How to get a CAR LOAN? | How to get a car loan with BAD CREDIT? | How to get a car loan NO Credit
How to get a car loan in the salon in 2019
You will need
- car dealership, bank, amount of loan down payment
Go to the choice of credit with full responsibility. Do not buy a very expensive car, payments for which will be sensitive to your budget. Find out the interest rate and determine the loan term.
Before making a car loan you should pay attention to the following points. First you need to choose a suitable lending program. There is no need to hurry.
Carefully read all the conditions, because the new machine itself has a high cost, and when you make a car loan, the price will rise.
Very often, consultants in salons offer to issue interest-free car loans. Of course, this offer looks seductive. Nevertheless, it is better to prefer the classical scheme of crediting. An interest-free loan often turns out to be more expensive than a normal loan.
Only large car manufacturers can offer long installments for cars, but on the market such offers are very rare.
It is very good, when in a motor show there are representatives of different banks. You can find out about the products and make a comparison. You can take a loan directly from the car dealership. Perhaps it will be more profitable for you than a bank.
When making a loan at a car dealership, you need to specify who your lender will be. This is a very important point. If the bank gives money, he will ask about your credit history. The bank will transfer the loan information to the credit bureau.
If the credit is issued by a car dealership or a manufacturing company, they will not be so careful about checking your reputation as a borrower. The thing is that you need to pay for the CII services.
Read the documents carefully before signing. All unfamiliar and incomprehensible language needs to be clarified. You should not sign the document if the consultant says that "this is how they wrote it, but everything is different ...". A loan agreement is a legally binding document. If you go to court because of some misunderstanding, what is written will be taken into account.And not what the consultant said in the cabin.
Making out a loan at a car dealership, pay attention to the item indicating the transfer of ownership. Best of all, if you immediately become the owner of a new car. In the meantime, the credit agreement is valid, the car will remain pledged.
The car dealerships offer another option - when the car remains the property of the salon until the end of the loan period. In this case, your rights will be limited to power of attorney. This is not a very good option for a client of a car dealership, because the buyer will depend entirely on the circumstances and the integrity of the organization.
Video: 3 biggest mistakes when getting a car loan
Save Money on Your Car Loan by Selecting the right Bank or Financer
How to get a car loan WITHOUT getting screwed over
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