Saturday, May 12, 2007

Free Vehicle Finance

Take Hurdle Free Easy Finance On Opting For Bad Credit Tenant Loan UK
By Peter Taylor

Bad credit is no more taken as a sin when such a borrower goes shopping for a loan though terms and condition are a little tough. Especially if the borrower happens to be a tenant, not owning any property worth taking loan against, meeting expenses becomes all the more difficult. If labeled bad credit, tenants can take refuge in bad credit tenant loan UK. Tenants can make use of bad credit tenant loan UK for different purposes like buying vehicle, paying for medical bills, going to a holiday tour etc. The loan can be availed by homeowners also if they do not want to risk property for fear of its repossession. Students and people living with parents are equally eligible for the loan.

Tenant is tagged bad credit because of payment defaults from his or her end and faced County Court Judgments and bankruptcy. On FICO credit score scale ranging from 300 to 850, credit score of bad credit tenant is either 580 or below which is considered as risky for offering loan.

However, despite bad credit, tenants get bad credit tenant loan UK in easy manner. Tenant should convince the lender that the loan will be paid back in time. To do so, tenant should produce proof of employment or source of regular income. This to some extent assures about safe return of the loan. No collateral is required to be offered to lender for securing the loan.

Tenant can borrow bad credit tenant loan UK anywhere in the range of £1000 to £25000 which is generally sufficient for meeting different expenses. The loan is usually given for smaller duration ranging from 6 months to 2 years. Interest rate is kept higher but it should not discourage tenant as the loan is paid off within months and the interest rate burden is not felt much. The loan is approved quickly as time wasted in collateral evaluating is saved.

It is beneficial to apply for the loan online. Number of lenders offers bad credit tenant loan UK packages in response to the loan application. Do not forget to compare them for lower interest rate and better terms-conditions. Online lenders charge no fee for processing application and give related details free.

Bad credit tenant loan UK thus is perfect option for tenant suffering from bad credit. The loan goes long way in improving credit score of tenant besides meeting necessary expenses. Pay off monthly installments in time to avoid incurring debt again.

Peter Taylor is a senior financial analyst at BestTenantsLoanUK with an acumen for finance and insurance. In recent years he has taken up to provide independant financial advice through his informative articles. His articles are widely read because of the lucid manner of writing and thoroughly researched datas. To find Bad credit tenant loan UK, Unsecured tenant loans, Personal tenant loans, UK best tenant loans, secured tenant loans UK that best suits your need visit http://www.besttenantloansuk.co.uk

Article Source: http://EzineArticles.com/?expert=Peter_Taylor
http://EzineArticles.com/?Take-Hurdle-Free-Easy-Finance-On-Opting-For-Bad-Credit-Tenant-Loan-UK&id=287577

Friday, May 11, 2007

Free Vehicle Finance

Loans - New Cars for Old
By Michael Challiner

Thinking of buying a new car? Unless you’re paying cash, presumably you’re looking for the best way to finance the car of your choice.

For people who choose to buy a new car every two or three years, personal contract purchase, or PCP, is gaining in popularity. Your car dealer or the manufacturer effectively lends you the balance of the car, after you’ve paid a deposit of 20 to 25 per cent. A fixed trade in price is promised at the end of the deal. An annual mileage limit will be agreed and as long as this isn’t exceeded you will be offered a choice of options when the contract ends.

The choices will be

1. To return the car and change to a new one.

2. To trade it in at its second hand value – this may be more than the guaranteed figure, which makes it well worth doing.

3. To keep the car, making a final payment of the outstanding balance.

Many people simply replace their car every couple of years, using the first option and keeping to the same dealer or manufacturer.

An alternative to personal contract purchasing is a simple car lease plan. An initial deposit is paid, which works out at three times the monthly lease payment. The lease payment is then made for 24 or 36 months, depending on the contract. At the end of the time you simply return the car and walk away. There are no obligations and you’re free to go ahead and choose your next vehicle without the complications of selling a second hand one.

To make a comparison on costs using the two methods shown above, if you take a vehicle costing £14,995, bought through a personal contract purchase plan from a dealer, on a 3 year plan, you would pay a deposit of £1,548. There would then be a repayment period of 36 months @ £309 per month. The deal would guarantee you £3,861 towards a new car if you were staying with the same dealership. Alternatively you could purchase the car outright for this sum and sell or use it in part exchange it towards your new car.

If you take the same vehicle on the second (lease) plan, you would make an initial payment of £969 and the monthly payment would be £323.

The other choices to consider for vehicle finance are personal loans or hire purchase. With hire purchase the loan is secured on the vehicle. Because of this, if you get behind on your repayments, the vehicle can be repossessed by the lender. Obviously, having completed the payments on the car, at the end of the period, the vehicle is yours, without any ties, limitations on mileage etc.,

Offers of low or even no-cost credit can be found. Unfortunately they’re often unavailable on the model of your choice. In common with many other manufacturers, Vauxhall have some excellent offers with several models currently being offered at 0% interest over four years. For models not in the 0% range, for example the Astra Life 1.6 16v, the offer is considerably higher and in fact doubles the interest rate which most people pay via GMAC, the company that offers loans for customers buying directly from Vauxhall.

Of course, you don’t have to go along with the manufacturers deals and can work out your own comparisons by comparing the cost of personal loans. Log on to the internet and find a broker to check out the various loans available.

In general most car manufacturers will be able to offer some good deals when it comes to finance and it’s worth finding out what’s on offer for the car of you choice. It’s always a good idea to check what the same vehicle would cost using a personal loan and weighing up the final price paid is always worthwhile.

So, whatever your choice, personal loan, hire purchase, personal contract purchase or a simple lease plan, there are plenty of ways to finance your new car. Do your sums right and there are big savings to be made.

Get great articles on Secured Loans from Secured Loans Seller

Article Source: http://EzineArticles.com/?expert=Michael_Challiner
http://EzineArticles.com/?Loans---New-Cars-for-Old&id=313567

Thursday, May 10, 2007

Free Vehicle Finance

Save Money with Free Printable Grocery Coupons
By Stephanie Nelson

Over the past five years there has been a dramatic increase in the number of grocery coupon offers available from printable coupon websites. There were only a handful of printable grocery coupons available on a couple of sites five years ago. Today, you can print a total of over 200 coupons from several credible websites.

However, there are some individuals who sell counterfeit grocery coupons over the Internet on auction sites. These coupons are not from legitimate coupon sites and are actually forgeries. Sellers may sell several printable sheets of coupons for a nominal fee of $5 to $10 per set. Unfortunately, shoppers who buy and use these coupons are committing a criminal act and are risking severe penalties. Therefore, to avoid the confusion of knowing how to identify counterfeit coupons, your best bet is to avoid buying any coupons over the Internet. Simply find the free printable coupon sites and use their coupons!

You will get plenty of free grocery coupons if you learn what the legitimate printable coupon sites are and how to get more of their coupons. Studies have shown that the average coupon value for printable grocery coupons is slightly higher than newspaper grocery coupons, and they are available for many popular brands. You can expect to find many coupons from General Mills, Pillsbury, Betty Crocker, Aquafresh, Red Baron, and more. You can also visit the websites of food manufacturers and sign up for their email newsletters to receive free printable coupons.

When you sign up for a coupon site, you may be asked if you would like to receive their email newsletter notifying you of new offers. You should select "yes" so you receive their reminders when new offers are added.

Check the printable grocery coupon sites when you are creating your weekly shopping list to make sure you take advantage of free offers for items you are buying.

The printable sites will require you to download a coupon print manager. You can trust that the coupon print managers from the sites we recommend are safe and will not damage your computer.

The printable sites limit the number of coupons you can print for each offer (either one or two per offer, depending on the site). Once you have reached your limit, you will not be able to print any more coupons for that specific offer. However, when the site's advertiser renews their offer you will be able to print more, so it pays to check each site on a weekly basis.

Ask your grocery and drugstores if they accept coupons printed from the Internet. Because of some counterfeit coupon problems, some stores will not accept them. However, most stores do accept them. This policy also varies by store and even by individual store manager, so it is worth asking nearby stores if your store doesn't accept them readily.

Stephanie Nelson's free grocery-saving system at http://www.couponmom.com is used by millions of shoppers a year. Stephanie is a regular contributor on ABC News’ Good Morning America and writes a bi-weekly savings column for ABCnews.com. She is the author of the book “The Greatest Secrets of the Coupon Mom” and writes a weekly syndicated newspaper column, "Supermarket Shopper."

Article Source: http://EzineArticles.com/?expert=Stephanie_Nelson
http://EzineArticles.com/?Save-Money-with-Free-Printable-Grocery-Coupons&id=455627






















Save time and money by using free grocery coupons you can print from the Internet every week. Learn where to find the best printable coupons.

Wednesday, May 9, 2007

Free Vehicle Finance

Explore various options in availing Commercial Vehicle Finance by Richie Morgan

You require a vehicle for its commercial use so that you business prospects brighten. However as there is huge money involved in buying commercial vehicle, you should be very careful in deciding over spending your funds on the vehicle purchase. So first of all you should decide on whether you require the vehicle permanently or for a limited period. This is very important and crucial because you have many options in taking commercial vehicle finance as per your requirements of the vehicle.

There are many options for availing Commercial vechicle finance is finance lease. Under financial lease provision you can hire a vehicle but you can not own the vehicle later. The advantages are that you have better cash flow because of fixed monthly repayments or rental. Obviously finance lease allows you to use the commercial vehicle without having larger capital outlay.

If you want to be free of any running costs and vehicle disposal problems, then you can opt for commercial contract hire which allows flexibility in terms of deposit and repayment periods

Hire purchase is yet another popular option for commercial vehicle finance. You are allowed to choose your deposit amount and the duration for hiring the vehicle. Then the monthly payment amount is arrived at. The main advantage of hire purchase is that you own the vehicle at the end of the hire purchase contact. Also you can opt for fixed or varied interest rates.

Make sure that you have assessed your requirements from a commercial vehicle so that you can select the suitable option for commercial vehicle finance. Also, while applying to particular commercial vehicle finance provide, study its terms-conditions care fully before making a deal.
About the Author

Richie Morgan is offering loan advice for quite some time. Asset Finance UK has a vast network of lenders who provide loans to the borrowers at lower APR. To find Personal commercial finance,asset based finance,All asset finance visit http://www.assetfinanceuk.net/

Tuesday, May 8, 2007

Free Vehicle Finance

Applying for a Recreational Vehicle Loan: Important Things to Know by John Mailer

There are several important things to know when considering applying for a recreational vehicle loan. Getting a loan for anything is truly a big deal, and therefore you should make sure to be informed and aware of everything before jumping into something where you have no idea what you're doing. KOA RV Loan Center is a good place to start when you are beginning the recreational vehicle loan process, as they have made it easier than ever for customers to get a recreational vehicle loan. Regardless of whether you are planning to purchase a new or used RV, or even refinance your current and existing loan, they have low interest rates and instant hassle-free loan approval offers that claim to help to get you where you want to go, and quickly at that. The best way to apply with KOA RV Loan Center for your recreational vehicle loan is to do so online, where you can get an instant credit decision within 90 seconds for loans up to $150,000. Of course if the loan you are applying for is larger in amount than $150,000 you can still apply online, but because the process will be more complex, it will then obviously take more time for them to return a response, and can take anywhere up to one full business day. The interest rate that you will receive will vary, depending on many factors. These factors will include such things as the actual requested amount of the loan, the amount of your down payment, as well as your credit history and the age and value of the RV you are interested in. As for the basic expected down payment, 20% of the price of the RV is the typical asking price. However, you should know that you can possibly qualify for certain special programs that allow you to have no minimum down requirements.

KOA RV Loan Center also offers loans to corporations, but they only allow this when the RV itself is actually for personal use. This means that they do not finance RVs that will be used for commercial or any other purposes. Overall, KOA RV Loan Center is a highly qualified, highly recommended financing company, where as long as you have a decent credit history can basically walk away with a loan for any RV you wish.
About the Author


Author


John Mailer has written these articles about recreational vehicles to help you decide what RV vehicle is most suitable for yourself. To buy recreational vehicle or to rent

http://www.rvrental-california.com/recreationalvehicles

http://www.howtostartonlinehomebusiness.com

http://www.basicsdogtraining.com

Monday, May 7, 2007

Free Vehicle Finance

Cheap Used Car Loans : Cars within Your Reach by Julia Russell

Are you sick of standing in queue to reach your office every morning? Do you think of buying vehicle of yours own? Then what stops you from doing so. If finance, then avail cheap used car loans that would look for your need of buying car. Cheap used car loans are loans granted by lenders to all borrowers who do not have enough finance to purchase brand new car.

Cheap used car loans are the best and affordable financial solution for all your transport related problems. Cheap used car loans come handy for all passionate borrowers who cannot afford to buy brand new car. Cheap used car loans are available at cheap interest rates for borrowers bearing any kind of credit history.

The main advantage of cheap used car loans is that car loans are available at cheap interest rate. The borrower is charged a low interest rate against the loan amount he applies for. The loan amount approved as cheap used car loans ranges with the borrower's repayment ability, his credit status, credit history, lender's policies and market policies.

Cheap used car loans are available as secured and unsecured type. Secured cheap used car loans are secured loans that require borrower to place assets as security against the loan amount. The maximum loan amount approved as secured cheap used car loans is £20,000. In unsecured cheap used car loans borrower is free from keeping any security with the loan amount. This enables all tenants and non homeowners to also get loan amount to buy car. With secured cheap used car loans interest rates further decreases and borrower is charged much lower interest rates. However the borrower is advised to search for the best suited deal of all.

There are many lenders in the market that offer loans for buying of used car at moderately low interest rates. Approval is easy and fast with the online method. Cheap used car loans can be qualified for easily. In no time you can be driving your own car.

If you have passion for cars but fall short of finance when actually going to avail car then cheap used car loans are perfectly made for you.
About the Author

Julia Russell works as an executive in financial department for Cheap car loans. She has a lot of experience in finance field. To gain more information about Cheap Used Car Loans, Cheap car loans, Cheap classic car loans, Cheap new car loans, Cheap online car loans visit http://www.cheapcarloans.org.uk

Saturday, May 5, 2007

Free Vehicle Finance

Lemon Laws Don’t Protect Used Car Buyers
By Charles Essmeier

Most buyers of new cars are probably familiar with lemon laws,
which allow consumers a refund or replacement when their car
turns out to be defective. These laws generally cover leased
cars as well as purchased ones, and they have worked well as a
consumer protection tool. Unfortunately, no such laws exist for
used cars, and buyers should be careful when purchasing them.

Many car dealers offer “certified used cars” that come with
some sort of warranty, but most independent used car dealers do
not. In most states, the law permits used car dealers to sell
cars “as is”, and in that case, anything that goes wrong, even
if it happens five minutes after purchase, becomes the buyer’s
problem. Dealers selling cars on an “as is” basis often aren’t
even required to disclose any problems a vehicle might have to
potential buyers. Most independent car dealers sell older, less
expensive cars than those sold at major auto dealerships. A lot
of the profits that independent used car dealers make come from
financing, particularly from financing those with bad or poor
credit. Those with problem credit often find that such
dealerships, which self-finance, are their only chance at
obtaining a car loan. These loans, with their resulting high
payments, often leave buyers without any extra cash to pay for
repairs of undisclosed problems. Legislators in several states
are considering laws that will require used car dealers to have
their cars inspected by certified mechanics prior to their being
offered for sale. This will help, in time, but what can a
potential buyer do now?

# Ask to have a certified mechanic examine the car before
purchase. Any reasonable dealer should allow you to take the
car to a mechanic; if not, you should probably shop elsewhere.

# Get a list of the car’s known problems in writing prior to
purchase. Inquire as to whether you have any recourse should
something go wrong after the sale.

# Ask the salesperson if the car has any sort of warranty, and
if so, get it in writing. If they tell you the car is sold “as
is”, ask them to define those terms exactly.

# Contact your local Better Business Bureau to see if they have
had any complaints about that particular dealer.

# If possible, purchase a used car from a dealership that
offers certified used cars with a written warranty.

Buying a used car is more problematic than buying a new one.
After all, a used car is one that someone else didn’t want
anymore. Buyers who are considering a purchase of a used car
should be aware that their protection under the laws of most
states is quite limited. Asking a few questions and doing some
investigation prior to making the purchase may save buyers
thousands of dollars down the road.

About the Author: ©Copyright 2005 by Retro Marketing. Charles
Essmeier is the owner of Retro Marketing. Retro Marketing,
established in 1978, is a firm devoted to informational
Websites, including http://www.LemonLawHelp.net, a site devoted
to automobile lemon laws and http://www.End-Your-Debt.com, a
Website devoted to information about debt consolidation and
credit counseling.

Source: http://www.isnare.com

Friday, May 4, 2007

Free Vehicle Finance

Applying for a Recreational Vehicle Loan: Important Things to Know by John Mailer

There are several important things to know when considering applying for a recreational vehicle loan. Getting a loan for anything is truly a big deal, and therefore you should make sure to be informed and aware of everything before jumping into something where you have no idea what you're doing. KOA RV Loan Center is a good place to start when you are beginning the recreational vehicle loan process, as they have made it easier than ever for customers to get a recreational vehicle loan. Regardless of whether you are planning to purchase a new or used RV, or even refinance your current and existing loan, they have low interest rates and instant hassle-free loan approval offers that claim to help to get you where you want to go, and quickly at that. The best way to apply with KOA RV Loan Center for your recreational vehicle loan is to do so online, where you can get an instant credit decision within 90 seconds for loans up to $150,000. Of course if the loan you are applying for is larger in amount than $150,000 you can still apply online, but because the process will be more complex, it will then obviously take more time for them to return a response, and can take anywhere up to one full business day. The interest rate that you will receive will vary, depending on many factors. These factors will include such things as the actual requested amount of the loan, the amount of your down payment, as well as your credit history and the age and value of the RV you are interested in. As for the basic expected down payment, 20% of the price of the RV is the typical asking price. However, you should know that you can possibly qualify for certain special programs that allow you to have no minimum down requirements.

KOA RV Loan Center also offers loans to corporations, but they only allow this when the RV itself is actually for personal use. This means that they do not finance RVs that will be used for commercial or any other purposes. Overall, KOA RV Loan Center is a highly qualified, highly recommended financing company, where as long as you have a decent credit history can basically walk away with a loan for any RV you wish.
About the Author


Author


John Mailer has written these articles about recreational vehicles to help you decide what RV vehicle is most suitable for yourself. To buy recreational vehicle or to rent

http://www.rvrental-california.com/recreationalvehicles

http://www.howtostartonlinehomebusiness.com

http://www.basicsdogtraining.com

Thursday, May 3, 2007

Free Vehicle Finance

Car Buying Tips - Only Three Things Worth Buying in Finance
By J.D. Rucker

In a perfect world, a finance manager, business manager, or whatever title is given to the person in the back that prepares paperwork will be just that: the person that prepares paperwork.

In the real world, the finance manager is probably one of the best and most persistent salespersons the consumer will ever meet.

They aren’t necessarily bad people. Most are exceedingly friendly and professional, dressed to impress and possessing an easy way that puts people at ease. To a car dealership, the finance manager is the last and best chance the dealer has to make money on a vehicle sale.

There are dozens of methods that the finance manager can make money from you. The good part is that not all of the ways are bad and not all of the products that they will offer are rip offs. In most cases, though, some of the offerings are just not worth the money the consumer will pay.

Instead of going over the details of the different products and suites that aren’t really worth it, here is a short list of items that a consumer should really question and investigate before purchasing:

Undercoating, paint sealant, oil change plans, VIN etching, scotch guard, preowned vehicle leasing, personal vehicle insurance, and tires for life.

There are others that are somewhat legitimate like the ones listed above, and there are some that are downright scams, but we’re here to focus on the potentially good ones.

Dealerships such as Oklahoma City Ford Dealers and other honest dealers around the country offer a basic, short list of products that consumers should consider:

GAP INSURANCE

Some call it a scam, but most who have totaled a vehicle with a lien on it can attest to the wonders of Gap Insurance. In essence, it covers the “gap” between what a vehicle is worth and how much is owed when a car is totaled. For example, if someone totals their vehicle and the insurance company agrees to pay $7,000 while the driver still owes $11,000, gap insurance is designed to cover it. Without gap, the insurance company will be forced to leave the remaining $4,000 to be paid out of the customer’s pocket.

Usually ranging from $300-$700, it is a good investment for consumers who (1) finance vehicles without securing equity by putting a lot of money or trade equity down on the car, (2) drive more than 10k miles per year, and/or (3) purchase new vehicles, especially high dollar ones.

EXTENDED WARRANTIES

Not all warranties are created equal. A consumer who plans on keeping a vehicle beyond the factory warranty should strongly consider an extended one.

Research beforehand into some extended warranties available online for the vehicle you are considering. Know the cost, deductible, what is and isn’t covered, and whether a prorated balance is refundable if the vehicle is traded, sold, or totaled.

Armed with this knowledge, it should be easier to get a good deal on a good warranty, whether it’s the one that the finance manager offers or a separate one.

CREDIT LIFE AND DISABILITY

Most life insurance policies are designed to help with cost of living. Debt should not be paid through standard insurance.

In case of tragedy, having a credit life and disability plan will help to pay off the balance of a vehicle loan. There are few things worse after dealing with a tragedy than to find that the loved one also left major bills and debts behind.

Final Thoughts

Not all “bad” items are that bad. Some may fit into a consumer’s needs. Not all “good” finance items are good, either. The key is to do the research before getting caught off guard by a finance manager ready to spray a $20 can of Scotch Guard in your new or used car for an additional $179.

I hope it helps.

J.D. strives to promote quality, honest automotive websites and point out the scams out there being put on by “the other guys”. Visit his current projects, Los Angeles Used Cars and Oklahoma City Ford Dealers.

Article Source: http://EzineArticles.com/?expert=J.D._Rucker
http://EzineArticles.com/?Car-Buying-Tips---Only-Three-Things-Worth-Buying-in-Finance&id=540069

Wednesday, May 2, 2007

Free Vehicle Finance

Following Simple Children Vehicle Safety Tips Can Reduce Auto
Accidents And Injuries
By Toby Pizur

Child Car Seat Safety:

We know you love your children, but so many people do not
follow these simple car seat safety principles. By following
these easy steps you can ensure your child is completely safe
in your car. Just to get one thing straight, there is no one
best child car safety seat. The best car safety seat is
determined by various factors that you as the parent need to
take into consideration. The seat needs to fit your child’s
height and weight, as well as be able to fit properly in your
car.

Another common misconception is price. More expensive, does not
always mean better quality or the seat is better safety wise.

The first step of proper car seat safety is of course
determined by the age of your child. Any child that is under
the age of twelve should be kept in the back seat of a vehicle.
This is especially true if your car has passenger side air bags.

Infants should be in a rear facing car seat until they are at
least one year old and twenty pounds. After they are twenty
pounds they can be placed in a front facing car safety seat
until they are around forty pounds or they have reached the
maximum height recommended for the specific car safety seat in
question.

Once a child reaches forty pounds, they should be placed on a
belt positioning booster seat. The vehicle’s normal seat belt
should not be used until they are around eighty pounds or 4ft 9
inches tall.

As always read your car’s owners manual as well and any manuals
with the car safety seat.

Additional Car Safety Tips:

Most accidents that occur over a parent/child incident occur
when a parent is trying to turn around and discipline their
child. Think about it, you are taking you eyes as well as you
mind off of the primary task at hand (driving) and exclusively
focusing on your child who should be, and usually is behind you
in the back seat of the vehicle.

To prevent this the best thing to do if you must discipline
your child is to find a place to pull over and do so then, when
you are not moving.

About the Author: Child Safety is our primary concern, check
out these FREE child safety related resources at
http://www.ChildSafetyInfo.com

Source: http://www.isnare.com