Car loans in Houston
A car is not only a vehicle for transportation. Many people believe their vehicle is a reflection of their personality. The color, power, and an exquisite design are some of the reasons why people decide to purchase a certain car. However, not everyone has the means to just strut into a car dealership Houston and pay cash outright for a car. So, with that being said car loans in Houston are available to aid you in purchasing a car. But most people don’t have the best credit. That is where we come in. We are justgetmeapproved.com and we help get people connected with lenders. Lenders that work with people that apply for bad credit car loans. Because gone are the days of the big banks helping the little guy with bad credit get an auto loan.
Pull your credit prior to applying for a car loan
There are databases to remember just about everything you do anymore. However, people do data entry, and people make mistakes. What might seem like an minor data entry mistake could end up hurting your credit rating. Someone could have entered the wrong account number in their system and entered on your account a late payment. It isn’t also not uncommon for a person with a common name like Jose Torres to have other Jose’s info on their report. As a result of a data entry error. Pull a free credit report online and look it over. Don’t be afraid to question an error. If an account is open at a store that you have never heard of and are sure you didn’t open it. Call them and ask what that is all about. Removing any errors on your credit report will help you when you apply for your car loan.
Do some comparison on the value of the car you want to purchase
Car dealerships don’t give you as they say “the lowest prices possible”. They are confident people are going to walk up to their lot and find a car that looks nice. Go out for a test drive. Then follow the sales person into their office and buy the car. Not questioning the sticker price at all. Don’t fall for this. Say you live in Houston and at a Honda dealership they have a car you want. Before you drive right over and purchase it. See what another Honda dealership has. They might have a similar car over there. After you have decided which car you want to buy. Do yourself a favor. Research online what the car is worth. Because of you being well informed you could show the sales person this info and possibly save $750 on price of the car.
The last step is applying online and selecting the lender
Because you will have checked out your credit report and researched what the car is worth. All that is left to do now is get approved for loan. This is where we don’t want all your hard work go down the drain. If you go to a car dealership and sit in the sales persons office. They are going to use every trick they have to get you to finance with them. They will get a commission on your loan on top of the commission for selling you the car if you finance with them. Which is a huge mistake. See just like when you looked around at other dealerships for comparable cars. The same thing needs to be done with the lender on your car loan. Here is a link to a video explaining it. However, no one has the time to sit down and call a bunch of different lenders. So how can you get a range of what interest rate you could get? Easy, just apply online with justgetmeapproved.com When you apply with us your loan information is securely sent to the network of lenders we work with. Some lenders might decide to pass on it. While others will want a chance to lend to you. By filling out our single online application. You get the benefit of several lenders contacting you telling you what they can do for you. When lenders compete for your loan that helps keep the interest rate lower.
Unless you would rather be trapped in a sales person office. And be told by the finance manger in the other room what they are going give you for a rate. And you are stressed so you believe them when they say it’s the best rate you’re going to get
We help you remove that entire stressful step of the car buying process. With us is as simple as apply online, pick a lender. Then go get yourself a car! Apply online today!