Written by Mark Hergert
Published on 24 May 2010 Hits: 6474
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Benefits of Buying a New Car and Applying for Financing

 

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How is Auto CreditFinancial different from other online companies who offer free services?

Other online car loan approval companies simply get your credit information and fax it to any dealer, overlooking the assistance, information and follow-through you really need.  Here at Auto Credit Financial, we build a customer profile prior to giving your information to the dealer. We work directly with the lender and dealership to get you approved. We simply do more.  If for some reason you don't get approved, we can help you understand what you can do to help your situation. We don't leave you hanging like most other companies who just gather credit information and then "pass it on."

 

How do I know if I can qualify for a loan to purchase a vehicle?

If you have a job that can be verified and if you are not currently involved in a bankruptcy, then your chances of approval are very good.

 

Does buying a pre-owned vehicle really help me re-establish my credit?

Yes. When checking with the credit bureau, many lending institutions look at automobile loans more closely than any other type of loan (other than home loans) to verify your credit standing. Secured credit cards are no help at all - you're really borrowing your own money for the glory of having a piece of plastic in your wallet.

 

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What are the benefits of a decision from

 Auto Credit Financial rather than going straight to the dealership?

In most cases, if you have credit problems and go directly to the dealership, you are more than likely going to have an unsatisfactory experience. Once they learn that your credit is less than perfect, they will most likely show you a very low quality, limited selection of cars that are far from what you may want or need. You can avoid all these unnecessary hassles with Auto Credit Financial and feel confident that we will already have you pre-qualified before you walk into a dealership. 

Dealers appreciate working with Auto Credit Financial because it means almost all the work is done for them, such as verifications, interviews, etc. You'll be way ahead of those people who just walk into a dealership with no prior knowledge about auto financing. Auto Credit Financial has lending sources available that no other dealers have. If you've been to another dealer and your visit was less than perfect, you'll now find with Auto Credit Financial that you will get the help and answers you need.

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Information You Need Before You Buy

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After years of delays, the credit industry finally agreed to give consumers access to their personal "credit scores." This is important, because lenders use credit scores to determine who to give credit to and at what rates. Knowing your credit score can be empowering,If it's low you can take steps to improve your credit worthiness and if it's high you may be able to use it as leverage when shopping for your next car loan.