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Car Finance


How to buy a car with bad credit…Get a loan and then GET OUT of the loan!

how to buy a car with bad credit

If you’re one of the millions of Americans who have bad credit, it’s important to know that you still have options when trying to find money to buy a car.  You’re likely to pay a lot more in interest than a borrower with good credit, but you don’t have to be stuck in a bad […]

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What are the different roles of the people at a car dealership?

car-dealer-trade-in-pricing

Shopping for a car can be a daunting task. There’s the pressure of finding the right car, then you’ve got to negotiate the deal, and figure out how to pay for it all. So let’s eliminate one of the ‘pressure points’ by examining who works at the car dealership, and what their role is in […]

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Deciphering a vehicle history report

Thanks to computers and the internet, we have instant access to data. It would’ve taken weeks to obtain ownership information in the 1970’s. Letters would have to be written, file cabinets would cough up information, then typewriters would smudge out a response. All you really had to rely on back then was the seller’s word. […]

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What paperwork do you need to sell your car to a private party?

What paperwork do you need to sell your car to a private party?

Alright, it’s time to get rid of your old beater. Maybe the dealer didn’t offer you enough for trade in. Or maybe you just need some room in the driveway. Either way, selling a car yourself may allow you to get a higher price than trading in at the dealership. Stop!  Before you sell provide […]

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What Car Expenses Can I Deduct On My Taxes?

car expense deductions

According to the IRS, if you use your car in your business, you can deduct car expenses. If you use your car for both business and personal purposes, you must divide your expenses based on actual mileage. And commuting to your regular workplace is not considered business travel. What car expenses can you deduct? The […]

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Negotiating With Car Insurance Companies

Negotiating With Car Insurance Companies

You don’t have to wait until your insurance policy expires or you buy a new car to shop around for new auto insurance.   You can switch insurance providers at any time and they are required to refund a prorated amount based on premiums you paid for coverage past your your termination date. And when you […]

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Should You Make a Car Payment Using Your Credit Card?

car payment with credit card

Many people, when they have credit cards that offer rewards, want to put everything on their cards. This way, they reason, they can rack up the reward points faster. After all, $200 to $500 every month on your credit card starts to add up significantly over time. However, just because you can put your car […]

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7 Items You Must Bring When Buying a Car to Get the Best Deal in the Finance Office

In previous posts I’ve talked about what to bring when buying a car. And as I always mention, the most important item to bring with you to the Finance Office is a pre-negotiated deal for the price of the car. But once you arrive, there is still some negotiation to be done.  To truly get […]

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GAP car insurance, do you need it?

If you’re looking to save money when buying a car, consider not purchasing gap car insurance (also called gap protection).  Many websites (and of course the Finance Department at a car dealership) will try to scare you into thinking it’s a necessity, but I try to provide a more objective opinion. Salesmen will tell you […]

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Slash your monthly car payments in 10 minutes

Because of Europe’s debt crisis, interest rates are back down to record lows and a new wave of mortgage refinancing is occurring.  But what most people don’t realize is that those same low interest rates are available to refinance car loans.  Refinancing your auto loan is an often overlooked way to slash your car payment […]

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