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How to lease a used car Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make smarter financial decisions by offering you interactive financial calculators and tools as well as publishing objective and original content. We also allow you to conduct research and compare information for free and help you make informed financial decisions. Bankrate has partnerships with issuers such as, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are advertised on this site come from companies who pay us. This compensation could affect how and when products appear on the site, such as such things as the order in which they be listed within the categories of listing, except where prohibited by law. This applies to our mortgage and home equity products, as well as other home loan products. This compensation, however, does affect the content we publish or the reviews appear on this website. We do not contain the vast array of companies or financial offers that may be open to you.

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4 min read. Published December 11, 2022

Written by Kellye Guinan Written by Personal and Business Finance Contributor

Kellye Guinan is a freelance editor and writer with more than 5 years experience working in the field of personal financial matters. She is also a full-time librarian at the local library in which she assists the community get information on financial literacy, in addition to other topics.

The edit was done 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 gain confidence to control their finances by providing concise, well-researched and well-constructed information that breaks down complex subjects into digestible pieces.

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

This post could contain references to products from our partners. Here’s how we make money .

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

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

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We make sure that everything we publish will ensure that our content is reliable, honest and trustworthy. The loans reporters and editors concentrate on the things that consumers are most concerned about most — different types of lending options, the best rates, the best lenders, ways to pay off debt and much more. So you’ll be able to feel secure when making your investment.

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Bankrate adheres to a strict code of conduct , so you can trust that we’ll put your needs first. Our award-winning editors, reporters and editors create honest and accurate content to assist you in making the right financial decisions. The key principles We respect your confidence. Our aim is to provide our readers with reliable and honest information, and we have editorial standards in place to ensure this happens. Our editors and reporters thoroughly check the accuracy of 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 from our advertisers. Editorial Independence Bankrate’s editorial staff writes in the name of YOU the reader. Our aim is to provide you the most accurate advice to assist you in making smart personal finance decisions. 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 all of our content is verified to guarantee its accuracy. Therefore, whether you’re reading an article or a review, you can be sure that you’re receiving reliable and dependable information.

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If you have questions about money. Bankrate has the answers. Our experts have been helping you master your finances for more than four years. We strive to continuously provide consumers with the expert guidance and the tools necessary to succeed throughout life’s financial journey. Bankrate adheres to strict standards , so you can trust that our information is trustworthy and precise. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial team is factual, objective and uninfluenced from our advertising. We’re honest about the ways we’re in a position to provide quality content, competitive rates, and helpful tools for you , by describing how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for the promotion of sponsored goods and, services, or when you click on specific links on our website. Therefore, this compensation may impact how, where and when products are listed, except where 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 offered in your region or within your own personal credit score may also influence how and where products appear on this website. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.

The value of used cars declines at a slower rate than brand new ones, which makes them a great option if you want a low-cost lease. They’re difficult to find but the lack of used car inventory has further shrunk the market. Additionally, you might not recoup the amount you pay for the down payment — that you will not get back when your lease ends. However, you may save every month quite a bit. If you’re in the market for newer vehicles that haven’t seen many years of use and wear, a used car lease could be right for you. Three methods to get a lease on a secondhand car Leasing a used vehicle is . You’ll need to investigate the car and negotiate with the dealer. But since they are rarer than other vehicles, there’s more work involved in locating an affordable price. 1. Explore lease options. Not every dealer offers leases for used vehicles. You’re more likely to get leases on certified used (CPO) vehicles, which are generally only available at a franchise dealer. It is also recommended to call or send an email ahead of time to make sure that the dealer sets up used leases for cars. Do your research on recent models that you might want to lease. Also, comparison shop. Even if you’re not buying the vehicle, look up the prices they’re listed on sites such as Edmunds or Kelley Blue Book. This can be a good starting point during negotiation. 2. Contact the dealer for negotiations Once you’ve located a dealer who offers used car leases and you have looked at prices, it’s time to . Like a new car lease, the cost of the used lease on a vehicle is based on a money factor — like the interest rate of an loan. You’ll be able to bargain this, along with limitations on mileage in addition to the residual amount. The negotiation process is similar to purchasing an automobile. You need to make sure you’re getting a fair deal on the overall cost, including tax, fees, and money you are putting down. 3. Be aware of the contract. Your contract should include charges and mileage limits, as well as the maintenance that is and isn’t covered and a . Be on the lookout for any additional fees that you do not would like to include. Extended warranties are beneficial in certain circumstances, however, the majority of CPO automobiles come with a manufacturer warranty. It will also include the anticipated depreciation amount and residual value at the conclusion period of lease. Confirm these match your negotiated numbers before signing. Drawbacks of leasing a used car Beyond limited inventory The drawbacks of leasing a car used are identical to . A car leased will cost less than buying, however it won’t cost you as much as . Just like with buying new or used, a lease that is used will have a higher rate percentage than a brand new lease. You are also responsible for any wear and tear beyond what is considered “normal.” The amount will be determined by the contract you signed but expect to pay extra for any dings or scratches when your lease ends. Maintenance costs are another major one. Oil changes, mechanic visits and any other expenses not covered by warranty will be your responsibility. Leases for used cars are not common, so it will take extra work to find an auto dealer who offers these services. Additionally, due to a shortage of semiconductors there is less inventory overall and this could be a further obstacle to obtaining a great deal. Limits on mileage are among the biggest drawbacks for those who have a long commute or love driving. The lease contract you sign will restrict you to between 12,000 and 15,000 miles per year — and will charge you extra in the event that you exceed. What are the differences between car loans are different from leases Car loans have an upfront cost which is then followed by installment payments over a fixed time. Leases are characterized by a lower upfront expense, but the person leasing is responsible only for depreciation on the car during the lease term. Both loans and leases loans have many advantages and disadvantages. The key differences are regarding monthly payment, maintenance, use or mileage and ownership. Payments for monthly: Monthly payments for leases on cars are generally lower because you only pay for the use of the vehicle. With an auto loan, you pay to own the vehicle. Maintenance: Maintenance is usually covered by leases for vehicles but purchasing a vehicle makes you responsible for all costs and requirements for maintenance. Use and mileage: Leases include mileage and other charges related to the lease. A car purchase does not have a mileage limit but excessive mileage can affect the vehicle’s ability to be sold or . Other options to lease a second-hand car You have two main alternatives: either buy the car outright or consider lease swaps. A used car is the most financially sound option is usually to . You will own the car at the expiration of your contract, which gives you the option to either sell the vehicle or drive it to the expiration date. It opens you up to depreciation as well as the possibility of being in the position of being upside-down on your loan. For some, leasing is their best method to afford a car. Of course, if you love the vehicle you’ve leased then you’ll likely have the option to buy it at the expiration of the lease. So, leasing used could be a great way to get in the cost of a few low monthly payments before you commit to purchasing a car. Lease swaps Sites for trading leases like LeaseTrader will help you locate great deals from those looking to end their lease contract in the early hours. The cars you come across might not be “used” by dealer standards but they’ve had some activity from a different owner. Steps next, research new cars and the dealers that are in your region. It’s not impossible to find a used car lease, but in the current market, it can be difficult. Once you find an used vehicle to lease, make sure that it’s a budget-friendly option that suits your driving style. Find out more

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Written by Personal and business finance Contributor

Kellye Guinan is a freelance editor and writer who has more than five years ‘ experience within personal financial matters. She’s also a full-time worker at her local library, helping people in her community get information on financial literacy, as well as other topics.

Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate from late 2021. They are dedicated to helping their readers to control their finances with precise, well-researched and well-documented data that breaks otherwise complicated topics into bite-sized pieces.

Auto loans editor

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How we make money Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for the placement of sponsored products or services, or by you clicking on specific links on our site. Therefore, this compensation may affect the way, location and when products are displayed within the categories of listing and categories, unless it is prohibited by law. This is the case for our mortgage home equity, mortgage and other home lending products. Other elements, such as our own rules for our website and whether the product is available within your area or at your self-selected credit score range may also influence how and where products appear on this site. Although we try to provide a wide range offers, Bankrate does not include specific information on every credit or financial product or service. Bankrate, LLC NMLS ID# 1427381 | BR Tech Services, Inc. NMLS ID #1743443 |

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Can you return a vehicle you just bought? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial decisions by offering interactive financial calculators and tools as well as publishing original and objective content, by enabling users to conduct research and evaluate information for free – so that you can make informed financial decisions. Bankrate has partnerships with issuers such as, 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 website are provided by companies that compensate us. This compensation can affect the way and when products are featured on this site, including such things as the order in which they may appear within the listing categories and other categories, unless prohibited by law. This applies to our loan products, such as mortgages and home equity and other products for home loans. This compensation, however, does not influence the content we publish or the reviews that you see on this site. We do not contain the entire universe of businesses or financial offers that may be open to you. Westend61/Getty Images

6 min read Published 31 January 2023

Written by Allison Martin Written by Allison Martin’s career began more than 10 years prior to that as a digital content strategist, and she’s since been published in several leading financial outlets, including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com. Edited 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 gain the confidence to manage their finances by providing concise, well-researched and well-written information that breaks down otherwise complex subjects into digestible pieces. The Bankrate promises

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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 a brief explanation of how we earn money . The Bankrate promise

In 1976, Bankrate was founded. Bankrate has a long record of helping people make smart financial choices.

We’ve maintained this reputation for more than 40 years by making financial decisions easy to understand

process and gives individuals the confidence to know what actions to take next. Bankrate follows a strict ,

You can rest assured that we’ll put your interests first. All of our content was authored with and edited ,

They ensure that what we write will ensure that our content is reliable, honest and trustworthy. We have loans reporters and editors focus on the areas that consumers are concerned about most — the different kinds of loans available and the most competitive rates, the best lenders, ways to repay debt, and many more — so you’ll be able to feel secure when investing your money. Editorial integrity

Bankrate adheres to a strict code of conduct and rigorous policy, so you can rest assured that we put your interests first. Our award-winning editors and journalists produce honest and reliable content that will help you make the right financial choices. The key principles We value your trust. Our goal is to provide our readers with reliable and honest information, and we have editorial standards in place to ensure this happens. Our editors and reporters rigorously verify the truthfulness of content in order to make sure that what you read is accurate. We have a strict separation with our advertising partners and the editorial team. 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 most relevant guidance to make intelligent financial decisions for your personal finances. We adhere to strict guidelines in order to ensure that our editorial content is not affected by advertisements. Our editorial team receives no direct compensation from advertisers, and all of our content is verified to guarantee its accuracy. Therefore, whether you’re reading an article or a review, you can trust that you’re getting credible and reliable information. What we do to earn money

If you have questions about money. Bankrate has the answers. Our experts have helped you understand your money for over four decades. We continually strive to give our customers the right advice and tools needed to make it through life’s financial journey. Bankrate adheres to strict standards policy, which means you can be confident that our information is trustworthy and accurate. Our award-winning editors, reporters and editors provide honest and trustworthy content to help you make the right financial decisions. The content created by our editorial team is objective, factual and uninfluenced through our sponsors. We’re transparent about the ways we’re capable of bringing high-quality content, competitive rates, and useful tools for our customers by describing how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated for placement of sponsored products or services, or by you clicking on certain hyperlinks on our site. So, this compensation can affect the way, location and when products appear within listing categories and categories, unless it is prohibited by law. We also offer mortgage home equity, mortgage and other home loan products. Other factors, such as our own website rules and whether or not a product is available in your region or within your personal credit score may also influence 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 information about every credit or financial product or service. If you’ve purchased a new or used car and have second thoughts about it you usually won’t be able to return the car. The person who sold the car is usually not legally bound to return the car and give you a refund or exchange after you’ve signed the sales contract. There are exceptions to this rule. Some dealerships may allow you to return the car in specific conditions. If the car is experiencing major mechanical issues, the dealership may be legally required to accept the return. It’s still better to avoid having to return your car in the first place. There are many reasons to return your car. Besides buyer’s remorse, possible reasons to sell your car could be mechanical or financial issues. The dealership may be willing to assist you in the event that you are unable to make payments. When you encounter mechanical problems, whether you can return the car to the dealer is contingent on how you do it and the terms and conditions of the return policy. If you’ve been ripped off, and you think you were ripped off situation, you ought to consider a meeting with the manager of the dealership. When you meet with the manager, bring documentation to corroborate your claim that you have been wronged. For example, if believe that the dealer was overcharged provide evidence of the vehicle’s fair market value to a credible authoritative source (like Edmunds or Kelley Blue Book) to support your claim. Make your argument clear to the manager in a calm manner. Be aware that, since you’ve signed the contract, your options are limited should the manager refuse to honor your request. You can also contact the office of your state attorney general for a discussion of your choices. Make a complaint to the Better Business Bureau. Hire an attorney to sue the dealership. Leave a bad review on the website of the dealership. You can file a complaint with the state’s consumer protection agency and the Federal Trade Commission. Tip from the bank

To research whether you’ve paid the wrong amount, you can look up the price of vehicles with the same make, same model and similar mileage on or .

The car’s payments are excessive If you want to return your vehicle because your monthly car payments are too excessive, you’ll face greater difficulty in getting the argument to return the car. The dealership’s general manager might argue that you should have figured out whether you can afford the monthly payments before buying the vehicle. It’s up to the dealer to decide if they want to let you bring back the car and exchange it to a more affordable model. Contact the person who sold you your car in the first place. If this doesn’t work, contact the sales manager or the dealership’s general manager. If you’ve exhausted your possibilities, you can look at alternative options to . the auto loan with a lower interest rate or a more extended term could lower your monthly payment. Bankrate tip

Utilize an application to determine how much you can save, and then compare various loan options.

Your car is a lemon. For a convincing case of returning a car that isn’t perform as it should, you must first collect evidence of the mechanical issues you’ve encountered. It is possible to require multiple visits to the dealership’s service department. Ensure your complaints are noted with full detail on all repair orders. If the problem still isn’t resolved then you could conclude that your car is a lemon — a vehicle beyond repair. Because the laws are different from state to state so you’ll need to conduct a thorough investigation to see whether you can claim a valid lemon law claim. In many states, lemon laws apply to vehicles that have a serious defect impairing your ability to drive. Other lemon law provisions that vary from state to states include the amount of time that you have to wait after buying the car, the vehicle’s mileage and the number of times the dealership tried to fix the vehicle. You can research the laws of your state, and it outlines each state’s required actions and timeline to return a vehicle under lemon laws. After a successful claim you’ll be able to get a refund or comparable vehicle exchange. Only seven states have lemon laws on used vehicles: Connecticut, California, Massachusetts, Minnesota, New Jersey, New Mexico and New York. There are limitations, and these laws will not give some relief for you in your circumstance. Tips for banks

You could be eligible for reimbursement of your attorney expenses if you engage an attorney to assist in your case. Make sure you keep the track of your legal costs throughout the course of your case.

You changed your mind Dealers do not generally find buyer’s remorse convincing. Few dealers have a return policy. After you’ve signed the sale contract, you’re responsible for paying the note in accordance with the terms you’ve agreed to. While the FTC offers a “cooling-off rule” — a rule that gives you the right to cancel within three days a purchase which you made at your office, home, or temporary address the purchase of a vehicle is one of the exceptions. If a dealership offers you a car at a temporary place, the rule applies as long as they are in a permanent place. Certain states also offer the “right to cancel” period which allows you to return the vehicle within a certain time frame without incurring any penalties or damage to your credit profile. The vehicle has to be used in the same way as when you bought it. Other limitations often apply. Tips for banks

Try and avoid this scenario by conducting research prior to the time. Use these tips before signing off on a brand new vehicle.

The dealer you are dealing with has a return-policy few dealerships have return policies. For example, they have 30 days of return time. If you don’t like the car, you can exchange it for one you like or get a full refund. Additionally, certain dealerships offer exchange plans where you are given a certain number of days to exchange your vehicle. Be aware that other stipulations could prevent you from turning the vehicle into. If you’re able to turn it in, you will likely have to pay the difference between what the vehicle is worth today and what the car is currently worth. Bankrate tip

Always request a dealership’s refund policy in writing. This way, you’ll be aware of the conditions and terms of the policy and can navigate any attempt to refuse your claim.

How can you avoid returning your car to avoid the difficult process of returning a car it is important to prepare for the purchase of the vehicle. This procedure . Check out reviews of the make and model you are considering on websites such as . It’s recommended to perform price research by using Kelley Blue Book or Carfax, , create an estimated budget, and test-drive the vehicle. It’s equally important to research the dealership in advance by reviewing online reviews. Utilize sites such as BBB.com to ensure dealerships have an excellent reputation and provide top-quality customer service. Additionally, you’ll want to spend some time researching the background and condition of the car you’re looking to purchase. Start by looking over the history report for the vehicle via sites like Carfax or AutoCheck which provide information on the vehicle is accessible using its . If you’re buying a car from a dealer the dealer for the car’s history for your review. It’s an excellent idea to bring the vehicle for a thorough inspection by a professional who can provide an unbiased evaluation of the vehicle and any problems it might have. If the mechanic finds mechanical problems, ask the seller to pay the cost of repairs. Options for returning the car Can’t return your car? There are still options. You can sell the car. By to someone else it could be possible to escape having a car you don’t want. You might be unable to recover the full amount you paid to the dealer because a car depreciates when it’s taken off the lot. The buyer is responsible to pay the difference between the dealership cost and the amount that buyers pay to purchase the car. Ask for voluntary repossession. If you are unable to afford the monthly payment then you can call the lender and request a voluntary repossession. While this will reduce your monthly payments however, you must consider this decision. A lender may still notify the credit bureaus. Possessions can affect your credit score for up to seven years. This makes it more expensive to get a new auto loan. Refinance your auto loan. If your monthly installments are excessive, you can by extending your time frame or getting an interest rate that is lower. Although this is a step that will , the effects are only temporary. In reality, after only some months of payments, your credit score should improve or even increase. The main point is that before you purchase a car take some time to research the price of the cars you like and reading the dealership’s return policy and reviews of the car. Failing to research could leave you with the car you bought. In the majority of cases, you can’t return the car you just bought — most dealerships won’t allow the return of a vehicle. If you’re not able to return a car however, there are other options to get rid of it. It is possible to sell it or make a lemon law claim under certain conditions. Alternatively, if you have buyer’s remorse due to excessive payments, but you want to keep the car you can refinance the auto loan to reduce your monthly costs.

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Allison Martin’s work began more than 10 years ago when she was an online content strategist and she’s since been published in various top financial media such as The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian 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 the confidence to take control of their finances through providing clear, well-researched information that break down complex topics into digestible chunks.

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Similar Articles: Auto Loans 4 minutes read November 28 2022. Loans 3 min read Sep 30 2022 Auto Loans Read 3 minutes Aug 18 2022. Auto Loans five minutes read August 09 2022

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What are the green car loans? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with financial calculators and tools that are interactive that provide objective and original content. We also allow users to conduct research and compare data for free to help you make financial decisions with confidence. Bankrate has agreements with issuers including, but not restricted 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 that pay us. This compensation could affect how and when products are featured on this site, including for instance, the order in which they appear in the listing categories in the event that they are not permitted by law for our mortgage, home equity and other home lending products. But this compensation does have no impact on the content we publish or the reviews that appear on this website. We do not include the entire universe of businesses or financial offerings that could be accessible to you.

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4 min read Published 26 October 2022

Authored by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers in navigating the ways and pitfalls of borrowing money to purchase a car.

The edit was done 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 confidence to manage their finances with concise, well-researched, and clear information that breaks down complicated topics into bite-sized pieces.

The promise of the Bankrate promise

More info

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

This article may include the mention of products made by our partners. Here’s how we earn our money .

The promise of the Bankrate promise

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

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

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

So you can be sure that we’re putting your interests first. All of our content is created by and edited by

They ensure that what we write is objective, accurate and trustworthy. Our loans journalists and editors concentrate on the things that consumers care about most — various types of loans available, the best rates, the top lenders, the best ways to repay debt, and many more. So you’ll feel safe making your investment.

Integrity in editing

Bankrate adheres to a strict code of conduct standard of conduct, which means you can be confident that we put your interests first. Our award-winning editors and reporters produce honest and reliable content to assist you in making the right financial choices. The key principles We appreciate your trust. Our mission is to provide readers with reliable and honest information, and we have editorial standards in place to ensure that happens. Our editors and reporters rigorously verify the truthfulness of content in order to make sure that the information you’re reading is correct. We have a strict separation between advertisers as well as our editorial staff. Our editorial team does not receive compensation directly through our sponsors. Editorial Independence Bankrate’s editorial team writes on behalf of YOU who are the readers. Our goal is to give you the most accurate advice to assist you in making smart financial decisions for your personal finances. We adhere to strict guidelines to ensure that our editorial content isn’t influenced by advertisers. Our editorial team is not paid direct compensation from advertisers, and all of our content is verified to guarantee its accuracy. If you’re reading an article or review, you can trust that you’re getting credible and dependable information.

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In the early part of August 2021, the president Biden signed an executive order declaring that half of all new cars sold within the U.S. should be electric in 2030. So now might be the perfect moment to take the steering wheel of a green car. If you are in the market, you could be able to save some money through an eco-friendly auto loan. The green car loan is a loan option for consumers purchasing low or zero emission vehicles. They often feature and several other benefits. How do you know about green automobile loans? The green vehicle loan could be utilized to purchase eco-friendly vehicles or cars that emit less emissions. These fuel-efficient cars generally fall into the category of hybrid or electric and can be purchased from a variety of manufacturers that range from Ford and Nissan and even Tesla. Green auto loans can encourage customers to consider these environmentally friendly vehicles by providing interest rate reductions as well as other advantages. These loans can make green vehicles less expensive for those who want to purchase them. For example, Chevrolet offers a 3.49 APR of 1% for 60-month loans when purchasing their Bolt EV. In the same way, Ford offers a 3.9 percent APR on loans of up to 72 months on the Mustang Mach-E. These rates are much lower than the current average interest rates on new car auto loans that ranged between 5.4% and 5.28% at the time of writing in September. You’ll need to satisfy credit requirements and other criteria in order to qualify for these discounts. What qualifies as a green car? Green cars are a vehicle which uses alternative fuels or electricity in place of gasoline or diesel which is greener for the environment. They offer advantages such as lower carbon dioxide emissions, lower maintenance, fewer stops for fuel and more quiet engines. A from the International Council on Clean Transportation found that electric vehicles have the lowest life-cycle greenhouse gas emissions of any type of vehicle. Based on the research, lifetime emissions of an average medium-sized electric vehicle are 60 percent to 68% less than in the United States. The most eco-friendly vehicles come with a designation, a score awarded by the U.S. Environmental Protection Agency to the cars with the most efficient emissions for every model year. Many lenders use this classification to determine whether your car qualifies for a money-saving environmentally friendly auto loan. Still, green vehicles have a higher upfront price tag than traditional cars. Therefore, many states urge drivers to purchase these vehicles . As per Kelley Blue Book, the average cost for electric vehicles will be around $30,000 within the United States in September 2022. But not all electric vehicles will set you back that much, and some luxury models will cost more. For instance, the base cost for the 2022 Nissan Leaf is $27,400, while that of the Tesla Model 3 starts at $48,490. Spending well over $100,000 on electric vehicles is possible. It is possible to spend more than $100,000 on the Tesla Dual Motor Model X is priced at $120,990. Despite the high prices they are growing more quickly than all different types of cars as per . How do these green loans differ from conventional auto loans? The green car loan is similar to a conventional car loan: You’ll through an auto lender get an interest rate based on the creditworthiness of your score. You’ll pick the repayment period and pay regular monthly interest for the loan period. However, the terms of the two loans could be different. Green auto loans typically offer lower interest rates than conventional ones, either through lower base interest rates or rate discounts. Since green cars are expensive, many lenders offer longer repayment terms than conventional auto loans to help reduce the monthly payment. One of the main factors that distinguish green auto loans is where they’re available. In contrast to typical auto loans that you obtain from banks and online lenders, it’s more likely to obtain green auto loan through an . The University of Hawaii Federal Credit Union as well as Verity Credit Union, the Vermont State Employees Credit Union and Verity Credit Union all offer green auto loans. Furthermore, some dealers might offer green loans from the manufacturer. For example, Ford offers financing for Mach-E models via local dealers. Similarly, Chevrolet offers financing for its Bolt models through dealers. Why is green auto loans vital in 2022? A greener approach to auto loans and vehicles started in the early to mid-2000s, and they’re growing at a rapid pace. Gas prices are rising, which could fuel the demand, with prices per gallon at $3.77 in the last week of October. Based on Kelley Blue Book, Americans electric vehicles are more prevalent will be more popular in the third quarter of 2022 as opposed to the same time frame in 2021. A number of car manufacturers have pledged to support the federal initiative, and to drive more green car purchases. Ford, General Motors and Stellantis (which has Chrysler as well as Fiat) have pledged to boost production of electric vehicles. The next steps and how to apply for green auto loan Prior to applying for a green auto loan, make sure that your finances are in most favorable condition. Do your best to improve your credit scorelenders will look at your credit score, income and more to determine if you are eligible for a loan and the rates they will offer. From there, you can look around for a new green car loan. Comparing a few rate quotes prior to applying for an loan will help you find the best price. Take a look at these sources to help you get started the : PlugStar: is a particularly helpful tool for those looking to buy a car at the beginning of the process. After entering your ZIP code and desired make and model there are cost estimates, available incentives, information on local dealerships and the environmental footprint of your vehicle. EV Life: EV Life’s gives you the option of being prequalified with a variety of lenders and automatically qualifies you for incentives and rebates, applying those savings upfront to your monthly payment. Credit unions local credit unions are one of the best places to begin your search for an environmentally friendly auto loan. Credit unions like JetStream Federal Credit Union, Suncoast Credit Union and MyPoint Credit Union provide interest rate discount for auto loans for green vehicles. Ask the local branch of your credit union about their alternatives when you are looking for an auto loan. The bottom line Buying an eco-friendly vehicle will be rewarded in several ways. It can help reduce the carbon footprint of your car and take advantage of tax incentives and reduce expenses for fuel. Before you apply for a green car loan make sure you research at least three lenders and check their eligibility requirements including incentives, discounts and incentives. Get preapproved so you can compare fees, interest rates and the monthly payment over the course that you will be paying for the loan. Shopping around could land you an automobile loan discount that can save you hundreds or even thousands of dollars.

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How long should the duration of your vehicle loan be? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators that provide objective and original content. This allows you to conduct your own research and compare data for free and help you make informed financial decisions. Bankrate has agreements with issuers, including but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn money The products that are advertised on this site come from companies who pay us. This compensation could affect how and where products appear on this website, for example for instance, the order in which they may appear in the listing categories, except where 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 cover the vast array of companies or financial deals that may be open to you.

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They ensure that what we write ensures that everything we publish is accurate, objective and reliable. We have a team of loans reporters and editors concentrate on the areas that consumers are concerned about most — the various types of loans available as well as the best rates, the top lenders, how to pay off debt and more — so you’re able to be confident about investing your money.

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Bankrate follows a strict and rigorous policy, so you can rest assured that we’ll put your needs first. Our award-winning editors and reporters produce honest and reliable content to help you make the right financial decisions. Our main principles are that we value your trust. Our goal is to provide our readers with accurate and unbiased information. We have standards for editorial content in place to ensure this happens. Our reporters and editors thoroughly fact-check editorial content to ensure that what you read is correct. We maintain a firewall between advertisers as well as our editorial staff. Our editorial team does not receive direct compensation through our sponsors. Editorial Independence Bankrate’s editorial team writes on behalf of YOU the reader. Our aim is to provide you the most accurate advice to help you make smart personal financial decisions. We adhere to strict guidelines to ensure that our editorial content is not affected by advertisements. Our editorial team is not paid any compensation directly from advertisers and our content is checked for accuracy to ensure its truthfulness. If you’re reading an article or review, you can be sure that you’re getting credible and reliable information.

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The length of your vehicle financing is the most important thing to consider in deciding on the ideal auto loan. A longer loan period will reduce the monthly installment however you’ll end up paying more interest over the life of the loan. A shorter loan period means that you’ll be paying less interest overall but your monthly payments will be higher. How to determine the right term length When selecting your car loan take into consideration the length of the loan term in relation to the cost of the vehicle and your financial situation. A longer loan term will lower the amount of your monthly payments, but it might not be the best solution when you are able to pay for a larger loan amount or are willing to pay for purchasing a car that is less costly. Bankrate’s advice: It’s essential to look at your budget and both the transaction as well as the maintenance — prior to purchasing an automobile. Get for an auto loan with your bank or credit union before you shop for a vehicle. To determine the best time frame for your loan take these steps: Determine your budget. This should be your monthly budget, and the amount you wish to put aside for the vehicle itself. Consider how your finances will change, and consider that. Be sure to qualify with at least three lenders. Shopping around can help you qualify for the lowest interest rate. A partnership with your local credit union could afford you lower payments, particularly if you have an existing relationship with them. Check the total amount of amount of interest. Take your prequalification results and then plug them into the calculator to determine the amount you’ll be paying each month, and the amount of interest you’d be paying overall. Make a decision. Take into consideration both the monthly installment and the overall cost when deciding which loan timeframe is most suitable for your needs. Short-term and long-term auto loans Although a longer loan gives you the chance to buy a more expensive car, it will also mean more interest over a longer period. Even while the monthly payments will be less, the overall cost will be more expensive. An auto loan, on the other hand, offers less interest paid, but a higher cost per month. If your budget isn’t spot on, or there’s a sudden shift in your income, you may end up struggling with those payment. There’s no ideal loan length for each driver, take into consideration the advantages and disadvantages of each prior to signing off on your next vehicle. Benefits and drawbacks of a long-term automobile loan A is an excellent option if your budget isn’t able to pay for a greater monthly installment. Since your monthly payment will be lower, it might also allow you to pay for a higher-priced vehicle. However, with a longer auto loan you’ll pay more in interest over the course of. A longer-term loan also increases the risk of being caught in the middle of your loan or paying more than what the car is worth. This could make selling or trading in the vehicle more difficult. The advantages and disadvantages of a short-term auto loan Where longer-term auto loans can result in an excessive amount of interest, a shorter term means less interest paid overall. This also means that the car will be yours even faster. In addition, the newer models are sold at a fast rate in the initial five years, which means it’s unlikely that you’ll end up owing more than what your vehicle is worth over an extended time. If your budget is in a pinch and you’re not sure if you can afford the short-term loan is a more risky option. This is particularly true if you don’t have a substantial . To prevent this from happening, stay away from expensive cars that may strain your budget. There are many reasons to think about a less loan term There are several reasons to sign off on the shorter loan. It will allow you to pay off your loan faster, which means that you’ll be able to take advantage of the vehicle you’ve bought and will not be left with the burden of a huge loan due to. Be aware of these important factors when deciding the length of the loan. Lower payments over time A longer loan period could mean payments for five to seven years. A shorter, two- to four-year loan will put you in the full ownership of your vehicle much earlier that means you’ll be able to get the money back in your budget each month and use it to pay down more expensive debts or save. You’re less likely to be upside-down in your loan If you’re looking to change or sell your car, you will have the flexibility to make the necessary changes. You likely won’t have more than what your car is worth, making it easier to swap out to get an alternative vehicle. Better resale value Similar to having a less chance of becoming over-paying on your loan, getting your car paid off earlier means it will be worth more once you’ve finished paying it off. This means that if your circumstance alters and you’re forced to upgrade -or just want something fresh — you’ll receive more than if you had to wait for five to seven years. The bottom line It’s important to consider the amount of car you can actually afford. Beyond the total price of the loan take into consideration how much you can put into your car every month — including gas and insurance. A shorter-term loan may not always be an choice for the automobile of your dreams. But if a similar model is more affordable and will stop you from getting an extended-term loan and it is worth the compromise. If you decide to go with a longer or shorter term, be sure to to obtain the best price possible. Learn more

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What amount of co-signers can assist in obtaining for an automobile loan? A Part of financing a car with Co-Signers in this series Financing a Car With a Co-Signer

Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial decisions by offering you interactive financial calculators and tools as well as publishing objective and original content. This allows you 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 Make Money The offers that appear on this website are provided by companies that pay us. This compensation could affect how and where products are displayed on this website, for example such things as the order in which they may be listed within the categories of listing in the event that they are not permitted by law. Our loans, mortgages, and other home lending products. But this compensation does have no impact on the content we publish or the reviews you read on this site. We do not contain the entire universe of businesses or financial offerings that could be accessible to you.

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Writen 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.

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At Bankrate we are committed to helping you make smarter financial decisions. We adhere to the highest standards of journalistic integrity ,

this post may contain some references to products offered by our partners. Here’s an explanation for how we make money .

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

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

process and giving people confidence about the actions they should take next. process and gives people confidence in the next step.

You can rest assured that we’ll put your interests first. All of our content was created in the hands of and edited by

who ensure everything we publish is objective, accurate and reliable. The loans reporter and editor focus on the points consumers care about most — the different kinds of loans available as well as the best rates, the most reliable lenders, how to repay debt, and more — so you’ll be able to feel secure when investing your money.

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Bankrate has a strict policy and rigorous policy, so you can rest assured that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate information to help you make the right financial decisions. The key principles We respect your confidence. Our goal is to provide our readers with reliable and honest information. We have standards for editorial content in place to ensure this happens. Our editors and reporters thoroughly fact-check editorial content to ensure that what you read is true. We have a strict separation with our advertising partners and the editorial team. Our editorial team doesn’t receive any direct payment through our sponsors. Editorial Independence Bankrate’s team of editors writes for YOU – the reader. Our goal is to give you the most accurate advice to assist you in making smart financial decisions for your personal finances. We adhere to strict guidelines to ensure that our editorial content isn’t affected by advertisements. Our editorial team receives no direct compensation from advertisers, and all of our content is verified to guarantee its accuracy. So, whether you’re looking at an article or review, you can trust that you’re receiving reliable and reliable information.

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You have money questions. Bankrate has the answers. Our experts have been helping you manage your money for over four decades. We are constantly striving to provide consumers with the expert guidance and the tools necessary to be successful throughout their financial journey. Bankrate follows a strict policy, which means you can be confident that our content is honest and accurate. Our award-winning editors and reporters produce honest and reliable content that will help you make the best financial decisions. The content we create by our editorial team is factual, objective and is not influenced from our advertising. We’re transparent about the ways we’re able to bring quality content, competitive rates and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for placement of sponsored products and services, or by you clicking on certain hyperlinks on our website. So, this compensation can impact how, where and in what order items appear within listing categories in the event that they are not permitted by law for our mortgage or home equity products, as well as other home loan products. Other elements, such as our own website rules and whether or not a product is available in your area or at your personal credit score could also affect the manner in which products are featured on this site. While we strive to provide an array of offers, Bankrate does not include information about each financial or credit item or service.

If you have a low income and your credit rating low, getting a car loan with affordable monthly payments can be difficult. A co-signer for the car loan can make a big difference. When you have a co-signer, that person’s income and credit score are considered alongside your own. The loan conditions that lenders provide are likely to be much more favorable. Sometimes, having a co-signer can be the difference between being granted the loan or getting rejected. Co-signers can be helpful when you take out an auto loan A co-signer can boost the likelihood of getting approved, and over time — help you as you pay back the auto loan. Increase the chances of being approved. Co-signers can boost your application even if you don’t have an extensive credit history or are an unsatisfactory credit score . Lenders will see the co-signer as guaranteeing the loan and are more likely to grant you permission to borrow. You will have a better chance of receiving favorable terms. A co-signer with a good credit score with a credit score of at least 670, and a high income may have lower rates. According to research, subprime borrowers in 2022 experienced an average rate of 9.75 percent and prime borrowers had an average of 4.03 percent. Lower interest can mean thousands of dollars saved over the life of your loan. Enhance your credit score. A car loan backed by co-signers will improve your credit score. Credit scores will naturally increase as you make timely payments. If you have another loans or credit cards, a new loan might even decrease the credit utilization ratio and help improve your score. Co-signers and minimum income requirements for lenders typically have minimum income requirements for loan approval. As the principal applicant, the lender will solely consider your earnings when deciding if you meet the requirements. Your co-signer’s earnings is not considered in the application — your co-signer’s salary is not added to your income in order to assist you meet the minimum income threshold. But, co-signers have be able to prove that they have sufficient income on their own to make the monthly car loan payments should you default due to any reason. The most important thing to remember for a prospective car buyer is that a co-signer can’t assist if you require more income to get a loan. Do you need a cosigner? Co-signers can be beneficial however, it is not a must . You should think about obtaining one if: You have a poor credit score or a limited credit history. Your debt-to income (DTI) percentage is excessive You only qualify for high interest rates If you have been rejected by lenders for an upcoming loan Co-signing is different from. co-borrowing There’s a major difference between having a co-signer for your loan and co-borrowing, which is often called a co-applicant. It is important to understand the ways in which these two methods of purchasing a car differ. If you’ve got co-signers, that person is not the owner or control over the automobile. They simply consent to take over and make car payments should you be in a position to make them. Co-borrowers, on the other hand, shares ownership of the vehicle. From the moment the loan is initiated, the co-borrower is just as accountable as you are for the payments. In addition, when taking out the loan with a co-borrower, any assets being used to guarantee the loan, such as a home or a car, may be owned by both co-borrowers. There are times when it is not necessary to have co-signers on auto loan Co-signing with a person to obtain an auto loan approved is an option that should be considered carefully prior to submitting. In some cases it might not be the best option depending on your financial needs and situation. The car you want isn’t within financial reach. If the vehicle isn’t within your budget, even with a lower interest rate, it’s better to avoid buying a car completely. It may be a good idea to hold back on purchasing the vehicle until you are able to save money to pay for a larger down payment to ensure the loan amount is more in line with your income and monthly budget. It is also possible to consider a loan the possibility of using a credit card, which could allow you to get a lower rate of interest and lower loan payments on your own. If you’re eager to get a vehicle for less, you can do so at a lower cost level. They are generally more affordable. You can enjoy the same features to new cars , without spending a lot, even if you still need a co-signer to qualify. Always consider spending prior to seeking loans or purchasing a car. There is a chance of conflict with your co-signer A co-signer has a significant risk when they sign a contract to back your loan. If you fall behind on payments or default your co-signer may be impacted negatively on their credit score -as well as on their finances in the future in the event that the lender pursues legal action. This could strain your relationship, potentially beyond repair. Conflict may also develop if your relationship with the co-signer you signed for deteriorates because of reasons not connected with the loan. If things become strained, look into how to . The bottom line Having someone else as a co-signer with the auto loan application will help you get approval faster. You will often land more favorable loan conditions and lower monthly installments. Co-signers can be useful if you’re just beginning to build an credit profile or your credit score requires improvement. Before you use a co-signer in order to proceed with the loan application, consider your other options. Saving money can allow you to make the car purchase cheaper for you and your budget. So can improving your credit score to earn more . Related Articles:

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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.

Editor: Rhys Subitch Edited by Auto loans editor

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What to do if you can’t make your final car loan payment Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make smarter financial decisions by offering you interactive financial calculators and tools, publishing original and objective content, by enabling you to conduct research and review information for no cost – so that you can 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 offers that appear on this site come from companies that pay us. This compensation could affect how and when products are featured on the site, such as for instance, the order in which they may appear within the listing categories, except where prohibited by law. This applies to our loan products, such as mortgages and home equity and other products for home loans. However, this compensation will not influence the content we publish or the reviews you read on this site. We do not include the vast array of companies or financial offerings that could be available to you. SHARE Maskot/Getty Images

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Written by Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers with the ins and outs of securely taking out loans to purchase a car. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since late 2021. They are committed to helping readers gain the confidence to manage their finances through providing clear, well-researched information that breaks down otherwise complex topics into manageable bites. The Bankrate promises

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If you have questions about money. Bankrate can help. Our experts have been helping you manage your money for over four years. We are constantly striving to give our customers the right guidance and the tools necessary to be successful throughout their financial journey. Bankrate adheres to a strict code of conduct , so you can trust that our content is honest and reliable. Our award-winning editors, reporters and editors create honest and accurate content that will help you make the right financial decisions. The content created by our editorial team is factual, objective and is not influenced by our advertisers. We’re open about how we are in a position to provide quality content, competitive rates, and useful tools to 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 by you clicking on certain links posted on our site. So, this compensation can affect the way, location and in what order items appear within listing categories and categories, unless it is prohibited by law. We also offer mortgage home equity, mortgage and other home loan products. Other elements, such as our own rules for our website and whether the product is available in the area you reside in or is within your own personal credit score can also impact the way and place products are listed on this website. We strive to offer the most diverse selection of products, Bankrate does not include information about each financial or credit item or service. Paying your car loan late or not paying it at all has the same consequences, regardless of whether that payment is your first or your last. Failure to make the payments on your car could lead to repossession. There are alternatives to keep your car and avoid repossession even though it is the final payment. There are options if you cannot afford the final payment on your car you’re having difficulty to make your final loan payment you have several options to stay clear of negative effects on your credit in the long term and the associated costs. 1. Request a loan modification loan modification. Requesting a modification result in exactly what it sounds like: the modification of a loan. This is different from refinancing your loan. Loan modification is a process that is done in conjunction with your current lender to alter your terms. A typical modification may lead to lower rates of interest, or deferred payments. While this may be more challenging in the middle of the duration of your loan make contact with your lender immediately if you are able to. 2. Transfer your car to your vehicle you will have to contact several dealerships and see which ones have a more affordable car available. This process may be easier when you finance your car through a dealership and work with that dealership, but it’s possible even if you don’t. Do not settle for the first deal you are offered, shop around and know the value of your car when you ask for quotations. 3. Sell privately Although it will require more consideration, it can alleviate the stress of your vehicle and let you purchase a lower-cost alternative. It is particularly popular right in the present, and you’ll likely be able to get a decent price. But selling your vehicle will mean the need for a new car and, with a hot market, it may be challenging to find a car that meets your particular needs and budget. 4. Ask friends and family for assistance. Another option is to ask friends and family for help. Although this assistance doesn’t have necessarily be financial in nature, it could feel uncomfortable. Use this as a final effort to pay for vehicle repossession instead of your primary protection. Ask those around you whether they know anyone who is interested in purchasing or selling a less pricey vehicle, and then work from there. The possibility of refinancing your loan isn’t an option.

However, if you’re in the final stage of payment of your loan you are too far to refinance. The lenders have specific restrictions regarding refinancing things like age of the vehicle or mileage, as well as the loan amount. [/su_editorial-insight How to avoid car loan payment issues in the future Not making your final car payment can be discouraging, but one financial misstep does not need to result in a lifetime of headaches. Instead, take some time to plan the next loan to ensure that you pay on time. Set aside money for your next car purchase. The best way to avoid future financial difficulties is to only financing a vehicle you can afford. Before signing off on your next auto loan determine how your monthly payments fit into your budget and also incorporating any major changes on you bank account. Install automatic payments. Not all lenders have the option of automatic payments however the majority of them offer this feature. And if you have consistent payments, it’s the best way to ensure that you pay your loan payments on time and in full. It is possible to get the rate discount that certain lenders provide when you enroll in autopay. Check for loan add-ons If you’re financing through a dealership be sure to read the fine print on your loan agreement to ensure that you don’t spend extra cash each month for . Look out for typical additional services like extended warranties as well as tire and wheel protection including rustproofing and GAP insurance. The bottom line Trying to make your final payment can result in you losing your car in the event that you don’t act quickly. There are options. Consider loan modification, selling your vehicle, selling it privately or contacting relatives and friends prior to accepting repossession of your vehicle. Keep up-to-date with the latest information options to ensure that you’re not in this precarious situation with your next set of wheels. Find out more

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This article is written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers in navigating the details of 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 late 2021. They are dedicated to helping readers gain the confidence to control their finances through providing clear, well-researched facts that break down otherwise complex topics into manageable bites.

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How to buy a certified pre-owned car Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by offering interactive tools and financial calculators as well as publishing original and impartial content. This allows users to conduct research and compare information for free and help you make informed 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 site come from companies that compensate us. This compensation may impact how and when products appear on this site, including such things as the order in which they may appear in the listing categories, except where prohibited by law. This applies to our mortgage, home equity and other home loan products. However, this compensation will not influence the content we publish or the reviews that you see on this site. We do not contain the entire universe of businesses or financial deals that could be available to you.

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3 minutes read. Published September 8, 2022

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Certified pre-owned cars are a fantastic option for anyone who is looking for an excellent car without the new car price tag. They offer a variety of advantages, including lower overall costs. To locate a high-quality certified pre-owned car it is necessary to follow three steps. 3 steps to purchase certified pre-owned cars Certified pre-owned cars are generally offered at a lower price than brand new ones. They may also come with factory-backed warranties as well as the security that a trusted dealer can provide. Step 1: Conduct your research You will want to know what you require from an automobile before you start looking. Pick out a vehicle that meets your requirements and . It is possible to do this by researching the prices and key characteristics, such as whether the cars have a backup camera and thermostats for the seats as well as their dimensions and. Step 2: Shop for it There are numerous sites to locate certified used cars, but inventory might be limited in the present market. Once you have narrowed down your choices, it is time to shop. You can shop , at brick-and-mortar dealerships or a combination of both. Check out all the choices available and then compare the services they provide. Step 3: Check its certification . Certified pre-owned cars might come with a history report. This report will give you a full look into the life of the car and any prior collisions, damage, or mechanical issues. Where can you buy certified pre-owned cars used vehicles are available in a wide range of dealerships. Franchise dealerships. If you have a certain brand you wish to drive, check out dealerships that are owned by certain auto manufacturers. Rentals. Dealerships that deal in old rental vehicles, like Hertz or Enterprise also tend to be an excellent option to purchase CPO vehicles. However, rentals might have seen more use than the typical used vehicle. Online dealerships. The internet is an excellent CPO shopping destination. Check sites like , , Edmunds, Kelley Blue Book and TrueCar. Pre-owned car dealerships. You can also find certified pre-owned cars. The benefits of buying certified used many advantages of purchasing certified used vehicles. Extended warranty A certified pre-owned vehicle could have an extended warranty, which provides protection for a longer time. It is likely that the warranty will include a limited powertrain guarantee that covers the transmission, engine and drivetrain components, as well as a limited bumper-to bumper warranty for parts of the body and the interior. Bankrate advice: Examine for the length of time the vehicle warranty is good for and request warranties that exclude certain components. Check for an inventory of the components that aren’t covered — for example, tires — under the CPO warranty. If the vehicle has electronic components that require lots of components, such as sensors for tire wear and brakes inquire with the dealer about whether the warranty will cover replacements. Better value Another benefit when purchasing a certified used vehicle is that it can lower the total cost of the car. This is due to the fact that the vehicle is inspected by the dealership and comes with some kind of warranty. Both of these could result in a lower price . There’s no need to worry about potential future repairs or mechanical issues like you would with a used car that isn’t certified. This allows you to focus more on the vehicle its features, and less of the possibility of hidden issues. Exchange programs Depending on the dealer and the manufacturer, you may be able to return the car within a specific amount of time if you aren’t satisfied with the car. This isn’t a possibility for all CPO vehicles though it is recommended to check with your dealer prior to signing on if you want this benefit. What to watch out for If you plan on buying a , you should be prepared to be patient to get an excellent car. Be patient. Pre-owned cars are highly sought-after in the present. It could take you many months to locate the perfect car which is why you should be patient and continue to search for . Do your research Check that the car you’re considering comes with the features you are looking for and compare prices with similar vehicles in your area. It is also possible to compare the cars and locate local dealerships online. Check it out. Having your vehicle examined by a mechanic before purchase is among the most effective ways to ensure you are getting a high-quality car, even if it’s a CPO. You can also look up the vehicle’s history report with the help of the VIN number. (VIN). Try a test drive when you take your car for a test drive, notice the manner in which it responds and if anything seems out of place, like strange whining or knocking sounds. Ask for an evening test drive in order to see the performance of the headlights. Keep in mind that since you’re looking at a used car, you will have more room for negotiation. The next step is to decide whether you want to buy an approved pre-owned vehicle requires some planning and research, but with some patience, you can get an excellent car at an affordable price. If you’ve found the best fit, make sure you qualify for financing before you begin to make the purchase. Making an offer with a credit card is a way to give you more room to .

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Reviewed by Mark Kantrowtiz Reviewed by Nationally known expert on student financial aid

Mark Kantrowitz is an expert on student financial aid The FAFSA as well as 529 plans, scholarships as well as tax benefits for education and student loans.

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Most reliable cars to buy in 2023 Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by offering you interactive tools and financial calculators as well as publishing objective and unique content. We also allow you to conduct research and compare information for free and help you make financial decisions with confidence. Bankrate has partnerships with issuers, including but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The deals that are displayed on this site come from companies that compensate us. This compensation can affect the way and where products appear 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 for our mortgage or home equity products, as well as other home lending products. This compensation, however, does have no impact on the information we provide, or the reviews that you see on this site. We do not contain the entire universe of businesses or financial deals that could be accessible to you. Richard Drury/Getty Images

4 min read Published February 14, 2023

Written by Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in helping readers with the ways and pitfalls of borrowing money to purchase cars. Edited by Helen Wilbers Edited by Helen Wilbers Editing for Bankrate from late 2022. He believes in the clarity of reporting that can help readers successfully land deals and make the most appropriate choices regarding their money. He specializes in small business and auto loans. The Bankrate guarantee

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They ensure that what we write will ensure that our content is reliable, honest and reliable. Our loans reporter and editor concentrate on the points consumers care about the most — various kinds of loans available as well as the best rates, the best lenders, ways to pay off debt , and many more. So you can feel confident when investing your money. Editorial integrity

Bankrate has a strict policy , so you can trust that we’ll put your needs first. Our award-winning editors, reporters and editors create honest and accurate content to aid you in making the best financial decisions. Key Principles We respect your confidence. Our goal is to offer readers truthful and impartial information, and we have established editorial standards to ensure this happens. Our editors and reporters thoroughly fact-check editorial content to ensure that the information you’re reading is accurate. We keep a barrier with our advertising partners and the editorial team. Our editorial team does not receive compensation directly from our advertisers. Editorial Independence Bankrate’s editorial staff writes in the name of YOU the reader. Our goal is to give you the most accurate advice to help you make smart personal financial decisions. We adhere to strict guidelines to ensure that our editorial content isn’t in any way influenced by advertising. Our editorial team is not paid any compensation directly from advertisers and all of our content is fact-checked to ensure accuracy. Therefore, whether you’re reading an article or a review you can be sure that you’re receiving reliable and dependable information. How we earn money

If you have questions about money. Bankrate has answers. Our experts have helped you understand your finances for more than four years. 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 , so you can trust that our content is truthful and accurate. Our award-winning editors, reporters and editors provide honest and trustworthy content to help you make the right financial choices. The content we create by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent regarding how we’re capable of bringing high-quality content, competitive rates and useful tools to you , by describing how we earn our money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for the placement of sponsored products or services, or when you click on specific links on our site. So, this compensation can influence the manner, place and in what order products are listed and categories, unless it is prohibited by law. We also offer credit, mortgage and other home loan products. Other factors, like our own rules for our website and whether the product is available within the area you reside in or is within your personal credit score may also influence the way and place products are listed on this website. Although we try to offer the most diverse selection of products, Bankrate does not include details about every credit or financial products or services. Whether you’re for a new or used car it’s an important factor for many. But what exactly is a reliable vehicle? Most of the time, it lasts well and is less likely of being damaged or in need of repair. A reliable vehicle will mean you will get more bang for your money. Finding a vehicle that fits the criteria is crucial as monthly financing for new and used vehicles averages at between $700 and $525 as per data from third quarter State of Automotive Finance Market. Therefore, while the cars that have the least problems may not be the most expensive but you’ll spend less over the course of the duration of ownership. If you’re in search of good, reliable cars you must do some research before you buy. 9 of the most reliable vehicles It can take a long time to study every make and model to locate good, reliable cars. But fortunately, industry experts have done much of the work for you. J.D. Power has a breakdown of the most reliable models in its 2023 based on 184 specific problems that can plague vehicle owners. Here are the top nine vehicles for you to consider with the least problems. 1. Kia Forte (Top-rated compact car) For those who live in cities or those who are looking for a smaller option for their car, the Forte wins the race due to its spacious interior and high-end features, even with its reasonable price. The Forte’s fuel efficiency makes the Forte an excellent choice for gas-conscious drivers. Seamless 8-inch infotainment screen Competitive fuel economy Keyless entry with remote Remote-based warranty available. Hands-free Bluetooth equipped with Apple CarPlay and Android Auto 2. Kia K5 (Top-rated mid-sized car) A size upgrade from the Forte, the K5 (formerly known as the Optima) has a spacious interior and a streamlined technology that allows for easy handling. With five trims available the driver can choose the best fit for their budget and requirements. Rear parking sensors Apple CarPlay or Andriod Auto integrated, six speakers Remote start feature Standard emergency braking with lane-keeping aid and lane departure alert 3. Toyota C-HR (Top-rated small SUV) Affiliating it with Lexus RX for most reliable model in general, the CHR features a stylish exterior and comfortable ride. The most recent version is equipped with stand-by-driver-assist tech and Apple CarPlay or Android Auto. Even with its small SUV size, the folding rear seats offer a larger-than-usual space for luggage. Dual-zone climate control. Sporty and elegant interior design Standard lane-assist and the departure 4.2-inch speed gauge display with 8-inch touchscreen for infotainment. Kia Sportage (Top-rated compact SUV) Despite its size the Sportage offers a spacious five-seat interior and handsome exterior. The latest models come with a variety of options to add a large sunroof and LED cabin lighting. The size makes it a great option for families who require space but prefers easy handling. The interior is spacious enough for a vehicle. 8-inch touchscreen infotainment unit Classy exterior design with 187-261 horsepower 39.6 cubic feet of cargo space 5. Chevrolet Blazer (Top-rated midsize SUV) While a bit more expensive than the competition however, the Blazer offers a sporty and sleek exterior design matched with easy handling. The newest trim models offer an array of additional paint colors, such as copper bronze, radiant red as well as fountain blue. 10-inch infotainment touchscreen with wireless charging pad Spacious five-seat configuration Six-speaker audio system , Wi-Fi hotspot 6. Chevrolet Tahoe (Top-rated large SUV) This classic SUV offers the ability to move with ease for its dimensions and comes in a variety of options for trims. While add-ons can cause the vehicle to fall below a luxury price point and the All-terrain Z71 model is ideal for drivers who live in stormy regions. Wi-Fi hotspot, voice recognition 277-420 horsepower Standard driver assist features 6.2-liter V8 engine Google integration 7. Toyota Sienna (Top-rated minivan) Placing high for its second year, the Sienna is a great fuel efficiency for its class, thanks to its completely modernized hybrid engine. The spacious, stylish interior makes it an obvious option for families with large families. 9-inch touchscreen infotainment system with touch screen Apple CarPlay, Android Auto, Amazon Alexa and Wi-Fi hotspot. Six-speaker stereo that includes satellite radio 33.5 cubic feet of storage space behind the third-row seat eight seats in standard models 8 seats. Toyota Tacoma (Top-rated midsize pickup) A favorite among many, the Tacoma offers the capabilities of a truck coupled with simple handling. New models feature new trim levels with sleek exteriors, and an available six-speed manual transmission that is paired to the engine V6. 6-800-pound towing capacity, long-lasting durability 159-278 horsepower Anrdoid auto, Apple CarPlay and Amazon Alexa 8-inch touchscreen infotainment screen 9. GMC Sierra (Top-rated large light-duty pickup) With its impressive handling and off-road enhancements, the classic pickup is great for hauling, towing or simply getting from point A point B. The 2023 model comes with modern technologies and a modern exterior design. A large truck bed with a 10-speed shiftable automatic transmission, 13,200-pound towing capacity Anrdoid Auto, Apple CarPlay and speed-sensitive volume control Luxiorous leather interior Additional vehicle costs regardless of the model you choose to buy other costs for your vehicle are likely to come up. It is essential to think about these when determining which vehicle . The average cost of car maintenance Keeping up with maintenance is essential to maximize the reliability of your vehicle and saving money. If you do not keep on top of the recommended maintenance schedule, your vehicle or truck could not last as long as it should. The price of maintenance for an automobile is contingent on the make and model. But it is important to note that new cars don’t require a lot of maintenance other than the basic like oil change as well as tire rotation. As a vehicle gets older but, you can expect to pay more to ensure it’s running efficiently. Understanding the cost of ownership It’s typical for people to concentrate on the price of the car to determine if they’re receiving a good bargain. However, the expense of owning a vehicle goes far beyond that upfront cost. In addition to maintenance it is important to consider other factors to consider. These include: Finance costs that include interest and charges Fees and taxes Repairs Fees for registration of fuel Many experts in the field allow you to compare vehicles by showing the cost of each vehicle over five years. The most reliable vehicles typically are less expensive since they don’t require as much maintenance and repairs. It provides data on the values of cars and the five-year cost of owning a specific model. Use the data or a calculator provided by another company in the industry to determine a car’s reliability. The next step in determining which car is the best for you is based on more than car reliability. Consider your lifestyle and needs completely before making a purchase to ensure you drive away happy and with a long-lasting vehicle. If you are planning to finance the purchase of a new vehicle make sure you apply to and receive loans from various lenders.

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The article was written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers in navigating the details of borrowing money to purchase cars. Edited by Helen Wilbers Edited by Helen Wilbers has been editing for Bankrate from late 2022. He believes in the clarity of reporting that can help readers confidently find deals and make the most appropriate choices regarding their finances. He is an expert in small business and auto loans. Similar Articles: Auto Loans 5 minutes read February 24, 2023 Auto Loans 4 min read Feb 24, 2023 Car Insurance 7 min read Sep 13 2022. Loans 3 min read Aug 25, 2022

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Tax advantages of leasing vs. buying 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 offering you interactive tools and financial calculators that provide objective and original content. We also allow you to conduct research and compare data for free and help you make sound financial decisions. Bankrate has partnerships with issuers such as, 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 website are provided by companies that compensate us. This compensation can affect the way and when products appear on the site, such as, for example, the order in which they appear in the listing categories and other categories, unless prohibited by law for our mortgage, home equity and other products for home loans. This compensation, however, does affect the content we publish or the reviews you read on this site. We do not contain the universe of companies or financial deals that could be accessible to you. SHARE: andresr/Getty Images

4 min read Published June 14, 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. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since late 2021. They are committed to helping readers gain confidence to take control of their finances through providing precise, well-researched and well-researched data that breaks down otherwise complex issues into digestible chunks. 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 ethical standards ,

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

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

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who ensure everything we publish will ensure that our content is reliable, honest and trustworthy. The loans journalists and editors are focused on the things that consumers care about the most — the various types of loans available as well as the best rates, the best lenders, how to repay debt, and many more. So you’ll feel safe making a decision about your investment. Editorial integrity

Bankrate adheres to a strict code of conduct standard of conduct, which means you can be confident that we put your interests first. Our award-winning editors and journalists produce honest and reliable information to assist you in making the right financial choices. Our main principles are that we respect your confidence. Our goal is to offer readers reliable and honest information, and we have established editorial standards to ensure that this happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is correct. We keep a barrier between our advertisers and our editorial team. Our editorial team does not receive compensation directly from our advertisers. Editorial Independence Bankrate’s editorial staff writes in the name of YOU the reader. Our goal is to give you the most relevant advice to help you make wise financial choices for yourself. We follow rigorous guidelines that ensure our content isn’t affected by advertisements. Our editorial team receives no any compensation directly from advertisers and all of our content is verified to guarantee its accuracy. So whether you’re reading an article or a review, you can trust that you’re getting credible and reliable information. How we earn money

If you have questions about money. Bankrate can help. Our experts have been helping you master your finances for more than four decades. We continually strive to provide our readers with the professional advice 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 precise. Our award-winning editors and reporters provide honest and trustworthy content that will help you make the best financial decisions. Our content produced by our editorial team is factual, objective, and not influenced from our advertising. We’re transparent about how we are in a position to provide quality information, competitive rates and practical 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 the promotion of sponsored goods and, services, or when you click on specific links on our site. Therefore, this compensation may influence the manner, place and in what order products appear within listing categories and categories, unless it is prohibited by law for our mortgage, home equity, and other home loan products. Other elements, such as our own website rules and whether a product is available in your region or within your own personal credit score could also affect how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include details about every financial or credit product or service. As a business owner you’ll probably need to think more thought into whether you should purchase or lease your car as opposed to the typical driver. All the standard questions that you have to answer about whether you should lease or buy come into play, but there’s an additional factor — namely, how do you get tax advantages? Tax deductions for business vehicles When you use a vehicle for business purposes, there are two approaches accepted from the IRS to deduct the associated expenses on your federal tax return. You can use what’s referred to as the standard mileage deduction, or opt to use the actual expense deduction. It is possible to switch between the standard and actual expense from year to the year when you purchase a vehicle but you must stick with what you first pick when leasing. Mileage deduction : The standard mileage method allows you to claim miles driven for your business on your federal tax return. The IRS releases the standard mileage rates that can be used to determine the deductible cost of running a vehicle for business use each year. The rate for 2022 is 58.5 cents per mile to serve business needs. This means if you drive 15,000 miles in the course of your business, you are able to claim a deduction of up to $8,775. Lease payments You may deduct the cost of monthly lease payments by making use of the actual expense deduction you claim on your federal tax returns. The amount of allowance for lease payments is contingent on the amount of time you drive the vehicle solely for business purposes. For example, if your monthly lease payments are $400 and your vehicle is used at least 50 percent of the time by business it is possible to claim $200 per month as an expense. This benefit is only available when you sign up for a standard lease. It is not possible to claim a federal tax deduction for monthly lease payments if you take on the lease-to-own option, which means you will own the vehicle when the contract expires rather than needing to return the car back to the dealership. Depreciation Only cars purchased are eligible to deduct the cost of depreciation and only when the actual expense deduction is used. The method for determining how much your car depreciated throughout the year is typically Modified Accelerated Cost Recovery System (MACRS). Similar to the mileage deduction, the deduction for depreciation changes each year. The deduction for 2021 was maximum amount you could claim was $10,200, but there are options to increase this amount based on when the vehicle entered service. It is recommended to review the IRS to be familiar with the methods you can reduce the value of your vehicles and other assets as an owner of a business. Operating and maintenance expenses cost rules also allow for the deduction of other expenses like oil and gas changes as well as tire repairs and purchases for your leased or purchased vehicle. If your vehicle needs urgent repairs or maintenance for business reasons be sure to keep a detailed track of the expenses. In this way, you’ll be aware of precisely what you paid for — and how much your business can save on tax time. Cost differences between the purchase and lease vehicles. The initial cost could be lower when leasing a vehicle with the same brand, model and year in comparison to purchasing it. If you are a business owner, those savings can be used for other business needs and investments. If you are certain that you will stay within the lease terms for wear and tear and expected mileage, you may discover that the lower payment can yield more money for your business. If you are comparing the same vehicle as a lease versus a buy, your monthly payments and first down payments can be less expensive when you lease. There may be a reduction in expenses for maintenance if the lease covers the cost of regular maintenance, like oil changes. Purchasing has advantages when it comes to the fact that you’ll eventually own the car, while leases have to expire eventually, and your business will be left without equity. The cost of early termination when you need to end the lease early, and excessive mileage charges incurred when you exceed the mileage limits can also be significant in the case of leases. Both options are subject to charges for interest and other charges which means that it’s all about the way your company will require to utilize the vehicle. Is it better to either lease or buy a company vehicle? The potential tax benefits are only one of the factors to consider for owners of businesses. Ultimately, a vehicle purchase or lease is a big expense for your business and you should look at the problem from all angles prior to committing. Lease contracts typically limit the number of miles that a vehicle can be driven up to 10 or 20 miles per year. When you go beyond the limit, you could be subject to a penalty of between 10 and 50 cents per mile. If you are driving a good deal for your business, buying a car may be the right choice. It is also required that the vehicle be kept in good condition. If you fail to keep on your side of the agreement , or if you notice excessive wear and tear on the vehicle when you return it, there may be additional fees. Also, keep in the mind that when you lease one vehicle after another, you will always have monthly payments for your car, in contrast to when you purchase a vehicle and then own it outright. If you want to have access to the most recent car models with the latest technologies in the market, leasing a car can be a great way to achieve this, which allows you to get a brand new vehicle every three years or so. Additionally, since lease payments tend to be cheaper than a conventional car loan which means you’ll be in a position to purchase a luxury car. The bottom line is that, like the many aspects of running a business, there’s not a one-size-fits-all answer when it comes to if leasing or buying a vehicle offers tax benefits. Take into consideration how the vehicle will be used, upfront costs, long-term expenses and the possibility of additional charges in addition to the amount of deductions you might be eligible for before you purchase the right vehicle for your business. Find out more about SHARE:

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 writing and editing for Bankrate from late 2021. They are dedicated to helping readers gain confidence to control their finances through providing precise, well-studied information that break down complex topics into manageable bites.

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Related Articles Auto Loans 5 min read March 03 2023 Auto Loans 4 min read Jan 24 2023 Auto Loans 6 minutes read on Sep 23, 2022. Loans 4 min read Aug 22, 2022

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Credit Direct

Credit Direct auto loans 2023 review published 2023-01-01-01 00:00:00

Writen by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers to navigate the ways and pitfalls of using loans to buy an automobile.

Editor: 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 by providing precise, well-studied information that breaks down otherwise complex subjects into digestible chunks.

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 as well as publishing high-quality and impartial content. We also allow users to conduct studies and compare information at no cost and help you make informed financial decisions. 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 website are provided by companies that pay us. This compensation can affect the way and where products appear on this website, for example, for example, the sequence in which they appear within the listing categories, except where prohibited by law for our mortgage or home equity products, as well as other home loan products. But this compensation does not influence the information we publish, or the reviews you read on this site. We do not cover the universe of companies or financial deals that may be available to you.

About our reviews . Editorial disclosure Reviewers are supervised by staff. The opinions expressed are solely those of the reviewer , and are not reviewed or approved by any advertising company. The information, including rates and fees provided in the review is accurate as of the date of the review. Look over the information in the upper right hand corner of the page as well as the lender’s site for the most recent information.

A glance 4.0 Rating 4 stars out five

Bankrate Score

Availability Rating: 3.5 stars out of 5

The Affordability Score: 3.4 stars out of five

Customers Experience Score: 3.8 five stars of five

Transparency Rating 5 stars out of 5

Check auto loan rates

About Credit Direct Loan amount of $1,000 to $40,000

Min. credit score Not specified

APR from 5.99%-29.99%

Funds are available within 48 to 72 hours

Credit Direct pros and cons The credit direct personal loans for purchases of cars are accessible by borrowers with varying financial backgrounds and are able to be prequalified without affecting your score on credit. But, they’re limited to a handful of states.

PROS Flexible loan amounts

There is no hard question

Range of acceptance criteria

CONS Only available in 11 states

A small maximum loan amount

Credit Direct is a personal loan marketplace that provides loans both direct and via its dependable partner network to borrowers looking for loans. The car purchase loans provided by Credit Direct have a lower minimum loan amount than the majority of lenders of the other lenders, making them ideal for those seeking to finance a smaller purchase. The loans are not secured, meaning that the interest rates advertised are usually a little higher.

Do you qualify? Credit Direct doesn’t specify eligibility requirements on its website, or over the phone. However, it does state that applicants with all levels in credit score are eligible to apply, and you may be approved if your score is between 500 to 600. Also, you must have a reliable, steady source of income which allows you to pay on time monthly payment. What we like and what don’t like Consider the risks and the benefits that an loan with Credit Direct brings.

We love flexibility drivers can get loans of as little as $1000 which is perfect for purchasing an older car for parts. In addition, you’ll be able to own the car outright because it’s . There is no hard inquiry: You can look at potential rates and terms without needing to submit a hard credit check. Range of acceptance criteria: Credit Direct uses underwriting criteria that take more than just credit history into account. What we don’t like Limited availability by state Personal loans are only available in 11 states. The limit on loan sum: A maximum loan amount of just $40,000 isn’t enough to cover the average that surpassed $48,000 by the latter half of 2022. How to contact Credit Direct Credit Direct offers limited support 24 hours a day via its call center , 866-414-4198. The full service is offered during normal business hours from 9 a.m. to 6 p.m. ET Tuesday through Thursday and 9 a.m. to 5 p.m. ET during Fridays.

Auto loan kinds offered Credit Direct provides personal loans that are used to purchase new or used vehicles.

Loan quick facts Amounts: $1,000-$40,000 Terms: 12-60 months APR: 5.99%-29.99%

Credit Direct offers personal loans for repairs and purchases of vehicles. A personal auto purchase loan via Credit Direct can be used to finance the purchase of your next car or to purchase another one for parts. This is different from a traditional auto loan, by the vehicle you’re purchasing. The minimum loan amount is significantly smaller than other auto loan companies, meaning you won’t need to take out more than you need. Also, you’ll have the option to take your money to the dealer of your choice. How to apply for an loan through Credit Direct The application process is fully automated on Credit Direct’s website. Credit Direct site and takes only minutes with no hard inquiry. As per the Credit Direct website, the process is simple, and you can receive the funds within up to 72 hours through direct deposits. Choose the loan amount. Complete the online form with the necessary information to check your expected rates. Check out loan options. In just a few minutes, Credit Direct will present you with varying loan options for you to consider. Pay attention to the APR and terms. Accept and sign. If the loan offerings fit your needs You can complete the application online. You will receive the funds. Then, you’ll receive the funds through direct deposit.

Information required for the application: Social Security number, vehicle information The amount of the loan Two months of Bank statements. One month’s pay-stubs.. Most recently issued W2 government ID

Credit Direct FAQs

Is Credit Direct a direct lender or does it offer loans through third-parties? Credit Direct both originates personal loans and is dependent on its network of lenders to help borrowers find the most affordable deal.

Do you need a co-signer to apply for credit using Credit Direct? Yes, co-signers can be added to loan applications to aid in determining whether you get better conditions.

Does Credit Direct do a hard pull? A hard credit check is only required if you take the loan offer and proceed by submitting a formal application. However, you can view potential rates by , which won’t impact your credit score.

How Bankrate rates Credit Direct

Overall score

4.0

Availability

3.8

Credit Direct only offers loans in 11 states. The low maximum loan amount is offset by flexible terms and a small minimum amount.

Affordability

3.4

Credit Direct scores decently due to its flexible underwriting guidelines however, it has a high APR when compared with competitors.

Customer experience

3.6

While there is limited 24/7 call center support, customers can only get full support during working hours.

Transparency

5.0

Credit Direct discloses expected rates and terms as well as encourages applicants to prequalify.

Methodology Bankrate considers 18 data points when choosing the best auto loans. Acceptance criteria, the rates or fees readily available and the APR range are all factors that affect lender scores. These scores are split into four categories. Availability: Loan amounts and repayment options, dealership requirements and state availability all make up this category. Affordability: This section contains APR ranges and acceptance criteria, as well as discounts and fees. Customer experience: How long you’ll have to wait to buy, customer service availability and whether or not there’s an app and autopay availability are accounted by this category. Transparency: This category is responsible for the availability of rates and fees and the availability of prequalification.

Editorial disclosure: All reviews are prepared by Bankrate.com staff. The opinions expressed are solely those of the reviewer and have not been reviewed or acknowledged by any advertiser. The information, including rates and fees provided in the review is accurate at the time of the review. Check the data in the upper right hand corner of the page, and the lender’s website to find the most current details.

Written by

Rebecca Betterton

Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers to navigate the ways and pitfalls of borrowing money to purchase the car they want.

Editor: 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 take control of their finances by providing precise, well-studied facts that break down otherwise complex topics into manageable bites.

Auto loans editor

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