You Might Want to Refinance Your Car Loan RIGHT NOW, and Here’s Why

Believe it or not, but when you refinance your car loan, we’re not simply talking about nickels and dimes. We could conceivably be talking about dollar signs. A lot of them. And there’s a big reason why.

First Off, Did You Realize That the Car You Just Bought Is Now a Used Car?

Many car buyers and owners don’t even realize that. Once you’ve bought the car, it’s no longer new. It’s used. And that’s a big deal when you refinance your car loan. Rates are different when comparing refinance your car loannew car loans with used car loans. A lot different. So do yourself a favor and check the rates.

How different? Generally speaking, used car rates tend to go for a lot higher than new, so it’s worth looking into, especially if your credit score has improved over time. We’re talking about maybe a year or two down the road. Be strategic, of course, as this is an exact science, this idea of refinancing your car loan, and there are certain steps to take. But your first step is exactly this: the new rates may be a lot different, and it might be to your benefit to look into it.

Who Knew That When You Refinance Your Car Loan, You’re Revitalizing Your Finances?

Obviously…. After all, paying for that car loan improves your credit score every single time you pay it. So as the rate goes up, your cost might go down depending on your credit report. In other words…. You’re making your car loan work for you, literally making you money as you drive. You can’t compete with that, can you?

This is why you have to sign up for a listing of car loans that might work for you and your budget. Simply sign up today with LOANS 4 CARS and get started. Remember: the market’s hot right now. And it’ll only get better.

 

Auto Refinancing: the Dark Side, and Why It May Not Be Good for You

Don’t get us wrong: auto refinancing isn’t a bad thing, per se. After all, the point of refinancing is to get a little more dollar for your time and your payments as you drive. You want your investment to work for you, especially with these things to know when considering car refinancingHowever…. Auto refinancing isn’t for everyone, and here’s why —

What If Your Car or Truck Is Actually Worth LESS Than the Loan Balance?

You have what’s called an “upside down” in the industry. You won’t even be able to refinance. Even if youauto refinance tried. This is good to know, though, given the amount of time passing. In fact, if it just so happens that your vehicle’s already six or seven years old, a refinance won’t benefit you at all. It’s all about value. How much value is there in your car? How many times has it been maintained? Are things slowly falling apart? Is it really worth it? It might not be!

The bonus to knowing this, though, is that the old myth about having to wait a “while” before auto refinancing has been debunked in a beautiful way. You really don’t have to wait! You can sign up for a listing of car loans right here with LOANS 4 CARS, get approved, and literally just a few months later, you can try for a refinance and see if you get a better rate. Why not? It might save you more money. It’s all about strategy.

It Just so Happens That the Way Loans Are Structured Follows This Ideal

Since the bulk of interest is always paid up front, the fact remains: you might actually save more money the earlier you refinance. Always consult with us on the strategy, though. Because it depends on the value of your car. It really depends on your credit, too. All these factors play a role on not only when you auto refinance, but also on whether you can.

Important stuff to know. And while knowing that, sign up with us at LOANS 4 CARS, and you’ll be even closer to not only having that car of your own, but making that car work for you!

 

Auto Refinancing Is a One-Time Thing…. So Make It Good!

There’s a certain strategy to auto refinancing, and the fact remains (and we don’t want to burst your bubble too much): but the timing has to be right. Simply put. If it’s not, the honest truth is you may not want to do it. You might get a few pennies here and there, but overall the hassle’s way too much. So resist the temptation. Hold out for something better. And even better than that….

Make the Extra Money Work for You When Auto Refinancing!refinancing your car

What do we mean by that? Let’s say you’ve successfully refinanced your car. What next? Let’s put it this way: you’ve got some extra monthly money to work with now, but don’t just waste that money. Build an emergency fund with it. Save for a vacation. Pay off some debts.

The point of refinancing isn’t simply to give you more money to play around with. Owning a car may be a benefit and a luxury for some, but for you, it’s an investment. That car you’re driving is basically a big pile of money that’ll only get bigger — and bigger. If you play your cards right.

The Fact Is You May Never See Interest Rates on Your Car Loan Dip Like That Again

So you make the extra money work for you. For as long as you can. Remember: you’re going to have that car for a very long time, for the entire lifeline of the car loan. During that time, while you’re driving kids to and from school, while you’re driving yourself to and from work — the least you can do for yourself is make that car work for you!

 

Owning a car is like having a business. Your product is the car. Better yet, the car loan. We urge you not only to sign up for LOANS 4 CARS, but recognize that!

Why You Should Be Thankful for Auto Innovations This Holiday Season

The most amazing thing about the auto industry is this: we’re seeing auto innovations almost every week. Always something new: whether it’s 3D printing, green technology, or just good ol’ plain efficiency, driving maintenance and fuel costs down substantially. Why is auto technology so important though, aside from just lovin’ the new features and going goo-goo over the fact that you can stream your live Netflix via your flat-screen in the back?

If You’re in the Know, You’d Know That AAA Has Called This Holiday Season for Thanksgiving as the BIGGEST for Travel Since 2007auto innovations

And that’s saying a lot. It’s been shown that Americans love to drive, particularly when it involves seeing family and friends on special holidays that involve turkey. More importantly, aside from the fact that gas prices are steady and in some cases going down, and the economy all around is going up, the fact is this: the auto market’s getting more and more efficient, with safety, mileage, and specific benefits that would warrant longer road trips.

In essence, certain benefits like green technology — hydrogen fuel cells, EV, etc. etc. — help cut down the cost of both gas and the cost toward the environment, making it that much more fun and enjoyable to drive. The cost of gas goes down. More money ends up in the pockets of Americans while they get to enjoy family and friends over some turkey.

Additionally, safety features make a dent — the rear-view cams, the automatic safety brakes. You’ve seen the commercials. You know what we’re talking about. It plays a role on whether or not Americans want to drive, even if it is in the cold, or the snow, or the rain.

So We’re Trusting the Numbers, and Auto Innovations Play a Role in Them

Now’s the time to see if that car loan works for you, because it could mean a vehicle with all the bells and whistles ready for not only Thanksgiving, but Christmas. SIGN UP RIGHT HERE AND SEE WHAT’S AVAILABLE.

Forget Uber: “Car Sharing” Is the Wave of the Future, and Here’s Why

What is “car sharing” anyway? And why are we hearing about it only just now? You’d be surprised to know that this is a phenomenon already sweeping the automobile industry in droves, and for good reason. For one thing…. It’s like Uber. Only not. Confused, yet? Let’s help you on it:

What “Car Sharing” Is

We’ll put it in perspective for you: Uber is to taxis what “car sharing” is to car rentals (like Hertz, Enterprise, etc. etc.). In other words, car sharing is simple a form of car renting but with some subtle differences. For one thing, more and more manufacturers are making car sharing available in a way that’s beneficial to the consumer. The concept’s more for the convenience of drivers who don’t own cars but need transportation for a short period of time, such as a few hours. However, instead of a flat fee like car rental companies would charge, you’re only charged for how long you’re driving and the distance. Moreover, the new service allows any car sharing-1driver to access any car at any hour — not just during business hours.

This changes the game as far as car renting goes. Like taxis feeling the heat from Uber, car rental companies might feel the heat for this growing trend engulfing the auto market. Instead of having to go to a company to rent a car, you can simply find a car that happens to be parked on reserve anywhere in your town, city or neighborhood — and if it’s available for car sharing — lock in your credit/debit card, and you’re good to drive it! That’s basically the gist. And it’s genius.

And Why It’s Going to Make a Mint for EVERYONE

Another way of thinking about it is this: it’s Uber, but you don’t have to drive. The customer drives. Again, a genius business model for the principal to make some money off of customers who need transportation at short bursts. And manufacturers are starting to see the writing on the wall in a big way:

What This Means for You, the Prospective Car Owner

It’s a win-win, really. Maybe you’re in the market for getting a new car loan, and if that’s the case, you can click here and fill out that form. Let LOANS 4 CARS find the right deal for you. Even better, though, is the fact that you’re potentially benefiting others who aren’t quite ready to own or lease a car! Sign up for a car sharing service, and you can make money just for owning a car! Not to drive it, not to pick somebody up, like with Uber. Just to own the car!

Now if that’s not a reason to own a car in today’s market, we don’t know what is….

BMW’s New Car Sharing Service Has Put Seattle on the Map

The auto market just got real interesting, what with this car sharing trend starting to hit all corners of the U.S. market. Funny how a little ZipCar can change everything, what with how U.S. manufacturers think, but here’s a bit doozie for you: BMW. Yep. You heard correctly: BMW has entered the soiree, developing their own car-sharing option called ReachNow.

This Basically Means You Can Drive That BMW as a RENTAL Without Going to ANY Car Rental Company

By the way…. If you happen to know of any car rental companies with BMWs, you just let us know. That would be great. Just another WOW factor for ReachNow, the service making available a fleet of BMW 3ReachNow_Logo BMW Series sedans, i3s’s, and Mini Coopers. This option has grown to be quite the competitor, reaching Austin, and even NYC. Smart cars, too, are available for car sharing purposes.

Of course, the ReachNow service isn’t necessarily cheap, but if you need a vehicle for a short period of time, the per-minute pricing BMW offers won’t take too much skin off your financial chest. It’s virtually comparable, perhaps even cheaper, than taking a taxi. At the moment the promotional rate is 41 cents a minute while driving and 30 cents a minute parked, but if you’re looking for some longer road trips, save up some money: the cap is $50 for 3 hours, $80 for 12 hours, and then $110 for 24 hours. That doesn’t include gas.

Now, of course, this is downright comparable to regular car renting, and it’s definitely much more flexible. And you’re getting to rent out a smart car, or just any BMW. Pretty sweet. But here’s the thing:

Car Sharing Is Growing. That Means the Competition’s Growing.

We can only imagine just how big this is going to get. Car sharing options from manufacturer to manufacturer will start to vary as they vie for some advantage or key unique selling proposition. So keep your eyes peeled. Especially you, BMW. If you want to stay competitive, start looking at the trends! Because you never know — you might find a prospective car owner looking for an auto loan to get a BMW right now!

(If you are, go ahead and click here to sign up!)

 

Why Your Ideal Road Trip Is In Michigan

2000px-Lake-Michigan.svg michigan

Michigan

Pack the car, roll down the windows and free your inner explorer as you set out on a Michigan road trip. Whether it’s discovering new urban adventures, the state’s rich heritage, new food and drink, or just celebrating breathtaking natural beauty, a Michigan road trip will fill your adventurous tank.

  1. Small Town Gems

    There is no shortage of amazing little nooks in the great state of Michigan. Whether it’s finding the best stack of pancakes that you have ever dreamed of or the strangest statue of a dinosaur that you can take a picture with, you will always find yourself joyfully surprised by the small towns the mitten.

  1. Fall Will No Longer Be Just An Excuse To Wear Sweatersdownload (5) michigan

    After you take a road trip in Michigan during the autumn months, you will never think of the season the same. Driving through winding country roads lined with the most beautiful colored trees, will make you truly never want to road trip anywhere else.

  1. It’s Not Just The Back Roads That Make It The Best

    No a good road trip is never complete without discovering the hidden treasures within a new city. Big cities with rich history can change your outlook on what it means to adventure. Cities like Detroit or Grand Rapids are the perfect places to make your next road trip perfect.

images (2) michiganBut honestly, we all know that some cars just won’t make it to see such an amazing road trip. Do you really want to take the chance of losing the opportunity to see all of the amazing wonders that Michigan has to offer? Applying for an auto loan today can make it happen with no sweat. And the only thing left to plan is what snacks to bring.

Click here to learn more about applying for an auto loan.

Why Your Old Car Just Isn’t Cutting It

How many more miles are you willing to waste your money on driving that unsafe hunk of junk you call a car?

Just bare with me for some more reasons why you need a new car.

  1. Good gravy that thing is a death trap. Anything above 65 mph make it start shaking like a leaf. There is a mysterious thud that is calling to impending doom. Generally, nothing about your decision to keep this car for this long is a safe idea.
  2. A fresh start isn’t a bad thing. I’m sure you have tons of good memories in that car. But what about the bad ones? All of the times it left you stranded in the middle of nowhere. All of the sweaty drives that you had to endure in the dead heat of summer without air conditioning. Isn’t it time for some new and better memories?
  3. Do you honestly think that keeping that thing for this long as saved you money? After all of the hours and days in the shop, and all of the wasted gas money (because you know it only gets 16 miles per gallon), and the dates lost after they saw your horrid mess of a car, you have not saved a penny. You may as well have set your wallet on fire.
  4. How much more are you willing to get made fun of by your friends for all of your silly fixes? Is your bumper held on by duct tape… or not on at all? Is your shifter not a shifter at all, but something else that is definitely not being used for it’s intended purpose? I think it’s time for a change.junk-1 car

But worry not! There are options for you. That new car isn’t as unattainable as you think. Apply for a auto loan today and start saving money and start making those new memories.

 

To learn more about applying for an auto loan, click here

 

 

The “Great” American Road Trip

Let’s set the stage for quite an adventure:

Pierce_Stocking_Scenic_Drive_Woods roadSitting in middle of the back seat, uncomfortably wedged between two much older (and much sweatier brothers). Sweat making the hair stick to my forehead because the tiny car from the mid 1980’s had no air conditioning. This car has been selflessly serving our family through many different road trips to football games and drives to Grandma’s house, but this drive from Michigan to South Dakota was no small task for such a worn down car.

I remember it like it was yesterday. The sweat of my brothers still making me incredibly grossed out the only thing to break the silence of our broken am radio was the occasional yell from one of my brothers, “Slug bug!” And they would proceed to shove me either direction trying to get a good punch into the other’s shoulder.

Now, this story may sound like a wholesome tale of the average American road trip. No. This is a cautionary tale to every parent to never make your child go through that mess of a road trip in a car that should have never left the county.

Words Of Wisdom

130912241_0718976864_b roadWhen a road trip is in the works, the only way to truly make it a “great” American road trip is to have the proper vehicle to do it! One that you can rely on to not break down in the middle of nowhere, when you have no service and the nearest exit is 30 miles south. Have a vehicle that you can count on to be the perfect place for laughs, inside jokes, loud singing, and plenty of driving games.

Don’t make the mistake that my parents made, sign up today to get the right auto loan for you so you can redefine the Great American Road Trip!

TO FIND OUT MORE ABOUT APPLYING FOR AN AUTO LOAN, CLICK HERE.

Why A Dog Is The Perfect Driving Buddy

images (3) dog

 

Dogs are known as man’s best friend for a reason. Not only are the loyal to no end, but they are the willing to go with us anywhere. And they do! Nothing makes a road trip better than knowing that you best friend has his head hanging out the window and tongue blowing the breeze.

 

Reasons Dogs Are Perfect Driving Buddies

  1. Dogs will listen to your car horrible singing

    They know how bad you are. And they don’t care at all that you have been singing the wrong lyrics to that song that you won’t take off repeat. All they know is that you are happy and so are they.

  1. Dogs get indescribably excited when getting into a cardownload (2) dog

    If you have ever said the word drive anywhere near a dog, you will understand just how much they adore a good drive. Especially with their best friend (aka: you!).

  1. They will help you get out of your shell

    Dogs have no filter. They want nothing but to love and adventure. So as their best friend, you much adventure with them to new and exciting places.

  1. Dogs will never judge your driving

    You could have the worst driving in the state and your wonderful fluffy best friend will only love you for taking him with you.

cute-dog-in-car-725x544 dogBut no road trip or even a short drive will be right for you and you furry friend if you don’t have the right car. You need a car that will keep your joyful driving buddy safe and comfortable for many adventures to come. Getting that perfect car is much easier than you think! Sign up today to find out more about getting the right auto loan and start your adventure!

TO LEARN MORE ABOUT APPLYING FOR A CAR LOAN, CLICK HERE.