Wednesday 12 December 2012

Low Rate Guaranteed Auto Loans can be Easily Secured by New Jerseyans without Getting Anxious about Bad Credit

Low rates are extremely important for any car loan in New Jersey. If you want to achieve lowest rate auto financing, New Jersey car loans can be of help to you. Apply online and fill the safe auto loan application form to get guaranteed approval. You can secure guaranteed credit without worrying about your bad credit history, zero credit score or low income.

New Jersey car loans are perfect for someone who cannot make a down payment. There is no money down option available which can be obtained by any New Jerseyan. Co-signer is not compulsory. There is zero pre-payment penalty for making early payments. Apply for no obligation 100% free auto loan quotes today.


Wednesday 5 December 2012

New Jersey Auto Loans – How to get approved for one?

What’s that one thing which drives every American crazy? Cars – the most breath-taking invention of the century! Everyone will agree that cars are the fascination of every New Jerseyite. If want of cars is driving you crazy, this article can be the right medicine for you.

We all know that rising car prices and unavailability of ready cash has made auto loans compulsory. This article will be your guiding light in getting approval on auto financing programs in New Jersey.

How to prepare yourself for Auto Loans in New Jersey?

•    Many Lenders – More Options

Keep reminding yourself that there are many options with you. There are several lenders and online car financing companies in New Jersey who offer instant approval and low rates on auto loans. Don’t worry if a lender has rejected you in past. You can still get approved because there are many more who will fit your requirements.

•    Know your Money

Knowing your money is important to get more money from an auto lender. Before applying for an auto loan in New Jersey, you must be familiar with your finances. Know if you are financially capable of making regular payments. To get an idea about your affordability, you must calculate your budget. Ascertain income and expenses. Remember to factor in car related expenses like title and registration, maintenance, fuel, insurance, etc.

•    What does your Credit Report Say?

Not knowing your credit score is a fatal mistake in the process of New Jersey auto loans. You must understand that every lender will check your credit report even if he says otherwise. So, it is better that you first check it and remove all errors. Also, if you have a bad credit history, pay-off few debts to ensure an increase in the score.

•    Cars & Cars

Even though it is not advisable to select a car model before getting approved for a car loan, you must have a basic idea of the kind of automobiles that are available in the market. Have a few favorites so that once you get guaranteed approval on auto loans, you won’t have to spend time on checking each and every car in the Garden State.

•    Complete Work of Paper-Work

It is easier for the New Jerseyan lender to complete the auto financing process if you are ready with documents. Ready paper-work will have a positive impact. Following is the list of documents that you will require for getting guaranteed approval:

>> SSN
>> Credit Report
>> Income and Employment Proof
>> Vehicle Information, if you have already decided on a few specific models.

•    Can you get a Co-Signer?

A co-signer is a great way of getting approved. Find someone with a decent credit score and stable debt-to-income ratio. A co-signer will reduce the lender’s risk and thus, ensures easy approval.

•    Trade-ins and Rebates

It would be great if you can manage a down payment of 10%-20%. But, car buying is already difficult in NJ and down payment can make it even more difficult. The good news is that cash down payment is not the only alternative with you. You can trade-in your old car or use the cash from rebates as down payment. By doing so, you will lower the NJ auto loan amount and thus improve your chances of approval.

All these tips will be very handy in preparing for auto loans in New Jersey. Once you are done with all the above mentioned suggestions, you can start applying for
New Jersey car loans program. You will have two options with you: 1) Offline - Walking to every lender’s office and filling the auto loan application form. 2) Online – You can apply with several auto financing companies while sitting in your home.

The second option will save time and give you increased chances of approval. So, make sure you use this amazing alternative.
Best of Luck!

Rapid Car Loans is the best choice for getting an auto loan in New Jersey. Get guaranteed approval car financing New Jersey
programs in an instant. Lowest possible rates are a reality. Apply now and buy your favorite car today!

Tuesday 4 December 2012

Bad Credit Holders in New Jersey can avail Auto Financing without Down Payment

Every American is a car lover but his passion for automobiles is often thwarted by unaffordable car prices. Here’s when auto loans come into the picture. The logic behind car financing is that no one has such a huge amount of ready cash to buy the car of their dreams.

What if you have bad credit score? Do you think that it will act as a deterrent in getting guaranteed approval? Well, many factors are taken into consideration while giving auto loans. And, bad credit alone cannot do anything.

What Factors are considered in getting New Jersey Auto Loans?

When you decide to avail a car loan in NJ, you must know of the several factors that play a major role in getting approval. Lower interest rates are possible when most of the criteria are fulfilled.

1. Credit Score
2. Income
3. Employment Term
4. Residence Term
5. Co-signer
6. Down Payment
7. Debt-to-Income Ratio
8. Vehicle Details - Make, Model, VIN, Warranty, Title
9. If Used Car - Odometer Statement.

This perfectly proves that credit score is not the sole reason for causing approval or otherwise. Your auto loan request will be rejected only when most of the aspects of your New Jersey car loan application are weak. This means you don’t have to worry about your bad credit score anymore. You can secure guaranteed approval at lower rates even with a terrible credit score.

Is it Easy to get a Bad Credit Auto Financing for buying a Car in New Jersey?

Getting an auto loan with bad credit history is very easy in the Garden State. It is because there are many efficient subprime auto financing companies, bad credit lenders and second chance auto financing dealerships in the state. They have no trouble in offering you quick approval on bad credit auto loans.

All that is required out of you is to fill their NJ auto loan application form. Once it is reviewed, you will be notified about your auto loan status.

Now, there are many online auto financing companies that operate in New Jersey. They are ideal for you if you want to opt for a comfortable car loan process. Just don’t forget to check the reliability and security of the company.

Is it possible to get No Money Down Auto Loans with Bad Credit in New Jersey?

By now, you must know that one or two factors don’t cause any problem in getting guaranteed approval at low rates. You can easily get auto loans without making a down payment in the state of New Jersey.

Just search for a lender or an auto financing company in NJ that deals with 0 down payment car loans. Make sure that they offer auto loan approval to bad credit holders. They will easily ignore your credit score.

Don’t forget to mention your personal and financial details accurately. Make no mistake in writing your SSN and information about your monthly income. Also, a trade-in would prove to be useful in getting guaranteed approval.

Remember that bad credit or no money down - don’t cause rejection. There are many aspects which affect the result. So, don’t worry. Go ahead. Fill in the NJ auto loan application accurately and get ready for 100% approval at attractive rates.

Rapid Car Loans is a leading online auto financing company that provides New Jersey bad credit car loans with low rates. Bad credit is never an issue. You can easily get guaranteed approval along with low rates even when you cannot make a down payment. Apply now for totally FREE auto loan quotes.

Friday 15 June 2012

The Ultimate Car Buying Guide for the Residents of New Jersey

The car has become the carapace, the protective and aggressive shell, of urban and suburban man. - Marshall McLuhan

Car is one thing that unites all Americans, irrespective of age, gender, ethnicity and economic status. We are great car lovers. It has changed the way we live. Well, car’s a necessity in the Garden State. The residents not only contribute to several businesses in the state, but are also part of the strong workforce of Big Apple and Philadelphia. Wouldn’t you want to reach work in the comfort of car?

Apply for FREE Auto Loan Quotes

Strike While the Iron’s Hot

Do you want to make your travelling quick and fun instead of spending boring time with strangers in bus/subway? Then, car’s the best bet.

It’s the best time to buy a car. The Auto Shows will start in the beginning of 2012 and will be a platform for new car model launches. This means dealers are more than eager to get rid of their inventory. So, you can manage a great deal on new cars. Furthermore, Thanksgiving marks the official beginning of the holiday season. So, there are many holiday discounts to be taken advantage of. This is a sign that pre-owned cars will also be costing less.

Well, buying a car can be quite tiring if you don’t get the right guidance. Unanswered queries won’t allow total satisfaction to you. Read this article to get complete information on the car buying process.

The Dilemma of Dollar Bills

Money makes an important part of your car buying decision. You can buy a car with auto loan but you definitely need money for maintaining it. You will have to pay for registration, taxes, insurance, fuel and maintenance. Also, you need money for making regular monthly payments.

My advice is that if you cannot afford auto loans, then there is no point in buying a car. A car is supposed to give you comfort and not agony. If you are unable to make payments, it will be detrimental to your credit score. So, think of your present and future as well.

This is also an optimum time to think of your car loans. There are many options available with you and it all depends on your choice. You can get auto loan from local dealers or banks and financial institutions. There is one more quick option available with you. It’s the web. Many businesses are going online and auto lending is one of them. You don’t have to worry about security concerns. Just be sure that you deal with a company that has a valid security certificate.

Does New Work For You Or Old Is Gold For You?

Well, new or old – car should do what it’s meant for. So, it doesn’t matter what you choose. The only important thing is your satisfaction. Also, you must consider your needs. If you have to travel to Manhattan every day, a fuel-efficient will work best for you. If you are someone who is into off-road driving, then SUV is perfect for you. Don’t forget to research. Read magazines like or 4 Wheel & off-Road Magazine and get an exact idea about what cars are sold in your region.

For some people, a new car is a status symbol. It is a manifestation of having made it big in life. You can go for 2012 Camry, Audi A5, Honda Civic or Chevrolet Cruze. Well, there is no dearth of new car models.

If you want to buy a pre-owned car, you can either walk down to a local dealer or even buy your cousin’s VW or Ford. You can also get your car from government and private auctions. When you buy a used car, make sure the car title is clean. If it isn’t so, then the lenders will have lien on it.

After You Make a Choice

Once you choose your few favorites, inspect them. Get VIN (Vehicle Identification Number) of each car and know its history. There are many websites like and to help you with it. After this, you will know which car suits you.

After you are through with your investigation, ask your mechanic to take a look at the car. Once he inspects it and gives you a green signal, it is time to sign the agreement.

Read to avoid any post purchase dissonance. Understand every word of the agreement. Also, check for any “cooling off” period in the contract. You must know that the cooling off” period is not offered for automobiles. If there is an option, only then you can return the car.

How to Register Your Car in the State Of New Jersey?

New Car

A new vehicle means it has never had a title issued to any customer (the dealer is obviously given the title to provide ease in transaction).

Four-Year Accelerated Registration Program

The New Jersey MVC implemented the program on October 1, 2004. According to it, all new car owners need to pay the registration fee in full for the first four years. This will help MVC to synchronize registrations and inspections.

If you want to use your old car’s license plates, you can transfer your old car’s registration to the new car for a transfer fee of $4.50 plus the pro-rated weight class registration fee. 

Used Car

If you have purchased a pre-owned car, then the rules are slightly different as the seller is involved. Make sure that the seller removes his plates and surrenders them to MVC agency or the Regional Service Center. This won’t be possible if the seller wants to transfer his title to another car.

The seller must sign the reverse side of title and give it to you after writing your name and address, date of sale, odometer reading and the sales price on it.

Once you receive the title from the seller, sign and add your driver license number to it. Take the signed title to MVC and complete your registration. To complete your registration, you must bring along the proof of insurance and receipt of sales tax payment. The registration fees are $85 for a financed vehicle. If you are not availing auto loans, then you will have to pay $60.

Make sure you complete this entire process in a span of 10 working days from the date of sale to avoid a penalty of $25.

After you complete registration, you are free to drive your dream car.

I hope this article provided you enough information and solved all your doubts and queries. Have a happy car shopping experience.

Make your car shopping a pleasurable experience with Avail low rate car loans New Jersey for new as well as used cars. Apply now and say yes to affordable auto financing options.

All the best!