There are many ways to get car credit, two of them are HP financing and the other is Leasing or Personal Contract Purchase. When taking out a hire purchase (HP) agreement there is a large deposit to put down. This can be between twenty and fifty percent and the balance of the car’s cost is divided over the term of the HP agreement. When the agreement comes to an end the car belong to the driver. The car will of course be worth less than the original price because of depreciation. The other method of getting car credit is though leasing by way of a PCP agreement. This means you […]

Buy a new car! Buy a used car! Lease a car! Don’t buy a car — walk! Ride a bike! Oh boy. There’s definitely a lot of different opinions out there, aren’t there? One minute you think that you’re making all the right moves within your life, only to find that you might be only looking at part of the situation. No matter how you got to this point, you might be in the market for another car. If it’s not brand new, then it’s at least new to you. And that’s what really matters, right? Well, the truth is that you have choices. You can finance a new car, […]

Are you thinking about a car loan in the future? You’re definitely in the right place! We’re really crazy about car loans, but the truth is that you have to still go in and do your homework to really make sure that you’re making all of the right moves from start to finish. Yes, it’s tempting to just rush into getting a car loan, but the truth is that you’re going to end up making your life a lot harder than what it needs to be. It would be better in life to really make sure that you have things under control when it comes to such a major financial […]

Low interest! Car rebates! Cashback! Year end deals! The holiday season is in full swing now, so why shouldn’t the car dealerships get together to figure out how to part you from your money? It’s only natural — they’re going to want to make absolutely sure that they are able to get you in the door with enticing offers. If you have good credit, you’re going to be able to get a lot farther than someone with challenged credit. And these days, getting into a new car is easier as dealers realize that sometimes it’s better to accept someone with a little more credit risk than end up losing the […]

Car loan payments too high? Chances are good that it’s time to refinance your car. If you’re not sure what refinancing actually entails, you might think that it’s going to take too much time, or you’re going to have to do a lot of work for little reward. Nothing could be further from the case. You see, car refinancing just means that you’re going to be taking out a different loan that will take care of the original loan that you took out to get your car. This new loan will be at a lower interest rate, which means that you will have a much lower monthly payment than you […]

Car shopping should be exciting, but when you’re in the middle of so many decisions it can really feel like there’s no way that you’ll ever see the finish line. Now, does it really have to be that way? Of course not! You can definitely find the financing you need, along with the car of your dreams — it just might take a little more planning than you might expect. When you know that you need to get things done and you need a car to do it, time is definitely of the essence. You just need a system to work with, and some tools that can keep you in […]

The thrill of a new car can be hard to beat. Even if it’s not a completely new car, let’s face it — it’s new to you, so it still counts, right? You’re still going to be excited to drive it, and you’re still going to protect it well. However, if you’re not excited right now, it’s probably because it’s also dawned on you that if you really want to get a new car, then you will need to make sure that you get a car loan. In a perfect world, everyone would just have the extra cash to spare to get a car without getting a loan, but this […]

Dreaming about a new car? A lot of people all over the country want to get their hands on a new car. Their reasons vary. For some, getting a new car means that they will finally be able to achieve a higher level of independence. On the other hand, some people want to get a new car because their old car is really on its last legs. There’s no reason to live in fear of getting stranded on the road and not being able to actually get anything accomplished. Yet if you’ve just tried to apply for a car loan and gotten denied, you can really start feeling like the […]

The way you approach buying your car could mean the difference between owning a car you can afford and struggling to make the car payment each month. You don’t have to settle for the cheapest car on the lot in order to stay within your regular budget. You simply need to understand that you have several options that could save you money on your car in the end. Don’t Settle for the First Offer Car loans are competitive, just like any other purchase. Lending institutions are constantly changing their terms or offering special deals to entice customers to choose them when it is time to buy a new car. Make […]

Not many people can buy a car straight off the lot, but acting like you can gives you a better bargaining position when you purchase a used car from a dealer. Take this into account by getting a loan from a financial institution separate from the dealership instead of the financial institution found in the dealership. It is a better idea to get a financing option from a lending company instead of working out a loan through the car dealership. If you get your car loans through the dealership you can often be fleeced for numerous added charges and your monthly payments will be marked up as well. Having your […]