Author Archive: Steve Cypher
Social Security Numbers and Car Loans

For the past two decades at Auto Credit Express, consumers have entrusted us with their personally identifiable information. We have never taken this trust lightly and, during that time, we’ve maintained top marks with the Better Business Bureau as well as Google +.

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Auto Loan Delinquency Rates Continue to Rise

Although the subprime auto loan market continues to thrive, borrowers with large down payments and lower loan to value ratios will continue to have a better chance of getting financed.

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What is a Conditional Sales Contract?

Credit challenged consumers should check their sales contract carefully before signing on the dotted line especially for Conditional Sales Contracts.

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Cities With Worst Traffic This Thanksgiving

More jobs and less expensive gas are usually good things, but throw in the Thanksgiving holiday and drivers across America could be facing longer delays this year as they wend their way to family get-togethers.

That bit of information is courtesy of the annual Thanksgiving Traffic Forecast from INRIX, a big data technology company whose global headquarters are located in Kirkland, Washington.

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Weekly Car Payment Options for Poor Credit Buyers

While Auto Credit Express is not a lender, a number of dealers in our network do offer weekly payment options. Looking at both the indirect monthly subprime loan payment schedule as well as the buy here pay here weekly loan payment schedule, whichever one a consumer chooses will generally depend upon their current credit situation.

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Auto Loan Delinquency Rates Rising

With loan delinquencies on the rise, especially in the subprime sector, buyers who know their credit scores, credit report and have cash down and/or trade equity will have a better chance of getting their car loan application approved.

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Getting a Car Loan with an Expired Drivers License

Despite the fact that a lender can approve a car loan even if the applicant has an expired license, the loan cannot be funded and the title to the vehicle cannot be transferred without a valid insurance policy in the borrower’s name – something that will not happen if the borrower has an expired driver’s license.

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