Category: Auto Loans
Simple Interest Explained

There are a number of advantages to simple interest loans, not the least of which is the ability to pay one off sooner and reduce the interest charges without any penalty. The downside, however, is that additional interest charges and penalties can add up quickly if payments aren’t made on time – especially during the first half of the loan.

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Home for the Holidays: How ACE made it Possible

Here is a real life account of how a young woman named Emily experienced a holiday dilemma, but with a little help from the folks at Auto Credit Express, was able to turn things around to give her story a happy ending.

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What is the Loan Amount if I Have Bad Credit?

The question “How much will I get approved for?”, especially for credit-challenged car buyers, can only be answered after a lender has taken a close look at their income, debts, credit score and other aspects of their credit profile.

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What Does “Pre-Approved” Really Mean?

For the novice car buyer, purchasing a vehicle can be an intimidating process to undertake. What kind of car should you consider? Where should you look? What can you afford? If you get pre-approval for financing, this means that your loan is taken care of before you select a vehicle to purchase.

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Car Loans Hit Record Highs

With monthly payments and loan terms increasing, buyers with poor credit who understand their credit reports, know their credit scores and have at least ten to fifteen percent cash down and/or trade equity will have a better chance of getting their application for an auto loan approved.

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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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