25%
7. In addition to vehicle payment, what other vehicle expenses should be considered in your monthly budget?
a. Insurance
b. Maintenance
c. Gasoline
d. All of the above
8. Which of the following is a contract with a dealership to buy a vehicle on time by paying the purchase price plus an agreed upon finance charge over a certain period of time?
a. Gap protection
b. Aquisition fee
c. Installment sale
d. Residual price
9. What is one of the major differences between buying and leasing a vehicle if you choose to buy?
a. The dealership is listed on the title as the vehicle owner
b. You need to turn in your vehicle to the dealership after a certain length of time
c. You will need to pay a security deposit, acquisition fee and other charges
d. You are the owner of the vehicle and your name is listed on the title
10. Monthly lease payments are usually lower than monthly finance payments when comparing leasing and financing for the same term because you are only paying for the vehicle's expected depreciation during the lease term, plus a rent charge, taxes and fees.
a. True
b. False
11. When you finance at the dealership, you are entering into an installment sales contract between you and the dealership.
a. True
b. False
12. When you lease a vehicle, you are responsible for excess wear and tear, damage and missing equipment.
a. True
b. False
13. Which of the following items can you negotiate with your dealership?
a. Annual Percentage Rate
b. Length of contract
c. Price of the vehicle
d. All of the above
14. Which of the following can be used to lower your monthly payment?
a. Getting a higher APR
b. Choosing the shortest term available
c. Making a larger down payment
d. None of the above
15. Which of the following are additional items that can usually be added to the finance contract?
a. Optional Credit Life Insurance
b. Option Gap Protection
c. Optional Service Contract
d. All of the above
16. What is the purpose of purchasing optional disability insurance?
a. Covers the gap between the vehicle's value and what your insurance company provides in the event of total vehicle loss
b. Pays the balance of your contract in the event of your death
c. Makes your scheduled car payment in the event of sickness or disability
d. Protects owners against unexpected major auto repair expenses
17. What is the purpose of a service contract?
a. Adds additional time to the vehicle warranty
b. Protects owners against unexpected major covered auto repair expenses
c. Pays all of the vehicle repairs regardless of the circumstances
d. all of the above
18. It is a normal business practice for the dealer to retain some portion of the finance charge as income for the dealership.
a. true b. false
19.) A rebate is always better than a special finance rate.
a. true b. false
Resolved Question: Short Automotive Questions about car financing? Pleasseee help me?
Automotive Questions. Please help me? id really apprecaite it. thanks in advance and have a great day. =)
1. Why is it important to maintain a good credit history?
a. Because your family will inherit it, and it's important to plan for their future
b. Because anyone can access your credit history at any time to learn about you
c. Because a good credit history can generally help you negotiate for a lower finance rate
d. Consumer protection laws state it is your responsibility to maintain good credit
2. What might happen if you fail to make several payments on purchases that you made a year ago?
a. The item(s) can be taken away from you, if the item(s) secured the credit obligation you took on when you bought the items
b. Negative information may be added to your credit report
c. You could be denied credit in the future
d. All of the above
3. How can you find what your credit history looks like?
a. Contact a credit-reporting agency
b. Ask a private investigator to find out all they can about you
c. Look yourself up on the Internet
d. Check your family's credit history
4. Which of the following is not something a creditor will look at before granting you credit?
a. If you pay your bills on time
b. Where you live and your living arrangements
c. How many credit obligations you have
d. How much you owe on all your accounts
5. Net income is also known as:
a. Taxable income
b. Alimony
c. What's left after you pay your bills
d. Take-home pay
6. About how much of your monthly take-home pay should your car payment not exceed, after subtracting certain monthly expenses, like credit cards?
a. 5% to 10%
b. 10% to 15%
c. 15% to 20%
d. 20% to 25%
7. In addition to vehicle payment, what other vehicle expenses should be considered in your monthly budget?
a. Insurance
b. Maintenance
c. Gasoline
d. All of the above
8. Which of the following is a contract with a dealership to buy a vehicle on time by paying the purchase price plus an agreed upon finance charge over a certain period of time?
a. Gap protection
b. Aquisition fee
c. Installment sale
d. Residual price
9. What is one of the major differences between buying and leasing a vehicle if you choose to buy?
a. The dealership is listed on the title as the vehicle owner
b. You need to turn in your vehicle to the dealership after a certain length of time
c. You will need to pay a security deposit, acquisition fee and other charges
d. You are the owner of the vehicle and your name is listed on the title
10. Monthly lease payments are usually lower than monthly finance payments when comparing leasing and financing for the same term because you are only paying for the vehicle's expected depreciation during the lease term, plus a rent charge, taxes and fees.
a. True
b. False
11. When you finance at the dealership, you are entering into an installment sales contract between you and the dealership.
a. True
b. False
12. When you lease a vehicle, you are responsible for excess wear and tear, damage and missing equipment.
a. True
b. False
13. Which of the following items can you negotiate with your dealership?
a. Annual Percentage Rate
b. Length of contract
c. Price of the vehicle
d. All of the above
14. Which of the following can be used to lower your monthly payment?
a. Getting a higher APR
b. Choosing the shortest term available
c. Making a larger down payment
d. None of the above
15. Which of the following are additional items that can usually be added to the finance contract?
a. Optional Credit Life Insurance
b. Option Gap Protection
c. Optional Service Contract
d. All of the above
16. What is the purpose of purchasing optional disability insurance?
a. Covers the gap between the vehicle's value and what your insurance company provides in the event of total vehicle loss
b. Pays the balance of your contract in the event of your death
c. Makes your scheduled car payment in the event of sickness or disability
d. Protects owners against unexpected major auto repair expenses
17. What is the purpose of a service contract?
a. Adds additional time to the vehicle warranty
b. Protects owners against unexpected major covered auto repair expenses
c. Pays all of the vehicle repairs regardless of the circumstances
Voting Question: Auto loan question on new purchase?
i just got an auto loan for $8200 with 6.25% APR. sounds good right? well heres the problem. on the sales contract listing the financing details heres whats listed:
term is 60 months, 6.25% APR, $8200 financed. thats well and good.
but heres the swirly part. Finance charge is listed as $4280. this is supposed to be based off APR and amount financed and this value from what ive found is way to high.
this results in my payments being about 48 dollars higher,a nd as a result my total price payed at the end of the of the 5 years is $12480.
the auto loan calculators ive tried online show payments of $159
the contract shows $208 payments. the problem appears to be the finance charge as being calculated way to high. everything ive found
points to it being way to high.
this is supposed to be financed through a third party, a credit union. the dealer was supposed to set things up for me. seeing as the math is completely screwed, but im only getting $8200 financed at 6.25% apr through the credit union im curious as to how this is gonna work out. the dealers contract shows one things, but everything else shows another.
i have a separate sale contract showing the final price of $8200 after tax title and my down payment. so what i owe and the interest rate can't be disputed. but the financing numbers on the other contract are bogus.
of course this is the day after. go me i wait till now to research this crap. :(
Resolved Question: All you auto financing guru's! What if...?
Lets say... I have 8k to put down on a 23k dollar 09 Xterra. I pay off my current car loan in 2 months (finance for 72 months but payed off in 4 years...not suppose to be penalized). Have had maybe 5 late payments in 4 years. Credit score is around 615 now... Not sure what it will do once i pay off the car. Have a 3k loan from my credit union that's being payed religiously. But no other credit accounts. Been at current residence for 5 years and current job for 4 and a half. Am 26 years old, gross at least 2100.00 a month, usually around 2600.00 with only about 400.00 of that going out in bills each month. Where would be my best option to getting the rest financed? Dealership, credit union or online (Capital One)? I don't take rejection well and would like to skip that part if possible haha. Should I still expect a high interest rate? Payed 14% on current car...But wasn't too concerned with interest rate at that point. All I saw was !!!NEW CAR!!!
Resolved Question: poor credit auto loan?
I am trying to buy a car for around $18,900. I have a trade in worth about 11-12 thousand that i own free and clear.. I have around a 540 credit score. This will mean i need a loan 7-8 thousand. Should I expect to be able to get financing for this? with over 50 %down??? what kind of rates and terms can I expect. Also, I am on pace to make around 65k this year. I went through a forclosure almost two years ago and some bad credit cards from that time as well. that is the reason for my low credit score. let me know what i can expect to hear from the dealer or if you have any advice. thanks
Resolved Question: Bad Credit auto loan?
I am trying to buy a car for around $18,900. I have a trade in worth about 11-12 thousand that i own free and clear.. I have around a 540 credit score. This will mean i need a loan 7-8 thousand. Should I expect to be able to get financing for this? with over 50 %down??? what kind of rates and terms can I expect. Also, I am on pace to make around 65k this year. I went through a forclosure almost two years ago and some bad credit cards from that time as well. that is the reason for my low credit score. let me know what i can expect to hear from the dealer or if you have any advice. thanks
Resolved Question: Will all these stores closing cause a depression worse than the 1930's?
The real economy contracting rapidly
Behind the reassuring statements from Paulson and others that the "worst is over" the reality of the credit collapse since August 2007 is a deepening economic contraction which I have said several times in this space will surpass the Great Depression of the 1929-1938 period. A good friend who is an unemployed homebuilder in a prosperous part of Arizona just sent me the following list of US department retail store closures. It is worth noting that over 70% of the US GDP is consumer spending and that the entire Federal Reserve strategy of Alan Greenspan after the March 2000 collapse of the stock market bubble, was to bring US interest rates to their lowest levels since the 1930's in order to stimulate consumer spending on credit, i.e. debt, to avoid "recession." Note the scale of the following store closings across America in recent weeks:
Ann Taylor closing 117 stores nationwide.
Eddie Bauer to close more stores after closing 27 stores in the first quarter.
Cache, a women's retailer is closing 20 to 23 stores this year.
Lane Bryant, Fashion Bug, Catherines closing 150 stores nationwide
Talbots, J. Jill closing stores. Talbots will close all 78 of its kids and men's stores plus another 22 underperforming stores. The 22 stores will be a mix of Talbots women's and J. Jill.
Gap Inc. closing 85 stores
Foot Locker to close 140 stores
Wickes Furniture is going out of business and closing all of its stores. The 37-year-old retailer that targets middle-income customers, filed for bankruptcy protection last month.
Levitz - the furniture retailer, announced it was going out of business and closing all 76 of its stores in December. The retailer dates back to 1910.
Zales, Piercing Pagoda plans to close 82 stores by July 31 followed by closing another 23 underperforming stores.
Disney Store owner has the right to close 98 stores.
Home Depot store closings 15 of them amid a slumping US economy and housing market. The move will affect 1,300 employees. It is the first time the world's largest home improvement store chain has ever closed a flagship store.
CompUSA (CLOSED).
Macy's - 9 stores closed
Movie Gallery video rental company plans to close 400 of 3,500 Movie Gallery
and Hollywood Video stores in addition to the 520 locations the video rental
chain closed last fall as part of bankruptcy.
Pacific Sunwear - 153 Demo stores closing
Pep Boys - 33 stores of auto parts supplier closing
Sprint Nextel - 125 retail locations to close with 4,000 employees following 5,000 layoffs last year.
J. C. Penney, Lowe's and Office Depot are all scaling back
Ethan Allen Interiors: plans to close 12 of 300 stores to cut costs.
Wilsons the Leather Experts closing 158 stores
Bombay Company: to close all 384 U.S.-based Bombay Company stores.
KB Toys closing 356 stores around the United States as part of its bankruptcy reorganization.
Dillard's Inc. will close another six stores this year.
For anyone familiar with American shopping malls and retailing, this represents a staggering part of the daily economic life of the nation, from furniture stores to clothing to video rentals to leather. The process has only begun and neither major party Presidential candidate has dared to mention this on the ground economic reality, because they evidently have no solutions to offer that would not jeopardize their campaign finances. Obama is tied to not only Pritzker but also to Omaha billionaire, Warren Buffett and George Soros. McCain depends on the traditional money contributions of the Republican Party which demand permanent tax reform for highest income earners and a pro-bank laissez faire treatment of millions of homeowners facing home foreclosure and asset seizure by banks.
Resolved Question: Where should I go to finance an auto loan?
Should I use my bank, a credit union, the dealer? If I have good credit, which will give me the best interest rate and monthly payment?
Resolved Question: Is there anyway to negotiate a lower interest rate so my payment will be lower on an already existing auto ?
loan? I cant afford it anymore. Please give me some advice to use on the finance company. My next alternative is to let it go back . It has gotten down to lights or truck here lately with my finances.
Resolved Question: Can you take an auto loan out on a car that is financed by credit cards?
My credit card interest rate jumped beyond what auto loans finance at. IF the titles are with me can I take an auto loan on the cars and use that amount to pay off credit card debt that was incurred at a higher interest rate.
Voting Question: Yo-Yo spot-delivery scam?
On saturday I purchased a 2005 F150 from a local car lot. According to the dealer I got approved on the spot. After singing numorous contracts and a bunch of papper work, I drove away in my new toy.
2days later I receive a call from the auto dealer stating that I have to come back in to sign some more papper work. Intrigued by the situation I decided to do some searching over the internet. Apparently the dealer approved me for the amount they thought a bank would accept. I came back to the dealer fully aware of what they were trying to do to me. Evidentally the bank would only approve for a higher interest rate and they wanted me to sign the papper work for the new financing. Refusing to sign the papper work I left the truck on the lot and drove home with a friend.
I guess this happening is an unfamiliar occurance on auto consumers. If I was denied financing all together by the bank, the dealer could have called me and told me to return the vahicle on their terms. Instead of signing the new papper work I returned the vehicle on my terms.
I guess my question is if the dealer has a leg to stand on? I left the lot with a vehicle I didnt have financing for. Can they sue me or anything for returning the vehicle? Even if they do I dont really care. In the 3 days I had the vehicle there were a slew of things that went wrong. Fed up with it I pretty much told the dealer to F off and gave the vehicle back. Thanks
Voting Question: Yo-Yo Spot delivery scam?
On saturday I purchased a 2005 F150 from a local car lot. According to the dealer I got approved on the spot. After singing numorous contracts and a bunch of papper work, I drove away in my new toy.
2days later I receive a call from the auto dealer stating that I have to come back in to sign some more papper work. Intrigued by the situation I decided to do some searching over the internet. Apparently the dealer approved me for the amount they thought a bank would accept. I came back to the dealer fully aware of what they were trying to do to me. Evidentally the bank would only approve for a higher interest rate and they wanted me to sign the papper work for the new financing. Refusing to sign the papper work I left the truck on the lot and drove home with a friend.
I guess this happening is an unfamiliar occurance on auto consumers. If I was denied financing all together by the bank, the dealer could have called me and told me to return the vahicle on their terms. Instead of signing the new papper work I returned the vehicle on my terms.
I guess my question is if the dealer has a leg to stand on? I left the lot with a vehicle I didnt have financing for. Can they sue me or anything for returning the vehicle? Even if they do I dont really care. In the 3 days I had the vehicle there were a slew of things that went wrong. Fed up with it I pretty much told the dealer to F off and gave the vehicle back. Thanks
Resolved Question: How dose Subaru Motor report on your credit report?
I just applied for a loan today through subaru motor credit. A rep called me to ask some questions and then said I was approved. I failed to ask what the rate was. I call back and the person says that I need to be transfered to another dept. When I get connected it says welcome to chase auto finance. Dose the loan report as Subaru or as Chase Bank?
Resolved Question: whenever a website 404's, I get an annoying search page?
I've wanted to fix this forever, and have tried recently, but there doesn't seem to be any information on removing this small problem when I search google.
The contents of this search page:
Sorry, the page you have requested cannot be found.
Please re-enter a search term:
or click on the of the popular category links below:
Popular Categories
Travel
Airline Tickets
Car Rentals
Hotels
Cruises
Vacation Package
Personal Finances
Payday Loans
Bad Credit Loan
Credit Report
Mortgage Rate
Car Loans
E Commerce
Home Businesses
Make Money On Ebay
Money
Logo Design
Web Design
Lifestyle
Fitness
Dating
Weight Loss
Singles
Spa Treatment
Real Estate
Mortgages
Refinancing
Home Equity Loans
For Sale by Owner
Credit Score
Music
Free Ring Tone
Music Downloads
Ipod
Ring Tone
Mp3
Education
Online Education
Nursing Degree
University
Business Schools
Music Education
Insurance
Life Insurance
Co-Life Insurance
Car Insurance
Home Insurance
Auto Insurance
Pharmaceutical
Tramadol
Phentermine
Cialis
Hydrocodone
Soma
Sports and Shopping
Ebay
Fantasy Football
Slot Machines
Replica Rolex Watch
Overstock.com
[/end quote]
Does anybody know how I can remove this, so I can actually stay on the website when it 404's instead of redirecting to this below mediocre search page?
Resolved Question: pay off auto loan or pay it off via a 401k loan?
Hello all
I have a current balance of $19,000 on my CapitalOne auto loan at 6.25% interest. The original balance was $23,578.34.
I am on my 47th month of the 60 month loan. I am currently paying $459.06 per month. My question.
Would I be better taking a 4 year loan from my Thrift Saving Plan (401k-type plan for federal employees) at 3.625% interest at $426.00.00 a month?
I did some estimates using the TSP calculator: http://www.tsp.gov/calc/loan/calculate.html
Loan amount: $19,000 Type: General purpose Term: 4 Year(s) Repayment frequency: Monthly Interest rate: 3.625 Payment amount: $426.00 Number of payments: 48 Total interest (finance charge): $1,448.00 Total loan cost (total payment): $20,448.00
and I don't see any upside to this. I thought I would be saving a lot more money.
Resolved Question: How much my auto finance rate? APR?
I want to buy a car for 22,000. I checked my credit scores and the ranges are 670 to 695 so what would I bee looking for APR rates ? for example 72 month loan or 60 month loan?
Voting Question: Math-Finance I need to the processes these answers.?
I don't know these answers and the precess. Could anybody teaches me? I want to know the processes and answers. If you cant teach me just only one answer, that's fine too!
1) You put $150 per month, at the end of each month for 20 years, into an investment plan that pays an APR of 5.5% compounded monthly.
a) How much money will you have after 20 years?
b) Determine the total payment over the 20 years.
c)How much interest was earned over these 20 years?
2)Suppose you purchase a new car for $25,000. You have $5000 to put down as a deposit but you must take out an auto loan for the remaining $20,000 over a period of 4 years at an APR of 6%. compunded monthly.
a)Determine the amount of interest paid in the third payment.
3)A bank account has a daily interest rate of 1%. compunded daily. Find the APY, to the nearest 0.01 % for this account.
4)Suppose you took an ARM, with a first- year rate of 3.5%, instead of the fixed rate mortgage. Estimate your monthly saving with the ARM during the first year.
Resolved Question: Auto Lease vs. Auto Loan - which is better option if I need to buy a car now, and buy a house in a year?
I and my partner plan to buy a house in one year, but I desperately need a new car 'coz my current car is breaking down.
I've heard that an auto lease would NOT affect the mortgage rate, is that true?
I wanted to finance the car 'coz I intended to keep the car for a long time. But if auto lease is a better option in terms of getting a better mortgage rate, I'd consider getting an auto lease and paying off the car after the lease ends.
Any input would be appreciated.
Our credit score is about 760+ to 810.
(Please do not copy & paste answers from some other Yahoo members.)
I'm not concerning the price of the car at this point, I'd like to know HOW THE AUTO LEASE VS AUTO LOAN WOULD AFFECT THE MORTGAGE RATES.
Thanks.
Resolved Question: Where can I find data on auto loan default rates? ?
I'm looking to open a finance company and need to find data on default rates based on consumer criteria in order to build the lending criteria (i.e. credit score, time on job, down payment, etc.)
Resolved Question: Why do so many here keep harping that the "bailout" is some gift to the rich?
Huh? Do you not bother reading what the "bailout" consists of?
First off, the government (NOT THE BANKS) forced the banks to lower their lending standards due to recent tweaks to the Democrat-sponsored Community Reinvestment Act of 1998. This causes a temporary boon for the "rich" as the lower class run out to buy 10 times the house they can afford.
Second, the banks have to write off tens of billions in bad loans that they were forced to give or face unrealistic penalties from the government, and the companies begin to tank. This causes massive losses the the "rich" as the assets of the companies tank.
Third, the government BUYS mortgages (and now apparently credit card and auto loans which I can't believe) from the banks at a discount to face value (asset value) and will reap the benefits the government as home prices rise in the future. This is at best a wash for the "rich" as they unload risky assets (they all won't default) but they lose value on the loan as they only get paid asset value, not face value.
Lastly, the government gives judged the authority to realign loans to lower, more affordable interest rates for those that are facing forclosure. This MASSIVELY benefits the speculators, those that can't manage their finances, those that bought above their means, and those that should've never owned a home in the first place, in other words THE LOWER CLASS, not the "rich".
So in the end, the middle class gets screwed with any possible losses (but won't recieve tax relief when any profits are realized, that's for sure) while the only ones that benefit are the morons that tried to beat the system, can't read a mortgage application (and were "handed" a bad loan according to Hillary Clinton) and people that just don't feel like paying their bills.
How you come to the conclusion that this is some bailout for the "rich" (other than the typical blind Bush rage) is beyond me. It's clearly a bailout of the incompentent, something we should get used to if Obama wins the Presidency. "Government encouraged neighborliness" is just around the corner.
"after all, no-one's 'bailing out' people who lost their houses through making a long series of bad decisions and poor choices."
This is precisely what is happening. I should stop paying my mortgage so I can bailed out too! Oh, wait, I have pride in myself and I'm responsible enough to make responsible decisions and take responsibility for them. This is a HUGE bailout of the incompetent, not Wall Street.
Resolved Question: Can auto dlr legally sell and finance motorcycle to obvious mentally ill person?
Motorcycle dlr sold unit to mentally disabled person on social security. Person went to take the Suzuki bike back and dealer sold him ANOTHER one--a Yamaha, without taking the 1st one back even! Now person has 2 units financed by 2 companies and pymts due next week.....where can he get help....how can I help him.....need to undo both loans......person has been disabled since age 17 and is now 44....mental incapacity is obvious problem---dealer took complete advantage of person......Also, dealer already has "F" rating with BBB and finance co, "HSBC" has already been sued and lost for predatory lending.....Now what??? Thanks for any help/advice.....
Resolved Question: I just started working in US and no i have no credit history. Can i get an auto loan showing my salary?
I am earning good amount to pay back monthly for the total sum i need. I need like 6-7K financing. Can i get an auto loan with not high interest rate anywhere?
Voting Question: What stafford loan lender would be the best?
Sallie Mae Education Trust 802218 Effective for loans guaranteed on or after June 9, 2008
0.25% Interest Rate Reduction for automatic debit
Nelnet 833669 0.25% interest rate reduction for borrowers who make payments using our auto-debit process.
KeyBank 811025 Zero Default Fee
.25% interest rate reduction for direct debit payments from any checking or savings account
Interest is only capitalized once at the time of repayment
Easy online application with e-Signature feature
PNC 809402 0 Default Fees with participating guarantors
.25% interest rate reduction for auto debit from ANY bank account
SunTrust Bank 820564 Effective for loans disbursed on or after June 9, 2008:
0.25% interest rate reduction for borrowers who sign up for ACH
Easy online application process and e-signature option
Fixed Interest Rate - 6.0% for subsidized undergraduate and 6.8% for unsubsidized
24/7 Online account access
No pre-payment penalties
Flexible repayment options
Wachovia Education Finance 830005 Effective for all loans disbursed on or after July, 1 2008:
0.25% interest rate reduction for ACH
No pre-payment penalties
Flexible repayment options
Free “Money Smart” financial literacy program on line
Free Checking, Savings, ATM cards
AMS 833067 Effective for loans guaranteed on or after June 9, 2008:
0.25% Interest Rate Reduction for automatic debit
Voting Question: What would the auto finance rate be for poor FICO?
What rate can I negotiate?
Resolved Question: How do I loan-shop at credit unions?
I'm 19 years old, I've had a job for 3 years, and I have a "very good" credit score (742). The only thing that's giving me a hard time is that I only have a year of credit history. I've gotten denied by my bank and an auto finance company offered me a ridiculous 10% rate. I got it down to 8.04% but I'm still convinced I can do better. Most of my friends and co-workers say I should "try a credit union."
My question is, how do I "try a credit union?" In order for me to get a quote from them, I must first join. This means I gotta fill out all the paperwork and put money into accounts. Now, let's say I do all that and they either deny me or give me a crappy rate. That's ridiculous. Then I gotta remove the money and close my account.
What I'm saying is, it's a bit cumbersome to join a credit union just to view a loan rate that I may or may not like. Also, how can I find out which are the best credit unions to join in my area (and which offer the best loan rates)? I don't want to join a shady union and I don't want every tom, dick, and harry to have my name, address, and social security number. Thanks.
Resolved Question: How to get cheaper auto insurance rates?
Im a twenty y/o guy and my insurance is currently $178 a month for comprehensive coverage on my 01 Chevy Cavalier that I am financing. I have never been in an accident, and only have a total of 4 points against my license since I got a license 2 1/2 years ago. Only have one speeding ticket on my record, a 3 point violation for "Reasonable and prudent speed" as well as a 1 point violation for defective tail light. It just seems absolutely ridiculous to me that my insurance is twice my car payment.
Oh and my last ticket was a year ago, Sept/October of 07
I realize I don't have a spotless record, but i just think its insane to pay 50% of the total cost of my car annually, in insurance. I dont think one speeding ticket and a defective taillight make for that bad a driving record, I just hate the fact that I pay out the ass for insurance because other idiots cant keep from causing accidents. I also dont care too much about the "quality" of the insurance or the deductables, etc because especially with a cheaper insurance rate, I could afford to pay off my car easy if anything happened. I just need the coverage required by law until my financing is complete.
Resolved Question: getting out of an auto contract legal advice..sorry its so long?
Hi..I went to a car dealership about 2 weeks ago, I signed a contract but the dealer wasn't able to get me approved at the interest rate i signed for..he asked me if i could go to my credit union on my air force base to get myself approved...they approved me, but not for the full dollar amount of 15,000 dollars..I would still be 2,500 dollars short..i told the dealer and he stated that the dealership itself would loan me the other 2,500 to make up the difference..i was happy to hear this because my payments would still be the same as if i had got approved at our original terms because the credit union loan was less..so he told me i had to sign a paper allowing myself to seek my own financing and then go back to the credit union..i signed and went home.. later that night, I got a call form the dealer to come in and finish the deal..but now the dealer told me i will owe 20% interest on his loan of 2,500, plus 10% interest on the credit union loan of 13,000..i feel misled as the dealer and i never discussed there would be interest on his loan..but the paper he had me sign states that i am accepting responsibility to get my own financing and now it is my sole responsibility to get approved...i didnt know i was signing for that...he made me feel i had to sign it to seek financing from an outside source, but i think it was his way of trapping me....no one will finance me for the entire amount...but the dealer is expecting his money for the car...i just want to give him his car back...i have been dirving the car for 2 weeks but i feel so misled by this dealer..any possibility i can get out of this contract? thanks for your time
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