Bad credit car loans no credit no money down used car loans http://www.cardownloan.com used cars bad credit car loans Tue, 07 Feb 2012 18:17:54 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 Ally auto loan financing How to finance a car with Ally Bank http://www.cardownloan.com/2012/02/ally-auto-loan-financing-how-to-finance-a-car-with-ally-bank/ http://www.cardownloan.com/2012/02/ally-auto-loan-financing-how-to-finance-a-car-with-ally-bank/#comments Tue, 07 Feb 2012 03:21:44 +0000 admin http://www.cardownloan.com/?p=3934 Ally, formerly known as GMAC, was the financial arm of GM auto loans before the financial crisis which started in 2008. Currently, the auto finance unit is very profitable. The company handled $478 million in auto lending in the 4th quarter of 2011.

Ranked No. 1 overall auto lender in U.S. with 7 percent market share, the company has a 2 percent repossession rate, with a 1.90 percent of loan contracts 30 to 60 days late or delinquent.

In December of 2008, Ally limited its financing to car buyers with a FICO score of 621 down from 700 a few months earlier, catering mainly to those above sub prime status as characterize by the Credit Bureau.

In July, 2011 Ally Bank pursued a new strategy to increase the percentage of used car auto loans origination to 50 percent, up from 20 percent. To accomplish this goal, the company began accepting non prime, or sub prime loans (500 to 679 credit score) for customers who demonstrated a strong ability to pay.

According to data from the Experian credit bureau, used car APR can be many points above that of new vehicles. Subprime borrowing adds a few more points.

On average, loans to used car subprime buyers are higher than 9 percent, in comparison to 5 percent or less for used car buyers that are credit worthy.

In the first quarter of 2011 used car buyers had an average FICO score of 663, while new car buyers had scores of 766. The average used car loan was around the price of most certified used vehicles: $16,636 with monthly payments of $343 and a loan term of 58 months

Ally offers special financing for GM brand family vehicles: Buick, Cadillac, Chevrolet, and GMC; Chrysler Group brand family vehicles: Chrysler, Dodge, Jeep®, and Ram; Maserati, Saab, and Suzuki vehicles. Car buyers can have a certified used 2000 – 2005 GM vehicle for about 3.9 APR with terms up to 60 months.

The company has a retail financing relationship with over 14,000 car dealers across the country.

Before you contact Ally for an auto loan, check your credit report. Credit scores give lenders an indication as to your creditworthiness and help set the tone for the negotiating process. Your credit score might be higher than you think. Studies have shown that about 72 percent of car shoppers fail to check their credit report.

Check your credit report for mistakes. You may be thinking that you have poor credit, but by address errors on your report and by paying bills on time, you could dramatically improve your creditworthiness.

Also, make sure you are prepared to purchase a vehicle priced within your budget. A good rule to follow: your monthly car payment should not exceed 15-20 percent of your monthly take-home pay.

If you are wondering if ALLY will finance car buyers with poor credit, no credit history or other financing terms and conditions call: 1-877-247-ALLY(2559)

]]> http://www.cardownloan.com/2012/02/ally-auto-loan-financing-how-to-finance-a-car-with-ally-bank/feed/ 0 Getting a Car Loan on a Disability Check with no Job http://www.cardownloan.com/2012/02/getting-a-car-loan-on-a-disability-check-with-no-job/ http://www.cardownloan.com/2012/02/getting-a-car-loan-on-a-disability-check-with-no-job/#comments Sun, 05 Feb 2012 23:33:28 +0000 admin http://www.cardownloan.com/?p=3925 Whether your credit score is 400, 500, 650 or above, getting a car loan primarily depends on your source of income, how steady is your income, and how much money you receive monthly. Therefore, it is not impossible for someone to be qualified for a car loan while receiving disability.

Before you are qualified for a car loan, the car dealership or lender will conduct a credit check to determine your credit worthiness. If the lender gather that you are in a not too bad of a credit situation, say sub prime, averaging about 550 to 610, then they will take the next step towards financing.

They will check your budget to determine whether your income far out paste your expenses. If after all your monthly expenses you are left with about $500 to $650 and the vehicle you are requesting is within the $10,000 range they will move on to the next step.

The lender might ask you some questions about your disability. Is it a permanent situation? Did you receive disability status while being active in the military? These questions will help the lender understand how stable is your disability income and help him / her to frame a financing deal appropriate to your financial capabilities.

If your credit is not at least of sub prime level, that means, if your credit is really bad, then you should consider having a co signer such as a spouse or parent with good credit sign for your loan.

A co signer with good FICO score can help reduce interest rates on car loan dramatically.

If you can afford it put a down payment on the vehicle. A deposit is always a good way of reducing both the APR and length of the loan. Good luck!

]]> http://www.cardownloan.com/2012/02/getting-a-car-loan-on-a-disability-check-with-no-job/feed/ 0 How to use your w2 as a down payment on auto loan http://www.cardownloan.com/2012/02/how-to-use-your-w2-as-a-down-payment-on-auto-loan/ http://www.cardownloan.com/2012/02/how-to-use-your-w2-as-a-down-payment-on-auto-loan/#comments Sat, 04 Feb 2012 01:04:52 +0000 admin http://www.cardownloan.com/?p=3913 This is the time of the year when companies are issuing 1099′s and W2′s and the average American anticipates a decent tax refund from which they could pay bills, purchase a vehicle, put a down payment on a mortgage loan, or just take care of the necessary things in life.

Whether you live in York, Nebraska – Detroit, Michigan – Baton Rouge, Louisiana – Seattle, Washington, north, south, east or west of the country the financial set backs are the same and most Americans look forward with earnest anticipation for a decent amount of money from filing their W2 tax statement this year. There are signs that the economy is improving – something to sigh about.

To use your W2 as a down payment for an auto loan, you must first ensure that the car dealership or salesman is trustworthy.

Between January 1st and April 15th, there are many car dealers who would partner with tax accountant or tax refund firms to help people file their taxes with the intent of using all or a partial amount of their refund as deposit.

Here are some advice to consider:

  1. If you do not yet have a W2, then a pay stub can be used. You will have to file a Leave and Earning Statements (LES) with the IRS.
  2. Call the IRS Office (1-800-829-1040) if you have questions
  3. You should have a signed document indicating how much the dealership is allowed to remove as deposit
  4. Check your credit score to ensure you receive a good interest rate on the loan
  5. Get a second opinion on your tax return. H&R block started doing form 1040′s for free. AARP does free tax returns for low income tax payers in every city.
  6. Do not let the dealership select the car for you. Choose a vehicle that is affordable. A certified used vehicle would be best
  7. Take a loan with a term no longer than 48 months. The longer the term the higher the total loan amount.

Remember, if you maximize your tax return, then you can place a larger amount as a down payment. The larger your down payment, the less your monthly payments, the quicker you pay for the loan, the higher your FICO score goes and the possibility of you falling into an upside down situation is reduce

Some Dealers that accept W2 as down payment

Durrett Motor Company
5520 South Shaver
Houston, TX 77034
Phone: 713-941-5616

Patty Peck Honda
pattypeckhonda.com
Ridgeland, MS
Main Office
Phone: (888) 902-1166
Fax: (601) 707-0222

JD BYRIDER
Myra Borshoff Cook, APR
Borshoff
47 S. Pennsylvania St., Ste. 500
Indianapolis, IN 46204
317-631-6400

RK Chevrolet
At RK Chevrolet, you can use your W-2 for a down payment on a vehicle! RK can arrange a rapid refund on your taxes
2661 Virginia Beach Boulevard
Virginia Beach, Virginia 23452
757-486-2222

Family Auto Centers
At Family Auto Centers in Raleigh you can bring in your W-2 and drive home in a car
2919 Capital Blvd
Raleigh, NC 27604
RALEIGH – Glenwood Ave (919) 571-5081

CNAC
Take your last pay stub from 2011, or your W-2, and let a CNAC associate calculate your 2011 Tax Refund
855-CNAC-NOW.(855-262-2669)

]]> http://www.cardownloan.com/2012/02/how-to-use-your-w2-as-a-down-payment-on-auto-loan/feed/ 0 Is 18 percent interest really bad for a car loan http://www.cardownloan.com/2012/02/is-18-percent-interest-really-bad-for-a-car-loan/ http://www.cardownloan.com/2012/02/is-18-percent-interest-really-bad-for-a-car-loan/#comments Fri, 03 Feb 2012 02:00:13 +0000 admin http://www.cardownloan.com/?p=3905 The current APR on for a 36 months used car loan is 4.89%. This however, is reserved for car owners with prime and super prime credit score status – those with credit score above 681.

18 percent interest is very high. This is usually the APR assigned to very bad credit car buyers. Research has shown that sub prime and deep sub prime buyers pay interest of 14.29% and 17.65 respectively. In the auto loan financing industry there are many avenues.

A car buyer should not have to accept 18 percent interest from the first offer. There are banks like ALLY, Wells Fargo and Chase who cater to sub prime car buyers.

However your local credit union offer the lowest rate on auto loans. In fact, all credit unions loans are capped at 18 percent, so it is very unlikely that they will require this APR from you.

Better yet, submit a car loan application with us and let lenders compete for your business.

]]> http://www.cardownloan.com/2012/02/is-18-percent-interest-really-bad-for-a-car-loan/feed/ 0 $500 down payment as deposit on bad credit car loan http://www.cardownloan.com/2012/02/500-down-payment-as-deposit-on-bad-credit-car-loan/ http://www.cardownloan.com/2012/02/500-down-payment-as-deposit-on-bad-credit-car-loan/#comments Fri, 03 Feb 2012 01:32:44 +0000 admin http://www.cardownloan.com/?p=3902 A down payment on a car loan indicates to the lender that you are serious about paying for the loan. Most people feel that a reasonable down payment on a car loan is $500, others will offer $1000, $2000 or up to $3000 deposit depending on their financial situation, credit score and the requirements of the lender.

Whether you are buying a car in Kansas, Mo, North Mississippi, Orange County or Dallas, Texas putting a down payment on a car loan is advisable. A down payment lowers the principle on the loan and reduces you monthly payment, allowing you to pay off your loan on time, improve your credit score and avoid the possibility of an upside down loan.

In addition, some lenders and buy here pay here car dealers will reduce the interest rate on the loan when buyers are willing to put down a sizable deposit.

However, before you put down $500 on a new or used vehicle there are some documents you should look over first.

Check your credit report to see how bad your credit really is. About 79 percent of all credit reports has errors. If you discover errors on your credit report notify the companies involved to issue a correction. A few points difference in your credit score can result in hundreds, if not thousands of dollars in saving.

Make sure you have a current drivers license. Some dealers will sell cars without requiring a drivers license, but to be safe you should have one

Get your W2 and work history

If you are bringing someone to co-sign the loan remind them of the documents they will need, such as an SSN

If you are using your home as additional collateral or home equity line of credit, your mortgage document will be essential

Another option, is to let lenders compete for your business. By using cardownloan.com auto loan application car dealers will negotiate for your business

]]> http://www.cardownloan.com/2012/02/500-down-payment-as-deposit-on-bad-credit-car-loan/feed/ 0 Can you get a used car loan from a credit union with a low credit score http://www.cardownloan.com/2012/02/can-you-get-a-used-car-loan-from-a-credit-union-with-a-low-credit-score/ http://www.cardownloan.com/2012/02/can-you-get-a-used-car-loan-from-a-credit-union-with-a-low-credit-score/#comments Thu, 02 Feb 2012 11:46:33 +0000 admin http://www.cardownloan.com/?p=3873 Car loan interest rates at credit unions are normally lower than APR from banks regardless of your credit score.

While most banks have to answer to shareholders on Wall Street your community credit union does not. While banks like Regions and thrift deposits like New York Community Bank Corp are insured by the Federal Deposit Insurance Corp, credit unions deposits are insured by the National Credit Union Administration

Credit union has a cap of 18% on all loans interest rates. That means your car loan will never cost over 18 percent even with a very bad credit history. Because credit unions are community oriented you are more likely to have leverage in negotiating the interest rate on a car loan even if you have low credit score.

A $19,000 (principle + interest )car loan finance through a bank will cost you around $17,200 if that same loan was finance through a credit union.

Here is the latest quote from Pentagon Federal Credit Union for example

48 Mo Used Car 1.99 Good credit and membership required.
60 Mo Used Car 2.49 Good credit and membership required.
36 Mo Used Car 1.99 Good credit and membership required.

Advantages and disadvantages of banks and credit unions

]]> http://www.cardownloan.com/2012/02/can-you-get-a-used-car-loan-from-a-credit-union-with-a-low-credit-score/feed/ 0 Income based car lots in Jackson TN http://www.cardownloan.com/2012/02/income-based-car-lots-in-jackson-tn/ http://www.cardownloan.com/2012/02/income-based-car-lots-in-jackson-tn/#comments Thu, 02 Feb 2012 09:41:40 +0000 admin http://www.cardownloan.com/?p=3870 Looking for car lots in Jackson TN that will sell you a vehicle based on income? There are many dealership that will sell you a car based on your job situation, regardless of credit.

To quality for an income based car loan, you will have to prove that you have a steady job and that you receive a take home pay of at least $1500 a month.

In addition, you will have to demonstrate that your current budget reflects that your expenses are only 70% of your income. You will need a drivers license and ability to pay for auto insurance. If you can make at least a $500 down payment on the deal, this would influence the car lot owner to sell you the car with little hesitation

Car Loan & Auto Dealers Jackson, TN

Company: A Plus Motors Inc
Address: 1987 Highway 70 East Jackson Tennessee 38305
phone: (731)422-661

Company: Affordable Auto Mart
Address: 1415 South Highland Avenue Jackson Tennessee 38301
phone: (731)427-737

Company: Airways Motors
Address: 793 Airways Boulevard Jackson Tennessee 38301
phone: (731)423-859

Company: Alexander Motors
Address: 924 South Highland Avenue Jackson Tennessee 38301
phone: (731)423-052

Company: Auto America
Address: 163 Airways Boulevard Jackson Tennessee 38301
phone: (731)427-388

Company: Auto City USA
Address: 766 Vann Drive Jackson Tennessee 38305
phone: (731)664-811

Company: Bankston`s Auto Sales
Address: 909 Airways Boulevard Jackson Tennessee 38301
phone: (731)423-028

Company: Blankenship Used Cars and Body Shop
Address: 975 Ashport Road Jackson Tennessee 38305
phone: (731)668-460

Company: Britt BROS Auto Sales
Address: 771 Airways Boulevard Jackson Tennessee 38301
phone: (731)422-567

Company: Car Center Inc
Address: 1657 North Parkway Jackson Tennessee 38301
phone: (731)424-611

Company: Car Store
Address: 37 Bolivar Highway Jackson Tennessee 38301
phone: (731)423-031

Company: Country Motors
Address: 315 East College Street Jackson Tennessee 38301
phone: (731)424-500

Company: Crown Auto Sales
Address: 735 South Highland Avenue Jackson Tennessee 38301
phone: (731)427-044

Company: Downtown Auto Sales
Address: 423 Airways Boulevard Jackson Tennessee 38301
phone: (731)935-224

Company: Eastside Motors
Address: 312 Lexington Avenue Jackson Tennessee 38301
phone: (731)427-358

Company: Edwards Finance Company
Address: 801 South Highland Avenue Jackson Tennessee 38301
phone: (731)422-327

Company: F and B Auto Sales
Address: 138 Airways Boulevard Jackson Tennessee 38301
phone: (731)424-923

Company: Foster Brothers Auto Mart
Address: 742 Airways Boulevard Jackson Tennessee 38301
phone: (731)422-699

Company: Frazier`s Paging and Cellular
Address: 76 Old Hickory Boulevard East Suite C Jackson Tennessee 38305
phone: (731)424-877

Company: Freeman Motors
Address: 424 Airways Boulevard Jackson Tennessee 38301
phone: (731)422-649

Company: Gary Mathews of Jackson LLC Sales Department Used Car Super Center
Address: 1639 Highway 45 Bypass Jackson Tennessee 38305
phone: (731)664-074

Company: Gerald`s Auto Sales
Address: 774 Airways Boulevard Jackson Tennessee 38301
phone: (731)935-707

Company: Idealease
Address: 626 Airways Boulevard Jackson Tennessee 38301
phone: (731)422-341

Company: Jackson Auto Center
Address: 731 South Highland Avenue Jackson Tennessee 38301
phone: (731)423-233

Company: Jackson Motor CO
Address: 2625 North Highland Avenue Jackson Tennessee 38305
phone: (731)668-070

Company: Jerry`s Cars
Address: 918 South Highland Avenue Jackson Tennessee 38301
phone: (731)422-152

Company: Keith Hatchett Autoplex
Address: 720 S. Highland Avenue Jackson Tennessee 38301
phone: (731)422-999

Company: Kenworth of Tennessee
Address: 200 Kenworth Boulevard Jackson Tennessee 38305
phone: (731)423-121

Company: Malesus Auto Service
Address: 588 Bolivar Highway Jackson Tennessee 38301
phone: (731)427-500

Company: Marsh Steve Ford Inc
Address: 12415 South First Street Jackson Tennessee 38301
phone: (731)422-104

Company: Mazda of Jackson
Address: 721 South Highland Avenue Jackson Tennessee 38301
phone: (731)421-150

Company: Miller Automotive
Address: 1006 South Highland Avenue Jackson Tennessee 38301
phone: (731)427-979

Company: Millsaps Auto Sales
Address: 698 Airways Boulevard Jackson Tennessee 38301
phone: (731)424-373

Company: Motorsports Used Cars Inc
Address: 1056 South Highland Avenue Jackson Tennessee 38301
phone: (731)427-227

Company: Old Country Auto Sales Inc
Address: 514 Airways Boulevard Jackson Tennessee 38301
phone: (731)427-561

Company: Panther Oil Company
Address: 396 Airways Boulevard Jackson Tennessee 38301
phone: (731)421-469

Company: Pate`s Auto Sales
Address: 346 West Main Street Jackson Tennessee 38301
phone: (731)424-211

Company: Perry`s Used Auto Sale
Address: 520 East Lafayette Street Jackson Tennessee 38301
phone: (731)427-220

Company: Pirtle Jack Body Shop
Address: 1408 Highway 45 Bypass Jackson Tennessee 38305
phone: (731)668-380

Company: Powell Auto Sales
Address: 813 Airways Boulevard Jackson Tennessee 38301
phone: (731)427-133

Company: Professional Auto Sales
Address: 813 Old Hickory Boulevard Jackson Tennessee 38305
phone: (615)865-258

Company: Resneck Auto Sales
Address: 764 Airways Boulevard Jackson Tennessee 38301
phone: (731)422-238

Company: Riverhill Auto
Address: 570 Mifflin Road Jackson Tennessee 38301
phone: (731)421-277

Company: Robinson Toyota
Address: 1377 Us Highway 45 Byp Jackson Tennessee 38305
phone: (901)668-123

Company: Robinson Toyota
Address: 1377 Highway 45 Bypass Jackson Tennessee 38305
phone: (731)668-123

Company: Saturn of Jackson
Address: 531 Vann Drive Jackson Tennessee 38305
phone: (731)660-505

Company: Serra Chevrolet Chrysler Jeep
Address: 189 Stonebridge Boulevard Jackson Tennessee 38305
phone: (731)585-020

Company: Serra Chevrolet Of Jackson
Address: 189 Stonebridge Road Jackson Tennessee 38305
phone: (731)660-888

Company: Shappley Larry Auto Sales
Address: 729 South Highland Avenue Jackson Tennessee 38301
phone: (731)427-949

Company: Spring Creek Motor Body Shop and Sales
Address: 4025 Highway 70 East Jackson Tennessee 38305
phone: (731)424-879

Company: Super Auto Sales
Address: 85 Mifflin Road Jackson Tennessee 38301
phone: (731)423-074

Company: T and T Used Cars
Address: 831 Airways Boulevard Jackson Tennessee 38301
phone: (731)422-205

Company: Tempo Auto Sales
Address: 715 South Highland Avenue Jackson Tennessee 38301
phone: (731)423-547

Company: Thompson`s Auto Incorporated
Address: 1094 South Highland Avenue Jackson Tennessee 38301
phone: (731)427-482

Company: Thrifty Auto Sales
Address: 51 Commerce Center Boulevard Jackson Tennessee 38301
phone: (731)664-605

Company: Tri State Mack Distributors
Address: 2560 Bells Highway Jackson Tennessee 38305
phone: (731)664-186

Company: Under 200 Used Cars and Trucks
Address: 1465 Highway 45 Bypass Jackson Tennessee 38305
phone: (731)661-969

Company: Weekly Pay Auto Sales
Address: 1090 South Highland Avenue Jackson Tennessee 38301
phone: (731)423-282

Company: West Main Motors
Address: 436 Airways Boulevard Jackson Tennessee 38301
phone: (731)427-445

Company: West TN Auto Sales
Address: 1384 South Highland Avenue Jackson Tennessee 38301
phone: (731)423-038

Company: Wilson Dodge Dodge Trk
Address: 1623 US Highway 45 Byp Jackson Tennessee 38305
phone: (731)664-850

Company: Wood Motor Company
Address: 901 Old Hickory Boulevard Jackson Tennessee 38305
phone: (615)860-385

]]> http://www.cardownloan.com/2012/02/income-based-car-lots-in-jackson-tn/feed/ 0 Places to Trade Car For A Down Payment on loan In Macon GA http://www.cardownloan.com/2012/02/places-to-trade-car-for-a-down-payment-on-loan-in-macon-ga/ http://www.cardownloan.com/2012/02/places-to-trade-car-for-a-down-payment-on-loan-in-macon-ga/#comments Thu, 02 Feb 2012 02:29:23 +0000 admin http://www.cardownloan.com/?p=3866 Macon, GA car dealers are not that different from dealers across the country. Must car dealers will be willing to do a trade-in as a down payment on a car loan. The only car dealers that may be reluctant to oblige are those small mom and pop operation specializing in used vehicles.

Must of these operations purchase used cars from auctions across Georgia and do not have the expertise or financing flexibility to successfully deal with trade-ins. Trade-ins usually involves the expert assessment of a staff mechanic. The good news is that most car dealerships in Macon, GA will be forthcoming in accepting a trade-in as a down payment on a car loan

Car Loan & Auto Dealers Macon, GA

Company: 247 Auto Sales
Address: 4405 Pio Nono Avenue Macon Georgia 31206
phone: (478)785-837

Company: A and A Auto Rental
Address: 4508 Houston Avenue Macon Georgia 31206
phone: (478)781-911

Company: A To Z Enterprises
Address: 4575 Pio Nono Avenue Macon Georgia 31206
phone: (478)788-082

Company: American Auto Sales
Address: 3406 Joycliff Road Macon Georgia 31211
phone: (478)742-900

Company: Auto Help Inc
Address: 3306 Vineville Avenue Macon Georgia 31204
phone: (478)477-989

Company: Auto Market Professionals Inc
Address: 4406 Columbus Road Macon Georgia 31206
phone: (478)405-780

Company: Autoshine Used Cars
Address: 6750 Hawkinsville Road Macon Georgia 31216
phone: (478)788-375

Company: Autoworks Inc
Address: 3756 Napier Avenue Macon Georgia 31204
phone: (478)474-930

Company: B and J Auto Sales
Address: 6020 Hawkinsville Road Macon Georgia 31216
phone: (478)784-022

Company: B M W of Macon
Address: 111 Riverside Drive Macon Georgia 31201
phone: (478)757-700

Company: Barney A Smith Lincoln Mercury Inc
Address: 4785 Riverside Drive Macon Georgia 31210
phone: (478)477-505

Company: Bentley`s Auto Sales Inc
Address: 787 Cherry Street Macon Georgia 31201
phone: (478)742-884

Company: Branchar Motors
Address: 705 South Millerfield Road Macon Georgia 31217
phone: (478)745-781

Company: Buck`s Used Cars and Trucks
Address: 4435 Broadway Macon Georgia 31206
phone: (478)788-686

Company: Bud`s Auto Sales Inc
Address: 2848 Gray Highway Macon Georgia 31211
phone: (478)746-340

Company: Butler Lexus
Address: 3960 Riverside Drive Macon Georgia 31210
phone: (478)477-070

Company: Buttler Toyota CO
Address: 2122 Eisenhower Parkway Macon Georgia 31206
phone: (478)784-060

Company: Buy Rite Auto Sales
Address: 1904 Shurling Drive Macon Georgia 31211
phone: (478)464-006

Company: Carswell Cars
Address: 1474 Riverside Drive Macon Georgia 31201
phone: (478)743-224

Company: Central Suzuki
Address: Eisenhower Parkway A Macon Georgia 31201
phone: (478)781-737

Company: City Wide Auto Sales
Address: 2910 Pio Nono Avenue Macon Georgia 31206
phone: (478)781-888

Company: City Wide Auto Sales
Address: 4984 Mercer University Drive Macon Georgia 31210
phone: (478)757-005

Company: Classic Sales and Service Inc
Address: 6685 Forsyth Road Macon Georgia 31220
phone: (478)477-800

Company: Crooms Quality Cars
Address: 3870 Broadway Macon Georgia 31206
phone: (478)781-191

Company: Cross Auto Sales
Address: 404 North Missouri Street Macon Missouri 63552
phone: (660)385-552

Company: Eddie Peacock`s Recycling
Address: 4040 Lazy Lane Macon Georgia 31217
phone: (478)745-494

Company: Elite Motorcars of Macon Inc
Address: 3106 Hillcrest Avenue Macon Georgia 31204
phone: (478)744-966

Company: Ennis Motors
Address: 138 Spring Street Macon Georgia 31201
phone: (478)722-808

Company: ERS
Address: 110 Mulberry Street Macon Georgia 31201
phone: (478)742-822

Company: Eubanks Motors
Address: 2558 Pine Avenue Macon Georgia 31206
phone: (478)781-909

Company: Eubanks Motors
Address: 2601 Emery Highway Macon Georgia 31217
phone: (478)745-274

Company: Five Star Dodge Chrysler Jeep
Address: 3068 Riverside Drive Macon Georgia 31210
phone: (478)474-370

Company: FMC Auto Brokers
Address: 401 Cherry Street Macon Georgia 31201
phone: (478)742-743

Company: Foster Auto Sales
Address: 4380 Broadway Macon Georgia 31206
phone: (478)781-452

Company: Freedom Funding and Leasing Inc
Address: 3124 Broadway Macon Georgia 31206
phone: (478)788-858

Company: Freeway Auto Credit
Address: 4499 Broadway Macon Georgia 31206
phone: (478)781-058

Company: G T Cars
Address: 5082 Forsyth Road Macon Georgia 31210
phone: (478)476-052

Company: Garvin Auto Sales
Address: 1602 North Missouri Street Macon Missouri 63552
phone: (660)385-262

Company: Georgia Automotives Inc
Address: 4432 Columbus Road Macon Georgia 31206
phone: (478)471-118

Company: Georgia State Government Motor Vehicle Safety Department License Faci
Address: Central City Park Macon Georgia 31201
phone: (478)751-603

Company: H and H Auto Sales and Racing
Address: 707 South Missouri Street Macon Missouri 63552
phone: (660)385-171

Company: Hillside Motors
Address: 4724 Mount Pleasant Churc Macon Georgia 31216
phone: (478)781-088

Company: Holland Auto Sales
Address: 4350 Interstate Drive Macon Georgia 31210
phone: (478)757-989

Company: Houston Auto Sales
Address: 3609 Pio Nono Avenue Macon Georgia 31206
phone: (478)781-051

Company: HRM Auto Sales
Address: 572 Oglethorpe Street Macon Georgia 31201
phone: (478)745-150

Company: HRM Auto Sales
Address: 784 Gray Highway Macon Georgia 31211
phone: (478)746-022

Company: Image Motors
Address: 2950 McManus Road Macon Georgia 31220
phone: (478)474-500

Company: Import Auto Mall
Address: 592 2nd Street Macon Georgia 31201
phone: (478)746-325

Company: J BandL Auto Sales
Address: 4750 Houston Road Macon Georgia 31216
phone: (478)788-444

Company: J Franklin Auto Sales
Address: 2558 Riverside Drive Macon Georgia 31204
phone: (478)722-994

Company: Jackson Automotive Inc
Address: 4781 Riverside Drive Macon Georgia 31210
phone: (478)477-485

Company: Jackson Pontiac Parts Department
Address: 3010 Riverside Drive Macon Georgia 31210
phone: (478)474-104

Company: Kia Time Macon
Address: 1090 Riverside Dr Macon Georgia 31201
phone: (478)741-654

Company: M and T Tire and Exhaust
Address: 4690 Houston Avenue Macon Georgia 31206
phone: (478)781-447

Company: Mac Town Auto Sales
Address: 509 Missouri Macon Missouri 63552
phone: (660)385-443

Company: Macon Auto Deals
Address: 3695 Mercer University Drive Macon Georgia 31204
phone: (478)474-886

Company: Macon Deals
Address: 6344 Zebulon Road Macon Georgia 31220
phone: (478)471-699

Company: Macon Motor Cars LLC
Address: 2901 Joycliff Road Macon Georgia 31211
phone: (478)743-170

Company: Macon Motors
Address: 201 South Wall Street Macon Illinois 62544
phone: (217)764-541

Company: Metric Motors
Address: 2055 Mercer University Drive Macon Georgia 31204
phone: (478)743-288

Company: Midtown Auto Sales
Address: 2966 Riverside Drive Suite 105 Macon Georgia 31204
phone: (478)475-126

Company: Motorworks Auto Painting and Collision Center
Address: 935 Key Street Macon Georgia 31204
phone: (478)784-080

Company: Nalley Motor Trucks
Address: 1320 Guy Paine Road Macon Georgia 31206
phone: (478)784-564

Company: P and P Auto Sales and Service
Address: 3320 Houston Avenue Macon Georgia 31206
phone: (478)785-148

Company: Paul Walsh Nissan Inc
Address: 2066 Eisenhower Parkway Macon Georgia 31206
phone: (478)781-844

Company: Paul`s Auto Sales Inc
Address: 939 2nd Street Macon Georgia 31201
phone: (478)745-264

Company: Platinum Automotive Inc
Address: 4480 Riverside Drive Macon Georgia 31210
phone: (478)475-407

Company: Posey Bobby Equipment Sales
Address: 2453 Emery Highway Macon Georgia 31217
phone: (478)745-628

Company: Prestige Auto Accessories
Address: 3191 Mercer University Drive Macon Georgia 31204
phone: (478)744-982

Company: Queen`s Tim Auto Sales
Address: 1035 Triple Hill Drive Macon Georgia 31206
phone: (478)781-826

Company: R G M of Macon
Address: 7386 Hawkinsville Road Macon Georgia 31216
phone: (478)788-430

Company: Refferral Auto Sales
Address: 2584 Rocky Creek Road Macon Georgia 31206
phone: (478)781-651

Company: Riverside Auto Sales
Address: 1187 Riverside Drive Macon Georgia 31201
phone: (478)742-997

Company: Rocky`s Auto Sales
Address: 687 2nd Street Macon Georgia 31201
phone: (478)741-380

Company: Santana Sales Inc
Address: 4235 Broadway Macon Georgia 31206
phone: (478)785-958

Company: Southland Preowned Vehicles
Address: 15930 Highway 45 Macon Mississippi 39341
phone: (662)726-227

Company: Spires Auto Sales
Address: 4779 Pio Nono Avenue Macon Georgia 31206
phone: (478)788-597

Company: Street Rods Only
Address: 11091 Woodcock Road Macon Illinois 62544
phone: (217)764-383

Company: Sutton Acura
Address: 4796 Riverside Drive Macon Georgia 31210
phone: (478)471-687

Company: Sutton Motors Inc
Address: PO Box AT 63 Macon Missouri 63552
phone: (660)385-232

Company: Sutton Subaru
Address: 120 Tom Hill Sr Boulevard Macon Georgia 31210
phone: (478)471-687

Company: Track Enterprises Inc
Address: 650 North Woodcock Street Macon Illinois 62544
phone: (217)764-320

Company: Unlimited Auto Service
Address: 3595 Mercer University Drive Macon Georgia 31204
phone: (478)405-611

Company: Utopia Auto Sales and Service
Address: 1337 Broadway Macon Georgia 31201
phone: (478)746-353

Company: Vineville Used Cars
Address: 3140 Vineville Avenue Macon Georgia 31204
phone: (478)742-690

Company: Walsh Honda
Address: 2056 Eisenhower Parkway Macon Georgia 31206
phone: (478)788-451

Company: Youmans Chevrolet Co
Address: 2020 Riverside Dr Macon Georgia 31204
phone: (478)746-202

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]]> http://www.cardownloan.com/2012/02/places-to-trade-car-for-a-down-payment-on-loan-in-macon-ga/feed/ 0 Down Payment Assistance For A Used or New Vehicle In GA http://www.cardownloan.com/2012/02/down-payment-assistance-for-a-used-or-new-vehicle-in-ga/ http://www.cardownloan.com/2012/02/down-payment-assistance-for-a-used-or-new-vehicle-in-ga/#comments Thu, 02 Feb 2012 00:38:32 +0000 admin http://www.cardownloan.com/?p=3861 A down payment on a car loan is define as the amount put down on the loan usually in the form of cash or a trade-in vehicle prior to purchase.

In Georgia (GA) or in any other state having a down payment on a car loan can significantly reduce your monthly loan payment.

Take for instance a car that cost $12,000 at an APR of 8 percent over 48 months, your monthly payment will be $292.96. If, however, you were to make a $2000 down payment your payments would have drop to $244.13 a month, a saving of $48.83 a month or $2343.84 over the cause of the loan.

If you credit score is not good, a down payment can be used to reduce the interest rate and improve your chances of getting a loan.

Many lenders will offer between $100 and $1,500 in down payment assistance.

Here are some possible rules for getting a down payment assistance

Requirements to pre-qualify
All you need is a checking account in good standing, a minimum income from a job, a working telephone, be at least 18 years old and a U.S. resident.

What happens after you apply
After submitting this application, we will search our database of lenders for a lender that is interesting in providing you with a loan. If we find a match we will forward your information to that lender. In most cases, you can complete the entire application process online without speaking to anyone or faxing in any documents.

What will be the terms of the borrowing agreement
The fee for a payday advance is typically 25%-30% of the amount borrowed. The exact amount will be disclosed in paper-work from the lender. Please review this paperwork before signing it. You will not be committed to a loan until you agree to the terms.

Is more than one loan possible?
Most lenders require that you pay each loan in full before you can get a new one.

What if I have bad credit or Bankruptcy issues?
You may still qualify for a loan with bad credit or even bankruptcy.

How much can I borrow?
You can borrow as little as $100 or as much as $1500.

How long until I get the money?
Assuming all the paperwork is completed and processed, you can typically expect to receive the money in your checking account the next business day. Please note that this is most lenders’ goal but actual time may be longer.

]]> http://www.cardownloan.com/2012/02/down-payment-assistance-for-a-used-or-new-vehicle-in-ga/feed/ 0 Bad Credit With Part Time Job And Need A Car http://www.cardownloan.com/2012/02/bad-credit-with-part-time-job-and-need-a-car/ http://www.cardownloan.com/2012/02/bad-credit-with-part-time-job-and-need-a-car/#comments Wed, 01 Feb 2012 22:21:33 +0000 admin http://www.cardownloan.com/?p=3857 Having bad credit can make it difficult for you to be qualified for a good interest on a car loan; having a part time job makes financing a little more delicate.

Your credit score reflect your risk level, or the amount of faith lenders will have in your ability to pay on time. Your job status, however, indicates to car dealerships and banks your ability to cover the loan over a period of time, which is generally 36 month to 60 loan period.

Nevertheless, you should not worry about getting a car loan with bad credit while having a part time job. There are avenues you can pursue and documents you can secure to obtain a quick car loan at a reasonable interest rate.

  1. Do not go to the dealer first. Dealers will often charge you very high interest rates
  2. Visit your local credit union. Car loan interest rates at credit union are usually lower than banks
  3. Get a copy of your credit report and at annualcreditreport.com. Check for errors and notify companies of redress if discrepancies are found
  4. Get someone to cosign the loan. A cosigner with good credit can help decrease the APR that you will pay
  5. Get pay stubs to indicate steady employment
  6. Get the manager at your workplace to vouch that you are a good worker and that you will be assigned more hours of work in the future
  7. Negotiate your car loan with the intent of paying a reasonable down payment
  8. Show proof of your ability to pay by presenting your monthly budget to the lender

Most car dealers only need you to prove that your monthly take home pay is about $1500.Therefore, a good take home pay will qualify you for a car loan even if you have bad credit

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