Easy auto financeUSA turns your dream car into reality!

In today’s time, having your own vehicle is more of a necessity rather than a luxury. It may be for personal use or commercial use but having a car in your possession has become a must.   Unfortunately, whether it is used cars or new cars, purchasing them directly is not an easy task unless you are made of money. However, fortunately, there are ways and means to get around this problem and one of them is jitcar.com.  With this you can buy a car in instalments and you do not have to reach into your savings. Auto financing means that you do not have to pay a large sum of money directly as you can pay the whole amount in easy instalments with just a bit of interest. This form of financing has made buying and owning your car a possibility instead of a distant achievement.  

Jitcar.com simply put means that the individual is taking help from the financial market to facilitate his purchase of a vehicle. It is a way of acquiring a desired vehicle whether it is a truck, wagon, lorry, car or any other form of vehicle by making monthly payments in small amounts and paying interest on it. It is better to shop around for the best financier who will charge the lowest interest.  

There are two forms of auto loans; secured and unsecured. Secured auto loan requires the borrower to place collateral against the amount taken. In this system, the higher the value of the collateral, the more amount of money gets approved for the loan. Hence, the borrower must strive to place as high collateral as possible to gain the largest amount of finance at the lowest rate. Unsecured loans require no collateral but certain documents have to be furnished to show the paying capacity of the borrower. These will include proof of employment, income and credit history and score. Once the lender is sure about the repaying capacity of the borrower, the auto finance gets approved. Even those with bad credit can avail of auto loans although the interest rate may be considerably higher. 

While availing of auto finance it is in the best interest of the borrower to make a large down payment as this wins the trust of the lender who in turn then may offer better rates to the borrower. Making a large down payment also reduces the financial load on the borrower in the long run as he has to make smaller payments in the future.

Before applying for car finance it is better to check the prices of cars to see how much you need to borrow. You can even go online to get car quotes as many websites offer a far superior deal on cars than the regular establishments. 

Jitcar.com is a competitive segment by itself and it makes sense to first shop around for the best rates before making a commitment.

Used cars- how to prevent getting conned into buying any old lemon of a car!

If you are looking out for used cars for sale there are several points which you must keep in mind. Buying second hand cars can be quite tricky unless you are well-informed and know all the little tips which go into purchasing used cars. Here are some of those tips to help you guard against being taken for a ride in the purchase of a used car.

The first way to guarantee against being sold any old lemon is to check underneath the paint. For this purpose, carry a paint meter with you which will help you detect replaced metal, the original or deliberate cover-up paintwork. A staggeringly large number of cars get deliberately repainted to increase their value because all the little flaws get covered up and these are then tried to sold off to the unsuspecting public as ‘almost as good as new’! But, scratch underneath the paint and you may across a badly damaged bumper which will cost you a lot more in repairs than what you paid for the car.

The second area where most people get fooled is by the warranty. Although you may get the warranty with your second hand car (and it’s important that you ask for it), you must check whether the warranty stands valid for the period during which you are buying the car. To authenticate the warranty, just check on the drive door side and see the year in which the car was manufactured. Most warranties start within a few months of that date and you may just get stuck with a car whose warranty is already over despite you holding the warranty card. It is equally important to check whether the warranty transfers to you or not since not every manufacturer allows multiple transfers with the warranty intact.

Thirdly, request that the car engine should be at rest for at least 12 hours minimum (ideal time is 24 hours) before you come to test drive the car. This cold start brings up as lot of hitherto hidden problems like clanking noises which disappear once the car gets warmed up. There may be blue smoke coming out which means that the car is burning oil or if the smoke is white then it means that it is anti-freeze in the car engine. All these are bad signs and you should avoid purchasing that car. Checking the compression of the engine is also important. If the RPM of the car comes up and backs down quickly then the compression is good; otherwise avoid the car.

The other tips are to know the loan value on the car, ensuring that the body of the car is straight, looking underneath the car to see if any fluid is dripping as this can mean expensive repairs, checking the odometer and checking for water damages. Once you know all these tips buying the best used cars will be a breeze and you can be rest assured that you will not get conned.

Car quotes online- settle for reputation and not the lowest price

Since using the net to make various purchases has become highly common and people in general feel more secure in undertaking financial transactions online, getting car quotes online has also become hugely popular. Getting online car quotes has several advantages over getting direct dealer quotes as we shall see:

Getting car quotes on the internet is very easy. You simply have to either register or purchase the services of an auto site to get an idea of the prices of the model which you are looking at. Going online saves you not only time but also the hassles of visiting one dealer after the other or looking through various newspapers and cutting out ads from magazines or laboriously poring over phone directories. All information on new car quotes or used car pricing is easily available on various portals.

Online car quotes are normally got by firms after they have shopped around for the best offers. This saves you the trouble of driving around to various dealers endlessly to get the best quote. The value of online car quotes becomes even more apparent if you happen to be living in a rural area and have to drive down far to the closest car lot.

Direct dealer quotes will always carry some hints of vested interest because they have many more expenses to cope with and which they try to pay off through the buyer. The means can be honest or sketchy but either way you will end up paying more than what you would get online. The other problem of dealing with direct dealers is that while you are on the lot or in the showroom you may get pressurized by the sales pitch to go in for a more expensive model than you originally intended. This will ultimately cut into your budget as the more expensive car will be costlier to maintain, repair and insure.

Getting online car quotes also ensures that you don’t get carried away by extra features which are thrown at you by suave salespeople whether or not you actually need them. The price can also be set beforehand on the net and all you have to do is to go pick up the vehicle.

Choosing the correct portal is important since there are so many websites dedicated to auto purchase that you may become confused. The best way to choose is by checking to see whether it has been in business only for a few months or has been an established company since a number of years. In online information reputation of the website matters more than the deal offered, so, don’t get taken in by the lowest deal offered. If the company cannot be relied upon, be sure that all the figures and facts are also unreliable and what appears to be a good deal may in fact, turn out to be a sham. So, even if you are getting online car quotes ensure that you get it from a reputed site to avoid getting duped.

There are only benefits to be had while buying new cars

Majority of the average car buyer goes in for used cars while the rest opt for new cars. Buying second-hand cars is cheaper than buying brand new ones and this is the reason why a larger number of people prefer purchasing used vehicles. Used cars for sale are available at much lower prices and this makes them attractive in the eyes of the buyer. But, although the budget does play a very critical role in the purchase of cars, buying a new car does have more benefits than an old one and it is better to splash out on a new one rather than settle for an old one.

Amongst the many benefits which buying a new car offers, foremost is the lower ownership cost of the vehicle. Not many are aware that in the long run a brand new car pays for itself by requiring lesser maintenance and by having better fuel- economy and giving higher mileage. Although the price of a new car will be very high initially, it will pay off and the buyer will actually be saving a substantial amount of money than on a pre-owned car.  

The other great benefit of buying a new car is that a new car will always provide better safety features when compared to old cars. New vehicles are always manufactured with advanced technology and incorporate the latest safety tools and gadgets for the safety of its occupants. A second hand car will not have the latest safety gadgets since the safety mechanisms of vehicles are upgraded each year. A used car with its older safety mechanisms and with wear and tear also will not be as safe as a new one for its occupants.

The warranties available with new vehicles are one of its most attractive benefits. Every car dealer is bound to give a warranty for the new car which means that in case of damages, repairs needed or replacement parts required, the car dealer will do the needful and the expenses will be handled by the dealer during the warranty period. This warranty helps the buyer in avoiding incurring any extra expenses towards repairs, maintenance or replacement parts during the period of warranty. It goes a long way in saving the owner plenty of money which he can then use to pay off his auto loans perhaps.

If you buy a used car you never know how many hands has the car changed before coming to you and whether everything is above board. The risk of dodgy ownership is always present and also the expenses which you may have to incur in its maintenance may soon outweigh your discounted price. When you buy a new car there is no ambiguity about the vehicle ownership and maintenance expenses are almost negligent. For all the above benefits, buying a new car is highly advisable even if you have to shell out a lot of money in the beginning.

Car buying guide- bring home your dream car with these strategic tips

Buying a vehicle is a huge decision as it is an investment on which you will be dependent for a number of years and for which you may also have taken loans or dipped in your savings. When so much is riding on one investment, it makes sense to make the purchase carefully and to the best of one’s ability and knowledge. A car buying guide will help demystify the intricacies behind the purchase of cars, whether new or used cars.

It goes without saying that as a first step you must ask yourself what exactly you are looking for in a car. Once you have identified your requirements and desires you can narrow down the search which will make the choice easier for you. The important details which matter the most in the purchase of a car are the space, usage, safety and the interior and exterior.

Regarding the space in the car you have to decide how many seating you need and whether you need cargo space. The usage is most important as it will basically determine the type of model you need to buy. You have to determine whether a four-wheel drive is needed or you need an all-weather, all-terrain vehicle. Or are you keen on that zany sports car which is just right for you. If you are very particular about the safety mechanisms in a car, be sure to check into the safety features thoroughly. Keeping yourself informed about the latest car-safety tools will help you decide whether the presence of those gadgets in the car is important to you. The interior and exterior of the car should match with your desires.

The next important step would be to do research on the type of car which you want. A lot of information is available online and you can go through auto reviews to further shortlist your choice of cars. These will help you chose a car closest to your needs and your budget.

Once you have zeroed onto the make and model of your car, you have to select the dealer and negotiate on the prices. Here too, going online is very handy as you can see the prices of all auto dealers at auto buying sites at one go. Based on the reputation of the site and the price offered, you can begin the negotiating process. You must not settle for the first attractive deal which comes your way and you must not get browbeaten into agreeing to the first price which is offered. This way you can scout around till you find the best offer.

With a little bit of strategic research and planning buying a car will become easy and you can bring home your dream car.