Guaranteed Auto Credit Testimonial, Oklahoma City Used Car Dealer, Bad Credit Car Financing
Angelle and Vince were looking for a car that would fit their family needs. But because of bad credit they could not get financed to purchase a used car. They went to Guaranteed Auto Credit in Oklahoma City (http://www.gautocredit.com) where they got fast and easy credit approval. Their monthly payments are lower than expected and they drove away happy!
http://www.gautocredit.com Oklahoma’s #1 Place to get your car loan. It doesn’t matter if you have bad credit, no credit, bankruptcies, repos, late pays. It doesn’t matter what the economy is looking like. We are the state’s #1 source for car loans. credit, no credit, car loan, bankruptcy, repo, repossession, late pays, buy here pay here, automotive financing. Call us 405-790-0008
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When financing a used car, and applying to register it, do I need the title or is it held by the lender?
I just bought a used car, and financed it through a credit union. Next, I need to get the license plates. I do not have the title, but I do have the "Application for Title." Does the credit union hold onto the title until I’ve paid off the loan, or do I need to somehow get the title in order to get my plates? I am in Missouri.
All you have to bring is the bill of sale from the place where you bought the used car from. They will also need proof of insurance. The title is held by lender until all loans are satisfied.
How much is the difference between financing a car and paying it all completely?
I have enough money to buy the car that I want but I was wondering if I just pay half of the car and pay the rest by financing it , if that would cost alot more then just paying for the car up front at the dealership……btw its a Jeep Wrangler if that helps
unless you can get a 0% interest rate you will end up paying much more by not paying all at once. The bank will charge you a percent of total amount that you borrowed, that’s how banks make money. When I bought my 1st car I had an 11% interest rate and a 5 year loan, over those five years I payed an extra $3,000 Pay it all up front, that’s the best bet.
it is true that when you put a down payment on a car and financing wasn’t approve you get your deposit back?
I also put $2500.00 down on this car and now he is saying two months later financing wasn’t approve even after though the finance company has been taking payments out of my account for the past two months.
"Now he is saying two months later" — Who is "he"? The sales rep? The finance guy at the dealer?
Probably just a simple misunderstanding. Contact your lender. If they’ve been taking payments on the vehicle, there’s no way that you weren’t "approved".
*Side note — to the first poster… seriously… a lawsuit? Against whom? I love how people throw that out there first thing without knowing any of the facts behind the question. "Oh, just sue ‘em!" So many frivolous suits each year due to idiots watching the attorney commercials on TV. We’re all "victims", right? Well heck, sue everyone! Sheesh…
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What’s the difference between leasing & financing a car?
I wanna buy a car it cost $22.000 going to put $3.500 at signing and I want to make monthly payments on it. So have to lease/or finance it. Leasing is like renting and financing is buying. I’m planning to keep the car like forever but I don’t know which one is an advantage. Explain which one is best for me.
Unless you pay in-full at the time of purchase, a car is "financed" whether it is purchased or leased.
The difference is very simple. With a purchase, you eventually own outright the vehicle for which you made a down-payment and have repaid through monthly payments the remainder you borrowed. The vehicle is yours to do as you please.
With a lease, you’re effectively renting the vehicle for a specified period of time for a price determined by deducting an estimated future (residual) value of the vehicle from its original (capital) price. The difference is financed and repaid monthly like any other loan. At the end of the lease term, you can choose to "walk away", or you can purchase the vehicle for the agreed-upon price, whichever happens to be more favorable to your personal financial situation and the actual value of the vehicle at that time compared to the buy-out price. If the vehicle is worth less than the residual value used to determine the lease cost, it’s obviously in your best interest to walk away. If it’s worth considerably more, you can choose to buy a car for less money than it’s worth.
Whether a car is a good lease candidate depends exclusively upon how well it "holds" its value, which is its ability to make the lease payments less than buying. Leasing can also have some other additional benefits that don’t apply to a purchased vehicle because of the way leases are structured. For example, you only pay sales tax on the actual amount of the lease value which can be approximately half the amount for a vehicle purchased outright. And, depending upon your financial and tax circumstances, leases can be easier and more convenient to claim as tax deductions.
Unfortunately, most new vehicles have been depreciating rather quickly given the vast incentives being offered to help create sales. This makes leases either altogether too expensive to be feasible or car makers have abandoned the practice for many models because they’ve wound-up having to sell-off leased vehicles that are worth less than they originally predicted. Even so, most banks and credit unions have leasing programs for vehicles even if the manufacturer doesn’t.
Best of luck, and I hope this helps.
JA bank my-car loan
Anago has beautiful voice 
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What is the difference between financing a car thru a dealership and getting an auto loan through your bank?
I’m purchasing a new car soon and I alaways see specials for financing a car thru a dealership. What is the difference? I was planning on going through my credit union.
It depends on what special financing you are talking about. If you mean the ones advertised on TV, such as 5.9% APR on the 2008 Fusions, this is not dealership financing. True dealership financing comes mostly from buy-here, pay-here lots. This is manufacturer financing and typically there is a cash rebate in lieu of the APR, so find out what your credit union will approve you for, as far as an interest rate.
Research the car you are looking to buy on edmunds.com and see what rebates are available to you in your area. Now when you pick out the vehicle, have the sales associate figure payments both ways <i.e. Price-Rebates and credit union rate / Price and special rate>. Whichever gives you the lower payment is typically the favorable method, however if the payments are the same always take the lower selling price / higher interest rate combo. This will give you a lower balance in the event you vehicle is wrecked or stolen. Good luck and you can email me if you have questions.
DriveTime: Trapped in Car Sales Limbo
“When you’re trapped by bad credit, trying to buy a car at a big dealership is practically impossible.” DriveTime is the premiere dealer providing car sales for people with bad credit in Albuquerque, Atlanta, Austin, Charlotte, Dallas, Denver, Greensboro, Jacksonville, Las Vegas, Los Angeles, Norfolk, Orlando, Phoenix, Raleigh, Richmond, San Antonio, Tampa, or Tucson.
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I have a question about new car financing and selling?
I bought a 2008 Kia Rio Lx last year and still owe quite a bit. First mistake, not that the car is bad, the car is very handy. But i am a college student and tied down to that car, have to constantly support it. What are my options for selling it or transferring payments on? I don’t know how it works.
If you just bought it last year, you probably owe way more than what it is worth, so you’re stuck with it. If you sell it to someone, you probably wont get what you owe, so to pay the bank off you’ll have to come up with a chunk of cash. If you try to trade it in on something cheaper, you’re taking the difference in what you owe, and what you get in trade, on top of the new car. That’s a bad thing to do. If you owe 12k, and its worth 7k, you have to come up with 5k to satisfy the bank.
For future reference, next time you buy something, make sure you’re going to want to keep it. Getting a different car every 2-3 years is only a good idea if you’re leasing. If you’re buying, you have to do it when the values allow you to have equity in your car, otherwise you’re screwed.
Hope this helps, good luck!