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English Language Sputtering Online Like an Old Ford!
Sad, but true. Just about everywhere you look online, the English language is suffering a fate worse than death. The problem, in reality, is so widespread that it has begun to affect all aspects of the language. "But, what on Earth does this...
Phone VoIP Opens Up Unlimited Possibilities For The Future
Phone VoIP is a revolutionary technology that has gained tremendous attention from the industry as well as individual users over the last few years.It has changed the way people think about phone communications.By using the Internet as a medium...
Point Of Sale Systems: How to Choose a Dealer to Buy From
Given that a point of sale (POS) system is critical to your business, choosing a dealer to buy from is a very important decision. In some ways, the dealer is a more critical factor than the actual hardware and software. So how do you zero...
Volkswagen Passat with Nokia Blue Tooth Technology: VW Aftermarket and Replacement Parts
Volkswagen is the first automaker to offer its customers a factory-fitted automotive communication solution that supports the Bluetooth SIM Access Profile. The handset integration product provides compatibility with a wide range of mobile phones...
Why Radio Advertising Could Be The Best Thing You Ever Did For Your Business
In the marketing world, radio has earned the reputation of being the odd step-cousin. You know the one. No one knows quite what to do with him. Especially at family gatherings when everyone tries hard to avoid sitting with him. (After all, who...
 
Auto Loans : Top 5 Tips For The Best Rate

You've got your eye on that shiny new Lexus - okay, maybe it's a Kia, but it's perfect and you want it to be yours, all yours - as soon as possible. At the same time, you certainly don't want to be saddled with paying nearly double the car's value by the time you finish paying off the car loan. Here are five tips to help you get the best possible interest rate on an auto loan to put the car of your dreams in your driveway.

1. Check your credit rating.
If you don't already know what's in your credit report, this is a good time to find out. Before you apply for an auto loan, get a copy of your credit report to find out what surprises may be lurking in it. You may just find out that it contains erroneous information that should be corrected, or that there's something negative on it that can be either explained away or fixed easily with a couple of phone calls or letters. Either way, it always helps to know what the credit reporting agencies are saying about you before you start shopping around for a loan.

2. If you have good to excellent credit...
...then you may qualify for special incentive financing available through the car dealer. If the car dealer is offering a low, low finance rate, check all the terms and conditions carefully BEFOREHAND online to make sure that you qualify. Most often, that 1% financing rate is reserved for those who have excellent credit and can afford to do a 12 month financing plan. If that's you - then grab the deal. 1-2% financing is a bargain if you can handle the other terms and conditions attached.

3. If you need a longer term than 12


months or have spotty credit...
...arrange your financing yourself before setting foot on the car lot. Check with your usual bank for a new auto loan first, as they may have better interest rates for those who are already established customers, or who carry all their savings, checkings and loan accounts through one bank. It may save you a few percentage points in interest to do business with someone who already knows you.

4. Shop online for the best auto loan available.
At many online credit web sites, you can submit a request for multiple quotes from area finance agencies and lending firms. Simply submit your request for an auto loan quote through an online form, and the web site will submit it to up to four financing firms at once. A representative from each agency will contact you within a few hours to a day or two to discuss your request with you and give you a quote for an interest rate and monthly payment amount that they can offer you. Online shopping for credit makes it easy to compare and pick the best auto loan terms for you.

5. If your credit is bad but you need that car...
...one of your best and most often overlooked options is to find someone to cosign the loan for you. In most cases, when you have a cosigner, you'll get the interest rate that THEY qualify for, which means a lower monthly payment for you.

About the Author

Joseph Kenny is the webmaster of the loan information sites http://www.selectloans.co.uk/ and also http://www.ukpersonalloanstore.co.uk.

 

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Java Mobile Cell Phone Games - A220 Mission 1
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Java Mobile Cell Phone Games - Alien War
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