Monday, 9 June 2014

Texas Auto Loans – Everyone can buy the Car of their Choice

Gone are the days when car buyers were discriminated for their bad credit history. The days of high interest rate auto financing are over. Texas Auto Loans is here to provide you affordable car financing programs. Easy approval for bad credit buyers is now possible.

Texas Auto Loans understands the problems of convincing someone to become a co-signer. So, co-signing is not made compulsory. Also, there is no need of down payment as well. Fill an online application form for getting affordable financing. That's it.

So, Texans! What are you waiting for? Approval is just a few mouse clicks way. Apply now.

Friday, 18 April 2014

The Texan Claws are out against this Company

The Palo Alto headquartered company is facing problems in states that have prohibited its direct-sales model. Texas is among those states. Tesla is fighting a loan battle against powerful auto dealers who are trying to throw cold water on the company’s selling model. This news comes at a time when the electric car company is considering Texas for $5 billion battery plant and 6,500 jobs.

The company came into limelight with the production of Roadster. Its new car Tesla Model S is a success with critics and consumers rooting for it. Now, to buy the $70,000 to $130,000 ranged car model, you have to go online. This is because you can not place orders at Tesla Austin (at The Domain). You can not even discuss price there. Also, the company is allowed to offer limited test-driving opportunities in Texas. This means if you want an urgent test drive, you have to go to a neighboring state that hasn’t shot down the company's direct selling proposition.

Texan Legislature did not allow Tesla to exempt itself from selling through dealerships. The Texas Automobile Dealers Association believes that the law shouldn’t change for any special interest (read the billion dollar factory plant). The president of the Association, Bill Wolters, is worried about dealerships, specifically those in the rural region who would sustain losses if there was no legal protection against factory-owned dealerships.

But, Tesla is tenacious on selling directly to Texan car buyers. It wants to eliminate franchised dealers who act as middlemen between manufacturers and end car buyers. Their argument rests on the logic that Tesla’s sales are very minor to justify the need of a franchise dealership. And, they believe that the sales staff working at major dealership won’t pitch for Tesla against easier-to-sell gasoline automobiles.

Only time will tell, who wins - Tesla or the Texas Automobile Dealers Association? Who do you support? Please drop in your views in the comments sections. We would love to hear from you.

No matter you buy a car online or from a dealer’s lot, it is important to shop for Texas Auto Loans on the internet only. By opting for online submission of your loan request, you get access to quick approval on 0 cost loan quotes. So, apply now.

Thursday, 9 January 2014

Plano Auto Loans – Instant Approval is possible when you plan

Planning to buy a car in the beautiful city of Plano? Well, there’s one thing that often causes trouble in the paradise. And, it is lengthy and troublesome car financing process. Most Plano buyers consider car loan process very off-putting. So much so that they put their car dreams on the back burner! But, you don’t have to worry about auto loans anymore. This article will provide you simple ways to get guaranteed car loan approval and that too, in minutes.

Why does the Plano Car Loan Process become so painfully long?

Most lenders advertise instant approval but the reality changes once the Plano resident applies. He/she is asked to provide several documents. It takes days and even in months to get approved for a car loan. You most certainly don’t want to face the same problem. For that, you must understand the loan process and prepare well in advance. If you follow simple suggestions mentioned in this article, you will realize that no lender will make you wait.

Prepare well to complete the Loan Process Instantly

Budget your Needs

Whenever you set out to buy a car or any other thing, it is important to understand your financial capabilities. If you avail a loan without considering your monetary limits, it will damage your credit history. It will ruin any future chances of getting low rate Texas car financing. So, calculate your income and expenses. Ascertain the amount that you can dedicate to monthly payments. Also, consider future expenses because the Plano, Texas car loan term will be at least 3 years.

Check Score before submitting the Loan Request

Credit score and loan rates are inversely related. When a car buyer with low credit score applies, he gets higher rates and vice versa. So, check your credit score to avoid exorbitant rates. If you have a bad credit score, apply with a sub-prime lender. These lenders have experience of working with credit issues. This way you won’t face any trouble in getting approval.

Keep Documents ready

Instead of waiting for the Plano auto lender to tell you about documents, you must complete them in advance. A lender will require you to have your SSN, your banking and financial information. He will also need a copy of your pay stubs and receipts of your utility bills. It is not uncommon for lenders to ask for employment proof. So don’t forget to ask your employer for Employment Verification Certificate.

Apply with a Co-signer

Whenever you apply for Texas auto financing, have a co-signer with you. A Plano resident with a good credit score will help you get approval instantly. Remember that he/she must have a lower DTI. When a lender sees a co-signer, his tension is automatically reduced. He is very sure of receiving payments. And, this will aid in getting lower rates.

Bring Down Payment to the Discussion

You can make down payment in cash to reduce your Plano loan amount. This way you can put your financial stability to good use. The lender will understand that you have money to make payments and so, approval will be easy.

If you don’t want to part with your money, you can opt for down payment-in-kind. You simply have to trade-in your old car or ask the Plano dealer to direct your cash rebates towards down payment amount. This way your down payment will be paid and you won’t even have to shell out a single penny from your pocket.

These are the ways in which you can get easy approval in no time. Remember that if you take time in getting ready for the Plano auto loan process, it will be over quickly. So, plan ahead and buy your favorite car in Plano.

Tuesday, 17 December 2013

Texas Auto Loans – Lower Rates on Car Financing with Easy Approval

Easy approval is very important for auto loans. Stress-free car financing in Texas ensures pleasurable car buying process. If you are looking for simple approval criteria and lowest rates on auto loans, Texas Auto Loans is your perfect option.

Bad credit car buyers in Austin, Houston, Plano or any other city should not worry about getting car financing. Texas Auto Loans is available in every city of the state. You just have to fill the online application form to get instant auto loan quotes. The website is absolutely secure. So, don’t worry about the safety of your information.

Don’t spend time in arranging for down payment or finding a co-signer. Texas Auto Loans are accessible to Texans without down payment and co-signer. The company specially provides no money down auto loans and no co-signer car loans in the Texan state. These car financing programs are a huge hit among car buyers across the nation. Even you can get them, by applying now.

Apply for FREE Auto Loan Quotes

Thursday, 6 December 2012

Low Rate Texas Auto Financing Program – Perfect for Texans with Bad Credit

Do you think it is impossible to avail car financing with bad credit history in Texas? It’s your time to avail easy Texas auto loans because you not only get the option of buying your dream car but also get the opportunity of improving your bad credit score. Low rates are guaranteed! Down payment is not compulsory for securing the bad credit auto loan program.

It is often seen that people with bad credit don’t get instant approval without a co-signer. But, Texas automobile financing program make it possible to get guaranteed approval without searching for a co-signer. You can qualify for FREE auto loan quotes with monthly income as low as $1,000. Apply now.

Friday, 5 October 2012

A Guide to Solve Your Trouble and Help You Get a Car Loan in Houston, Texas

Many Houstonians drive to work. So, it’s no secret that cars a definite necessity in the Space City. Over the time, there has been an incredible increase in importance of cars. Sadly, so has been the rise in car prices. Not everyone can afford to make a cash purchase and car loans seem to be the only alternative.

There are misconceptions when it comes to car loans. People often get the wrong impression that credit scores are the sole important thing for getting Houston car loans in Texas. But, the reality is that there are several other things which are important to the lender. If you get them right, then you can easily achieve instant approval.

What Factors are considered by the Lender in Approving Your Houston Car Loan?

Income and Employment

Lenders want you to earn an amount that can at least help you make regular payments. Most set their minimum limit at $1,000. Also, when you have stable job, it helps to pay off debts. So, lenders insist on it.

Credit Score

Credit score and credit history help in ascertaining your debt repaying ability. Lenders can know everything about your credit behavior by taking a look at your report. So, it is important that you remove all errors before applying for a car financing in Houston, TX.

Total Debt to Income Ratio

This ratio is important because it manifests your total debts and shows whether your income is sufficient to pay off the debts. Lenders won’t offer Houston auto loan to you if this ratio is over 50% because it will make you a very risky credit borrower.

Term of Loan

Shorter the term, more the savings! This is true as you’ll save money by avoiding paying interest for a longer term. Also, if you agree to opt for a shorter term, lenders will see your financial strength and offer better rates on Houston auto loans.

Vehicle Requirements

Don’t think that lenders in Houston will not have a say in your car buying process. Your new car will be used as collateral and that’s why it is important for lenders to know all about it. Lenders may ask you to avoid few cars and even request you to buy your car from a specific dealer/s. You will also be required to give all vehicle related details. So, be ready for it.

Time at Residence

The longer you live at your residence, the better it is because it manifests stability in your life. It also shows that you are regular in paying off utility bills like rent and electricity.

Down Payment

It reduces your car loan amount which makes it a crucial factor. Money down of at least 10% is essential to reduce your interest rates.


A co-signer is someone with a good credit score who is ready to co-sign the Houston car loan contract. When a co-signer enters the equation, there is a substantial reduction in risk because the lender can now get back the loan amount from him if you fail to make payments.

How to Secure a Houston Car Loan with Bad Credit?

When you are a poor credit borrower, you must improve on other aspects of the approval criteria. E.g., you can increase the down payment amount and get a co-signer to reduce the risk factor.

Do You Have Low Income?

If you want to apply for car financing in Houston but earn a low income, then you can opt for a less expensive car. This will reduce the total car loan cost. Also, a co-signer will help. You can even ask your employer to provide you with an Employment Certificate. Use it as a proof to show that even if you earn low income, you have a steady job.

How to Get Student Auto Loans in Houston?

Most students are first time car buyers who have limited knowledge of buying an automobile. They usually have no credit history which makes it difficult to get instant auto financing options in Houston. But, students can get a car loan by providing pay stubs of their part-time job income. A down payment and co-signer would definitely prove to be useful.

Now, that you know all about the factors that decide approval, you can solve every car loan problem. So, if you are a first time auto buyer or a student or even have troubles like bad credit score, no credit history, low income, no co-signer, no down payment, etc, don’t panic. Just concentrate on other factors, improve them and your weak aspect will become pale by comparison.

If you want lower rates and quick services while getting auto loans in Houston, think of We work round the clock and offer instant approval auto loans Texas. Our huge lender-dealer network ensures that we provide auto loan quotes to all types of credit borrowers. Apply now!

Sunday, 29 April 2012

How to Get Online Auto Loans for Bad Credit in Texas?

Bad credit score makes you feel like the entire world is against you. Lenders and dealers consider you risky and hesitantly offer high interest rates. Exorbitant payments make it difficult for you to pay-off your loan. People around the world are facing the same problem and Texans are no exemption to this. Although the nation is reviving from the economic recession, bad credit scores are yet to improve and most poor credit borrowers are clueless and helpless.

We all know that Texas is a state known for courage. Texans have successfully fought the battle of independence and its time you fight bad credit score with same zeal.

Your Real Credit Score

While applying for an auto loan with bad credit, you must know your exact credit score. There are chances that lender/dealer may charge you more on the pretext of a bad credit score. But, in reality, you must be having an average credit score. So, it’s better to get a free copy of credit report and also avail your credit score well in advance. If you find any discrepancies, it’s time to report them to the credit bureaus and get them removed.

Pre-owned Cars – A Better Option

When you have a bad credit score, it is obvious that the lender is going to charge you higher interest rate than someone with a good credit history. You can combat this situation by getting a used car. A used car will cost less than a brand new automobile. As the principal amount will reduce, your loan will become more affordable.

Online Auto Loans are the Perfect Solution

With the recent development in the internet technology, online auto loans are proving to be the one- stop solution for all those with a poor credit history. Most online car lenders allow you to choose the mode of payment. Lower interest rates are possible because they have a huge network of lenders. When you apply for a car loan with bad credit, the online auto financing company sends your application to its set of network lenders. Then, they bid for your application and the best lender is chosen for you.

People of the Lone Star State can take advantage of such loans because they are processed in real-time. Most online lenders do not worry about your bad credit score because their network also has a wide number of sub-prime lenders. These lenders specialize in bad credit auto loans.

Online car loans can be easily obtained by filling the simple online Texas auto loan application form. This saves your precious time as you need not go to the lender’s office to fill up and submit several forms. A click of mouse will solve all your problems.

Truly, online car loans for bad credit are a boon to Texans because you can avail auto loan by sitting in your home. Texans! It’s time to fight bad credit score with the web. It’s time to buy the comfort of car and forget all your bad credit woes.

Getting a perfect car loan makes your car buying even more perfect. If you are searching for affordable bad credit auto loans Texas, is your answer. We have wide network of lenders in the Lone Star State who offer automobile financing for bad credit borrowers. Apply on our website and get the most competitive auto loans.

How to Get Best Auto Loan Rates in Texas?

Cars offer the most comfortable ride and they are a requirement in Texas because of its large area. Now, with rising car prices, getting a car with cash is impossible. Each one of us requires car loan to finance our auto purchase. But, as we all know, getting affordable interest rates are very difficult.

But, there are several Texans who have successfully availed reasonable interest rates on car loans. Let’s understand how we can get auto loans that are not hard on our wallet.

Lower Interest Rates Are Now Possible

One thing that all buyers religiously follow is to have a proper negotiation. A study by Consumer Federation of America reveals that the customers are over-charged by 3% of their loan amount by the dealers which adds up an extra amount of $1000 while procuring the loan. So, it is essential that you don’t accept the dealer’s offer. You must also use loan calculators to know about the repayment installments, interest rates and other payments.

Also, a decent credit score will guarantee lower rates. If you have paid all your credit card bills, made prompt loan repayments, you can enjoy the benefits of having a good score. A high score often translates into low interest rates. This is so because lenders perceive you less risky. So, being a genuine re-payer in the past can help you in present.

It is essential that you check your credit score before applying for a car loan. Most lenders will con you into availing higher interest rates by showing a score worse than yours. So, make sure you know your exact credit score. Also, avail a copy of your free credit report and check for any errors. Dispute the unwarranted transaction before filling the loan application form.

Getting competitive rates is possible by availing auto loan quotes from several lenders. Comparing car loan quotes will help you get the best car loan deal. It is good to compare their rates and loan conditions. Other than this, the loan term is quite important too.

Paying a substantial amount as down payment can reduce the interest rates. A huge down payment indicates lenders that you have already invested a huge amount in buying the car. This will reduce the loan amount which will result in lower risk on the lender’s part.

You can get better rates by bringing a co-signer. When you have a co-signer, the lender is assured of regular payments. You can also use your property as collateral to reduce loan rates. If you have collateral, then the lender can easily use it to recover his money.

Remember, Texans!! Whatever you do, it should fulfill the goal of lowering lender’s risk. This will automatically help you in reduction of your car loan interest rates.

Getting a perfect car loan makes your car buying even more perfect. If you are searching for low rate auto loans in Texas, is your answer. We have wide network of auto lenders in the Lone Star State who offer low rate car loans to all types of credit borrowers - good or bad. Apply on our website and get the most competitive auto loans.

How to Get An Auto Loan for Your Next Car Purchase in Texas?

A new car is every American’s dream. Everyone wants to own that perfect brand new car and Texans are no different. Texas enjoys great geographical diversity which gives a great chance for car owners to explore the Lone Star State.

If you want to buy a car in Texas, a car loan is the basic requirement. This is so because car prices are rising and it is becoming impossible for buyers to make an all-cash deal. When it comes to car loans, getting low interest rates is tough. But, Texans need not be worried about getting great rates because they have several options.

In this article, useful information is provided regarding the choice of car loans. At the end of this article, you will know all about car financing options that will help you take a better decision.

A 3-Step Plan for a New Car Loan in Texas

The first step is to improve your credit worthiness. This can be done by maintaining a good credit score. Making regular payments of your loans, bills and expenses will help you to maintain a good credit history. When you decide to apply for new car loans, you must check your credit score. It will help you in knowing your exact score and won’t leave any chance of error.

The second step is to lay out a strategy to buy the new car. There are plenty of auto dealers in the Lone Star State who will have latest cars in their car lots. In order to avoid any confusion, you must first decide on the car-type. Choose the car according to your needs. If you have a family, a large car is essential. If you have to travel long distances every day, then you must buy a car with high mileage.

The third step is to apply for a car loan. You must not rely on a single lender and apply with many because every lender has different approval criteria. One may offer you high interest rate considering your score as bad. Other lender may provide you great rates. So, it is always essential to apply at several places and do a thorough research. This will ensure that you won’t miss-out on attractive options. You don’t want to lose a money saving opportunity and that’s why it is always better to compare.

When you choose a lender, do not forget to check their websites for client testimonials. It is always better to take help of people who have already availed the services of lender. Once you get all the information, you can straight away choose the right kind of lender to fund your new car.

Once you get approved for an auto loan, go and buy that dream car of yours. It’s time to buy a new car loan and cruise down the Texans Streets in style!

Getting a perfect car loan makes your car buying even more perfect. If you are searching for affordable Texas auto loans, is your answer. We have wide network of lenders in the Lone Star State who offer guaranteed auto loans to all types of credit borrowers - good or bad. Apply on our website and get the most competitive auto loans.

All the Best!

A Complete Car Buying Guide for Texans

Cars hold such an important place in our lives that no one can ever imagine life without it. It makes our journey beautiful and significantly comfortable. A car is a requirement in a large state like Texas. Also, it has the largest highway systems in the nation which makes car purchase quite obvious.

Buying a car is an important purchase of your life. You need to be very cautious in order to buy a perfect car. This article is your ultimate guide in buying your dream car. Tips and words of caution mentioned here will not let you end up in a sorry state.

Your Needs Are Your Priority

You must not buy a car just because your friends are buying it. You must have a solid reason to do so; otherwise it’s just waste of your precious time and money. If you are a student and need a car to reach college, a simple car with minimum maintenance will serve you. If you have a family, then a wagon with safety equipments is your requirement. If you have an agricultural business, you need a car that can easily transport the produce. So, before deciding on the car, understand your needs.

Money Rules the World

Once you decide on the kind of car, the next is to decide your budget. Your financial ability will decide whether you go for a new car or pre-owned. You will have to decide on getting an auto loan as well. You have many options to get a car loan and internet is the modern choice. There are many online auto lending companies that offer large variety of auto financing options.

Just Because A Chicken Has Wings Doesn’t Mean It Can Fly

Looks can be deceptive and so, a thorough scrutiny is required while selecting a car. Research is very important here. While deciding on a car, read reviews and expert comments. Texas Auto Guide can provide you local news. Cruisin’ Times Magazine will help you with the reviews.

When you are buying a car from a dealer, you must ensure that the car model hasn’t been recalled. Also, compare other car models to be sure of getting the best deal. When you get a used car, ask your trusted mechanic to inspect it. Check the car’s Vehicle History Report for any problem. Get the odometer disclosure statement and don’t forget to test drive.

Making Your Dream Car Your Own

When you buy a car from a local Texan dealer, he will do all the work of getting it titled and registered with the State DMV. The dealer must title the car in your name within 20 working days. The number of days will increase to 45 if he is offering you car loan.

But when you are completing the process of title and registration, you must fill the Application for Texas Certificate of Title (Form 130-U). It will have the seller’s name, his signature and the purchase price on it. Odometer Disclosure is mandatory in most cases. Also, ask him for vehicle registration receipt and release of lien.
Ask the seller to come with you to the county tax office so that he can solve the tax office representative’s doubts, if any. When you are buying a car from a private party, you will have to pay the motor vehicle sales tax (6.25%) on the purchase price or the standard presumptive value, whichever is higher. Other than that, the general title transfer charges and registration fees apply.

Remember to take the proof of liability car insurance to the county tax office because they won’t process your application without it. And, they will only let you apply for title (not registration).

To register your car, you must pay the registration fees. As of September 1, 2011, Texas will charge $50.7 5 for cars and light pick-ups that weigh 6000 pounds or less. If your car weighs between 6001 and 10,000 pounds, then you must pay $54. You will also have to pay a local county fee that ranges from $5 to $11.50.

Don’t forget to undergo annual emissions testing if you live in an emission county.

You get new license plates for a new car. For a used one, you need to transfer it.
If you want to transfer plates from your old car to the new one, your county tax assessor - collector office will help you with it and also issue a new registration sticker without any transfer fee. Here, you can think of buying specialized or vanity plates by paying extra.

Once you are done with all the legalities, you will be provided with the registration receipt. The receipt will have a sticker which should be place on the windshield along with your inspection sticker.

So, that’s how you make that dream car your own. Buying a car can be a great experience when you know that you are buying a flawless car. Don’t forget these useful tips for buying a car in Texas and soon you will be driving your perfect car on the streets of the Lone Star State.

Getting a perfect car loan makes your car buying even more perfect. If you are searching for affordable car loans in Texas, is your answer. We have wide network of lenders in the Lone Star State who offer loans to all types of credit borrowers - good or bad. Apply on our website and get the most competitive Texas auto financing.