Top 10 Mistakes when Buying a Car Seat

There is no doubt that a good quality car seat is one of the most important purchases the parent of an infant or toddler can make. A properly installed car seat can be a real life saver in a crash. In addition, a car seat can keep the baby comfortable and happy on those long road trips.

Unfortunately, there are some common mistakes parents make when buying these important safety items. Listed below are some of the most frequently seen mistakes made when buying and installing a car seat.

1. Buying a car seat that is difficult to install - Proper installation is the most important part of buying a good car seat. Inspections of car seats reveal that the majority of car seats are installed improperly. Car seats that come with incomplete or poorly worded instructions, or those that are overly complicated to install, can be dangerous.

2. Buying a car seat that does not properly fit your vehicle. Most car seats are designed to fit most models of newer cars, but owners of older or more exotic cars may have problems fitting car seats properly. If you are unsure if the seat you chose will fit your car, be sure to check with the auto dealer.

3. Not looking for the seal of the Federal Motor Vehicle Safety Standard. Parents should only buy car seats that meet or exceed this federal standard.

4. Buying a car seat that is too small for your baby - All car seats carry a maximum height and weight rating. Be sure to buy a car seat that provide room to grow.
Tip! Make sure you buy during a time when very few are likely to buy that product. Christmas is a good time for buying cars.

5. Choosing a car seat that is not compatible with your car's seat belt. Not all car seats are compatible with all styles of seat belts. If you are unsure what type of car seat you need, be sure to consult with the manufacturer.

6. Not ensuring that the car seat fits the baby properly. Particularly with larger car seats, a small baby could accidentally slip out of the seat. It is important that infants one year of age and younger ride only in a rear facing car seat. Only after the baby is older than one year and weighs between 20 or 40 pounds should he or she be switched to a front facing seat.
Tip! Visit RoadBusters for more information and help on buying cars, or just come along to chat.

7. Not checking for safety recalls. There are a number of safety recalls on car seats every year, and it is important to check for recalls on the model car seat you are considering.

8. Not choosing the fabric carefully - It is important to choose a fabric that is machine washable. In addition, a cloth upholstered seat is often more comfortable for the baby.
Tip! If you are new at buying cars, don't get intimidated.Have a firm goal.

9. Not buying a car seat as part of a travel system - It is possible to buy a car seat that is part of a three part travel system. That means that the car seat, infant carrier and stroller are all integrated into one handy unit. This combination is often a more convenient and cost effective solution than buying the items separately.

10. Buying a car seat that is poorly made - Poor construction may be the biggest problem with some car seats. Be sure to check the quality of the car seat, watching especially for any sharp edges or loose parts.

Linda, mother of two is an inspired author of the http://www.baby-strollers-guide.com and the http://www.baby-product-guides.com

Things To Consider When Buying A Car Seat

As a parent one of the most important things you have to buy for your child is a car seat. Important in this case meaning it has to be safe and fit the type of car you have. Most car seats today will fit almost all the newer model cars but if you are driving an older vehicle it may not be the case. Regardless if you are to drive with your child in a car, it is the law that the child is in a car seat.

Most of the things you purchase for your child can actually be bought used which is great when it comes to saving you money but unfortunately most people will tell you that the car seat should be the one thing to buy brand new. The reason for this is that you can never know if something has ever happened to that seat and the smallest crack in it can be very dangerous if you are in an accident as well as any damage to the belts.

Before actually buying a car seat there are things you should know to look for and be aware of, you do not just go out and buy one for looks. The purpose of a car seat is to keep your precious child safe in an accident which may otherwise be deadly. A car seat is not a fashion statement; it is about saving your child's life.

Here are some ideas on what to be aware of and look for as you go to find a safe car seat. Remember it is all about safety, not vanity. Proper installation is the most important part of buying a good car seat. Inspections of car seats reveal that the majority of car seats are installed improperly. Car seats which come with bad instructions and that are to complicated to install can be very dangerous.

Do not buy a car seat that does not properly fit your vehicle. Especially if you have an older model car and are uncertain if the car seat will fit your car, be sure to check with the auto dealer.

Make sure to look for the seal of the Federal Motor Vehicle Safety Standard. Parents should only buy car seats that meet or exceed this federal standard.

Do not buy a car seat that is too small for your child, give him room to grow. All seats carry a rating for maximum height and weight.

Not all car seats are compatible with all styles of seat belts. If you are unsure what type of car seat you need, be sure to consult with the manufacturer.

There are a number of safety recalls on car seats every year, and it is important to check for recalls on the model car seat you are considering.

Watch the quality of the car seat, check for lose parts and sharp edges.

David Crowton is an established expert copywriter. He is known for doing in-depth research before writing his articles.

http://www.Ispjv.com http://www.Submitcontent.com

Copyright 2005 http://www.ParentingContent.com

Cost of Buying a New Car

One of life's joys is buying a new car. The excitement of looking through those glossy brochures, choosing the brand, model, colour, plus the features is incredible. Ask most men and I'm sure they'll tell you it's one of the things they enjoy most in the world. And these days, with women reported to be involved in over 80% of all new car purchases, women are getting hooked fast on the pleasure of buying a new car. However, if there is one thing that can detract from the enjoyment of buying a new car, it is the finances of the whole deal. This is not just speaking about the price of the new car, although this can be considerable. There is also the issue of all the hidden, and not so hidden extras that you have to pay for. For example, before you finalise the price of the car, you have to find out what features come as standard, and if you want to have any additional features, be they for safety, power, style or any other reason, you have to make sure that you calculate the extra cost of them into the price of the car.
Tip! If you are new at buying cars, don't get intimidated.Have a firm goal.

Then, added to this is the delivery cost if there is one. Plus any other hidden dealer fees for whatever reason. Then you have to deal with financing charges. You may be one of the lucky people who can pay outright for their car, but most people will be using some style of financial product to cover the purchase price of the car. Either they'll be leasing it from the dealer, or they'll be relying on the dealer's financing offers, or maybe you will have arranged a separate loan from your bank or other lender. Frequently there will be associated costs with the financing package and they should not be overlooked when calculating the cost of the car.
Tip! Make sure you buy during a time when very few are likely to buy that product. Christmas is a good time for buying cars.

Add to this the cost of road tax. Road tax is calculated based on the size of the engine of the car. Then you will also need insurance. You should make sure you shop around and get the best possible price for your car insurance. You can choose between different levels of coverage depending on whether you want your own car to be covered or just third parties.

By the time you have added all of these extra expenses on to the purchase price of the vehicle you will be closer to knowing the true cost of the car. Make sure you can afford this figure and your car buying experience will be far more enjoyable.

Joseph Kenny writes for the loan information sites http://www.selectloans.co.uk/ and also http://www.ukpersonalloanstore.co.uk. Select Loans have information and links to certain suppliers in the car loans section of the site.

Buying a Car the Easy Way

Getting a new car is sometimes as tricky as trying to learn to drive. First you would have to deal with the sales people who only care about disposing a car to get their commissions. Then you would also have to make sure that the car you have is not in a bad condition. At least when you learn to drive, you can just run over something and say that you are just learning to drive and the problems all over.

Here are some tips that you may want to think about to help you keep one step ahead of the sales person:

1. Keep your cool, don't act excited and have little know how. If they see that you are too excited to buy a car, you are in no mood to discuss other things. They will add some additional costs that you might not see because of your eagerness.
Tip! If you are new at buying cars, don't get intimidated.Have a firm goal.

2. Don't give cash deposit unless the car you want is in the car lot.

3. Try to avoid signing a purchase contract until you've seen the car or have test driven it. Also try to see the vehicle identification numbers in the purchase quote.

4. Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

5. If you are new at buying cars, don't get intimidated.Have a firm goal.

6. Try to get a price quote from Edmunds.com, Forddirect.com and carsdirect.com before going to a car dealer. This can be very beneficial because you'll know if the car dealer is just fooling you about his price or you can even bargain by saying that another dealer offers something lower.
Tip! For more information on the best Houston Used Car try visiting Car Buying For Idiots located at http://CarBuyingForIdiots.com where you will find valuable information on buying cars, buying used cars and other information.

7. Try not to talk about the monthly payments needed to be made. Instead just talk about the final price. Avoid this because they will lower the monthly payments but the actual cost will be increased.

8. If you are given low or zero interest there will be something else they take from you. Like they say, there is nothing free. They will lower the interest rates but they will add up lots of cost. You can only get low or zero interest rates if you are bale to get this from the factory and have amazing credit reports.

9. Don't be stressed out over your car lease.
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

John Mussi is the founder of Direct Online Loans who help homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

Useful Tips On Buying A New Or Used Car

Buying A New Car: A new car is second only to a home as the most expensive purchase many consumers make. That's why it's important to know how to make a smart deal. Think about what car model and options you want and how much you're willing to spend. Do some research. You'll be less likely to feel pressured into making a hasty or expensive decision at the showroom and more likely to get a better deal.Consider these suggestions:

Check publications at a library or bookshop, or on the Internet that discuss new car features and prices. These may provide information on the dealer's costs for specific models and options.

Shop around to get the best possible price by comparing models and prices in ads and at dealer showrooms. You also may want to contact car-buying services and broker-buying services to make comparisons.
Tip! Visit RoadBusters for more information and help on buying cars, or just come along to chat.

Plan to negotiate on price. Dealers may be willing to bargain on their profit margin. Usually, this is the difference between the manufacturer's suggested retail price (MSRP) and the invoice price. Because the price is a factor in the dealer's calculations regardless of whether you pay cash or finance your car — and also affects your monthly payments — negotiating the price can save you money.
Tip! If you are new at buying cars, don't get intimidated.Have a firm goal.

Consider ordering your new car if you don't see what you want on the dealer's lot. This may involve a delay, but cars on the lot may have options you don't want — and that can raise the price. However, dealers often want to sell their current inventory quickly, so you may be able to negotiate a good deal if an in-stock car meets your needs.

Trading in Your Old Car: Discuss the possibility of a trade-in only after you've negotiated the best possible price for your new car and after you've researched the value of your old car. Check the library for reference books or magazines that can tell you how much it is worth. This information may help you get a better price from the dealer. Though it may take longer to sell your car yourself, you generally will get more money than if you trade it in.
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

Buying A Used Car: Before you start shopping for a used car, do some homework. It may save you serious money. Consider driving habits, what the car will be used for, and your budget. Research models, options, costs, repair records, safety tests, and mileage through libraries, book stores, and web sites.

Before you buy a used car whether from a dealer or an individual: Examine the car using an inspection checklist. You can find checklists in magazines and books and on Internet sites that deal with used cars; Test drive the car under varied road conditions—on hills, highways, and in stop-and-go-traffic; Ask for the car's maintenance record from the owner, dealer, or repair shop; Hire a mechanic to inspect the car. Paying for the car: Most people do not realise that they have capital locked up in their property which could be used for buying that special car of their dreams.
Tip! For more information on the best Houston Used Car try visiting Car Buying For Idiots located at http://CarBuyingForIdiots.com where you will find valuable information on buying cars, buying used cars and other information.

Release the capital tied up in your home with a home owner loan. The loan can be used for any purpose, and is available to anyone who owns their home. Home loans can be used for any purpose such as, new car, home improvements, pay of store card or credit card debt and debt consolidation.

Home owner loans are available for practically any reason. One of the most common types of home owner loans on offer are debt consolidation loans where the objective is to reduce monthly outgoings to a more manageable amount. A UK Home Owner Loan is great if you want to raise a large amount; are having problems getting an unsecured loan; or have a poor credit history. Many lenders look more favourably on people who are home owners as this demonstrates a commitment to repay a large amount of money over a long period.

A UK Home Owner Loan is a cheap, low cost, loan secured on your UK home. It frees up the equity in your home for you to use on whatever you want.

You may freely reprint this article provided the author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

Car Finance Places You On The Top Gear While Buying A Car

Fast car on open roads. It is a perfect picture for any car enthusiast. But you have to go to your work and also drop your kids to school. This is the real picture for most of us. We need to save time when we don't have any. A typical individual has so many odd jobs to complete that a car can, without doubt, facilitate their accomplishment. Financing your car doesn't fit your idea of the way of buying your car; then probably you are still stuck with traditional car buying methods. Shed your inhibitions with regard for car financing because it undoubtedly keeps in mind your financial caliber before furnishing you with a car finance loan.

Car financing has taken a new spin with regard to providing investment for buying a car. So, how do you finance a car? If this question leaves you baffled, then you have to go a long way in the process of buying a car. The term ‘financing' in relation to buying a car connotes either rendering loan to buy the car or lease the car to you. You are probably concentrating on the former meaning. Many people are in favour of talking car finance from dealership for it seems like a convenient option. It seems easy; you select a car, fill out a credit application, and drive away with your car - all in a day's work. Car finance through dealership will give you car finance on weekends and even at nights when other banks and credit unions are closed.
Tip! Visit RoadBusters for more information and help on buying cars, or just come along to chat.

Seems convenient, isn't it? But there is a catch. The dealer will be certainly charging you more for your car finance. Usually car buyers are overcharged by 3% on their car finance. A great number of complaints about car financing are related to dealers. 0% APR is not only attractive but lures the buyers to acquire up car finance not meditating if it is feasible for them. There are very few people who can actually get a 0% APR. Thus car finance deals usually fall midway thereby making car finance experience an extremely distressing one. You are buying a new car and probably for the first time, you certainly want it to compliment your enthusiasm. There are few elementary things that need to be kept in mind before taking that crucial primeval step in car buying.
Tip! For more information on the best Houston Used Car try visiting Car Buying For Idiots located at http://CarBuyingForIdiots.com where you will find valuable information on buying cars, buying used cars and other information.

First and foremost in car buying and financing is checking your credit score before you apply for a car loan. Many people are unaware of the fact that they even have a credit score. You can expediently check your credit score online. So, if you have bad credit history then probably you will be paying more interest rate for your car finance. If your credit score drops below 550, then probably apply for new car finance is not such a good idea. First repair you credit score. Repairing credit score requires little effort, helps you repay your debt and retain your credit report. Online car finance companies can get you car finance loan even if your credit score is lower than required. Your car finance loan can get approved in minutes. Online car finance companies have revolutionized car finance procedure. With lowest online car finance rates, no application fees, or down payments car finance companies provide a formidable competition to car dealers. Car finance companies have set a standard for providing car finance that is worth opting for.
Tip! Make sure you buy during a time when very few are likely to buy that product. Christmas is a good time for buying cars.

70% of cars are obtained by some kind of financing. You can even finance a used car. The process is as effortless and undemanding as financing a new car. The essence to finding the right car finance is doing to research about your kind of car. Knowledge is power; you must be awake to this age old logic. When so much information frequently exists, then why not make use of it. Find out how much your car costs by comparing rates with local dealers. Very decisive, is cognizing how much, you can afford. Calculate, you monthly income and deduct your usual monthly expenditure to find out how much you can afford on a monthly basis. Compute carefully, otherwise you will find difficulty in repaying your car finance loan. And you definitely don't want to fool around with your repayment plan because a lot is at stake. You can seek free advice for your own car finance online through credit unions and loan institutions.
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

You are a car enthusiast, a car consumer, a just a person who needs a car you ought to drive the best car. And why not drive the best car, when you have access to the best car finance plans. Car financing is a transparent route that leads you to become a car owner. Car finance loans are usually short term loans ranging from 36 to 72 months. Shorter loan term imply, lower interest rates and will prove to be cheaper. You have been working hard to select the car you want; there is a fairly good chance that you would not have to work so hard for car finance. So, sit back relax and enjoy the ride.

After having herself gone through the ordeal of loan borrowing, Natasha Anderson understands the need for good quality loan advice. Her articles endeavor to provide you the wise counsel in the most elementary way for the benefit of the readers. She hopes that this will help them to locate the loan that beseems their expectations. She works for the UK secured loan web site http://www.ukfinanceworld.co.uk.To find a Secured or unsecured loan that best suits your needs visit http://www.ukfinanceworld.co.uk

Buying a Used Car

Before getting your own car, it pays to do some homework. Think about what you need, what the car will be used for, and your budget. Look in books and online and think about repair costs, safety tests, mileage etc.

All this research can save you some serious money and help you avoid being ripped off.

Once you've chosen the car you want, you have to decide how you are going to pay for it. You can pay the whole amount upfront or you can finance the purchase over time. If you do use financing, you should be aware that this increases the total cost of the car as you must pay for the car plus the credit.

Once you have decided on how much you can put down, you can look at the annual percentage rate (APR) of the loan and the length of the loan and see how much your monthly payments will be.

Generally speaking, the shorter the term of the loan, the higher the APR. If you are in your teens, cosigning with your parents will help you to get a better rate. You may also want to think about paying in cash for a less expensive car.

Dealer or Private Sale?

This is an important decision to make. If you buy from a dealer you will generally pay more. But you will benefit from knowing that if there is a problem you can return to the dealer to complain. Many dealers offer warranties and guarantee the quality of the car.
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

On the other hand, buying from an individual will offer less security as the car will generally be sold as is, which means you must bare the cost of any problems that later arise. You also cannot go back and complain to an individual if something they told you turns out to be untrue. That said, buying from an individual can often offer very good value.

First of all, they will not add a mark up on the price, which is what a dealer would do if he had bought it first. Also, if you bring along your own mechanic, or someone who knows about cars, you can have it checked out to make sure everything looks ok.
Tip! Make sure you buy during a time when very few are likely to buy that product. Christmas is a good time for buying cars.

Before you buy the car, make sure you examine it with an inspection checklist. Get a good test drive over varied road conditions and be sure to get the car's maintenance record. It is also worth having the car inspected by a mechanic if you have serious concerns about it.

Finally, before you buy, make sure you are ready to meet all the associated costs of having the car. These include insurance, fuel, maintenance and repairs.

Joseph Kenny is the webmaster of the loan information sites http://www.selectloans.co.uk/ and also http://www.ukpersonalloanstore.co.uk. Select Loans have information and links to certain suppliers in the car loans section of the site.

Buying a New Car? Should You Finance Through a Dealership?

Financing an auto loan through a dealership is quick and convenient. The dealership may have a relationship with a specific lender, or operate a "buy here, pay here" business. However, financing through the dealership may not present the best financing package. Smart car buyers put forth great effort to receive the best price and a reasonable interest rate. This may require securing your own financing.

Pro's and Con's of Dealership Financing

New car buyers may be unaware of their options. You do not have to obtain financing through the car dealership. Of course, the dealership will never reveal this information to you. By using their lenders, the dealership has the power to increase the interest rate in order to boost their profit.

For example, if the lending institution re-submitted a quote with an interest rate of 5%, the dealership may charge 7%. The best way to avoid this common practice is to secure your own financing, or compare rates from other auto loan lenders.

Get Pre-Approved for an Auto Loan

Getting pre-approved for an auto loan has several advantages. For starters, you are able to get quotes from several lenders, and then compare these quotes with the dealership's offer. Moreover, a pre-approval will make the car buying experience quick and easy. You already know your qualifying amount, thus you will not be pressured into buying a car you cannot afford.

How to Compare Lenders for an Auto Loan

Many car buyers avoid comparing rates and fees because they do not want to submit applications to several lenders. However, there is a way to obtain multiple rates without contacting each individual lender. Online auto loan brokers are the quickest and simplest way to receive multiple offers from various lenders.

Brokers work directly with hundreds of lenders. Upon submitting an application through a broker, your information will be forwarded to several lending institutions. These lenders will review your information and submit a quote. The broker will compile all quotes and remit this information for you to review. You should carefully compare quotes, and choose the lender that offers the best rate and terms. In some instances, the dealership may offer the best financing.

Here are our Recommended Car Loan Companies Online.

Carrie Reeder is the owner of ABC Loan Guide, an informational website about various types of loans.

Buying A Car - What Is The Best Finance?

Your car is one of the most expensive purchases you will ever make. Probably the only thing you will buy that costs more than your car is your house. You wouldn't just accept the first mortgage you came across, and likewise you shouldn't just accept the first vehicle financing option that comes your way. You will have a lot of options in how to finance your car. You can buy the car outright. If you would like to opt for this, you will need to borrow the cash in the form of a bank loan.

This should generally be medium term, over period of about two to five years. It is generally not advised that you secure borrowing over your home but this may be necessary in order to get the loan or in order to get a better rate. Shop around for the best rate, from banks, other lenders and also on the internet. Rates will vary widely so it is a good idea to shop around as much as possible.

Leasing

If buying the car outright in this manner is not an option, you may wish to consider leasing the car. Leasing will never make you the owner of the car. You pay a monthly fee, every month for the period of the lease, and at the end of this period, you give back the car and walk away. Leases have a number of advantages over buying the vehicle. The payments are generally lower as you are not paying for the entire value, just for the price of leasing it.

You also don't have to worry about selling the car when the leasing period is over, as the dealer owns it. Leases may also include a buying option at the end of the period, which will allow you to buy the car if you want to. The one thing to be careful about when leasing is that there may be heavy penalties for early termination.
Tip! Make sure you buy during a time when very few are likely to buy that product. Christmas is a good time for buying cars.

Some Advantages

The other popular type of vehicle financing is dealership financing. With this option, the car dealer arranges the car financing. They will sometimes offer very attractive rates as they want to encourage people to buy the cars, however, sometimes their rates are extremely bad and you will want to be familiar with what's available from alternative sources before opting for dealership financing. Some advantages of dealership financing will include convenience, multiple options, and special offers on selected models.
Tip! If you are new at buying cars, don't get intimidated.Have a firm goal.

Joseph Kenny is the webmaster of the loan information sites http://www.selectloans.co.uk/ and also http://www.ukpersonalloanstore.co.uk. Select Loans have information and links to certain suppliers in the car loans section of the site.

Which Loan Is Best When Buying A New Car?

Lenders understand that when buying a new or used car, getting the best interest rate for car loans can make a big difference to the amount you end up paying for the vehicle. There are basically two types of loans available; secured and unsecured car loans. If you are a homeowner, whether you own your home outright or are repaying a mortgage, you can apply for a secured loan. This means that you use your home as collateral or insurance for the loan and will generally enjoy lower interest rates than if you don't use your home as security. You'll also find that your loan will be approved faster and even though processing can take a little longer than for unsecured loans, the money you save on the lower rates is well worth it in the end. Just make sure that you are confident that you can keep up with the agreed monthly repayments because if you don't, you could be at risk of losing your home through repossession. Unsecured car loans are so called because the lender doesn't require any security for the debt. But in return for you not putting your home on the line you pay higher interest rates. Even though the lender is taking more of a risk, it is highly likely that if you don't repay the money borrowed, the lending company will take you to court and you could still lose your home. So make sure your monthly budget can comfortably afford the repayments. If you want low cost car loans then a good place to start is by comparing the APR from different lending companies. Because lenders quote interest rates in different ways it can be confusing so it is worth making sure you understand what you're being quoted so that you can choose the best deal. You will also find that some offer fixed rates (these are interest rates that remain fixed throughout the term of the loan, regardless of fluctuations in the bank base rate - your monthly repayments will remain constant for the term of the loan) and variable interest rates (these rise and fall with the bank base rate so you could find that your monthly payments go up and down during the term of the loan). Loan companies also offer typical interest rates as an indication of the rate you are likely to be offered but this can vary depending on your specific circumstances. These include the amount you want to borrow, whether or not you want secured or unsecured car loans and in the case of unsecured loans, your credit history and personal assessment by the lender. Loans are generally repayable on a monthly basis and the term of payment is agreed when the loan is taken out. Although a low interest rate is a good indication of a cheap loan, you should always make sure that you are aware of any additional costs, for example an early redemption penalty. This is the charge levied by the lender should you wish to repay the loan in full before the agreed term has run its course. This could be up to two months interest. If you think you may wish to pay off the loan before the end of the term then it may be wiser and cheaper for you to go for car loans with no early settlement costs even if you pay a slightly higher interest rate. For more information on the best loan for you and a competitive comparison of car loans and interest rates from leading lenders, all you need to do is approach a loans broker or loans comparison website, as they are not necessarily tied to one deal.

No Credit Car Loans - Buying Options for People with No Credit History

Occasionally, having no credit history can be as bad as having a poor credit history. Before granting credit, lenders need to gauge an applicant's creditworthiness. If you have no previous creditors, a prospective lender may consider you a high risk and either deny a credit application or offer a high interest rate. This applies to credit cards and automobile loans. Fortunately, there are many options available to those hoping to obtain a vehicle loan with no credit history.

Bad Credit and No Credit Auto Lenders

Automobile loans are different from other types of credit. If you have bad credit or no credit history, getting a credit card or personal loan is challenging. For the most part, these types of credits are unsecured. Hence, the creditor suffers a loss if you are unable to repay the money.

On the other hand, automobile loans are secured. Thus, some lenders specialize in bad credit or no credit car loans. In fact, auto loans are ideal for establishing credit or rebuilding credit. Unfortunately, if you have never financed a car, some lenders may charge higher fees. Here are a few tips to help you get a low rate auto loan.

Establish Credit before Applying for Auto Loan

The easiest way to get a low rate on an auto loan is to establish credit before applying. In some instances, lenders prefer applicants who have previously financed a vehicle. If you repaid a previous car loan, or maintained regular payments, lenders consider this a good sign. Hence, you may qualify for a low rate.
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

If you have a superb credit rating, you may qualify for super low advertised rates. Establishing a good credit history is easy. Within six months of opening a new account and making regular on-time payments, your credit score will soar.

Use a Co-signer When Applying for Auto Loan

An additional approach involves obtaining a vehicle loan with a co-debtor. If you are married, your spouse may act as a co-debtor. Moreover, young adults trying to get an auto loan may have a parent co-sign for the loan. To qualify for a low rate, the co-debtor must have good credit.
Tip! Make sure you buy during a time when very few are likely to buy that product. Christmas is a good time for buying cars.

View our recommended Poor Credit Car Loan lenders or view all of our Recommended Auto Finance Lenders Online.

Low Interest Rate New Car Loan - Tips for a Smooth Car Buying Experience

The car buying process varies for each person. If you have purchased or financed several vehicles, you likely know several tricks and techniques for securing a good deal. On the other hand, if you have never bought a new or used vehicle, you may fall victim to dealership scams. Here are a few tips to help make the car buying experience easier.

How Much Do You Want to Pay?

Before entering a showroom or dealership, do your research. What types of car do you want to buy? How much are you willing to pay monthly? Walking into a dealership blindly is a bad move. Car salesmen are very clever. Additionally, they have several tactics for convincing car buyers to purchase a vehicle they cannot afford.

To avoid overspending, research various cars and their prices. Take advantage of auto loan calculators. These provide a rough estimate of future car payments. When negotiating with a salesperson, let them know upfront how much you are willing to spend on monthly payments.

Check Your Credit Report Beforehand

When determining an interest rate for a new vehicle, finance companies will review your credit report. Prior to applying for a loan, obtain a copy of your personal report. This way, you have an idea of the interest rate you qualify for. Moreover, credit reports will reveal credit problems and inaccuracies that may hinder you from obtaining a low rate. If problems are present, fix credit blemishes before applying for a car loan.

In some instances, you may improve your credit by simply paying current creditors on time and reducing debt to income ratio. If possible, delay financing a vehicle until your credit score improves.

Get Pre-Approved for an Auto Loan

Dealership financing is offered. However, to get the best rate possible, you should obtain quotes from at least three auto loan lenders. If you are looking to speed up the process, consider getting pre-approved for an auto loan.
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A pre-approval involves completing a loan application and providing necessary documentations. The lender will approve you for a specific amount. This is ideal because you avoid overspending. In most cases, lenders approve you for an amount that fits comfortably into your budget.

View our recommended New Car Loan lenders.

Carrie Reeder owns ABC Loan Guide, an online resource with information about Bad Credit Mortgage lenders and Mortgage Brokers Online.

Instant Car Loans – Making the Car Buying Process Simple

Because of instant approval car loans, many people are enjoying a hassle-free car buying experience. Purchasing a new or used vehicle is a time of excitement and frustration. Pushy salesmen and dealerships have a habit of taking advantage of unsuspecting buyers. Additionally, the temptation to buy more than you can afford is a common problem. However, securing financing before entering a dealership showroom is a great way to take the hassle out of buying a car

Understanding Instant Car Loan Basics

New car buyers and those unfamiliar with car buying tactics may pay sticker price for a vehicle and accept dealership financing without shopping around. Unfortunately, dealerships prey on buyers of this sort. Prior to buying a car, it is essential to shop around and compare offers from various lenders. To avoid a dealership scam, you may consider getting approved for an auto loan before beginning your search.

The internet is loaded with auto loan lenders offering instant approval loans. With instant approvals, you receive a response immediately. The applications are easy to understand. Simply input basic information such as income, employer, desire amount, etc. Instant approvals work two ways. The lender may either approve a stated loan amount, or determine an affordable loan amount based on your income and debts.

How to Find a Lender that Offers Instant Approvals?

Various online auto lenders offer instant approvals. However, if you are hoping to compare several instant approval offers, use an auto loan broker. This is the easiest and simplest way to shop around for the best auto loan offer. Brokers are recognized for supplying multiple offers. Savvy shoppers know the benefits of this feature.
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By obtaining multiple offers, you are able to compare auto loan rates, terms, and services. Choosing the loan offer with the lowest rate will lower your car payment. Even if the dealership offers you a finance package, before accepting their offer, complete an online quote request. Dealerships tend to adjust auto loan rates to benefit their bottom line.

Completing the Car Loan Paperwork

After receiving the instant approval quotes, the next step involves choosing the auto loan lender with the best offer. If using a broker, you are obligated to complete an official loan application with the lender. Upon approval, the lender will deliver a check to you. Once you decide on a car, and negotiate a sales price, you simply sign the check over to the dealership, which completes the transaction.
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View our recommended instant car loan lenders online.

Also, go to Abc Loan Guide to order a credit report online, and view our recommended online debt reduction programs.

Buying a Car with Bad Credit – Where to Find a Good Lender

The best car loan lenders for those with bad credit can be found online. Relying on dealership financing will only lead you to higher rates and fees with limited options. By getting pre-approved for your car loan, you can shop anywhere for your new car. Even better, you save money on competitive rates.

Dealing With Bad Credit When Looking For A Car Loan

Bad credit will affect your options when looking for a car loan. With a score lower than 650, expect to pay a couple of points higher than "A" rated, prime car loans. The lower your score, the higher your rates.
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To offset the risk of your credit history and qualify for better rates, you can increase your down payment. A co-signer with an excellent credit score will also get you a lower rate.

But if you do decide on subprime financing, make sure you have the option to refinance with no fees. So when your credit score improves, you can lower your rates and your monthly payments.
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Sifting Through Car Loan Lenders

Searching online for your car loan lender will let you skip the trap of dealership financing, which can cost you thousands. Online, you have hundreds of options.

To make your search easy, start with recommended lenders. You can also work with a broker, who will give you multiple quotes from competing lenders. Often broker sites have special financing deals and incentives that can't be found on the individual lender's site.

When looking at lenders, ask for a personalized quote. Based on your general information, lenders will give you the total cost of the loan as the APR. To get a real idea of who has the best deal, compare the same loan amount and terms for each lender.
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

Sealing The Deal

Once you have selected a lender, you can complete the loan application in minutes online. A blank check and loan contract will be sent to you in one to two business days. You then take that check with you when you go car shopping.

The check is treated like cash at a dealership, improving your negotiating position. It also gives you the freedom to buy a car from a private individual, providing you with more choices.

With poor credit, you can get the lowest rates with the most options by searching for your lender online.

Carrie Reeder is the owner of http://www.abcloanguide.com. Visit her site to find recommended lenders for bad credit auto loans.

View her recommended lenders for bad credit auto loans online. Also, view her recommended sources for a free personal credit report.

A Low Cost Car Loan Will Help you in Buying Your Dream Car

Are you really fed up with your old car? Do you want to purchase a new car fitted with the latest technology? There are a variety of cars available in the market with eye-catching models and aerodynamic body frames. Some cars have electronic steering systems while some have power window. There are some models fitted with computers that guide you while driving and show you the correct path to your destination. So, if you want to buy any of these cars and you are running short of money availing a LOW COST CAR LOAN is a wise decision.

There are two options available to you to get a Low Cost Car Loan. You can either go for a Secured Low Cost Car Loan or you can choose an Unsecured Low Cost Car Loan. If you choose a secured car loan you'll be charged with low interest rate. The APR percentage will be low. Also, the monthly installments will be small and the loan repayment period will be flexible according to your suitability.
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On the other hand, an unsecured car loan will have a bit higher rate of interest. The monthly installments will be bigger unlike in the case of secured loans. This is because an unsecured loan is granted without any collateral whereas a secured loan is provided against collateral. The creditor is at greater risk while providing an unsecured loan but in case of a secured loan the borrower takes more risk.

A low cost car loan, whether secured or unsecured, is one that provides the borrower with lowest possible interest rate in the market. It also allows the borrower to choose smaller monthly installments and long repayment tenure. Even in case of unsecured car loan there are a number of lenders in the market who provide competitive interest rates to the borrowers.
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

With the advent of Internet and online shopping you can easily avail a low cost car loan via the Internet. This requires not much effort from your side, as you just have to fill up an online loan application form to apply for the loan. The lenders take responsibility of all the arrangements and formalities required in procuring the loan. So, if you need a low cost car loan don't wait anymore. Sit before your computer, find good creditor and fill up the form. Your loan is on its way to your bank account.

About The Author :The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Business Administration and is currently assisting Adverse-Credit-Car-Loans as a finance specialist.

For more information please visit:http://www.adverse-credit-car-loans.co.uk

Bad Credit Car Loans: Certainly Better Than Other Options Of Buying Car

In order to cater to the needs of special borrowers typically designed loans are made available by the modern lenders. A bad credit car loan is such kind of a loan. It is specially crafted for borrows whose credit score is less than perfect. Credit score varies from 300 to 850. If your credit score is below 600 then it is declared poor.

Previously a poor credit score was not acceptable in the loan market. Now a change in attitude has occurred and bad credit history has become an accepted reality. So, if you are looking for a car loan then do not be afraid of your bad credit score. You have specially crafted loan in the form of bad credit car loan to fulfil your needs. Your adverse credit record will not block the way of getting approval for this loan.

You can get approval for a bad credit car loan easily along with flexible terms if you can offer collateral. It is highly risky to take a loan by offering collateral. In case of default, the lender will seize the collateral. However, the perks and profits you can enjoy in return will justify the risk. Low rate, big amount, small repayment instalment, and an extended repayment period are the assurance of a secured bad credit car loan.
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An unsecured bad credit car loan is taken without offering collateral. It has also its share of benefits. It is risk free, and processed quickly because of less documentation. It also saves the amount of money spent on assessing the value of the collateral. The drawback is that it carries higher interest as it is risky for the lender. No matter in which way you take a bad credit car loan it will certainly be better than other means of buying a car.

The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Business Administration and is currently assisting Ecar-Loans as a finance specialist.

For more information please visit http://www.ecar-loans.co.uk

Buying a Car with a Home Equity Loan: An alternative to Bad Credit Car Loans?

Purchasing a Car with a Bad Credit Loan

If you have bad credit, the usual method for getting finance to buy a car is applying for a bad credit car loan. As stated at the beginning of this article it's somehow difficult to get finance with bad credit from car dealerships. Nevertheless, some car dealers may be able to provide you with finance but they will probably charge you very high interest rates.

Banks do not usually provide finance for people with bad credit but if your problem is that you don't have a credit history at all, starting a relationship with a bank can be a great solution. You can request a checking account and a savings account and then apply for a car loan with them.

Bad Credit Car Loans are provided mainly by financial institutions and high risk lenders specialized in this kind of loans. The interest rate charged for providing this type of loans is usually higher than regular loans but if you compare loan quotes you may find some interesting offers. Just make sure you credit report is not pulled too many times as this may lower your credit score. If you get declined, your credit report will also show this fact, so you might want to pull a copy of your credit report yourself and ask the lenders to pre-qualify you in order to avoid harmful records in your credit history.
Tip! Make sure you buy during a time when very few are likely to buy that product. Christmas is a good time for buying cars.

Home Equity Loans as an alternative source of finance

Though it may sound strange, you can get finance for purchasing a car with a home equity loan. If you can't get a bad credit car loan and use the car as collateral you may be able to apply for a home equity loan using the equity you've build on your home as collateral. That way, you'll be able to obtain a considerable amount of money at a good interest rate that you can use for the purchase of your new car.

They main advantage of this procedure is the fact that you can have really bad credit and still get approved since your house is guaranteeing the loan. You'll also get a very competitive interest rate, much lower than the interest rate you would get with a bad credit car loan. And as a plus, the interest on home equity loans is deductible so you'll save plenty on taxes.
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

As you can see, there is no need to despair if you have bad credit. There are always ways to obtain finance even if the usual methods fail. You just need to do your research and consider different options. The car of your dreams is just a few steps away.

Mary Wise, a professional consultant with twenty years in the financial field, helps people in the process of securing personal loans, mortgage, refinance or consolidation loans and preventing consumers from falling into the hands of fraudulent lenders. You can visit her site and get aid for Car Loans regardless of your credit. If the link doesn't work, just copy badcreditloanservices.com and paste it in your browser's address bar.