Perhaps you are in the market for a new vehicle. Many consumers
are always looking for a reliable car in order to get to work or
just get around in the city. There are a few options that you
can look at when thinking about purchasing a new or used car.
First of all the benefits of a new car include often a good
warranty, no previous owner, you can get all the bells and
whistles in the car. However you are also paying top price for a
The benefits associated with a used car include often it is
bought at a much better price than new. The depreciation has
already occurred and just as reliable as any other vehicle. New
car financing is advantageous depending if you are going to
lease or keep your vehicle. Leasing a car or truck, rather than
buying it, can be a good option for some people. If you lease,
your monthly payments will be smaller than if you financed the
purchase of the vehicle. But leasing requires some important
contractual obligations, so it isn't right for everyone. It is
wise to check with your accountant what option is most favorable
People with bad credit pay higher auto loan interest rates. Do
not apply for a new car loan until you get your credit report
WITH credit score, that way you can determine what sort of
credit risk that you are. Usually low APR rates like 0% or 1.9%
are offered to few people with perfect credit, on new car loans
typically 12 to 36 months. You either get the low car loan APR
or rebate, not both. Calculate which is cheaper. It may be
better to take a large rebate over the 0% APR new car financing.
Compare to online auto loan rates. Pay off your auto loan early,
saving on interest. Applying the rebate and using your own
low-interest financing often gets you greater savings.
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