Auto Loans for The Car of Your Dreams汽车贷款轿车梦你

When it comes time to buy a new car, few have little choice but to get an auto loan.说到时间购买新车,很少不得不拿到汽车贷款. This can be a daunting task but armed with the right information, you can keep yourself from getting trapped into an auto loan that can end up being a burden in more ways than one.这是一项艰巨的任务,但可以配备信息的权利,你可以把自己陷入了汽车消费贷款,从现在到年底可以被不止一个包袱. Knowing what you want and what you can realistically get before you apply for a car loan means you control a situation that easily gets out of control for those who choose to walk into an auto loan unprepared.你知道你想要什么,然后你能得到切实申请汽车贷款手段控制了局势,你很容易失控那些选择走入汽车贷款措手不及.

Know Your Credit Score知道你的信用得分

Check Online Auto Loan Rates在线自动检查贷款利率

When it’s time to finance a vehicle, don’t rely exclusively on the dealership for an auto loan.什么时候融资工具,不单靠一个汽车经销商的贷款. The 0% financing they offer is only for ‘qualified buyers’, which a majority of us aren’t.0%,只是为他们提供融资的资格买方,其中大多数都没有. Not only is your bank or credit union probably a better choice for a car loan but there are some very reputable sources such as This Car Loan Provider for online auto loans that also have really great rates.不仅是你的银行或信用合作社可能更好的选择汽车贷款,但有一些非常著名来源,如这个汽车贷款提供网上汽车贷款利率,也真伟大. Online lenders not only tend to have better loan rates but the loans are easier to apply for.网上放款不但往往有更好的贷款利率,但贷款容易申请. You can also find ‘car loan calculator’ tools online that will help you figure out what car payments will be with different interest rates.你也可以找'汽车贷款计算器的工具,可以帮你上网搞清楚轿车将支付不同的利率. Then you can see for yourself what the auto loan is truly going to cost you at different interest rates.然后你可以亲身体验到真正的汽车贷款费用你在不同的利率. Knowing what you can afford will help you pick out the car loan that is right for you and keep you from being swindled into an auto loan you can’t afford!你知道什么可以帮助你找出适合你的汽车贷款,并把你从被诈骗汽车贷款成为你不起!

Applying for an Auto Loan申请汽车贷款

Despite ads and dealerships that guarantee approval for auto loans, it is widely advised that any one person with a credit score of 600 or under should wait to apply for an auto loan until they can up their score to around 680 in order to get good (or at least better) interest rates.广告商表示,尽管汽车贷款担保审批、人们普遍表示,任何一个人或一个信用评分600等待下一次申请汽车贷款,直到他们可以自己得分为680左右得很好(或者至少更好)利率. All credit card balances need to be in good standing and the longer you have been at your current residence, the better.所有信用卡余额须在声望和耽搁已在贵现住地、越好. The same goes for being with an employer.同样被同一个雇主. All these things will make lenders more comfortable with providing you with an auto loan.这些东西会令你放款提供更舒适的汽车贷款. Upon receiving your credit report from the credit agencies, make sure all information in the report is correct and remove any mistakes or discrepancies by contacting the creditor who made the error.接到你从信贷机构的信用报告,做到所有信息的报告是正确的,消除任何错误或偏差债权人联络犯了过失. Doing this will improve your credit score and increase your chances for getting a decent auto loan with decent rates.你这样做会改善信用得分机会,增加你摸象样汽车贷款利率不错.

Applying for Auto Loans with Bad Credit申请汽车贷款不良信用

Banks, credit unions and other loan resources make their money from the interest rates on the auto loan.银行、信用社贷款及其他资源,使他们的钱来自于汽车贷款利率. As far as they see it, the lower the credit score, the higher the risk that the loan will not be repaid.据他们看,降低信用评分较高的风险,贷款不会归还. The higher the risk, the higher the interest rates.高风险高利率. While some dealerships may offer a lower monthly payment for your car loan than your bank, this usually has to do with the number of months that the auto loan will be for.有的经销商每月可提供较低的贷款比你行你的车,这通常都是有多少个,汽车贷款将供. The longer the term of the loan, the lower the payments will be.长期贷款,金额会降低. However, depending on the interest rates of the car loan, this can mean you end up paying more for the car in the long run.但是,这取决于利率的汽车贷款、这意味着你能付出更多的车底的长远发展. Try not to focus so much on getting a low monthly payment; that way, 4 years down the road you won’t still be paying off a car loan and owing more than the car is worth!尽量不要集中这么多越低,每月支付;这样,4年后,你仍是不会支付汽车贷款、由于汽车的价值比! You may also be asked to get someone with better credit to co-sign for your auto loan.你也可以找更好的信用要求共同签署您汽车贷款. This is a risky move.这是险棋. Many do not want to co-sign for a loan when it is common knowledge that the co-signer can be held responsible for payments should the loan be defaulted on.许多不想互相签订了贷款时,这已是人所共知的合作签字可以负责支付被拖欠的贷款应. The best bet for not-so-good credit is really an online lender .最佳的并不怎么好,实在是网上信用贷款.

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