Credit « Easy Auto Loans – buyer applications

September 28, 2010

Whats the process of auto loan settlement?

Filed under: Credit — Tags: Auto Loan, Auto Payments, Finance Company, Loan Settlement, Lump Sum, Settlement Proposal — @ 2:41 am

kap asked:

I have been behind on my auto payments and have negotiated a settlement with my finance company to pay a lump sum for the title on the vehicle. If my settlement proposal is accepted, what steps do I need to take to:
1. Make sure that the lump sum paid to settle the loan will not just be applied to back balance due on the vehicle.
2. What contract if any can I come up with to protect myself from any further responsibility on the loan.

Chad

Comments (2)

September 19, 2010

How can i get a Auto loan?

Filed under: Credit — Tags: Auto Loan, Auto Loans, Knowlege — @ 6:33 am

K R asked:

I want to know if anyone has some good info on companys that Give auto loans. Im trying to get one but am not sure on how or where to go?
any one who has knowlege or have done this please let me know?

Mike

Comments (5)

September 17, 2010

How often is refinancing an auto loan acceptable?

Filed under: Credit — Tags: Auto Loan, Refinancing Loan, Score — @ 2:02 am

rmcgeelsu asked:

I just refinanced my auto loan 2 months ago from 22% to 18%, I think i can get a better rate now. Should I do it or would this hurt my credit? thanks for the help… score went from 590 to 655 now in two months!! (after 1 year of hard work!!)

Alvin

Comments (1)

September 16, 2010

auto loans in ohio?

Filed under: Credit — Tags: Auto Loan, Auto Loans, Ohio Loan — @ 2:59 am

john t asked:

auto loan.com

Anne

Comments (0)

September 11, 2010

Finance charges on auto loans ?

Filed under: Credit — Tags: Auto Loans, Finance Auto, Finance Charges — @ 5:15 pm

staybr00tal asked:

Hi, how much are finance charges (the fee you pay the bank when you take out a loan on a car, not the down payment) typically?
I live in southern NY, if that affects it.

Delores

Comments (2)

Why would my auto finance company check my credit report months after I was approved for the loan?

Filed under: Credit — Tags: Auto Care, Auto Check, Auto Credit, Auto Finance, Auto Loan, Auto Report, Credit Card Companies, Credit Report, Creditors, Current, Finance Company, Fixed Interest, Fixed Rate, Interest Rate, Interest Rates — @ 9:32 am

John G asked:

I can understand why credit card companies do this. They check my report periodically to see if I’m eligible for credit line increases, and also may raise interest rates if negative information appears. The auto loan is a fixed interest rate. I am current on my auto loan. Why would they care if I am current with my other creditors?

Lawrence

Comments (4)

August 22, 2010

Is there a possiblity for a person on SSDI to obtain an auto loan?

Filed under: Credit — Tags: Auto Loan, Disability Check, Lenders, Possiblity, Ssdi — @ 11:21 pm

Nancy G asked:

Can a person who is disabled and on SSDI able to obtain an auto loan? Do you know of any lenders that would accept an application from someone who does not work but gets a monthly disability check?

Ricky

Comments (4)

August 20, 2010

When applying for an auto loan is it worse to claim you’re a business owner?

Filed under: Credit — Tags: Acceptable Proof, Auto Loan, Business Owner, Business Owners, Check Stubs, Lenders, Proof Of Employment, Strict Policies, Tax Returns — @ 2:27 am

Fashion♥ista asked:

If you own a business, is it better to apply as a business owner or as an “employee” of the company when applying for an auto loan?

I am aware that some lenders have very strict policies for business owners, so is it better to just apply and list your company’s name as your employer? Are pay check stubs acceptable proof of employment or do they usually require tax returns?

Frank

Comments (5)

August 6, 2010

bad credit auto loans?

Filed under: Credit — Tags: Auto Loan, Bad Credit Auto Loans, Bad Loans, Collections, Credit Auto Loans, Credit Loans, Credit Rating, Decent Deal, Decent Money, Interest Rate, Lump Sum, Personal Loan, Shape — @ 12:08 am

Batman asked:

A couple years ago I had a personal loan go to collections. A relatively small amount $4000. I’ve been trying to work with the collection company to pay of the debt, but they’re basically saying I have to pay them a lump sum or go to court, and I can only afford to make smaller monthly payments, so this has just been sitting out their killing my credit rating for a few years.

I make decent money so i’m sure i can get the thing payed off, but it will take a few years with all the other bills i have to pay on top of it.
Unfortunately though my car is breaking down on me, and I really have no choice, but to get another one.

I’m going to have to find someone who will give me an auto loan to do that though and with my credit in the shape it’s in i don’t know what my options are. Any suggestions on how to get a decent deal on an auto loan when your credit isn’t very good. I’m sure i can find one, but it’ll probably be for an outragous interest rate.

Troy

Comments (4)

July 31, 2010

Bad credit auto loans?

Filed under: Credit — Tags: Auto Loan, Bad Credit Auto Loans, Bad Loans, Credit Auto Loans, Credit Loans, Decent Car, Houston Texas, Job, No Co Signer, Proof Of Employment, Transportation System — @ 6:10 pm

Willah S asked:

I’m a student and kinda stuck in getting a auto loan. Basically, I need a car to get to work, to get a car I need a auto loan, to get a auto loan I need a job (to show the proof of employment). So, how am I suppose to get a auto loan with a bad credit, no co-signer and no employment? I would really appreciate any help!!!
I live on campus and the transportation system here sucks (Houston, Texas). It’s next to impossible to get a job on-campus because it’s very competitive. I’m trying my best to get some kind of loan to get a decent car. Thanks for your responses though!

Paul

Comments (6)

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