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Wednesday, October 2, 2013

Finding a Car Dealer in PA with No Money Down and Bad Credit



Finding a car dealer in Pennsylvania who will work with you if you have no money down and bad credit can be difficult but not impossible. Whether you live in Pittsburgh, Philadelphia, or Harrisburg, driving around town applying for auto loans can be a waste of time and money, especially if you have bad credit, since most dealers won’t want to work with you. There are options available to you, if you know where to look.

No Money Down Options

Yes, it is possible to get an auto loan with no money down. Companies such as AmeriCredit, Capital One, Condor Capital, Onyx, Tidewater, Well Fargo and WFS have partnered with dealers in our network to offer car loans with no money down. If you find yourself in a situation where you aren’t able to come up with a down payment, finding a dealership that works with one of these lenders will take away a lot of the hassle that comes from trying to obtain financing through a traditional lender.

Another way to obtain a no money down auto loan is by using your current vehicle as a trade in. Even a trade in worth $500 can help to lower your payments, and give you more options. Every little bit helps, and most dealers have experienced finance managers who can make your trade in go further.

Bad Credit Auto Financing in PA

Obtaining a subprime bad credit auto loan in Pennsylvania is easier than you think if you meet a few basic criteria:

  • At least 18 years old
  • U.S. citizen
  • One year with current employer
  • Regular employee making at least $1,500 a month
  • No repossessions in the last year unless included in bankruptcy
  • Any bankruptcies must be discharged, or you must obtain an order to incur additional debt in open Chapter 13 bankruptcy

As long as you meet these criteria you can get started today by applying for auto financing through goacetech.com’s network of lenders. Applying for online auto financing is safe, easy, and convenient. After submitting the application, you’ll hear back from a dealer in our network that can help you get into a great vehicle at an affordable price, and rebuild your credit at the same time

Wednesday, August 14, 2013

Save Big with Labor Day Car Deals



Labor Day marks the unofficial end of summer, and now is the perfect time to save big with new or used car deals. Here in the United States retailers take advantage of the long weekend to offer deals on everything, and car dealers are no exception. With 2014 models rolling in, most car dealerships are scrambling to get rid of 2013 models Labor Day Weekend.

By taking advantage of these deals you can quickly be on the road in a new or pre-owned vehicle that will get you to parades, picnics, and end of summer trips on Labor Day Weekend. If you have bad credit, no credit, or bankruptcy, you may think you won’t qualify for these deals. However, there are many options available for special finance auto loans, regardless of your credit situation.

The Best Labor Day Car Loan Options

Our network of lenders will find the best loan for your credit situation with options for new and used cars that can include:

  • No credit check loans
  • Flexible payment options
  • Longer loan terms
  • No money down auto loans
  • First time car buyer programs

We have helped thousands of people get approved for the auto loan they deserve, with financing they can afford. Let us help you too with an auto loan for a new or pre-owned automobile that fits your budget and needs. Our easy approval process lets you get into a new or used vehicle without having to drive all over town checking out the Labor Day Auto Sales and Deals.

Easy Online Financing

Get the financing you need by filling out our easy online application, whenever it’s convenient for you. We’ll process your information and contact you quickly with the loan options that best for your unique credit situation. Then you can visit our dealership to pick out a new or used car that won’t eat up all the money you labored so hard for.

Don’t miss out on the sizzling end of summer deals this Labor Day Weekend. By applying online today you can enjoy this last long weekend of summer in a new or pre-owned vehicle, and celebrate the economic and social contributions of workers. You’ll also be ready for the beginning of football season, pumpkin and apple picking, and taking the kids trick-or-treating. 

Monday, August 5, 2013

No Money Down Car Loans for Bad Credit



If you have bad credit, and no money available for a down payment, it may feel like getting a car loan is impossible. You’ve probably already applied for loans through traditional lenders, only to be rejected. The good news is that it is possible to obtain a no money down car loan, regardless of your credit problems.

Friday, July 26, 2013

This Parents Day Take Advantage of Auto Loan Specials



There are a number of ways you can enjoy the time being spent celebrating with your parents and family members here a couple of the following that you might be participating in:

Tuesday, June 11, 2013

New Vehicle vs. Used Vehicle Financing



Everyone wants to be the person in the neighborhood coming around the corner in that new car, but if you are worried about financing your vehicle and how much it is going to cost you, you may think about buying used or pre owned.

There are plenty of used luxury vehicles out there that could fulfill that everyday urge of the new car smell. We are going to compare a few points that you should keep in mind and think about when deciding which route to go in. Below we will take a look at the 3 main factors between new and used automobiles.

Sticker Price:
  • New cars are clearly going to cost more money depending on which makes and models you decide to go after but with that said you have the comfort of no previous owners. Manufactures warranty for as low as 3-years 36,000 miles to 10-years 100,000 miles.
  • With used cars there is still a very wide spectrum of price differences. A used car just two or three years old could average around three to five thousand dollars cheaper. However, you have to consider previous owners, and the possible mechanical problems the car could have. In most cases this is the idea choice for bad credit auto loans buyers. 
Depreciation:
  • Used cars have usually taken their biggest hit in depreciation before you have purchased it. Depending on how much driving you do, and how well you or the previous owners maintained the vehicle, your chance of positive equity is much higher.
  • New cars will average a depreciation of twenty to forty percent once you drive it off the lot. If you don’t plan on keeping your new car for longer than five years, you probably are not going to have much equity, if any at all, when you sell or decide to trade it in.
Financing:
  • Interest rates for newer autos are generally lower depending on your overall credit score. In some case thought financing the latest automobile can be more difficult if you have bad credit. Dealerships offer more rebates and incentives on new cars.
  • Again, depending on your credit score, used cars are going to have higher interest rates with less rebate and incentive options. However, with the lower price point, used cars could prove to be a cheaper auto loan option. Lenders are more forgiving to bad credit vehicle buyers with used cars. 

So regardless of the choice that a bad credit auto buyer makes or where they are located for example in Greenville SC  there is a, another cost that you will have to figure in when deciding to purchase a brand new or second-hand vehicle is going to be auto insurance. While insurance companies are going to have different price points based off the miles, make and model, other factors such as your driving record will also play a determining role in your insurance rates. After considering these important points and doing your necessary research, you should be in a great position to decide which option is best for you and your situation.




Thursday, May 23, 2013

Memorial Day Auto Sales Is A Great Time To Go Car Shopping

Memorial Day Auto Sales Is A Great Time To Go Car Shopping

While many people will be traveling out of town for Memorial Day this year, car buyers everywhere should be aware of the deals they can find this weekend at local participating dealerships. Memorial Day Auto Sales weekend has become the kick start of spring for many around the country, and what better way to start your spring time holiday off than buying the vehicle you have been saving up for?

Wednesday, May 22, 2013

An Upside To Rebuilding Credit With A Bad Credit Auto Loan



Often time people are misguided to think that credit cards can be the best option to rebuild their credit. When you think about why most people have bad credit scores, one of the main reasons that come to mind, are credit cards.

So why is it that many people think they could change their habits with the snap of a finger or by opening a third or fourth credit card? In most cases this tends to be more trouble overall.

What are the advantages of a credit card?
-          If used correct they can help to establish credit
-          They allow the chance to purchase with credit
-          In the case of an emergency they can be a source for payment

When rebuilding your credit score, there are many more options than most people think. Just a few of those ways are, unsecured or secured credit cards, personal loans, auto loans for bad credit and getting a better handle of your finances. No matter the option that you decide to choose, you still have to make a monetary structure change. So a budget plan is most likely needed, it helps to keep things organized.

Interest Rates Can Be Higher While Rebuilding Credit Status

Credit cards tend to have annual fees along with monthly interest rates. The only way to lower interest rates on a credit card is by opening another card with a lower rate, or transferring your balance to a lower APR card. When talking about lower rates or payments on bad credit auto loans, this can be handled by refinancing your auto loan. This would be the best option and can be discussed at the dealership you initially went through for your personal bad credit auto loans. No matter the types of items on your credit report there are ways to go. You must decide for yourself which options are going to be most valuable to you.

An auto loan is more than a way to rebuild your credit; it is an investment in your financial future. Auto financing is a form of installment credit. The borrower agrees to make set payments each month, which tend to be a higher amount than credit cards. A car can be traded or resold with the hopes of making money after completely paid off.

With prompt payments, and extra care for the vehicle, you can start repairing your credit and hold positive equity with this investment. A bad credit car loan is your next step to the nice car you want, a lower interest rate, and most importantly, building your credit score. At first it may seem as though you are throwing extra money away in interest, however, the benefits are worth the extra money you will be spending in the end.