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How Can I Get a Car Loan Without
a Cosigner?
Get
Approved for Your Car loan before You Walk into the Car Dealership
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Home > Bad
Credit Car Loan Help
If your credit history doesn't necessarily shine
a very favorable light on your financial past, you might think
that you need to have a cosigner in order to get approved for
a car loan.
Not true, for most people. If you're over 18 years of age, and
you've had your current job for a while, then you qualify to apply
for an online car loan. You're not necessarily restricted to applying
for a used car loan either - depending on your credit; you may
qualify for a new car loan also.
There are many online lenders that specialize in helping people
with no credit or very bad credit. Keep in mind that having a
cosigner sign off on the loan agreement may have its advantages
- such as lowered interest rates - but it's not always necessary.
Used and new car
lots won't necessarily advise you to get an internet car loan
for one reason. They won't be able to exploit your financial and
credit situation by charging you excessive interest rates and
piling on hefty monthly payments.
Watching the trend of auto buying from car lots has been interesting
in recent years. The first event that really started troubling
car dealers was when consumers began researching what a dealer's
cost was for a car. Car dealers had no choice but to start selling
automobiles at invoice. What has car dealerships worried now is
how easy it is for consumers to jump online and get car financing
at better rates and terms than what the dealers - in the spirit
of blatant fleecing - would typically give.
I don't know about you, but I don't feel particularly sorry for
auto
dealerships.
It's a tough economy - and more than ever, consumers need support,
not more exploitation. Our advice is that you research all of
the financial opportunities that are available to you online,
and see how fast and easy it is to get approved for a guaranteed
loan all with your singular John Hancock, without the need of
a cosigner.
The criteria that online lenders will use when considering your
car loan application is your credit score, your job history, the
level of a down payment that you make, if applicable, the car
that you want to buy and the dealer that you'd like to by the
vehicle form. As long as you're over 18, and have been working
at the same job for a 6 month minimum, you should be able to qualify
for an online car loan without a cosigner.
One of the best things you can do to better your chances of getting
approved is to save your money for a little while before applying
so you can sweeten the deal with a larger down payment. The more
actual equity that you offer in the deal, the more likely it is
that you'll be approved for the internet car loan.
Also, remember that the price tag on the car is an important consideration
for lenders as well. Most online car lenders don't require a cosigner
for car loans if the car costs less than $25,000.
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