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 Drive away the car of your dreams
 By: Ria malhotra

  Everyone has a dream of buying car these days. It is in the human nature to want more and more than we need or can afford. There is always wide range of cars in the market and all offers high technology systems and handling better performance and longevity. Once you get a new car then you have to decide how will you be paying the monthly installments. There many car loans options available but sometimes it is difficult to choose the right for you. In fact car dealers or manufacturers offers car loans, often you will be paying more interest than you need to.

How much you spend on buying new car depends on your financial position or your credit reports. If you want to get your car financed then you need to know how much down payment you have and how much you can afford monthly installments.

No doubt paying cash for car loans saves interest, which you pay on car loans. There are number of good reasons for not paying cash. Because of the recent concerns about identity theft and Homeland Security issues, many dealers do not want to accept cash for a car. Some will not even accept bank or cashier’s checks. Of course, there may be hidden agenda in their refusals. In order to decide how much money to spend on your vehicle you need to evaluate how much you to want to borrow and how much you can afford monthly installments. Do not forget to take into consideration other vehicle’s running costs such as insurance, tax, servicing etc when deciding how much you have to spend, also get personal recommendations if you know anyone who owns the same type of vehicle that you are looking at. Once you are clear with the idea of the costs involved and how much you would like to borrow you can apply for car loan.

Shop Carefully
Before finalizing the car loan or finding right lender, get quotes from different banks, from the dealer and other lenders. If you have a saving account in a bank then your credit rating is good, then banker will offer you for a car loan. Only people of age 18 or above are eligible for applying for car loans. We all live in credit-based economy. For that reason our financial and credit worthiness becomes more and more important. If you have good credit reports then it will be easy to buy new car. Over the years, credit reporting agencies like trans union, experian and Equifax have developed a system of predicting your credit-worthiness based on your past payment history. Based on the score they give you, these agencies will recommend whether to give you credit or not to buy that car or home or to make you that loan. How timely you make your payments, pay your dues, Phone bills, electricity bills etc. tell your credit worthiness and you get final score by these credit reporting agencies. Once you apply for car loans, the lender or banker will go to one of these agencies for your score.
So what are you waiting for …Get car loan tips from http://www.carloanclues.com

About the author:
Ria malhotra writes for Car loans http://www.carloanclues.com.

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These property, finance, stock market & business articles have been supplied in the interest of Universal Wealth Creations visitors who want to expand their knowledge in the wealth creation & investment fields.  All the business, finance, stock market & business articles have not been read as they are submitted remotely, so if you find any questionable facts in here or simply do not like it, please email webmaster@universalwealthcreation.com and we will review the material. As we find time to do so, we will go through all articles and remove any that appear not suitable. Other sites we recommend here at Universal Wealth Creation are: 21st Century Academy with Jamie McIntyre, Investor Finance, Universal Trading Solutions which promotes great wealth creators like: Kim Reilly, Simon Martin, Justin Beeton, Louise Bedford, John Kaye, Daniel Kertcher & more. They run great seminars across the country. At times we will publish dates for these seminars as they are made available around the counrty. Meanwhile, there is a great opportunity to learn about the finance, stock market & property investment field through reading these kind of articles. Learn about share trading, options, futures, CFD's, derivatives, warrants, indices & more in the stock market. You will also learn plenty about business, finance & property investing through authors opinions in the marketplace.  Enjoy your journey towards financial freedom. We hope you will enjoy your visit.

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