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Ten Easy Steps To An effective Same Day Online Payday Loans Strategy

Average auto loan payments: What to expect in 2023 Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial choices by providing you with interactive financial calculators and tools as well as publishing relevant and impartial content. This allows users to conduct studies and compare data for no cost to help you make financial decisions with confidence. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The offers that appear on this site come from companies that compensate us. This compensation may impact how and when products are featured on this website, for example such things as the order in which they may appear in the listing categories and other categories, unless prohibited by law. Our loans, mortgages, and other home lending products. This compensation, however, does not influence the content we publish or the reviews that appear on this website. We do not cover the universe of companies or financial deals that might be open to you. Image Source: Getty Images/Getty Images

4 minutes read Read Published March 07, 2023

Written by Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in helping readers to navigate the ins and outs of securely borrowing money to purchase cars. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate from late 2021. They are passionate about helping readers to take control of their finances through providing precise, well-studied facts that break down complicated subjects into digestible pieces. The Bankrate promises

More information

At Bankrate we strive to help you make better financial choices. We adhere to the highest standards of editorial integrity ,

This post could contain references to products from our partners. Here’s an explanation for how we earn money . The Bankrate promise

Founded in 1976, Bankrate has a proven track history of helping people make informed financial decisions.

We’ve earned this name for over four decades by simplifying the process of financial decision-making

process and giving people confidence in the decisions they will take next. Bankrate has a very strict ,

You can rest assured that we’re putting your interests first. Our content is created with and edited ,

who ensure everything we publish will ensure that our content is reliable, honest and trustworthy. Our loans journalists and editors concentrate on the points consumers care about most — the various kinds of loans available, the best rates, the top lenders, ways to repay debt, and many more. So you’re able to be confident about investing your money. Editorial integrity

Bankrate follows a strict and rigorous policy, so you can rest assured that we’ll put your needs first. Our award-winning editors, reporters and editors provide honest and trustworthy information to assist you in making the right financial choices. The key principles We respect your confidence. Our mission is to offer readers accurate and unbiased information. We have editorial standards in place to ensure this happens. Our editors and reporters rigorously check the accuracy of editorial content to ensure the information you’re reading is accurate. We keep a barrier with our advertising partners and the editorial team. Our editorial team doesn’t receive direct compensation from our advertisers. Editorial Independence Bankrate’s editorial staff writes in the name of YOU as the reader. Our aim is to provide you the most accurate advice to assist you in making smart financial decisions for your personal finances. We follow strict guidelines to ensure that our editorial content is not affected by advertisements. Our editorial team receives no directly from advertisers, and our content is checked for accuracy to ensure its truthfulness. So when you read an article or a review you can be sure that you’re getting credible and reliable information. How we earn money

If you have questions about money. Bankrate has the answers. Our experts have been helping you master your money for over four decades. We continually strive to provide our readers with the professional guidance and tools required to succeed throughout life’s financial journey. Bankrate follows a strict standard of conduct, which means that you can be sure that our content is honest and precise. Our award-winning editors and journalists produce honest and reliable content that will help you make the right financial choices. The content we create by our editorial staff is factual, objective and is not influenced from our advertising. We’re open about how we are able to bring quality information, competitive rates and useful tools for you , by describing how we earn our money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for the placement of sponsored products and, services, or through you clicking certain links posted on our website. This compensation could influence the manner, place and in what order products appear in listing categories in the event that they are not permitted by law. We also offer mortgage or home equity products, as well as other home loan products. Other elements, like our own proprietary website rules and whether a product is available in the area you reside in or is within your self-selected credit score range could also affect the way and place products are listed on this website. While we strive to provide the most diverse selection of products, Bankrate does not include details about every financial or credit product or service. For many Americans the expense of is one of the biggest hits to their wallets each month, aside from the cost of housing. In the average, motorists are spending over $700 and $500 per month on used and new vehicles and trucks, respectively, as per Experian’s fourth quarter report . Insurance costs on average $2,014 annually according to . This hefty monthly expense is in addition to the increase everywhere from the supermarket to the shopping mall. So while the amount you pay to keep your vehicle on the road is dependent on a variety of variables including how good your credit is, what vehicle you choose and your loan period — they will continue to problems with supply and can add to the cost. So whether you have or are planning to take out your current loan it is essential to know the typical monthly payment and rates so you can feel confident that you are getting the best deal. Car payment statistics The average monthly car payment for brand new automobiles is $716. The monthly average car payment for used cars is $526. 39.5 percent of the vehicles that were purchased in the fourth quarter of 2022 were brand new vehicles. 60.5 of the vehicles that were financed during the fourth quarter of 2022 were brand new vehicles. For those who bought new vehicles by 2022 80.9 decided to borrow money for their vehicle, versus 85.3 percentage in 2021. Financing through credit unions accounted for about 30 percent of auto loans in the same time frame. The cost of insurance for cars is approximately $168 per month. The latest loan amounts are rising 4.04 per cent in the quarter ending in. Automobiles and SUVs increased the share of financing, reaching 60.7 percentage in 2022’s fourth quarter. All-in loan balances increased by 8.56 percent over the same time.

What is the cost of the cost of a downpayment on a vehicle? One option to cut down on the more expensive than usual vehicle expenses that result in expensive monthly payments is to put down the amount of . Down payment refers to the money you have, any value that comes from your vehicle trade-in or rebates. It will save you money before your financing even begins and improve your standing with lenders. A is at minimum 20 percent of an all-new vehicle and 10 if purchasing a used vehicle. In the quarter that ended in the fourth quarter of drivers put down $6,780 for new and $3,921 for used according to . Those buying new vehicles paid 30 percent more than in early 2021. What will my monthly car payment be? The average monthly car payment is determined by more than the cost of the vehicle. The amount you pay is determined by how much you are borrowing to finance the vehicle in order to pay off the loan’s principal, along with your interest rate and loan term. Average

New automobiles

Used cars

Monthly payment

$716

$526

Loan amount

$41,445

$27,786

Rate of interest

6.07%

10.26%

The term “loan”

69.44 months

68.01 months

Monthly car payments, up to the point that the alternative data movement catch up, they serve to be your personal financial DNA and gives lenders an indication of how risky it are to risk. If you’ve got strong credit history, you are likely to get offered higher rates that are competitive. For most, better rates translate to lower monthly installments. Credit score

New cars

Cars that are used

Source: Experian State of Automotive Finance Market fourth quarter 2022

781 to 850 (super prime)

$683

$505

661 to 780 (prime)

$723

$519

601-660 (nonprime)

$753

$541

501 to 600 (subprime)

$746

$542

300-500 (deep subprime)

$700

$524

Average car loan amount Over the past year, the cost of vehicles has increased each month. For January 20, 2023, pre-owned cars cost an average of $27,633 compared to new cars, $49,388 -up from one year ago. The price increases indicate that motorists were taking out more money to finance their vehicles. Credit score

New cars

Used cars

Source: Experian State of Automotive Finance Market fourth quarter 2022

781-850 (super prime)

$37,783

$28,183

661-780 (prime)

$43,001

$29,405

601 to 660 (nonprime)

$44,140

$27,719

501 to 600 (subprime)

$40,737

$23,636

300-500 (deep subprime)

$35,234

$20,325

The average auto loan rates The key to finding the most affordable rate is to compare different lenders. Explore online lenders along with more traditional options for banking before signing off. Credit score

New cars

Used cars

Source Experian State of Automotive Finance Market third quarter 2022

781 to 850 (super prime)

4.75%

5.99%

661 to 780 (prime)

5.82%

7.83%

601 to 660 (nonprime)

8.12%

12.08%

From 501 to 600 (subprime)

10.79%

17.46%

300-500 (deep subprime)

13.42%

20.62%

Average auto loan terms The majority of auto loans are offered in 12 month increments. The most popular terms are 24 to 60 months, but 72months and 84-month terms are becoming more frequent. There’s no one best term and each one is tailored to your budget and requirements. A lower monthly payment means lower costs but higher costs overall. Credit score

New automobiles

Used cars

Source: Experian State of Automotive Finance Market fourth quarter 2022

781 to 850 (super prime)

63.81

65.34

661 – 780 (prime)

70.99

69.04

601-660 (nonprime)

74.48

69.03

From 501 to 600 (subprime)

74.02

66.58

300 to 500 (deep subprime)

73.01

62.95

How to determine how much your car costs In addition to the monthly installment be sure to factor in additional expenses. These include common expenses like maintenance, insurance, and gas. However, you must also set aside funds for unexpected incidents — at the very minimum, enough to cover your deductible. To determine this amount ahead of signing off on a new vehicle, you will have to estimate. Beginning with maintenance on your vehicle using Edmunds’s method to calculate the average cost based on the vehicle you own. Next, add that number to expected insurance costs. While not every state has a requirement for it, the average motorist will need to be able to cover approximately $168 per month. From there, add the estimated cost of fuel. Calculate your car’s miles per gallon and your estimated monthly mileage along with average fuel costs in your region to arrive at the number. Also, consider the registration, fees and taxes you’ll have to pay, along with the . The bottom line is that even though the available rates for financing a vehicle are influenced by a variety of variables that are beyond your control There are still choices you can make that put you in the driver’s seat in the purchase of a car. Consider comparing different rates and button up your credit score in order to qualify for more competitive rates. This is crucial as consumers will be faced with high costs across all areas in the next year. The current interest rates are likely to make monthly payments more expensive therefore, be patient and think about how to cut costs in the .

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The article was written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers to navigate the details of borrowing money to buy cars. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are committed to helping readers gain the confidence to manage their finances through providing clear, well-researched details that cut otherwise complicated topics into digestible pieces.

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Related Articles Auto Loans Read 6 minutes in Mar 02, 2023 auto Loans 5 min read Dec 23, 2022. Auto Loans 3 min read Dec 02, 2022 Auto Loans three minutes read October 20 and 2022.

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Apa yang harus dilakukan jika Anda memenangkan lotre, menurut para ahli

Jackpot Powerball telah berkembang menjadi sekitar $1,5 miliar hanya untuk kedua kalinya dalam sejarah 30 tahun Powerball.

Jackpot saat ini, yang telah menjadi terbesar kedua dalam sejarah Powerball dan jackpot bandar terbesar kelima dalam sejarah lotere AS jika seorang pemain memenangkan undian hari Sabtu, berarti pemenangnya akan pergi dengan uang tunai $ 745,9 juta.

Peningkatan hadiah Powerball terjadi setelah tidak ada tiket yang cocok dengan keenam nomor yang ditarik Rabu malam, dengan pengundian berikutnya berlangsung pada Sabtu 5 November. Pengundian akan menandai undian ke-39 dalam jackpot run, karena tidak ada pemenang hadiah utama sejak 3 Agustus.

Adapun peluang memenangkan hadiah $1,5 miliar, kecil kemungkinannya, mengingat peluang mencocokkan lima bola putih, dalam urutan apa pun, ditambah satu nomor Powerball merah untuk memenangkan jackpot, adalah satu dari 292,2 juta.

Namun, ada juga cara lain untuk menang, dengan Powerball menjelaskan bahwa sebenarnya ada sembilan cara untuk memenangkan hadiah, dan peluang keseluruhan untuk memenangkan hadiah adalah satu banding 24,87.

Meskipun kemungkinan memenangkan jackpot Powerball sangat jarang, itu mungkin, sebagaimana dibuktikan oleh tiga pemenang jackpot Powerball senilai $1,58 miliar pada tahun 2016. Adapun apa yang harus dilakukan jika Anda menemukan diri Anda dengan tiket yang cocok dengan jackpot Powerball, atau bahkan satu untuk hadiah $ 1 juta, para ahli setuju bahwa ada beberapa hal yang harus dipertimbangkan oleh setiap pemenang lotre sebelum membuat keputusan sama sekali.

Buat salinan tiket Anda dan tunda menandatanganinya

Jika Anda berhasil mengalahkan peluang dan menemukan diri Anda dengan tiket jackpot Powerball yang menang, hal pertama yang harus Anda lakukan, menurut para ahli, adalah membuat banyak salinan dan mengambil foto tiketnya.

“Saya akan berfoto selfie dengannya,” Robert Pagliarini dari Pacifica Wealth Advisors sebelumnya mengatakan kepada Today. “Saya akan mengambil video tiket dan saya tersenyum.”

Mengenai apakah Anda harus menandatangani bagian belakang tiket Anda, banyak ahli setuju bahwa Anda harus menunda, karena dapat mengganggu kemampuan Anda untuk tetap anonim.

“Jika klien datang kepada saya, dan mereka memiliki tiket yang tidak ditandatangani di bagian belakang, saya benar-benar dapat melukis gambar apa pun yang mereka inginkan dan merahasiakannya selama proses berlangsung,” kata pengacara Kurt Panouses kepada Fox13. “Jadi memang itu rekomendasi saya, jangan tandatangani bagian belakang tiket, buat saja salinan bagian belakang tiket yang bagus, taruh di tempat yang aman.”

Nasihat yang sama juga diberikan oleh perusahaan asuransi State Farm, yang mencatat bahwa Anda tidak boleh menandatangani tiket Anda karena “dalam beberapa kasus, menandatangani tiket Anda mungkin mencegah Anda menciptakan kepercayaan buta nanti”.

Cobalah untuk tidak membagikan berita

Sementara kemenangan lotere yang mengubah hidup dengan mudah akan menjadi salah satu hal paling menarik yang terjadi dalam hidup seseorang, para ahli juga menyarankan untuk tidak membagikan berita tersebut secara publik.

“Selain pasangan atau pasangan hidup, saya tidak akan memberi tahu siapa pun tentang nasib baik Anda sampai setelah Anda membuat rencana yang solid dengan para profesional,” Laura Adams, penulis Money Girl’s Smart Moves to Grow Rich, mengatakan kepada Today. “Teman dan keluarga yang bermaksud baik mungkin tidak menawarkan nasihat keuangan terbaik kepada Anda.”

State Farm juga menyarankan agar tidak berbagi informasi dengan siapa pun. “Beberapa lotere akan meminta Anda untuk mengumumkan nama Anda, memberikan wawancara atau muncul di konferensi pers. Jika demikian, pastikan untuk mengubah nomor telepon Anda dan menyiapkan kotak PO baru terlebih dahulu untuk menghindari kebanjiran permintaan, “saran perusahaan. “Anda juga dapat mempertimbangkan untuk membentuk kepercayaan buta melalui pengacara Anda untuk secara anonim menerima uang, menjaga nama Anda dari sorotan.”

Konsultasikan dengan penasihat keuangan, pengacara, dan akuntan

Setelah membuat banyak salinan dan menempatkan tiket kemenangan di tempat yang aman, mungkin hal terpenting yang harus dilakukan oleh pemenang lotere adalah membentuk tim penasihat tepercaya, yang terdiri dari penasihat keuangan, pengacara, dan akuntan.

“Anda akan membutuhkan pengacara, akuntan, dan penasihat keuangan yang memiliki pengalaman dengan rejeki nomplok keuangan yang besar – menemukannya harus menjadi salah satu langkah pertama Anda sebelum Anda mengklaim uang Anda,” kata State Farm.

Menurut para ahli, pemenang harus mencari bantuan dari pakar keuangan mengenai pilihan mereka dalam hal hadiah uang mereka, bandar terbesar karena Powerball mencatat bahwa kemenangan jackpot dapat dibayarkan baik sebagai pembayaran lump sum yang didiskon atau anuitas selama 29 tahun atau 30 pembayaran.

“Investasi jangka panjang membutuhkan kebijaksanaan dan pengendalian keuangan, tetapi dengan perencanaan yang cermat, Anda mungkin dapat menumbuhkan kemenangan lump-sum Anda lebih besar daripada pembayaran anuitas di masa depan. Namun, jika Anda memerlukan bantuan struktural untuk mencegah pengeluaran berlebihan terlalu cepat, pembayaran tahunan adalah cara yang solid dan bertanggung jawab untuk memastikan Anda akan terus memiliki penghasilan sepanjang sebagian besar kehidupan dewasa Anda, “catatan State Farm.

Penasihat keuangan juga dapat memberi saran tentang pajak dan membantu pemenang merencanakan tujuan gambaran besar mereka untuk kekayaan baru mereka, sementara pengacara dapat memberi tahu pemenang tentang hak mereka dalam hal tetap anonim.

Buat anggaran dan mulai dari membagikan uang tunai kepada orang-orang terkasih

Meskipun mungkin terdengar menarik untuk mulai menghabiskan jutaan dolar untuk liburan atau rumah mewah, hal terbaik yang dapat dilakukan oleh pemenang lotere adalah membuat anggaran.

“Sadarilah bahwa itu bukan lubang uang tanpa dasar. Jangan menghabiskan banyak uang dengan keyakinan bahwa itu akan bertahan selamanya, “kata Edelman kepada Today. “Penasihat keuangan dapat memberi tahu Anda berapa banyak pendapatan yang dapat Anda terima setiap bulan dari kemenangan Anda – Anda harus hidup dengan jumlah itu atau kurang.”

Namun, itu tidak berarti bahwa Anda tidak dapat berbelanja secara royal, seperti yang Erica Sandberg, ahli keuangan pribadi dan penulis Harapkan Uang: Rencana Keuangan Esensial untuk Keluarga Baru dan Berkembang, mengatakan kepada outlet bahwa ini semua tentang “keseimbangan”.

“Tetapkan anggaran, tetapi juga biarkan diri Anda membeli impian itu. Itu keseimbangan,” katanya.

Pengingat itu sangat penting mengingat “pemenang lotre lebih mungkin untuk menyatakan kebangkrutan dalam tiga hingga lima tahun daripada rata-rata orang Amerika,” menurut CNBC.

Selain anggaran, pemenang lotre juga harus menghindari meminjamkan uang kepada orang yang dicintai, atau siapa pun yang datang mencarinya, seperti yang dikatakan William R Patterson, ketua dan CEO Baron Solution Group, kepada Today bahwa ini adalah “salah satu cara tercepat untuk kehilangan uang. uang Anda”.

“Jangan merasa berkewajiban untuk menyelamatkan, memberi penghargaan, meminjamkan atau memberikan uang tunai kepada teman dan anggota keluarga,” katanya. “Bicaralah dengan penasihat keuangan Anda tentang strategi dan sarana, seperti perwalian, yang memungkinkan Anda membantu orang lain dan juga melestarikan kekayaan Anda. Selain itu, uang tunai dan hadiah lainnya dapat memiliki konsekuensi pajak yang signifikan.”

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Гама Казино официальный сайт: подробный разбор сайта и предложений.

Гама Казино предлагает своим игрокам широкий набор азартных игр, от традиционных слотов и современных разновидностей. В дополнение клиенты имеют возможность с удовольствием сыграть в карточными играми, онлайн казино гама – casino-gama.com, такими как покер или крэпс.

Казино гарантирует надежность и конфиденциальность личной информации своих пользователей а также обеспечивает справедливую игру благодаря лицензии изданной репутабельного регулятора.

В Гама Казино обеспечивает превосходную 24/7 службу поддержки, готовую помощь клиентам в любому вопросу.

казино Гама порадует игроков разнообразной системой бонусов, среди которых приветственные бонусы, бонусы на депозит, а также специальные предложения для постоянных игроков.

Система депозитов и вывода средств на Гама Казино удобна а также быстра. Клиенты могут воспользоваться множеством платежных систем, такими как кредитные карты, электронные платежные системы а также криптовалюты.

казино Гама постоянно обновляет свой ассортимент а также работает со множеством провайдерами азартных игр, например Microgaming и Quickspin. Таким образом обеспечивает игрокам превосходное уровень слотов а также неограниченный игровой процесс.

Приглашаем вас зарегистрироваться в казино Гама и насладиться уникальным атмосферой казино а также сорвать свой куш!

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Finance

Consideration-grabbing Ways To Same Day Online Payday Loans

What is the typical down payment for a car? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial choices by providing you with interactive financial calculators and tools that provide objective and original content. We also allow you to conduct research and analyze data for no cost and help you make financial decisions with confidence. Bankrate has partnerships with issuers including, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The offers that appear on this site are from companies that compensate us. This compensation could affect how and when products are featured on this website, for example, for example, the order in which they may appear in the listing categories, except where prohibited by law. Our mortgage or home equity products, as well as other products for home loans. However, this compensation will have no impact on the information we provide, or the reviews that appear on this website. We do not contain the universe of companies or financial offerings that might be open to you. EXTREME-PHOTOGRAPHER/Getty Images

3 min read Published October 20, 2022

Written by Allison Martin Allison Martin Written by Allison Martin’s work started over 10 years prior to that as a digital content strategist, and she’s since been published in several leading financial publications, including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com. Written by Rhys Subitch Edited by Auto loans Editor Rhys has been editing and writing for Bankrate from late 2021. They are dedicated to helping their readers gain the confidence to control their finances with clear, well-researched facts that break down complicated subjects into digestible pieces. The Bankrate promises

More information

At Bankrate we aim to help you make better financial decisions. We are committed to maintaining strict journalistic integrity ,

this post may contain the mention of products made by our partners. Here’s an explanation for how we make money . The Bankrate promise

Founded in 1976, Bankrate has a long track history of helping people make smart financial choices.

We’ve been able to maintain this status for more than four decades through simplifying the process of financial decision-making

process, and giving people confidence in which actions to do next. Bankrate follows a strict ,

You can rest assured you can trust us to put your needs first. All of our content is written with and edited

They ensure that what we write will ensure that our content is reliable, honest and reliable. Our loans reporter and editor concentrate on the things that consumers care about the most — the various types of loans available, the best rates, the top lenders, how to pay off debt and more — so you’ll be able to feel secure when making your decision to invest your money. Integrity in editing

Bankrate follows a strict and rigorous policy, so you can rest assured that we’ll put your needs first. Our award-winning editors and journalists provide honest and trustworthy information to aid you in making the best financial decisions. Key Principles We appreciate your trust. Our aim is to provide our readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters rigorously fact-check editorial content to ensure that the information you’re reading is accurate. We keep a barrier between our advertisers and our editorial team. Our editorial team does not receive any direct payment through our sponsors. Editorial Independence Bankrate’s editorial staff writes in the name of YOU as the reader. Our aim is to provide you the most accurate advice to aid you in making informed personal finance decisions. We adhere to strict guidelines in order in order to make sure that the content we publish isn’t influenced by advertisers. Our editorial team is not paid any compensation directly from advertisers and our content is thoroughly fact-checked to ensure accuracy. Therefore when you read an article or a review, you can trust that you’re receiving reliable and dependable information. What we do to earn money

There are money-related questions. Bankrate has the answers. Our experts have been helping you manage your money for over four years. We are constantly striving to provide our readers with the professional guidance and tools required to be successful throughout their financial journey. Bankrate follows a strict policy, which means you can be confident that our content is truthful and precise. Our award-winning editors, reporters and editors create honest and accurate information to assist you in making the right financial decisions. The content we create by our editorial team is objective, factual, and not influenced by our advertisers. We’re open about the ways we’re able to bring quality content, competitive rates, and helpful tools for you , by describing how we earn money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for the placement of sponsored products and, services, or by you clicking on specific links on our site. Therefore, this compensation may affect the way, location and in what order items appear within listing categories and categories, unless it is prohibited by law for our mortgage, home equity and other home lending products. Other factors, like our own rules for our website and whether a product is offered in your region or within your personal credit score can also impact the way and place products are listed on this site. While we strive to provide the most diverse selection of products, Bankrate does not include specific information on every credit or financial item or product. New and used car prices have risen dramatically, forcing people to pay more expensive monthly payments. A lot of people are digging to their bank accounts in order to save . But exactly how much money should you invest to secure a ? Many financial experts suggest between 10 and 20 percent. It’s important that you assess your financial situation and determine a figure that works for your budget. Average car loan down payment In the first quarter of 2022 the typical down payment for the purchase of a brand new car was $ , in accordance with Edmunds. This is a steep increase of 27 percent from just a year ago and is the highest it has ever been. The median down payment on used vehicles was less at $3,574 in the same time. Still, this figure is 7 percent higher than it was one year ago. With the current conditions in the market, elevated down payments aren’t surprising. Prices for used and new vehicles also hit record highs during the first period of the year 2022. The average automobile loan amounts was $39,340 and $308,830 for used and new vehicles, respectively, compared to $35,040 and $23,958 in the fourth quarter of 2021. What should a car down amount be? Financial experts suggest that you make a down payment of at minimum 20 percent when financing the purchase of a . This may be a little too high for some, particularly in light of the recent increase in new and used vehicle costs. For example the 20 percent down payment for an automobile worth $35,000 is $7000. There are a few advantages of putting such an sum down. You could boost your approval odds and qualify for better interest rates. In addition, your monthly payment will be lower, in addition, you’ll have to pay lower interest over the duration of the loan. If you have a substantial amount of savings, placing this amount down may not be an issue. Otherwise, it’s not worth depleting your savings account to make an investment. You could also get closer to the suggested 20% down payment. If not, aim for 10 percent since this amount is still acceptable to most lenders. Make sure to only pay what you are able to manage to afford. Do I have the ability to buy a vehicle without a down amount? Some dealers will allow you for financing with a low or no down payment, based on your credit scorehowever, these loans generally carry higher cost of. If you’re fortunate enough to be eligible for an unsecured loan, without the need to make a deposit this might not be a bad idea. You can invest the money to build up your savings instead of using it for the down payment. These loans generally require good credit. Still, there’s a significant chance to consider. If your car is totaled and you don’t have the funds, you may have to pay any difference in what your insurance company will pay your lender and the amount you have to pay. How to determine a down payment Bankrate’s will help you estimate potential cost savings by putting cash down or trading the vehicle you have. You’ll need the purchase price, loan term, interest rate, tax rates (federal and local) as well as the maximum and minimum down payment amounts to get started. To illustrate, assume you’re approved for a 4 year, $25,000 auto loan with a rate of 6 percent. You you can deposit up to $2500 (or 10 %) or $4,000 (or 16 percent) down. This is how you can apply the calculator Step 1: Type in $4,000 and $2,500 in the maximum and minimum down payment boxes. Step 2: Input the purchase price of $25,000 as well as the loan period of 48 months and an interest rate of 6 percent into the boxes labeled. Step 3: Input the amount you believe you would earn from the down payment if you invest it instead. In this case, you can choose 3 percent. Step 4: Enter the federal and state tax rates. Apply 7 percent to this situation. Based on these numbers for a monthly payment, the amount with a $2,500 down payment is $528.41 as compared to $493.41 for an $4,000 down. If you put more down it would save you $109.86 per month or $3,773.28 over the course of the loan. Why a down payment is crucial Besides the significant savings in cost and lower monthly payments, here are a few additional reasons why better loan terms: A higher down payment can get you a loan , typically in the form of a lower interest rate. Increased equity: You’ll be starting having equity within your vehicle when you pay a down payment and you’ll have to pay less than the value of your car is worth. This protects you from being and being required to pay for the extra amount if you choose to sell your vehicle and trade in the vehicle soon after you’ve taken away the loan. Next steps Although the average vehicle loan amount is increasing but you’re not completely out of luck if you aren’t able to pay for it with money. Aim for a down payment of at least 10 , or work with a lender willing to accept less if you don’t have the money. Try to bring some of your own assets to discuss. Even a small down payment may help you secure an auto loan with fair terms . It will also reduce the chance of having to pay more than your vehicle is worth early in the loan term. Make use of our calculator for down payments prior to shopping for a car to figure out price points that work with your preferred down payment amount. Learn more

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Allison Martin’s work began over 10 years ago when she was a digital content strategist, and she’s since been published in various top financial media which include The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are enthusiastic about helping readers gain the confidence to manage their finances with clear, well-researched details that cut otherwise complex topics into manageable bites.

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Electric Vs. gas vehicles: Which one is better? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial choices by offering you financial calculators and interactive tools that provide objective and unique content. This allows you to conduct research and compare information at no cost and help you make financial decisions with confidence. Bankrate has agreements with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are displayed on this site come from companies who pay us. This compensation may impact how and where products are displayed on this site, including, for example, the sequence in which they appear within the listing categories, except where prohibited by law. This applies to our mortgage or home equity, and also other products for home loans. This compensation, however, does not influence the information we publish, or the reviews that you see on this site. We do not include the vast array of companies or financial offerings that could be available to you. Thomas Barwick/Getty Images

8 minutes read. Published August 15 2022

Authored by Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers to navigate the ins and outs of securely taking out loans to buy an automobile. Written by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are passionate about helping readers gain the confidence to take control of their finances through providing precise, well-researched and well-studied facts that break down complicated topics into bite-sized pieces. The Bankrate promises

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At Bankrate we aim to help you make better financial choices. We are committed to maintaining strict editorial integrity ,

This article may include the mention of products made by our partners. Here’s an explanation for how we make money . The Bankrate promise

In 1976, Bankrate was founded. Bankrate has a long track record of helping people make informed financial decisions.

We’ve earned this name for over four decades by simplifying the process of financial decision-making

process, and giving people confidence about the actions they should do next. Bankrate follows a strict ,

so you can trust you can trust us to put your needs first. All of our content is written in the hands of and edited by ,

who ensure everything we publish will ensure that our content is reliable, honest and trustworthy. We have loans reporters and editors concentrate on the areas that consumers are concerned about the most — various kinds of lending options, the best rates, the best lenders, the best ways to pay off debt and more — so you’ll feel safe making a decision about your investment. Editorial integrity

Bankrate adheres to a strict code of conduct and rigorous policy, so you can rest assured that we’ll put your needs first. Our award-winning editors and journalists create honest and accurate information to assist you in making the right financial choices. The key principles We respect your confidence. Our aim is to provide readers with accurate and unbiased information. We have editorial standards in place to ensure that happens. Our reporters and editors thoroughly verify the truthfulness of content in order to make sure that what you read is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation by our advertising partners. Editorial Independence Bankrate’s editorial team writes on behalf of YOU the reader. Our aim is to offer you the best advice that will help you make smart personal financial decisions. We adhere to strict guidelines for ensuring that editorial content is not in any way influenced by advertising. Our editorial team is not paid direct compensation from advertisers, and our content is fact-checked to ensure accuracy. So whether you’re reading an article or reviewing it is safe to know that you’re getting credible and reliable information. What we do to earn money

If you have questions about money. Bankrate has answers. Our experts have been helping you manage your money for over four decades. We are constantly striving to give our customers the right advice and tools needed to succeed throughout life’s financial journey. Bankrate adheres to a strict code of conduct , so you can trust that our content is honest and precise. Our award-winning editors and reporters produce honest and reliable content that will help you make the best financial decisions. Our content produced by our editorial team is factual, objective, and not influenced by our advertisers. We’re open about the ways we’re able to bring quality content, competitive rates and helpful tools for you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or through you clicking certain hyperlinks on our website. So, this compensation can influence the manner, place and in what order items are displayed within the categories of listing, except where prohibited by law. This is the case for our mortgage, home equity and other home loan products. Other factors, like our own proprietary website rules and whether or not a product is available within your region or within your self-selected credit score range can also impact the way and place products are listed on this site. Although we try to provide a wide range offers, Bankrate does not include details about every credit or financial products or services. One-in-four new car shoppers now consider purchasing an or hybrid just as they would with the traditional gas-powered vehicle as per (KBB). The choice of electric — or an alternative fuel vehicle can prove to be worthwhile for both your wallet as well as the environment. However, before you go to the dealership it is recommended to research electric car options and understand the difference in cost of ownership. What is an electric car? EVs have been exploding in popularity in recent years particularly as awareness of the environmental issues continues to evolve. This, along with rising gas prices, has led to drivers looking to save money driving electric. Instead of the usual gas-powered vehicles that line the highways and parking areas, EVs have a motor that is powered by a battery. There are three types that are electric cars. Hybrid electric vehicles (HEVs) powered by an electric motor and the internal combustion engine HEVs boast the strength of a traditional gas-powered vehicle but with the added benefit of better performance and fuel efficiency. There is no charge for an HEV as you would with its EV counterparts but rather it charges the battery through the engine. There is a wide range of brands and models of HEVs available in the marketplace. The top-rated models as per KBB include those like the Honda Accord Hybrid, the Toyota RAV4 Hybrid and the Hyundai Elantra Hybrid. Plug-in hybrid electric vehicle (PHEVs) Plug-in hybrids is exactly as it sounds, a hybrid vehicle that you plug in to charge. It is powered by an internal battery within the vehicle that is recharged by the external cables. They also make use of another fuel, usually gasoline, to power the internal combustion engine (ICE). The vehicle makes use of the electric charge until it is consumed and then taps the ICE capabilities. The choices for PHEVs can be less limiting, however KBBs standout options include those of the Ford Escape SE Plug-in Hybrid as well as the Hyundai Tucson Plug-in Hybrid as well as the Kia Niro Plug-in Hybrid. Electric vehicles that are fully electric (EVs) The fully electric vehicle is a step up and is powered completely with an electric motorthere is no ICE or alternative fuel source involved. These vehicles have a battery pack that powers the vehicle . It is charged in the same method to PHEVs. They are charged via an outlet that is specifically designed for them. Although charging stations can be located in the local area, it is crucial to consider the additional expense of a charging station if considering a full EV. KBBs favorite fully EV choices are the Chevrolet Bolt EV, the Nissan Leaf and the Ford Mustang Mach-E. Cost of electric vs. gas cars Before diving headfirst into the world of hybrid and electric cars, it is essential to know the differences in price between electric and gasoline. While it is true that driving an EV will have less overall cost, the upfront price tag is an obstacle for many. In recent times, purchasing a new car can be expensive regardless of its power source. July 2022 saw record-breaking price for new cars that exceeded $48,000, according to . However, the cost for an EV is higher than that of a gasoline-powered vehicle. According to the KBB estimates for an EV exceeds $60,000which is in line with the average price for a luxury car. It is expected that to be that the EV market will reach 40 percent by 2031, according to . This estimation is supported by the increasing number of vehicles entering the market. This increase in EV availability is an equalizer. As more drivers consider purchasing electric vehicles their costs will go down. This growth is already clear in the number of new options that are coming onto the market. The first quarter in 2022, 4.64 percent of new vehicle registrations were electric vehicles, while 7.18 percent of them were hybrids as per Experian’s report on automotive market trends. This made for a 60.4 percent growth for EVs over one quarter in 2022, and the same for hybrids, with a 10.7 percent growth for hybrids. Cost to own electric vs. gas vehicles While the initial cost of your next vehicle is important you must also understand the expense of maintaining and maintain the car over the course of its ownership. Look at the five-year cost-to-own comparision for two popular sedans according to Edmunds. The first, a 2022 Chevrolet Bolt EV, comes with a price tag of $31,955 and has a large range, spacious cabin and a well-rated handling. The other, a 2022 Mazda 3, is a popular gas-powered option with a lower MSRP of $24,115 that offers premium interiors as well as a smooth ride. an engine that is turbocharged. Think about how the costs accrued over five years of vehicle ownership influence which vehicle you would prefer. 2022 Chevrolet Bolt EV

2022 Mazda 3

Vehicle depreciation

$8,767

$6,700

Taxes and fees

$2,603

$1,814

Financing

$2,921

$2,309

Fuel

$2,283

$11,255

Insurance

$5,411

$3,941

Repairs

$731

$666

Maintenance

$2,806

$4,592

The true cost of owning

$25,522

$31,277 Fuel On a basic scale, driving an electric vehicle means no more trips to the gas station. A study conducted in 2020 found that EV owners will spend on average 60 percent less to fuel their cars. The cost difference of fuel between the Chevy as well as the Mazda is even steeper than that average. But getting power for your electric vehicle isn’t as simple as choosing regular middle-priced or premium. Electric vehicle charging can be divided into three options that all come with different costs and advantages. One charging. This is the most commonly used form of charging and is accessible through the same outlet you would charge your smartphone with. They are the least efficient charging options that provide anywhere between 2 and 5 miles charging per hour. Level two charging. These chargers, typically installed and located in your garage utilize the same power as your washing machine. It is possible to gain between 10 and 20 miles of charging in just an hour. Level 3 charging. Also called DC charging They are available in public spaces. They’re the most efficient method and motorists can receive the full charge of 80 percent in only 20 minutes. Just as running your washing machine several times in succession will increase your electricity bill, the additional cost incurred when charging at home can increase. This cost per month is added to the initial cost to set up an at-home charging station that can vary from $300 to $50,000 dependent on the capacity of the charger. However, keep in mind that many communities now have access to chargers, so you may not be required to pay for installation right away. Take a look at the free map of electric vehicle stations to see chargers in your local area. Finance Although you are able to finance a car- electric or gas powered — apply online or in person with a few lenders before picking the green car may come with additional benefits. For those who want to finance an electric car. These types of loans are typically found through a credit union and generally offer lower rates of interest than conventional auto loans. You could also be eligible for a financial incentive that is available in certain states of the U.S. You can benefit from a credit amounting up to $7500, based on your home state. Insurance Insuring your car is a vital part of the ownership process that will protect you along with your passengers. carries the same approach you would take to cover the standard vehicle options. It will cover bodily injury, collision responsibility and comprehensive insurance. As with all vehicles, your exact price will be based on a variety of aspects. But insurance for an EV is typically more expensive than traditional gas-powered options. One reason could be the price of the vehicle parts. A minor accident could result, for example, in the need for a replacement battery which could be over $15,000. Bankrate looked at 12 models of vehicles supplied by Quadrant Information Serves and discovered that, on average, premiums will be higher for electric vehicles. This is evident by the higher insurance rates projected for the Bolt over the Mazda 3. Pros as well as cons for electric vehicles electric vehicles may provide a drive which is healthier for the planet and your pocket in the long run however, they’re not without disadvantages. The advantages of electric vehicles Some benefits to driving an electric car are the following: less maintenance. Electric cars need fewer trips to the mechanic, which can mean lower costs for expenses, such as oil changes and brake system inspections. A lower cost for the life of the car. Car ownership can be costly however EVs carry a lower lifetime cost. More sustainable environmentally. EVs do not release pollutants from tailpipes and are therefore more suitable for local air quality as well as overall emission of greenhouse gases. Modern technology is can be found. Many newer electric car models come with advanced control panels as well as mobile apps to control and monitor the car. The cons of electric cars A few disadvantages of driving an electric car include: Higher purchase cost. In the average, purchasing an EV comes with a higher price upfront, averaging $12,000, as per KBB’s July 20, 2022 average transaction costs. The fear of range. Charging stations can be a bit scarce and far-fetched in some locations, leaving motorists feeling anxious when looking for a place to get power. Faster vehicle depreciation. The deterioration of batteries and incentives for vehicles create quick value loss when it comes to electric cars. The cost of installing a charging station. If you prefer the convenience of charging at home, installation can cost up to $50,000. Are electric cars the right choice for you? if your next set of wheels is electric, it should be considered in the same way that you’d choose the model or design of traditional vehicle is best for you.be aware of your lifestyle and preferences. If your commute works with the available range and the range of options an electric vehicle offers, or if you are a fan of the sleek look and environmental benefits, then an electric car may be a great option. But if jumping into a full EV is too much of a financial commitment, you might want to think about the option of a hybrid or plug-in when you’re planning to purchase. Hybrids and plug-ins generally be less expensive upfront and offer the same money-saving advantages that an electric car can offer. Take note of these key aspects when shopping for a car to make sure that you’re choosing an EV is worth your investment. The range of the vehicle If you’re on a long commute to work and don’t have access to charging stations on the way or at your destination, think about the range of the car you are considering buying. The typical battery’s range will differ significantly based on the car model. Be careful not to purchase a car you cannot easily keep charged to go on your daily excursions. Access to chargers Before going to the dealer to look around look for chargers in your neighborhood or think about the expense of the installation and maintenance of an in-home charging station. This involves weighing the level one, two, and three options with your needs. Your lifestyle. Not only is it crucial to think about your life style in terms of appearance but also as a the way of function. Electric vehicles tend to function differently than what you may be used to. Due to its reliance on regenerative braking, as an instance, you could expect slower brakes but more smoother overall experience. The final result The cost to own an EV can be less expensive than an alternative powered by gas. Even with steeper vehicle depreciation as well as higher insurance costs and financing costs, the lower maintenance cost and the five-year period for owning an EV makes it a promising option. As a car buyer it is crucial to decide which expenses matter the most to you and whether EV will fit into your lifestyle. FAQs How long does it take to charge an electric vehicle? Based depending on the dimensions of the battery, the process can take as few as 30 minutes or as long as 12 hours. It is recommended to fill up your EV in smaller amounts instead of all at once in order to lessen the charge time. What’s the price to charge an electric car? While the exact price to charge will differ by region due to the different electricity costs, the price is determined by the range available and cost per Kilowatt (kWh). In California for instance the average electricity price is 18 cents for every kWh, therefore an electric vehicle with a 150-mile range would fall somewhere around $7 for a full charge. What is the length of time electric car batteries last? The batteries found in an EV will last between 10 and 20 years until they need a full replacement.

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The article was written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers to navigate the details of borrowing money to purchase an automobile. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers gain confidence to manage their finances with concise, well-researched and well-organized facts that break down complicated topics into digestible pieces.

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How to avoid buying a water-damaged car Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make smarter financial decisions by providing you with interactive financial calculators and tools that provide original and impartial content, by enabling users to conduct research and compare information for free – so that you can make sound financial decisions. Bankrate has agreements with issuers including, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this website are provided by companies that compensate us. This compensation may impact how and where products appear on this website, for example such things as the sequence in which they appear in the listing categories in the event that they are not permitted by law. This applies to our loan products, such as mortgages and home equity, and other home lending products. However, this compensation will affect the information we provide, or the reviews you see on this site. We do not include the vast array of companies or financial deals that might be open to you. Luis Diaz devesa/Getty Images

5 min read Published June 22, 2022

Written by Mia Taylor Written by Contributing Writer Mia Taylor is a contributor to Bankrate and an award-winning journalist who has two decades of experience and worked as a staff reporter or contributor for some of the nation’s leading newspapers and websites including The Atlanta Journal-Constitution, the San Diego Union-Tribune, TheStreet, MSN and Credit.com. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since the end of 2021. They are dedicated to helping readers gain confidence to take control of their finances through providing precise, well-researched, and well-researched data that breaks down complicated subjects into bite-sized pieces. The Bankrate promises

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At Bankrate we strive to help you make better financial decisions. We adhere to the highest standards of editorial integrity ,

this post may contain some references to products offered by our partners. Here’s a brief explanation of how we earn our money . The Bankrate promise

Founded in 1976, Bankrate has a proven track experience of helping customers make wise financial decisions.

We’ve earned our reputation for more than four decades through simplifying the process of financial decision-making

process, and giving people confidence in the decisions they will do next. process and gives people confidence in the next step.

So you can be sure that we’ll put your interests first. Our content is created in the hands of and edited by

who ensure everything we publish will ensure that our content is reliable, honest and trustworthy. Our loans reporters and editors concentrate on the points consumers care about the most — the different types of lending options as well as the best rates, the most reliable lenders, how to repay debt, and much more. So you’ll be able to feel secure when making your decision to invest your money. Editorial integrity

Bankrate has a strict policy standard of conduct, which means you can be confident that we’re putting your interests first. Our award-winning editors and journalists produce honest and reliable information to help you make the right financial choices. Key Principles We respect your confidence. Our goal is to provide our readers with truthful and impartial information. We have standards for editorial content in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We keep a barrier between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Editorial Independence Bankrate’s team of editors writes for YOU the reader. Our aim is to provide you the most accurate advice to aid you in making informed financial decisions for your personal finances. We follow strict guidelines to ensure that our editorial content is not in any way influenced by advertising. Our editorial staff receives no directly from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review it is safe to know that you’re getting reliable and dependable information. How we make money

If you have questions about money. Bankrate has answers. Our experts have been helping you master your money for more than four years. We strive to continuously give consumers the professional guidance and tools required to make it through life’s financial journey. Bankrate adheres to a strict code of conduct standard of conduct, so you can rest assured that our information is trustworthy and reliable. Our award-winning editors and journalists provide honest and trustworthy content to help you make the right financial decisions. Our content produced by our editorial staff is factual, objective and uninfluenced by our advertisers. We’re honest about the ways we’re capable of bringing high-quality information, competitive rates and useful tools to our customers by describing how we earn our money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated for placement of sponsored products or services, or when you click on certain links posted on our website. This compensation could affect the way, location and in what order products appear within listing categories, with the exception of those it is prohibited by law in the case of our home equity, mortgage and other products for home loans. Other factors, like our own proprietary website rules and whether a product is available within your region or within your personal credit score could also affect the manner in which products are featured on this website. We strive to provide a wide range offers, Bankrate does not include details about every financial or credit product or service. Car buyers throughout the nation are susceptible to the effects of catastrophic floods, if they do not know to purchase water-damaged cars. Used and new vehicles that have been damaged by significant flood events like the Hurricane Ida which hit 2021 in the year 2021 can be brought to market after the storm. Carfax reports that as high as 212,000 vehicles could have been damaged by the hurricane Ida. If flood-damaged cars are sold to buyers who are not aware of the damage, they often have expensive mechanical and electrical problems that are discovered several months later. Even if you don’t live in a region where flooding is common you could still purchase a car that has water damage. Carfax research has also revealed that damaged vehicles with water damage are found everywhere, which means that buyers from coast to coastline are in danger of buying an affected car due to flooding. How to tell if an automobile is damaged by water? Damaged cars from water can be difficult to recognize. They usually look good and could even run for a little while. However, eventually you could face problems as flooded cars decay from the inside out. Here are a few indicators that your car could be damaged by water smell musty A car’s interior that has been damaged by water cars will often smell musty. Sellers who are not reputable may attempt to cover up the smell using strong air fresheners, however it can be very difficult to truly get rid of a car’s smelly moldy smell. One way to test how a car smells is to lie in the car and shut the windows. Carpets that are damp or wet: Water damage can collect in areas you cannot immediately see such as underneath carpeting. Take a look at the carpets in the car and pat them to try and locate any possible moisture buildup. Also, check the trunk, even removing the spare tire to check for any evidence of water under it. Upholstery that is stained or not matching and carpeting: Another sign that water has damaged your vehicle is to see a car that has stained or loose carpeting and upholstery. Check for brown, blotchy stains, which are signs that water has damaged the car. When you conduct inspections, check the carpeting on the floor with carpeting on the doors and the roof. All of them should appear like they are of the same age and color. Rust: A vehicle with water damage may be covered in rust on the doors, in the hood, and even under the dashboard. Screws, door hinges as well as trunk latches, and door handles could be showing signs of rust. Brittle wires: Check under the dashboard if you believe that your vehicle may be suffering from water damage. The presence of brittle wires may indicate that the vehicle is a victim of an event that caused water of some type. Fog or moisture beads: If your vehicle’s interior lights instruments, exterior lights, or lights look foggy or have water beads within them, consider it an indication that the vehicle might have water damage. Silt or mud buildup: When there is a flood, water can carry mud and dirt into vehicles. When the flood is over, the dirt will remain. Some places to check for silt and mud are the trunk, glove compartment, under the dashboard, and beneath the seats. Four tips to avoid purchasing an automobile that is flooded If you think that your vehicle might have water or flood damage it is important to do research and determine whether your suspicions are right. There are numerous tools available to aid you in getting to the bottom of this important issue, and also warning signs to look out for. 1. Conduct a car history check The process of running a car history report can help uncover issues with your car prior to you buy. A sure sign of a water-damaged car can be seen in the way it is identified as such. Departments of motor vehicles need permanent title marks on vehicles that were badly affected by flooding. If the vehicle was declared totaled, it is required to get a new title entirely that’s branded “salvage” as well as “flood.” The title will be determined by the stateof the vehicle the fact that this happened could be indicated with a numeric code. Carfax and Experian offer flood check tools that permit users to conduct an independent check on the past of a car. The platforms require only the VIN of the vehicle in question. When looking through a car’s history take a look for vehicles originating from areas damaged by floods. The National Insurance Crime Bureau also provides online VIN checks that allow customers to determine if a car has been declared salvaged. You should look at a vehicle’s history report to determine if the vehicle has been sold several times over a short period of time. Be particularly leery of any history that includes buyers in multiple states. This could be a sign of what’s known as car “title washing,”” in which unscrupulous sellers change the title of a car repeatedly to hide the car’s history. 2. Examine for signs of water damage Cars that are submerged in water often have evident signs, but they may be subtle, especially if the car has been cleaned up for sale. Pay attention to musty or moldy smells, including those coming through the system for controlling temperature. Note any stains that appear on the car’s interior or engine compartment, as well as on the trunk. Sand, dirt or mud in odd spots and seat belts that sound sluggish when they are extended or pulled back are all signs of damage from water. It is also essential to try driving a car, especially one you think could be affected by flooding or water damage. Hints to watch out for while you’re driving include malfunctioning electrical systems as well as infotainment systems, which will act up if they have been affected by water. Also, observe for smoke while you test drive. 3. Be wary of cars that are priced lower than market value There’s a reason for the adage about things being too great to be true. It’s the case with cars that are priced way below actual value. This is usually a red flag that something is wrong. Find the average selling price of the vehicle you are considering buying on independent vehicle pricing sites such as Edmunds as well as Autotrader. A car that is new or used that is priced lower than market value is an indicator the seller is anxious to dispose of it. Buyers need to be careful when a car is being offered at a steep discount. As well as asking questions regarding the reason why the car is being offered at a lower price than what it is an offer, it could be recommended to get the vehicle looked at by a professional who can find any issues. 4. Take a professional inspection generally a wise idea to engage a certified mechanic automotive technician to examine a vehicle prior to you purchase it, but it’s even more critical to take this step to protect yourself from damage caused by water on your car. A professional can help calm your mind, especially if the car you are contemplating buying has one or more of the warning signs mentioned below. Be sure that the inspection does not just include obvious indicators of water damage but also a thorough test of all electronic equipment, as issues that are related to these systems may take months to surface. Although a pre-purchase inspection generally be paid for by the buyer, it’s money well spent in the event that it stops you from getting the car that’s an absolute lemon. Expect to pay from $100 to $200 for an inspection. What do you do if bought a vehicle that is damaged by water you’ve purchased a car with water damage, it may not be lost. Repairs can be made to the car by contacting an experienced mechanic. However, remember that these are not do-it-yourself fixes. You’ll need professionals with extensive knowledge of cars. Also, keep in mind that fixing an affected vehicle after a flood won’t cost a lot, so you’ll want to determine whether the vehicle is worth the expense. Particularly since damaged cars from floods generally don’t have a potential for resales. The bottom line Flood-damaged vehicles are utilized throughout the nation. If you think that a vehicle could have been affected through flooding or any other type of water event there are a variety of steps you can follow, such as obtaining a vehicle history report, examining for telltale signs of water damage and having the car inspected by a qualified professional. Keep in mind that even if aren’t in a region that has been affected by flooding, you might not be aware of an automobile that has been damaged by water. Learn more

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Written by Contributing Writer Mia Taylor is a contributor to Bankrate and an award-winning journalist who has two decades of experience and worked as a staff reporter or contributor for some of the nation’s leading newspapers and websites including The Atlanta Journal-Constitution, the San Diego Union-Tribune, TheStreet, MSN and Credit.com. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are committed to helping readers to control their finances with concise, well-researched and well-researched content that breaks down complicated topics into digestible chunks.

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Car-lease incentives: what you need to know Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial decisions by providing you with interactive financial calculators and tools as well as publishing honest and original content. This allows users to conduct research and compare information for free to help you make informed financial decisions. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The deals that are displayed on this website are provided by companies that pay us. This compensation may impact how and where products appear on this website, for example for instance, the order in which they may appear in the listing categories and other categories, unless prohibited by law. Our mortgage home equity, mortgage and other products for home loans. But this compensation does have no impact on the information we provide, or the reviews you see on this site. We do not include the vast array of companies or financial offerings that could be accessible to you. Westend61/Getty Images

4 min read Published 27 October 2022

Written by Anna Baluch Written by Contributing writer Anna Baluch is a former Bankrate contributor. She is a personal finance freelance writer from Cleveland who enjoys writing about debt, mortgages as well as student loans and private loans as well as auto finance. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are dedicated to helping readers gain confidence to take control of their finances with precise, well-studied information that breaks down complex topics into manageable bites. The Bankrate promises

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At Bankrate we aim to help you make smarter financial decisions. We adhere to the highest standards of journalistic integrity ,

This post could contain the mention of products made by our partners. Here’s an explanation for how we earn money . The Bankrate promise

In 1976, Bankrate was founded. Bankrate has a long experience of helping customers make informed financial decisions.

We’ve maintained our reputation for over 40 years by simplifying the process of financial decision-making

process and giving people confidence in which actions to take next. process that is based on a strict ,

So you can be sure that we’ll put your interests first. Our content is written with and edited ,

who ensure everything we publish will ensure that our content is reliable, honest and trustworthy. The loans reporter and editor focus on the points consumers care about the most — different kinds of loans available as well as the most favorable rates, the most reliable lenders, the best ways to pay off debt and more — so you’ll feel safe investing your money. Integrity in editing

Bankrate follows a strict , so you can trust that we put your interests first. Our award-winning editors and journalists provide honest and trustworthy information to aid you in making the best financial decisions. The key principles We appreciate your trust. Our aim is to provide our readers with truthful and impartial information, and we have standards for editorial content in place to ensure that happens. Our reporters and editors thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall with our advertising partners and the editorial staff. The editorial team of Editorial Independence Bankrate does not receive compensation directly through our sponsors. Editorial Independence Bankrate’s team of editors writes for YOU the reader. Our aim is to offer you the most relevant information to assist you in making smart personal finance decisions. We adhere to strict guidelines in order to ensure that our editorial content is not in any way influenced by advertising. Our editorial team is not paid any compensation directly from advertisers and our content is thoroughly checked for accuracy to ensure its truthfulness. So when you read an article or a review you can be sure that you’re receiving reliable and reliable information. What we do to earn money

There are money-related questions. Bankrate has answers. Our experts have helped you understand your money for over four years. We are constantly striving to give our customers the right advice and tools required to make it through life’s financial journey. Bankrate follows a strict policy, which means you can be sure that our content is honest and reliable. Our award-winning editors and journalists create honest and accurate content to help you make the right financial decisions. The content we create by our editorial staff is factual, objective, and not influenced by our advertisers. We’re open about the ways we’re in a position to provide quality content, competitive rates, and helpful tools to you , by describing how we earn our money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for the promotion of sponsored goods and services, or by you clicking on specific links that are posted on our site. So, this compensation can impact how, where and in what order products appear in listing categories in the event that they are not permitted by law. This is the case for our mortgage or home equity products, as well as other products for home loans. Other factors, like our own website rules and whether or not a product is available within your region or within your self-selected credit score range may also influence how and when products appear on this website. Although we try to offer a wide range offers, Bankrate does not include details about each credit or financial item or product. If you are considering leasing a car there are some important aspects you should know about the incentives that may be offered. The incentives for leases on autos are not exactly the same as incentives offered when you purchase a new vehicle. And it’s vital to understand the ins and outs of these benefits to ensure you get the best deal when leasing a vehicle. What are car lease incentives? Car-lease incentives are perks offered by automakers to entice consumers to lease a vehicle. Automakers regularly advertise car-lease incentives and can promote them on their websites, and also through ads, radio, and direct-mail ads. The purpose of incentives for car leases are to help make the leasing of a certain type of car less expensive and more appealing. Three kinds of car lease incentives before heading to the dealership, you should be aware of three kinds of car-lease incentives to keep in mind. 1. Cash-back rebates for leasing cars are the same as those offered when buying a car. This rebate is for a flat amount and is decided by the manufacturer and applied to the overall cost associated with leasing the vehicle — thus lowering your costs. The total value of a rebate, however, may differ based on the lease term you select. Any restrictions on the rebate are listed on the automaker’s website, typically under the “fine print” in the section on offers. 2. Subsidized interest rates A subsidized interest rate involves the auto manufacturer providing a lower rate to people with good credit ratings that use its lending arm, such as Ford Credit or Toyota Financial Services. It’s sometimes referred to as an “lease deal” for a particular . You will need to compare this interest rate with the financing you can get on your own through another lender to determine which one is the better deal. Review all the details of the lease conditions to make sure you have a fair comparison. 3. Subsidized residual values Residual values — and subsidized residual values are crucial aspects of the price you pay to lease a vehicle. A car’s residual value as determined by the leasing company is an estimation of the value of the car will be worth once the lease is over. This number is crucial because the amount to be paid for the lease will depend on the price of the vehicle at the outset in the lease as well as its value when it is conclusion of the lease. If a car’s price is $25,000 at the time of the beginning of a lease, for example, and its residual value is $10,000, then the lease cost for the car is $15,000which is a cost that’s split into monthly lease installments. In order to encourage customers, automakers or leasing companies may subsidize leases in order to reduce your monthly payments. Automakers will often offer either an interest rate that is subsidized or a subsidized residual value on a vehicle however, they don’t offer both. These details aren’t obvious but you might have to ask. The benefits of car lease incentives If you’re able to lock in a car-lease incentive, you can reap from it in several ways. Reduced payments You can enjoy lower monthly payments, which will help you to free up cash and allow you to pay less to own the vehicle you’ve always wanted. Lower payments are possible by taking advantage of an “lease deal” that automakers provide that will help keep your interest rates down or even by using the cash rebate to make a down payment. Cash in hand receive the automaker’s check or apply the money toward the total amount for the leasing. Additional cash in the bank is always a benefit when it comes to vehicle financing but beware of any limitations that could be in place. For instance, you could be required to use the auto manufacturer’s financing company to take advantage of this offer. A better car for less You may go home in a vehicle with every bell and whistle at an affordable price. In the event that you’ve been wanting to drive a particular car, but don’t have the money to purchase it, a reward could help you take it on for few years. The key to driving away with a top car and lower costs is the residual value that is subsidized. This keeps your monthly payment lower, while also keeping the value of your car high. What to be on the lookout for Even though car lease incentives provide several benefits, but there are two major disadvantages that could arise when you sign on a hefty cash rebate. Additional mileage charges It is important to read the specifics regarding the cash-back amount. In many instances, you may be charged high costs for exceeding the limits of mileage. Every dealership is different, but this can cost between 15 and 25 cents per mile. Consider the number of miles you travel on a day-to-day basis — and whether you have any upcoming trips — when you decide to sign off on a cash-back. Balloon payments The automaker could also require a balloon payment, which is a larger one-time payment at the end of the lease. If your budget doesn’t permit you to pay for this and you’re in a bad position. Be aware that if you find an incentive for car lease that seems too attractive to be authentic, . Check with your state. Although car lease incentives offer a number of advantages but they also have a major drawback: Some states tax incentives for cars and rebates. If you live in a state that has, you may have to be taxed on the entire price of the vehicle before the incentive is applied. You don’t have to worry about this issue if you reside in one of the states that do not tax incentives: Alaska

Louisiana

Nebraska

Rhode Island

Arizona

Massachusetts

New Hampshire

Texas

Delaware

Minnesota

Oklahoma

Utah

Iowa

Missouri

Oregon

Vermont

Kentucky

Montana

Pennsylvania

Wyoming

The bottom line Before you sign up for any lease incentive, read the fine print. You must be aware of the way lease cash rebates, subsidized interest rates and residual values affect your out-of-pocket costs. Take note of the disadvantages of incentives, such as penalties for exceeding the limits on mileage and the hefty, one-time balloon payments. The most important thing is to think about all lease terms and whether the lease makes sense for your budget before signing the to sign the dotted line. Find out more

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Written by Contributing writer Anna Baluch is a former Bankrate contributing writer. She is a personal finance freelance writer in Cleveland who enjoys writing about mortgages, debts, student loans as well as private loans as well as auto finance. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are passionate about helping readers gain the confidence to control their finances with concise, well-researched and well-documented information that breaks down complicated topics into digestible pieces.

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Same Day Online Payday Loans – What Can Your Study From your Critics

Buying a car with a lien Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make smarter financial decisions by offering interactive tools and financial calculators that provide objective and original content, by enabling you to conduct your own research and compare information for free to help you make financial decisions with confidence. Bankrate has partnerships with issuers such as, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Profit The offers that appear on this site are from companies who pay us. This compensation may impact how and where products appear on this site, including such things as the order in which they may be listed within the categories of listing and other categories, unless prohibited by law. Our mortgage home equity, mortgage and other home lending products. However, this compensation will affect the information we provide, or the reviews that you see on this site. We do not cover the entire universe of businesses or financial offerings that could be accessible to you. Alfa Photostudio/Shutterstock

3 min read published 27 October 2022

Written by Holly D. Johnson Written by award-winning writer, author and author Holly Johnson writes expert content on personal finances, credit cards, loyalty and insurance subjects. As well as writing articles for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since late 2021. They are dedicated to helping readers gain confidence to take control of their finances with clear, well-researched information that breaks down otherwise complex subjects into bite-sized pieces. The Bankrate promises

More details

At Bankrate we strive to help you make better financial decisions. While we are committed to strict journalistic integrity ,

this post may contain the mention of products made by our partners. Here’s a brief explanation of how we earn our money . The Bankrate promise

Established in 1976, Bankrate has a long track record of helping people make informed financial decisions.

We’ve earned our reputation for more than four decades through simplifying the process of financial decision-making

process, and giving people confidence about the actions they should take next. process that is strictly followed by Bankrate.

so you can trust that we’ll put your interests first. All of our content is written in the hands of and edited by ,

They ensure that what we write ensures that everything we publish is accurate, objective and trustworthy. We have loans journalists and editors focus on the points consumers care about the most — different kinds of loans available and the most competitive rates, the top lenders, how to pay off debt and more — so you can feel confident when investing your money. Editorial integrity

Bankrate adheres to a strict code of conduct standard of conduct, which means you can be confident that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate information to aid you in making the best financial decisions. Key Principles We appreciate your trust. Our mission is to offer readers truthful and impartial information. We have editorial standards in place to ensure that this happens. Our editors and reporters rigorously fact-check editorial content to ensure the information you’re receiving is correct. We maintain a firewall between advertisers as well as our editorial staff. Our editorial team doesn’t receive any direct payment by our advertising partners. Editorial Independence Bankrate’s team of editors writes for YOU as the reader. Our aim is to provide you the best guidance to make smart personal finance decisions. We adhere to strict guidelines to ensure that our editorial content is not in any way influenced by advertising. Our editorial team is not paid directly from advertisers, and our content is fact-checked to ensure accuracy. So whether you’re reading an article or a report it is safe to know that you’re getting reliable and reliable information. What we do to earn money

You have money questions. Bankrate can help. Our experts have helped you understand your money for over four decades. We strive to continuously give consumers the professional advice and tools needed to succeed throughout life’s financial journey. Bankrate adheres to strict standards standard of conduct, so you can rest assured that our content is truthful and accurate. Our award-winning editors and reporters create honest and accurate information to assist you in making the right financial choices. The content we create by our editorial staff is objective, factual and is not influenced through our sponsors. We’re open regarding how we’re in a position to provide quality content, competitive rates and useful tools for you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for the placement of sponsored products and, services, or through you clicking certain links posted on our website. So, this compensation can impact how, where and in what order items appear within listing categories and categories, unless it is prohibited by law for our mortgage, home equity and other home lending products. Other factors, like our own rules for our website and whether or not a product is available within the area you reside in or is within your self-selected credit score range may also influence the way and place products are listed on this site. While we strive to provide an array of offers, Bankrate does not include details about each financial or credit item or service. If you’re thinking of buying a used car from a private dealer, find out whether the car is still under a lien attached to it by an lender. This can make buying more difficult, but it’s not difficult. It will mean taking some extra steps to make sure the lien is removed prior to the transfer of title to you. What exactly is a car loan? A car lien names the auto loan lender as the primary owner on the title. It’s a contract that serves as a safeguard for a lender when a borrower is in default. The lienholder could use the lien as a basis to take possession of the vehicle which is why they it is considered . After an automobile loan is paid in full, the lienholder is released from being liable for the loan and the car is now owned outright by the person who borrowed it. What happens when a lien is affecting your car purchase When you purchase a car with an attached lien, make sure that the lien is gone before you make the final payment. If you’re buying with cash When you pay in cash, you might be able to work directly with the lienholder in order to pay the balance on your own. Begin by contacting the lienholder in question to find out the total amount due to be released from the vehicle along with other terms which could impact the sale. Negotiate in conjunction with your seller. They may want to sell the car for a profit, but If you know the payment amount, you might be able to get an excellent deal and not pay more than what the car is worth. If you’re buying the car with the help of a loan Getting a loan from your own pocket to pay for the purchase should be fairly simple. You may communicate the details of the transaction with your lender so it can facilitate paying the lienholder. The remaining amount — if there is any — goes directly to the buyer. When the lien is completely paid off, either you as well as your lender will be issued the title that will allow you to record the vehicle in your name. The lender will be identified as the new lienholder until you . If the seller pays off the loan before the purchase The sale can proceed more easily in the event that the person selling the vehicle pay off their auto loan and acquires the title prior to the sale. But this isn’t possible for some people such as those who owe tens of thousands of dollars on a brand new car or those who owe more than the vehicle is worth. For instance, if the seller is owed $20,000 for the car which is privately sold for $17,000, they will still be required make payments to the lender between $20,000 and $3,000 more than they’re getting out of the deal. In such a case the seller can choose to transfer the remaining amount of the auto loan into an unsecured loan such as a personal loan for the purpose of get the auto loan be discharged. To make the purchase legal, however you handle this situation make sure you draft a contract that addresses the method by which the lien will be removed or transferred. While it’s not required in all states however, it’s a good idea to create a bill of sale outlining the transactions. Make sure that it is authenticated and signed by both parties to ensure that everyone is aware that the transaction took place. You may be able to utilize a third-party escrow service to handle the financial side of the transaction. Escrow services can help ensure that the money to be transferred in a secure manner. Make sure you are aware that escrow providers charge fees for their services — and set it up with the seller to make sure you’re both working with an authorized company. How do you determine if the car you’re buying has a lien Ask the seller – they should be transparent about the car’s ownership status. You may also look up the VIN or title, as well as the vehicle’s history report to confirm the seller is honest. Check the identification number of the vehicle (VIN) through the state’s DMV. If there is an owner of the lien on the title and the DMV can inform you. A title search can provide information about lienholders. It is a good start point for finding the information of lienholders. Check the history of your vehicle as well. Autocheck or Carfax have been regarded as two reliable businesses which provide lien history along with the previous repairs, maintenance and owners. The bottom line There are plenty of instances when people buy a used car with an unofficial lien from a private party without encountering any issues or challenges. To ensure that the process runs smoothly and avoid any serious issues, you should know the steps must be taken to clear the lien. You should also research pricing, line up your own financing for your vehicle and ensure that any agreements you enter into with a private seller in writing. Find out more

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Written by Author, Award-Winning writer Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance subjects. Alongside writing content on behalf of Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and other publications. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are dedicated to helping readers gain the confidence to take control of their finances with concise, well-researched, and well-written details that cut otherwise complex topics into manageable bites.

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13 car dealer tricks to avoid Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial choices by offering you interactive financial calculators and tools as well as publishing objective and unique content. This allows users to conduct research and compare data for free to help you make financial decisions with confidence. Bankrate has partnerships with issuers including, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are displayed on this site are from companies that compensate us. This compensation can affect the way and where products are displayed on this site, including, for example, the order in which they may be listed within the categories of listing and other categories, unless prohibited by law. Our loans, mortgages, and other products for home loans. However, this compensation will not influence the information we provide, or the reviews appear on this website. We do not include the universe of companies or financial offers that may be available to you. Maskot/Getty Images

6 min read Published October 06, 2022

Written by Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers with the ins and outs of securely borrowing money to buy an automobile. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are dedicated to helping their readers gain the confidence to control their finances with concise, well-studied information that breaks down otherwise complicated topics into bite-sized pieces. The Bankrate guarantee

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At Bankrate we aim to help you make better financial choices. We are committed to maintaining strict ethical standards ,

This article may include references to products from our partners. Here’s an explanation for how we make money . The Bankrate promise

Established in 1976, Bankrate has a proven track record of helping people make informed financial decisions.

We’ve been able to maintain this status for more than 40 years by simplifying the process of financial decision-making

process and giving people confidence in which actions to do next. Bankrate follows a strict ,

So you can be sure that we’ll put your interests first. All of our content is authored by and edited by ,

They ensure that what we write will ensure that our content is reliable, honest and reliable. Our loans reporter and editor concentrate on the areas that consumers are concerned about most — the different kinds of loans available and the most competitive rates, the most reliable lenders, how to pay off debt , and more — so you’ll be able to feel secure when investing your money. Integrity in editing

Bankrate has a strict policy standard of conduct, which means you can be confident that we’re putting your interests first. Our award-winning editors and journalists produce honest and reliable information to help you make the right financial choices. Key Principles We value your trust. Our mission is to provide our readers with accurate and unbiased information. We have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We have a strict separation between advertisers as well as our editorial staff. The editorial team of Editorial Independence Bankrate does not receive direct compensation through our sponsors. Editorial Independence Bankrate’s team of editors writes for YOU the reader. Our goal is to give you the best information to assist you in making intelligent financial decisions for your personal finances. We adhere to strict guidelines to ensure that our editorial content is not affected by advertisements. Our editorial staff receives no any compensation directly from advertisers and our content is thoroughly fact-checked to ensure accuracy. So whether you’re reading an article or reviewing, you can trust that you’re getting credible and dependable information. What we do to earn money

There are money-related questions. Bankrate has the answers. Our experts have helped you understand your money for more than four decades. We are constantly striving to provide our readers with the professional guidance and the tools necessary to succeed throughout life’s financial journey. Bankrate adheres to a strict code of conduct policy, which means you can be confident that our information is trustworthy and reliable. Our award-winning editors and reporters produce honest and reliable information to assist you in making the best financial decisions. Our content produced by our editorial team is objective, truthful and uninfluenced from our advertising. We’re honest about how we are able to bring quality information, competitive rates and useful tools for our customers by describing how we earn our money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for the promotion of sponsored goods and services or through you clicking certain links posted on our website. Therefore, this compensation may affect the way, location and in what order products are listed in the event that they are not permitted by law. This is the case for our mortgage, home equity and other home loan products. Other factors, like our own rules for our website and whether or not a product is offered in your area or at your own personal credit score can also impact the way and place products are listed on this website. While we strive to provide the most diverse selection of products, Bankrate does not include details about each financial or credit item or service. The truth is that dealers don’t want to take advantage of you. As a savvy consumer, it’s important to be prepared for situations in which you encounter a salesperson with a bag of tricks looking to maximize profits. Car dealer tricks to watch out for These are a few ploys some dealerships — even the ones that are legitimate- may try to run over you when it’s time to buy. 1. The credit broker might inform you that you aren’t eligible for rates that are competitive. And while this may be true in some cases however, the salesperson may suggest that your credit is worse than it is, so you think you’ll have to pay a higher interest rate. How to avoid: Come to the store with your cash prior to meeting with the dealer to ensure they don’t try to trick you. It’s better to get an auto loan to ensure that you don’t need to rely on dealer financing. 2. The single-transaction strategy Many people view purchasing a vehicle as a single transaction. However, dealers are aware of this. It’s actually three transactions that are rolled into three: the new car price, the value and financing. Each of them is a way the dealer can earn money , which means all three are places you can save. What to do: Treat every transaction in the same way the dealer treats each transaction: individually. In fact, you can compare your trade-in with multiple dealers to obtain the best price. And coming in with common sale prices for the vehicle you’re considering will ensure that the salesperson is honest. 3. The payment ploy The sales or finance team could throw an amazing monthly payment — one that you reasonably could qualify for. However, there’s usually a catch. In some instances the dealer might have included a substantial down payment or extended the terms for the loan to 72 or . What to do: Concentrate on the cost of the vehicle, not the monthly payment. Do not answer the question “How much can you spend each month?” Stick to saying, “I can afford to pay X dollars to purchase the car.” You should also be sure that the price that you negotiate is the total prior to your trade-in or utilized. 4. The sticker trick The vehicle price on the vehicle’s window is is known by the name of manufacturer’s recommended retail price, or MSRP. However, that’s not what’s most important. It is important to know the value of the invoice — the amount that the dealer paid for it. Starting with the invoice is much easier than trying to subtract from the MSRP. What to stay clear of: what is the value of cars after taking into account any consumer or dealer incentives. Some hot cars go at the sticker price or more. Prices will decrease as demand lessens. 5. The holdback scam Manufacturers frequently provide cash-based incentives (sometimes referred to as holdbacks — to dealers in order to get them to shift slower-selling models. This typically isn’t mentioned in advertising. Tips to avoid it search for holdbacks and other factory-to-dealer incentive options for the car you are considering. While it’s not a given you’ll see the seller offer one of these incentives to the car you’re considering It’s not a bad idea to inquire. 6. Spot delivery financing Some dealers have been known to contact customers days up to weeks or months following the time they have signed a purchase agreement, to inform them that their financing didn’t go through. This is a scam. Spot delivery, sometimes referred to as spot financing, is a scheme to get you to sign a loan contract at a higher rate of interest. The lender can tell whether you’re eligible for financing quickly. The purpose of the subsequent phone call is to persuade you to sign an loan that has higher interest rates because, according to them, they just found out you weren’t eligible for the rate that they offered at a lower percentage. Avoid this: Don’t leave the showroom without signing contracts that detail each and every line left in. Verify that you’ve been approved for the loan your dealer is offering. If you have that, they can’t retreat on the loan. 7. The insurance scam Some dealers may try hard to convince you to purchase an insurance policy when you’re buying your car. One kind of insurance, called gap insurance , will cover the difference between what the vehicle is worth and the amount you still owe on it. It’s usually just an extra expense, but if you are interested typically, gap insurance is cheaper when bought from your regular . Another option, credit life insurance will pay off the amount of your loan if you die before you’ve been able pay it back. If these policies appeal to you, you will want to understand what you are purchasing and that you are able to choose to decline the policy and look to find better rates. The price of these policies at the dealer could be huge, in part because the insurance companies that sell the policies to dealerships offer them huge incentives that range from cash to first-class travel to encourage the policies. What to do: Don’t automatically agree to the insurance plan offered. Some insurers include the benefits of gap insurance as part of their standard comprehensive auto insurance, so check there first. In the case of credit life insurance, you’ll likely want to stay clear of it. In most cases it’s not a good idea for you. 8. The rate razzle-dazzle It certainly seems appealing to finance a brand new vehicle. But, this offer might not be the ideal one for your budget. In the beginning, many financial incentives are for short terms, and you must have a great credit score. With short-term loans, such as 36 or 24 months for an affordable car could be astronomical. Furthermore, you might prefer to find the financing yourself and accepting the rebate offered by the dealer if one is offered. If you’re considering an automobile worth $20,000 and receive $4,000 as a trade-in. You have the option of choosing 0 percent financing or financing at 3.49 percent with an additional $2,000 in rebate. The length for the loan is 36 months. Over the course of the loan you’ll end up better than $1,200 when you use the rebate along with 3.49 percent financing. 3.49 percent financing. What to do Calculate the actual dollars over the term for the loan to figure out what is the best deal for you. 9. The rollover scam It could be tempting to trade for a higher-priced car after you’ve paid off the car you’re currently driving. One method by which some buyers take advantage of this is to roll over the remaining balance on their current car to the new vehicle loan or lease. This is an extremely risky decision. It could result in you owing more on the second car than the value of the car. In the language of the auto industry it’s a ” ” in the vehicle. If it is totaled in an accident or if you decide later to sell it you’ll be writing out a big check to cover the remainder amount of the loan. How to avoid the situation: Don’t roll over an old car loan into a brand new one. Instead, try to get the best price either through a trade-in, or private sales. And if you can’t stay with it, do the car. Unless you desperately need a new vehicle There’s no reason to purchase a car before you have paid off the old one. 10. The long-term trick There is nothing legal or even fraudulent concerning dealers who offer loan durations that last for 6 or 7 years. For one thing, the majority of cars are more durable than they did in the past and this means your monthly payment is lower. Still, it’s not ideal. You are likely to continually owe more on your car than it’s worth since your vehicle is declining faster than you’re paying off. Tips to avoid this the problem: If you’re considering a long loan time, you ought to consider an affordable vehicle that’s more suited to your budget. 11. The balloon scam is similar to the one that occurs when certain dealers will try to convince the purchase of a vehicle for unrealistically low monthly payments in the present, but with a larger balloon payment at the end of the loan period. In a few cases this could be a legitimate method to finance an automobile. For example, you might have recently graduated and realistically assume that your income will rise when the balloon payment comes due. For the majority of people the balloon payment simply is a way of rolling over the amount into an additional loan. What to do Avoid these offers and know the fact that your situation could alter by the time the balloon payment due, and you may struggle to pay it. 12. Bait and switch The bait and switch is when you’re in the market for one car and the dealer is able to put you at the steering wheel of another one. Dealers might use deceitful tactics to convince you to go to the lot, only to tell that the car you’re looking for isn’t in stock and then attempt to convince you to buy something else, often at a higher price. Avoid this by sticking to what you’re looking for. If you’ve done your research and know what you are searching for, then you don’t need to doubt your own thoughts. Wait it out or try another dealer that does have the car you’re looking for. 13. Contract cons Keep an eye for clauses hidden in the small print that you may be able to miss. These could take the form of changes to the loan period, additional terms which you didn’t agree to or other services which could lead to substantial expenses. A legitimate lender won’t try to dupe you in this way However, it’s important to be careful. If you find any differences, make sure you make sure you point them out. And if the dealer refuses to fix it, walk away. Tips to avoid this: Read carefully through the contract. Make sure you know all the charges and ensure that the terms are clear to both you and the dealer. Be sure to keep a copy of the contract to be prepared in the event of any issues later on. The goal is not to be an experience where you are tricked, and you leave feeling as if you overpaid for your vehicle. The more you know, the better. take note of these typical dealer tricks to ensure you aren’t getting tricked. Find out more

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Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers with the ways and pitfalls of borrowing money to purchase cars. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since late 2021. They are dedicated to helping readers gain the confidence to manage their finances with precise, well-studied information that breaks down complex topics into manageable bites.

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