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<font face="Verdana" size=2>Auto Loan Tips - by <a href=http://creditfederal.com>CreditFederal.com</a><br><br><font size="2"><span style="font-family: Verdana;">Free tips to help secure the best auto loan for you. Submit your online application for a good or bad credit auto loan quote.</span><br style="font-family: Verdana;"><br style="font-family: Verdana;"><span style="font-family: Verdana;"><span style="font-weight: bold;">Perform a credit check.</span> One error or outdated bad credit entry on your credit report can cost you hundreds in extra interest payments. Examine your credit report and fix errors before you submit an auto loan application. Reminder: Every consumer is entitled to an annual <a href="http://creditfederal.com/free-credit-report.html">free credit report</a>. Even if you already obtained your free credit report for the year, if you applied for any credit which requires a credit report review and if you were turned down, you have the right to obtain a credit report from the bureau which supplied the creditor with the information which resulted in your rejection.</span><br style="font-family: Verdana;"><br style="font-family: Verdana;"><span style="font-family: Verdana;"><span style="font-weight: bold;">Calculate your down payment and monthly payment.</span> The larger your <a href="http://creditfederal.com/auto-loan-downpayment.html">auto loan down payment</a>, the more money you'll save in the long run by reduced interest charges. Also, the better loan-to-value ratio you'll have (see next tip). Don't forget to also calculate how much your budget can afford in monthly car note payments (and insurance; see below). Use our free <a href="http://creditfederal.com/auto-loan-calculator.html">auto loan calculator</a>.</span><br style="font-family: Verdana;"><br style="font-family: Verdana;"><span style="font-family: Verdana;"><span style="font-weight: bold;">Calculate Loan-to-Value ratio.</span> If you have a small downpayment, you'll likely end up carrying a loan that is higher than the value of your auto. If you should decide to trade-in or sell the vehicle before it's paid off, you'll be top heavy (owe more than what you can get for it). The first years of the loan payment process covers a larger percentage of interest instead of principal, so calculate the Loan-to-Value ratio for at least the first 3 years of the loan term.</span><br style="font-family: Verdana;"><br style="font-family: Verdana;"><span style="font-family: Verdana;"><span style="font-weight: bold;">Calculate insurance premiums.</span> Not only get your insurance quote, but also shop insurance quotes for other vehicles. It's no secret that the vehicles considered the safest and the less cost to repair have lower insurance rates.</span><br style="font-family: Verdana;"><br style="font-family: Verdana;"><span style="font-family: Verdana;"><span style="font-weight: bold;">Get auto loan quotes online.</span> Often you can get better approval success and lower interest rates by shopping online for <a href="http://creditfederal.com/auto-loan.html">auto loan lenders</a>. It's not a car dealership's priority to get you the lowest interest rate. Their priority is to get any financing so they can sell you a car. Also, some dealerships receive commissions from partner lenders for bringing them customers, so their focus is not to get you the lowest rate. Another advantage of getting an auto loan before you even visit a dealership, is that you can have greater bargaining power. Borrow the exact amount you want to pay for a certain vehicle, walk into the dealership with a check in that amount already in your hand and give the dealer a take-it-or-leave-it option. Be sure to get a loan that will not charge any penalty fees for advanced payments or for early payoff.</span><br style="font-family: Verdana;"><br style="font-family: Verdana;"><span style="font-family: Verdana; font-weight: bold;">Submit your online application for a good or bad credit <a href="http://creditfederal.com/auto-loan.html">auto loan quote</a>.</span><br style="font-family: Verdana;"></font><br><br>This article provided courtesy of <a href=http://creditfederal.com target=_new>www.CreditFederal.com</a>, a personal credit resource of good or bad credit credit cards and loans.</font> <!-- End ViewBlogEntryPanel --> <!-- Start ViewBlogsPanel --> <!-- End ViewBlogsPanel --> <!-- Start SubmitCommentPanel --> <!-- End SubmitCommentPanel --> </td> </tr> </table> </td> </tr> <tr> <td class="FooterContainer"> <!-- Start PageFooter --> <TABLE id="Table1" cellSpacing="0" cellPadding="0" width="100%" border="0" class="PageFooter"><TR><TD><font face="Verdana" size="1">Copyright 2001-2012 <A href="http://creditfederal.com/" target="_top">CreditFederal.com</a> Unsecured Bad Credit Personal with No Credit Check, Guaranteed Secured and Unsecured Credit Card to Rebuild Credit, Free Debt Settlement Chargeoffs, Debt Negotiation Letters, Unsecured Debt Consolidation Loan and Credit Counseling<br><br><p align="center"><font face="Verdana" size="1"><A href="http://creditfederal.com/privacy-policy.html" target="_top" class="CreditFederal.com">Privacy Policy, Terms & Conditions</A><BR></font><br></TD></TR></TABLE><script language="JavaScript" src="http://creditfederal.com/notext.js"></script> <?php include("http://creditfederal.com/review-credit.pl"); ?> <!-- End PageFooter --> </td> </tr> </table> </div> </body> </HTML>