Auto Loan Guide
This auto loan guide is to serve as a high level reminder or check list on what you should consider BEFORE you commit to an auto loan. It is not intended to be exhaustive, but can save you considerable time and money on your auto loan. Primary is to ensure that you are qualified for an auto loan, you are not paying too much for the vehicle, and that your auto loan is competitive with no hidden charges or fees.
New Car Auto Loan Money Saving Tip: if the manufacturer offers additional rebates in exchange for financing through the manufacturer, take their auto loan financing. Once you have the rebate and received the auto loan from them, refinance your auto loan online at a lower rate. To see the best finance rates available, click on our recommended finance sources:
Automotive.com: Any Credit Auto Loans.
1-800 AUTO YES: "Get an Auto Loan with our Free 60 Second Application."
Citifinancial Auto allows you to experience the negotiating power of cash
Auto loan interest rates are determined in good part on a buyers credit worthiness. It is very important that you determine your credit score prior to applying for an auto loan. This can be done online for all three of the primary agencies: Equifax, Experian and TransUnion:
Get Equifax Score Power Now!  Among them Equifax is the leader and should be used if selecting only one agency. Or, to save time and money, order a combined 3-BUREAU CREDIT REPORT here: CreditReporting.com.
Know your car pricing before you negotiate a deal. Visit online car buying sites and research car pricing. You can visit some of the online auto dealers here:
Free Price Quotes at Edmunds.com
Find the new or used car you want on cars.com
Calculate what auto loan payment you can afford to pay comfortably prior to making your final auto selection. You can find a good auto loan calculator here: Auto Loan Calculator.
Debt Consolidation / Home Loan Guide
You will likely have your realtor, relatives and friends pushing various debt consolidation or home loan sources. Evaluate them thoroughly and make your own educated and independent loan decision. To assist you, VentureLine has professionally looked into some good cost effective online contacts for debt consolidation or a home loan that we believe should be considered. If your credit worthiness is challenged, we have also located the best assistance you can find to resolve poor credit reports. Just click on any that may apply:
- Mortgage Loans with LendingTree
- Click here
 if you suffer from a poor credit report. Lexington is a law firm focusing on repairing credit reports cost effectively. They have helped over 300,000 Americans repair their credit reports by removing inaccurate, misleading, or unverifiable information (in other words, "questionable" negative credit).
When looking into debt consolidation, before you accept a new home loan or borrow money on your current home's equity for that debt consolidation, think objectively so you don't end up paying more for a loan than you expected or than you can afford. This loan guide highlights how to prepare and what to look for in a home loan or debt consolidation. We have also evaluated several loan sources that we believe should be included in your home loan or debt consoliation analysis activity. The broad outline for analyzing a loan should follow 6 basic steps in preparing for and analyzing any loan prior to acceptance:
- It is imperative that you know your credit rating and credit score prior to applying for a debt consolidation or home loan to ensure that you are not considered a credit risk. You can order a tri-company loan credit report (Equifax, Experian and TransUnion). To save time and money order a combined 3-BUREAU CREDIT REPORT here: CreditReporting.com.
- Be cautious about using a home equity loan to consolidate credit card debt or other debt consolidation. If you destroy your credit cards upon receipt of the debt consolidation home loan, it can be justified. Most times the credit card debt starts upward once again after being paid off through a home loan based debt consolidation. Be careful, you do not fall into this trap.
- Shop around when considering debt consolidation or a home loan. Get several offers, then pick the debt consolidation or mortgage loan that's best for you; not a loan that is best for the lender or broker. You will find one of the best loan calculators here: Home Loan Calculator.
- Close your debt consolidation or home loan deal carefully. Once you've found the loan you want, make sure you get the deal you were promised.
- Know your legal rights and use them. You have a legal right to know the details of your debt consolidation or home loan: The total cost of borrowing the money (fees and interest); The annual percentage rate (APR); The number of payments and the payment amounts; How long you have to pay back the loan; and, the total amount you have borrowed in the loan.
- Report things that go wrong and get legal assistance. If you believe your debt consolidation or mortgage loan lender is dishonest, e.g. you discover fees that you weren't told about or you were required to buy credit insurance.. report it! See the Home Loan Recourse section below for contact information.
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