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If you are thinking about getting a new truck and are wondering how you might go about financing such an acquisition, the below information is for you. Trucks can be expensive and you might not have the cash on hand to pay for the entire vehicle outright. That is why truck loans are so valuable. Below are five long-term benefits of a truck loan. You can afford “more” truck than you would otherwise be capable of . A new vehicle often costs between $10,000 to $20,000 and many people don’t have that kind of cash lying around. Financing the vehicle through a loan will let you pay for the vehicle in instalments, which are typically monthly, and you can get a new vehicle instead of having to opt for something older. Buying a new vehicle saves you money. When you buy a newer vehicle with the help of a truck loan, you are getting a vehicle that is not going to break down on you as often, and will therefore require less maintenance and trips to the mechanic, which is ultimately, money ...

At Zion Finance - Lend Up, a leader in bad credit auto financing for more than 12 years, we want to help you purchase your next car. Over the years, Zion Finance - Lend Up has helped thousands of customers with less-than perfect credit purchase the vehicles they want, and they can help you too. When you have bad credit, auto financing can sometimes be a real hassle. There is nothing more frustrating than falling in love with a car at a dealership only to be told that you don’t qualify for financing because your credit is not good enough. You could avoid all that frustration by getting your auto financing approved at Zion Finance - Lend Up before you shop for a vehicle. When you get your auto financing from Zion Finance - Lend Up, you will discover the joy of auto finance made easy. The financing professionals at Zion Finance - Lend Up will guide you through the entire process of automotive credit and show you all the benefits of securing a direct auto loan. Zion Finance - L...

It’s not easy to get a car loan with bad credit. Some finance companies see consumers with bad credit as a risky investment. Many of the banks and finance companies have either stopped making these loans or gone completely out of business. So while many people on the news see this as a good thing and banks are getting what they deserve, there is a large amount of people who now cannot get a loan. Outdated information. “People on the news” seeing subprime lending take a hit and “getting what they deserve” is subjective and no longer accurate. Also, there are banks that are starting to get back into the subprime lending market again. So now you ask yourself: “How can I refinance my car with bad credit?” Unfortunately many of the auto finance companies were also in the subprime mortgage crisis and now the boards of these companies see all loans like subprime mortgages. Auto loans are a completely different animal and now there are companies that understand that. Bad credit is not ...

When you need credit acceptance, auto loans can be a tricky proposition. There are a number of sources for title loans, auto financing, including dealer financing, banks and credit unions, and third-party lenders who pre-qualify customers who need a a loan for a vehicle. The source for your auto loan will have a great deal to do with how successful you are in getting a vehicle you want and can afford. For many, the most obvious source for financing a vehicle is the auto dealership itself. Whether it’s a franchised new-car dealer or a used car dealership, most car dealers have several financing options for their customers. For bad credit car loans credit acceptance auto loans, these loans are always contingent on purchasing a vehicle at that particular dealership. For example, it’s not common to use GMAC financing to fund a loan for a Toyota vehicle. It just doesn’t happen. The second source for a car loan that many people consider is their bank or credit union. Larger banks oft...

Nobody wants to file for bankruptcy. But life happens. A recession here, an economic downturn there and before you know it, you’re filing chapter 13. Yet, there is life after bankruptcy. Car loans after bankruptcy may present a few challenges, but they are not impossible. The first stipulation is being aware of the status of your case. Your bankruptcy case doesn’t necessarily need to be over to get financing, but the courts must have issued an order of discharge. Why? The discharge allows your dischargeable debts to be zeroed out on a credit report. Now that debt has been discharged, you can begin rebuilding your credit. Even without a bankruptcy, someone applying for a car loan needs to be able to demonstrate that they have a stable job, and sufficient income to be able to make the car payment and handle regular expenses. Take out a small loan or two and demonstrate your ability to make timely payments. The better your credit report looks, the better the rates will be. You can...

At Zion Finance - Lend Up, a leader in bad credit auto financing for more than 12 years, we want to help you purchase your next car. Over the years, Zion Finance - Lend Up has helped thousands of customers with less-than perfect credit purchase the vehicles they want, and they can help you too. When you have bad credit, auto financing can sometimes be a real hassle. There is nothing more frustrating than falling in love with a car at a dealership only to be told that you don’t qualify for financing because your credit is not good enough. You could avoid all that frustration by getting your auto financing approved at Zion Finance - Lend Up before you shop for a vehicle. When you get your auto financing from Zion Finance - Lend Up, you will discover the joy of auto finance made easy. The financing professionals at Zion Finance - Lend Up will guide you through the entire process of automotive credit and show you all the benefits of securing a direct auto loan. Zion Finance - Len...

 The common wisdom that Gen Y consumers – those born between 1977 and 1994 – no longer are interested in automobiles doesn’t seem to hold water, suggests Deloitte’s study. They’re just practical about the costs of car ownership and other factors involved in owning vehicles. “Among Gen Y consumers who do not currently own or lease a vehicle, cost seems to be the main barrier – with most (80 percent) saying it is because they cannot afford it and three quarters citing high operational and maintenance costs,” reported Used Car News. “Affordability is the mantra for Gen Y consumers who don’t already own or lease a vehicle,” Craig Giffi, head of Deloitte’s U.S. automotive practice, said of the study results. But Used Car News cautioned: “America’s romance with the car does not extend to Gen Y.” Deloitte’s data is based on survey responses from more than 23,000 consumers across 19 countries, including more than 2,000 U.S. consumers – 677 from Gen Y, representing nearly 80 millio...

Many traditional lenders refuse to provide auto loans for people with bad credit. If you’ve been trying to purchase a vehicle and keep getting turned down for financing because you have less-than perfect credit, don’t despair. There are plenty of auto loans for people with bad or poor credit out there, you just need to know where to look. Shopping for cars is fun, right up until you have to talk about financing. For people with poor credit, trying to get an auto loan can be very stressful and discouraging. It doesn’t have to be that way anymore. At Zion Finance - Lend Up, we specialize in providing and servicing auto loans for people with all types of credit. We know that credit problems can happen to anyone. Whether your credit problems have developed over time due to poor spending habits or come on suddenly due to a job loss, accident or illness, Zion Finance - Lend Up is here to help. We provide auto loans for people with poor credit because we believe that everyone deserves a ...

When the process of buying a car and a poor credit situation come together you naturally end up wanting to find some of the best auto loans for bad credit.* The characteristics of the best auto loans in such cases are likely to depend on your own particular circumstances and financial position, but here are some basic points that could help the search. When looking at interest rates, be realistic with your expectations. You can still try to find a competitive interest rate for your credit situation though. An auto loan that works well for you will have a monthly payment you can afford. A budget calculator can help work out what you might be able to allocate for a car payment. Other finance calculators can estimate the total cost of a car you may be able to afford, and what the monthly payment might work out to be, based on the information you enter. As you search for potential financing, also think about what you’ll pay in interest over the entire course of the loan. The ...

Many traditional lenders refuse to provide auto loans for people with bad credit. If you’ve been trying to purchase a vehicle and keep getting turned down for financing because you have less-than perfect credit, don’t despair. There are plenty of auto loans for people with bad or poor credit out there, you just need to know where to look. Shopping for cars is fun, right up until you have to talk about financing. For people with poor credit, trying to get an auto loan can be very stressful and discouraging. It doesn’t have to be that way anymore. At Zion Finance - Lend Up, we specialize in providing and servicing auto loans for people with all types of credit. We know that credit problems can happen to anyone. Whether your credit problems have developed over time due to poor spending habits or come on suddenly due to a job loss, accident or illness, Zion Finance - Lend Up is here to help. We provide auto loans for people with poor credit because we believe that everyone deserves a ...

At Zion Finance - Lend Up , a leader in bad credit auto financing for more than 12 years, we want to help you purchase your next car. Over the years, Zion Finance - Lend Up has helped thousands of customers with less-than perfect credit purchase the vehicles they want, and they can help you too. When you have bad credit, auto financing can sometimes be a real hassle. There is nothing more frustrating than falling in love with a car at a dealership only to be told that you don’t qualify for financing because your credit is not good enough. You could avoid all that frustration by getting your auto financing approved at Zion Finance - Lend Up before you shop for a vehicle. When you get your auto financing from Zion Finance - Lend Up, you will discover the joy of auto finance made easy. The financing professionals at Zion Finance - Lend Up will guide you through the entire process of automotive credit and show you all the benefits of securing a direct auto loan. Zion Finance - Lend ...

Whether used for work or play, the automobile is a staple of American society. With many drivers getting on the road thanks to financing, so too is the monthly car payment. It’s not always a smooth ride though, and something like car repossession can be a big obstacle to negotiate.* What is car repossession? When you signed for that loan or lease, you signed a contract that gave the creditor or lessor rights until the vehicle is paid off, or until the lease ends. If you don’t fulfill your obligations, like meeting your payments, the creditor may have the right to take back your vehicle without warning, or without going through a court, to get some or all of the money owed. They may even sell the contract to another party who then repossesses the car. Creditors’ rights will vary according to the contract, and state-by-state, but here are the main scenarios that help us understand how car repossession works. The car repossession process: Some situations Late and missed payments...

Buying a car can be fun and exciting. However, getting a car loan can be anything but. After all, the auto loan process can be confusing and intimidating, causing buyers to make mistakes that result in a bad car loan. If you’ve got bad credit,* dealers or insurance agents may take advantage, and you could be stuck with a car loan that will end up costing you tons in the long term. So if you’re in the market for a new or used car, don’t get swindled into having to pay more than you really need to. Here’s a look at some smart and simple ways to steer clear of a bad auto loan, incorporating advice from the Consumer Financial Protection Bureau and Federal Trade Commission.† Know Your Credit Rating  So much of what determines a good or bad auto loan is dependent upon your current credit rating. Before even considering a car loan you need to know what your credit rating is. If your credit rating is on the low side—below 620 for most lenders—you may have difficulty qualifying for...

The perks of a small car? Drivers in many countries lean towards the small vehicle while Americans cannot get enough of the “bigger the better” ideal. So this raises the question, why buy a small car? Here are 11 reasons for car buyers to look at smaller cars, from saving money to versatility. 1. Parking Let’s just state the obvious. You can fit into the smallest areas of street parking, which can be a novelty in most big cities or crowded towns. You can also fit into the newly popularized compact car spots found in many modern parking lots. With a smaller car, you can slide right into the smallest of spaces without a struggle. Also, many modern garages are only equipped to fit smaller cars. This leaves you more room for storage in your garage space. 2. Fashion Smaller cars often come with a sleek look. Not only are they small and slick, they now come with some of the most stunning interior and exterior displays. Smaller models are often offered in more colors and design ...

Not everybody has perfect credit. If you’re one of them, and you’ve been declined for an auto loan, you may feel like you need a second chance. Consider applying with a lender that accepts applications from consumers with all credit types, such as Zion Finance - Lend Up. When you drive a new car off the lot, it’s perfect. The body is flawless, the paint is pristine, and the interior still has that great “new car” smell. But after you’ve driven the car for a couple of months — or a couple of years — you’ll notice that the shine has begun to wear off. There may be a few “door dings” from careless parkers. A scratch or two may have appeared on the paint. The interior might need an air freshener to make it more pleasant. Your credit is the same way. Many people have trouble meeting all of their financial obligations from time to time. A late payment here, a repossession or other credit “oops” there — they add up. Pretty soon your credit has lost its new car smell, and sudde...

It’s easy to see why a pickup truck, the Ford F-150, has been the best-selling vehicle in the United States for years on end. There are lots of people who need a truck for work, that’s for sure. But it’s also very handy to have one for personal use. The convenience of dropping the tailgate, loading up and driving off is unmatched by an SUV or car. No lifting up to the roof rack or folding down seats, and no vacuuming the interior afterwards. Trucks are often more expensive than cars, but not all pickup owners are driving around with brand new vehicles, or perfect credit. When you need auto financing, working out how to buy a truck with bad credit* is not so different from learning how to buy a car with bad credit. You may want to plan ahead by checking your credit, what you can afford, apply for preapproved auto loans with some different lenders, then, once approved, negotiate loan terms. There’s more to it than that though, and we’ll go through the steps for how to buy a...

Buying a car can be a daunting task. People often devote large amounts of time, money and thought into purchasing their next vehicle. However, we think that buying a new car should be an exciting time for people! It often marks an important moment in one’s lifetime – whether it be a sweet 16, a new job, or finally saving up enough money for your own car. Some of you may have asked yourselves, “What do you do when you buy a car?” With research, and a bit of help from us, you can understand how to buy a car in a few easy steps. Here are our 10 steps to buying a car. 1. Research vehicles • Read reviews – Look at online car reviews from both experts and owners. While experts can give you a professional outlook on the vehicle and its features, an owner review may give you a more realistic outlook on how the car runs on a day-to-day basis. Both may be beneficial in the buying process. • Look around – Look into a variety of vehicle options that fit your needs and financial ca...

How using a tax refund for a down payment could affect financing Let’s see what kind of difference a tax refund might make to financing a car. A refund of $3,000, for example, is almost enough to cover the typical 10 percent down payment on a new car (the average new-car price was $33,666 in March 2016, according to Kelley Blue Book). And it would more than cover 10 percent down on a used vehicle (the average used-car price was $19,232 in the third quarter of 2016, according to Edmunds). Here’s how that down payment might lower your financing costs. Let’s say you’re looking at buying a car for $20,000 and you have a trade-in worth $5,000. Using Zion Finance - Lend Up’ auto loan calculator we can see that entering a loan amount of $20,000 (effectively $15,000 after the trade-in value), with a 60-month loan term, 2.9 percent APR, and $5,000 in the down payment field, results in an estimated monthly payment of $268.86. Adding $3,000 from a tax refund to the $5,000 already in the ...

Weighing your options on a new or used car? It’s wise to consider new vs. used car financing as part of the process as it may have a big impact on how much you pay for the vehicle when all’s said and done. Advantages of buying a new car and new car loans The appeal of buying a new car never gets old: a chance to own a vehicle in pristine condition, complete with the latest technology and safety features; your choice of models and add-ons; a manufacturer warranty, and no history of maintenance issues, for example. There are plus points to new-car financing worth some serious thought too: Lower rates than used cars – New-car rates are typically lower than those of used cars, says the Federal Trade Commission (FTC), although financing periods are normally longer for new cars. Special rates – Automakers sometimes offer incentives like zero or low annual percentage rates (APRs) on certain models and model-year vehicles, which may reduce buyers’ finance changes. Such rates a...