Posts Tagged ‘finance’
Using Dealer Finance Options to Purchase a Car
May 15, 2012 | 
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Dealers are able to offer some very competitive car on finance products and this can be a hassle-free way to purchase your next car. The dealer will be able to sort out a credit agreement with you on the spot. This will allow you to find out quickly if the car you want is available to you on finance. This will mean that if you can pay the deposit you could drive away a car on the same day.
Dealers are motivated by securing car sales so will help you find a credit product you can afford. Unlike banks and building societies, their profits will be made on selling both the car and the credit product. This means they are in a win-win situation, so they will be much more likely to offer you the very best deal they can to help you finance the car you want. In the current unsettled financial climate banks and building societies are much less willing to offer personal loans at competitive prices. This means that dealers can often provide much more cost effective borrowing options for those people who want to use a financial product to fund the purchase of their next car.
There are several different options when it comes to dealer finance and these include:
- Hire Purchase (HP) – this simple agreement involves paying back the cost of the car on a monthly basis. Once you have signed the agreement and paid the deposit you will be able to start using the car straight away. The car will not legally be yours until you have finished paying off the agreement (the price of the car plus the interest and admin charges). It is very important you meet the monthly repayments on this type of agreement. If you do fail to meet the repayments, then the lender will recover the car and you will have lost both your car and the money you have paid back so far.
- Personal Contract Plan (PCP) – this is similar to a HP agreement in that you sign a contract to pay back the costs of the car in monthly repayments. However, this contract is different as you will pay one final ‘balloon’ payment at the end of the agreement. This will make the monthly repayments much lower throughout the contract and is suitable for those people who want to buy a slightly more expensive car. Also at the end of the agreement if you no longer want to keep the car you can give it back to the dealer without paying the final balloon payment (as long as the car is in good condition and has not gone over the agreed mileage allowance). As with HP agreements, if you fail to meet the monthly repayments the lender will recover the car and you will have lost any money you have paid so far.
Great Deals When You Buy New Cars on Finance Now
If you are one of the thousands of people thinking about changing your vehicle then you should consider buying new cars on finance. There are a number of deals available now that can make finance products a practical option for your next car purchase.
Buying a New Car
There are many reasons why people buy new cars. They may be looking for something more economical and reliable or want to upgrade their car to a more luxurious model. Whatever the reason for buying new cars you could fund your purchase with a finance deal. Buying cars on finance is very straightforward these days and there are many different types of products available on the market. This means you can shop around and find the best deal for your needs and situation.
Shopping Online
The Internet is one of the best places to find great deals on car finance products. There are a good range of different lenders operating online and offering competitive rates for buying cars on finance. If you are shopping for your finance package online then make sure you do your research. Dont provide any personal details until you have checked that you are dealing with a reputable lender. Also look for those providers that can offer good customer support including direct telephone helpdesks.
Dealer Finance
Dont forget you can buy cars on finance directly from your local dealership. There are several benefits to using dealer finance:
- Competitive Rates – dealers are now offering some of the most competitive rates on car finance products available. They are motivated by the final sale to help customers find suitable finance packages and this means they can be more flexible than banks and other lenders.
- Fast Agreement when you buy cars on finance from dealers you can often get an answer on your application in just a few hours. This means you could choose the car you want and drive it away the same day. This is ideal for busy people who need a car as soon as possible.
- Easy Process it is easy setting up a car finance agreement at the dealership. They will talk you through the process step-by-step and it should only take between 1 and 2 hours to sort the whole thing out.
Buying new cars on finance can be a practical way to get your next vehicle. By spreading the repayments across a longer term you will be able to afford the type of car you actually want. This gives you the opportunity to choose a car which can offer economy, reliability and little more luxury.
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Learn How to Benefit From Buying Cars on Finance
Many of us assume that the best way to buy a new car is to use our own savings. However there has never been a better time to take out finance deals. Borrowing rates are competitive and it could actually work out to be more cost effective for you to buy cars on finance and leave your savings where they are.
There are many ways in which you can make car finance work best for you. It does pay to learn as much as possible before you sign up to any agreements. Making the most of buying cars on finance requires a good understanding of the market. Here are a few tips to get you started.
1. Only Borrow What You Need
When you approach buying cars on finance it is important that you only borrow what you need. The best way to start is too decide what type of car you need. Take a look around at the makes and models available that would suit your purpose. This will give you a good idea of what you need to borrow when it comes to finding a loan.
Many people start by finding out how much they could borrow and then looking at cars. Buying cars on finance this way can mean you take on a much higher loan than you really need. This can put a strain on your finances and could leave you struggling to meet the repayments.
2. Look at Both Online and Offline Quotes
Finding the best deals when buying cars on finance is about shopping around. You need to get quotes from several different sources to find out which lenders can offer you the best deals. The Internet is a great place for finding cheap offers on credit product such as car loans. However you cannot afford to ignore offline loans as well such as those offered by dealers. These can be very competitive and could give online deals a run for their money.
By taking the time to shop around and compare deals from both online and offline providers you should be able to identify the best deals for your requirements.
3. Save up a Deposit
You could save a lot of money on your monthly repayments if you can afford to put down a deposit when you buy cars on finance. This option is available (and often required) on the finance offered by dealers. Once you have decided what type of car you want you should aim to save up at least 10% of the sale price.
If you cannot afford to save up a deposit then a personal loan from bank can be a good option. You will not need to pay any money up front when you take out a personal loan for a car purchase.
Buy Cars on Finance Quickly And Easily Online
Buying cars on finance is a very effective way to afford the best car for your budget and requirements. With finance you will be able to buy the car you really want the first time around.
It does seem that these days we cannot do without our cars for transport. Most people work and shop long distances from home and public transport is expensive and unreliable. Cars are an essential purchase for most people.
With petrol prices rising it is now more important than ever to own an energy efficient car that can allow you to travel more economically. Buying cars on finance is good option for many people. This can allow you to choose a modern, economical car. If you do high mileage in a year then this could save you a lot of time and money in trips to the petrol pump.
To help you understand if buying cars on finance is the right option for you here is a basic question and answers section.
What type of cars can I buy on finance?
Buying cars on finance gives you a lot of choice when it comes to makes and models. If you finance your car through the dealer then you will be able to choose any vehicle in that price range in the showroom. This could give you lots of options including luxury saloons, economical small hatchbacks and family sized people carriers.
Do I have to buy from dealers?
If you buy cars on finance using a personal loan then you will be able to purchase direct from showrooms and also from private sellers. This will give you more choices for your purchase. However it is important to remember when buying from private sellers with cash you will have little protection against problems such as faulty parts or misrepresented service history.
How much could I borrow?
When thinking about buying cars on finance it is important to set a realistic budget. How much you borrow will depend very much on how much you can afford to pay back. The lender will ask you questions about your income and financial circumstances. They will use this information to set a suitable loan amount. Make sure you can afford the monthly repayments without putting a strain on your finances.
Can I get a loan online?
There are a number of lenders offering options for buying cars on finance. This can be a quick and hassle free way to get the money you need for your next purchase. The vast majority of car dealers can offer you a choice of funding methods and many are also highly trained through the SAF accreditation in regard to discussing your various options
If you are applying for a loan online make sure you are dealing with a reputable lender. Check customer and industry review websites to find out more about customer service and company history.
Finance Calculator
A finance calculator allows you as an individual to do many thing. Most important is that a finance calculator will allow you to make complex financial calculations regarding many various financial decisions in your life without having in depth financial knowledge. Many financial calculators are available in two forms. First, you can buy a finance calculator in a hand held unit and you can access finance calculators in an online format. Depending on your needs you will want to choose the calculator that meets your needs best.
If you are in a university program and you are taking finance programs you will most likely want to choose a finance calculator that is hand held and is easily transportable. A hand held finance calculator such as one made by Texas Instruments will allow you to make complex financial calculations with just a few push of buttons. There is no longer a need to draw out long and complex financial problems on paper because the finance calculator can do them for you with no thought at all. A finance calculator is also fairly inexpensive. You will pay a lot less for a finance calculator than you would for a graphing calculator making it a very smart choice for any finance professional or any finance student.
The second most popular type of finance calculators are those that are house completely online. You can find an online finance calculator that will allow you to compare mortgage interest rates, calculate how many years you can save on your mortgage by adding extra payments, calculate how much money you will need to retire, calculator how much money you will have in retirement based on how much you are currently saving and calculate how much your car loan will cost you in interest.
Online financial calculators are a wonderful invention because they are usually created for one specific purpose. This means that instead of having a “do it all” calculator you have the option of finding an online calculator that will answer your specific question and using it. These calculators simply ask you to input your data into the pre populated data fields and then the calculator does all of the math for you. If you do not feel comfortable making your own calculations or handling a hand held finance calculator then you should look into using an online financial calculator. Whichever type of finance calculator you choose you will not be disappointed.
Motor finance in the UK – Carlyle Finance
Excitement and enjoyment were the energies filling the room at two local primary schools in Cardiff on the 2nd March 2010 as the Cheshire Jets basketball team and Carlyle Finance delivered the Hoops for Health program.
The Cheshire Jets, sponsored by Carlyle Finance, run a charity, The Jets Foundation. One of their many programs is built around educating young people about healthy living and supporting children with disabilities.
Carlyle Finance, one of the leading independent motor finance organisations in the UK, offering loan advice to finance a car, as well as providing quality car finance deals, proudly became the Cheshire Jets’ core sponsor. Carlyle Finance were keen to become a part of their charity events because it is an exciting opportunity to make a difference, as the Hoops for Health program teaches children about the implications of smoking and alcohol abuse. Carlyle Finance feels it is important to support the community, especially in these uncertain economic times, as charities generally have experienced a reduction in support during the recession. After enjoying considerable success in 2009 delivering record breaking business performance Carlyle Finance is thrilled to take responsibility by supporting various charitable events, including Hoops for Health.
On the 2nd March, the syllabus delivered to children surrounded the importance of being fit, the benefits of a balanced diet through healthy eating and the implications of smoking. The idea was to present a role model, on this occasion being the Jet’s team captain, James Hamilton, to both schools, to demonstrate to the children the benefits of healthy living, and involving them in fun basketball skills.
Karl Werner, Head of Sales and Marketing at Carlyle Finance says,” it is really fulfilling seeing children being inspired by healthy living and we are proud we can help deliver this message. Children learn more from role models, so we were really pleased to work with James in conveying the message, and we can’t wait to do more work with the Cheshire Jets”.