Finance Globe

U.S. financial and economic topics from several finance writers.

When Buying a Car, the Dealer Matters

When buying a car, it is easy to believe that every dealer is pretty much the same. As you dig around, however, you will find that this is not true. You will find that every dealer brings something unique to the table, either good or bad.Don’t make the mistake of buying a car before you compare a few dealers in your local area. As you begin the comparison process, you will soon find that there are...
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5 Tips for Buying a Car Online from a Dealer

Many years ago, buying a car meant visiting a dealership in person, hashing out the details with a salesperson, and hoping to get a good deal. While there is nothing wrong with this strategy in today’s day and age, you don’t want to overlook the benefits of buying online.Most of the buying process can be handled via the internet if you take the appropriate steps and are aware of what you should and should not be...
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5 Car Buying Myths that should Never Slow you Down

Buying a car is supposed to be a fun, enjoyable experience. While many consumers look forward to this, others are so weighed down by a variety of myths and misconceptions that they don’t know what they should and should not be doing.With all this in mind, it is important to become familiar with the most common car buying myths. When you separate fact from myth, it is much easier to make an informed and confident buying...
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Consider the Dealer when Buying a New Car

Buying a new car can be both stressful and exciting at the same time. On one end of the spectrum, you know you are going to be negotiating with the dealer for the best deal possible (that is the stressful part). On the other side, there is nothing more exciting than driving a shiny new car off the lot.Which steps can you take to minimize stress? By comparing multiple dealers, you will soon find that one...
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How to Prepare for and Shop for an Auto Loan

Picking out the car is the fun part of the car buying process. The loan, on the other hand, isn’t so much fun. You’ll be stuck with the loan for four or five years, so make sure you shop carefully. Just like you don’t want to end up driving a lemon for the next several years, you also don’t want to be saddled with a bad loan at the same time. Check your credit first. Before...
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Auto Shopping - Buying From a Private Seller

When in the market for a vehicle, it’s smart to consider buying from a private seller.The main benefit to purchasing from an individual is that you are more likely to get your auto for a good, or even great price compared to the price of a similar vehicle at a dealership. Many times, a private seller wants to sell their vehicle simply because they want to buy another one - either an upgrade or a downgrade,...
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Choosing Your Next Vehicle

Buying your next vehicle can be an exciting thing, but it can also be confusing thing if you don’t go in with at least some idea of what you’re looking for. A realistic attitude will help make car shopping go more smoothly. It can be frustrating to start with your heart set on a certain make and model if it isn’t what you really need. Ask yourself these questions to help narrow down your choices: What...
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Rights and Responsibilities After Auto Repossession

So, you have come upon unfortunate circumstances and can no longer afford to pay your auto loan payments.As you already know, the lender has the right to repossess the car once you begin to miss payments. And they are likely to act upon that right within a couple of months of non-payment, or possibly even within a matter of days if the lender specializes in loans for people with poor credit - such as a buy...
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Consumer Rights in Auto Reposession

Consumers with an auto loan already know that the vehicle can be repossessed if you don’t abide by the terms of the loan. You’ll never have to worry about this happening as long as you keep paying the monthly installment on time and abide by other terms of the loan, such as - in some states - keeping the lender-required insurance coverage up-to-date. But sometimes things don’t go as planned. Job loss, medical bills, or other...
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Can't Afford Your Auto Loan?

Coming to realize that you can longer afford your car payment can be a very stressful time for anyone. And if you absolutely need a vehicle to get to work or school, or because you live outside of a public transit route, then losing your car to repossession can cause trouble that goes beyond long-lasting credit problems. When people start having a hard time with their car payment, many tend to think it’s all over and...
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