Lenders Provide a Wealth of Auto Finance Alternatives
If you’re in the market to finance a new automobile, numerous lenders nationwide are currently competing for your business with a wealth of financing options at your disposal.
If you have excellent credit, the sky’s the limit in terms of how much financing you qualify for with interest rates that won’t cost you an arm and a leg. If your credit is good, you will likely qualify for most offers with competitive interest rates.
Before you choose an auto loan you should shop around for the best rates from direct lenders and then see if the auto dealership you plan to do business with has any comparable loans available.
Direct lenders are independent financial institutions that offer many different loan options. These include banks, credit unions and finance companies.
Many banks offer competitively priced consumer loans. Some banks also offer discounted loan rates to customers who have checking or savings accounts at these banks. If you’re eligible to join a local credit union you may qualify for even better deals on auto loans. Many credit unions are well known for offering low-priced loans for their members.
Finance companies are another excellent alternative. As many finance companies now finance exclusively online, their overhead costs are quite low. Low overhead costs for these companies can translate into lower interest rates for consumers.
If you’re approved for an auto loan make sure there is no obligation to take out the loan. Most lenders should be able to offer you a guaranteed loan rate that you can take or leave within a certain timeframe, such as a week.
You can save money at the dealership by having guaranteed financing before you even begin shopping for a new automobile. If the dealership knows you have guaranteed financing in hand, they’ll be more likely to negotiate with you in the hopes of making a quick sale.
Auto dealerships may also offer special financing for certain vehicles. Once you’ve successfully negotiated the price of the vehicle, ask if the dealership offers any special financing. The dealership may be able to offer you better financing terms than the guaranteed loan you walked in the door with.
You may also qualify for certain incentives including lower interest rate financing deals sponsored by the manufacturer.
Before you agree to receive any financing make sure you get a full disclosure in writing of all the fees, interest rate and any other terms and conditions that are associated with the loan. This way you can avoid any unpleasant financial surprises once you start paying off your loan.
Shopping around may take a little bit longer than simply going for the first auto loan you’re offered, but the savings will pay off and you’ll get a better deal in the long run. As an informed shopper, you’ll be a happier shopper.
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John Campbell is the writer and editor of CashBuzz, A financial portal for the rest of us. Check out cashbuzz.com for the latest articles on money management and tips and tricks that can help improve your finances. This article may be reprinted on your Web site if the copyright, author information and active link are included.
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August 22nd, 2008
Baby Products - Essential Baby Products, Which Ones Do I Really Need?
There are many essential baby products a new parent must purchase. Cribs, car seats, baby monitors, baby strollers, high chairs and clothing are all necessary to ensure your child�s safety and comfort. However, there are many baby products out there that are not worth wasting your money on, but are marketed to parents as being vital for a baby�s growth and development. Parents always want the best for their child and therefore purchase these items that do not serve a great function. This guide reveals the important baby products a parent must obtain to properly care for their child.
Baby Strollers
The baby stroller is an item every parent must have for his or her child. Before you purchase a stroller, however, consider how you are going to use it and the money you are willing to spend. This makes the process of buying a stroller much easier. There are many types of strollers to choose from including: full-size, mid-size, lightweight, umbrella, jogger, double and triple baby strollers. Parents who do a lot walking should consider purchasing a full or mid size stroller, while active parents are better suited for the jogger stroller. Lightweight and umbrella strollers are appropriate for parents who travel around frequently because they are easy to stow away. Finally, double and triple strollers are made for parents who need to transport two or three young children in one stroller.
Baby Cribs
Babies spend the majority of their time in the crib. Therefore, every parent should invest a significant amount of energy in selecting a safe baby crib and mattress. Safe baby cribs must always have adjustable sides, the space between the crib bars must not exceed 2 and 3/8 of an inch, and the crib must be sturdy. The crib mattress has to be firm and fit properly into the crib because the baby can suffocate if this protocol is not followed. Baby bedding ought to be kept to a minimum�one cotton fitted bed sheet and a light blanket will suffice. Never place pillows, toys or heavy blankets in your child�s crib.
Baby Car Seats
A baby car seat is one of the essential baby products to purchase for your new child. The car seat protects the child against injury in the event of an accident. There are three main types of car seats available:
- Rearward-facing infant car seats
- Forward-facing baby car seats
- Booster car seats
The rearward facing baby car seats are used mostly for infants who do not exceed 29 pounds to support their neck, back and spine. The forward-facing car seats are perfect for children between 20 and 40 pounds and should be secured with a tether strap on the car frame. Lastly, booster seats are made for children who can no longer fit into a normal child car seat. The booster seat basically lifts the child so they can use a regular seat belt properly. In addition, always remember all child car seats must be placed in the rear of the car away from airbags.
Baby High Chairs
A high chair is one of the baby products a parent doesn�t need right after the infant arrives home from the hospital. Although, once your child can independently sit upright a baby high chair becomes a necessity at mealtimes. Wooden, conventional, adjustable and booster high chairs are just some of the styles on the market. Regardless of the model you choose make sure your highchair has the following features:
- The high chair must have two support straps�one should be around the waist and the other must be between the child�s legs.
- All baby high chairs must have trays that lock firmly into the chair.
- The legs of the high chair should be spaced apart in order to properly anchor it to the ground and prevent tipping.
Baby Clothes
Baby clothes are one of the obvious baby products a parent must buy. Keep in mind when shopping for clothes to purchase outfits that are functional for you and the baby. For instance, try to choose clothes that are not complicated to get off come changing time. Also, purchase clothing that is appropriate for the season your child is going to be born in. This step prevents you from buying clothing that is not necessary for your baby�s immediate needs. When selecting baby clothes hand me downs are a good way to go because babies grow at such a rapid pace. Hand me downs save you a lot of money and usually come in very good condition. Never buy second hand clothing that is worn out because it could potentially rip posing a safety hazard to your baby.
Baby Monitors
Baby monitors help parents keep a watchful eye on their little one without having to be in the same room all the time. This enables parents to multi-task without jeopardizing their child�s safety. Over the years there have been many technological advances in the baby monitor realm. Sound monitors are still the most extensively used ones, but now visual, temperature, movement and breathing monitors are becoming more common. Visual (or TV) monitors are great for parents who want to see what baby is up to at all times. These monitors are quite expensive, but can later be converted into a security system. Temperature and breathing monitors are useful for parents who are concerned about their child�s health. These monitors inform parents of the temperature in the baby�s room and whether it is too hot or cold.
Other Useful Items
Besides the aforementioned baby products there are many other small items a new parent needs to purchase for their child. Diapers, pacifiers, bottles, shampoo, soap, bottle warmers, a diaper pail and travel bags are just some of the baby products required. When purchasing baby products always stick to these basic items - do not get sidetracked by gimmicks. Before buying a product always ask yourself the question: �Do I really need this for my baby�s well-being?� Good luck with all the shopping!
About the Author
Dorothy Smith is a freelance writer, mother and self-confessed bargain hunter who loves to provide tips to consumers shopping for baby products, best baby cribs and best baby strollers.
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August 22nd, 2008