Expert Advice for Car Loans
All Articles on Car Loans
Toyota Payments: What You Need to Know
You can make a payment on your Toyota auto loan online, by phone, through the mail, or with auto-pay. You can’t use a credit card.
How to Get a Lincoln Car Loan
You can finance your Lincoln through Lincoln Automotive Financial Services, or secure a car loan through a bank or credit union.
How to Get a Land Rover Car Loan
You can opt for a car loan straight through the Land Rover dealership, or you can look for better interest rates with a bank or credit union.
What Are Auto Money Title Loans?
An auto money title loan allows you to use your car’s title as collateral to borrow money, but you could lose your vehicle if you default. Learn more here.
How to Get a Car with No Credit or Cosigner
If you are trying to get a car with bad credit, no credit, or no cosigner, you’ll need to find a bad credit dealership and lender, figure out your savings for a down payment and consider refinancing.
Buying a Car In Colorado From Out Of State
Buying a car in Colorado from another state means dealing with some paperwork, but the process isn’t all that different from registering any vehicle.
2021 Infiniti Q60 MSRP and Pricing Information
Infiniti's 2021 Q60 sports coupe starts at $41,750 and goes up to $60,200.
How Long Does a Repossession Stay on your Credit?
A car repossession will stay on your credit report for seven years, starting from the date of your first missed loan payment.
What is Considered a High Car Payment?
According to financial experts, a high car payment is one that amounts to more than 30% of your monthly income.
Subprime Car Loans Are Seeing a Wave of Defaults
Rising inflation without rising wages means that many low-income Americans are unable to make payments on high-interest subprime car loans.
Car Loans for Unemployed College Students
Getting a car loan as an unemployed college student will be hard, but it is possible if you have alternative sources of income or a co-borrower.
The Impact of Bad Auto Loans Is About To Cause a Flood of Repossessions
Car loans are increasing as car buying continues to grow, inability to pay off these high loans could lead to vehicles getting repossessed.
A Guide to First-Time Car Loans for College Students
It is difficult—but not impossible—for students to secure a first-time car loan, and a good credit score or cosigner can help.
Car Loans for Bad Credit and Negative Equity
Getting a car loan with bad credit and negative equity can be difficult, but it’s possible with this guide from Jerry.
A Guide to Car Loans for Nurses
Nurses may qualify for reduced interest rate loan terms at federal credit unions like NIHFCU and Healthcare Associates Credit Union
A Guide to Low-Income Car Loans
Being a low-income earner can make it difficult for you to find a car loan, but some lenders may be willing to work with you.
Car Loans for People with No Credit
Not having a credit history makes it challenging to secure a car loan, but it’s not impossible to get financing—check out Jerry’s expert tips.
A Guide to Car Loans for Young Drivers
Young drivers face unique challenges when getting a car loan but can improve their chances with good credit, a cosigner, and opting for a smaller lender.
A Guide to Car Loans for College Students
It can be difficult to get a car loan as a college student, but you will have better chances if you check your finances, have a cosigner, and get pre-approved.
A Guide to Car Loans for First-Time Buyers
Don't let inexperience force you into a bad car loan – arm yourself with knowledge and negotiate the best deal with these tips for first-time buyers.
A Guide to Car Loans for Veterans
Being a veteran can make securing an auto loan a bit difficult, but financing options are available, and Jerry is here to help!
A Guide to Car Loans for Students
Being a student can present unique challenges to getting a car loan, but it’s not impossible to get financing—just follow Jerry’s expert tips.
How Does Interest Work on a Car Loan?
If you took a loan to pay for your car, you will be charged interest on your monthly loan payments. Interest is what you’re charged to borrow money.
How to Get a Car Title Loan With No Income Verification
You can get a car title loan without proof of income if there are other documents you can show besides a pay stub.
Can You Have Two Car Loans at the Same Time?
Can you have two car loans at the same time? Although your interest rates may be quite high, it is possible to get approved for more than one car loan.
Do You Need Full-Coverage Insurance on a Financed Car?
Most lenders will require you to buy full-coverage car insurance if you finance a car with an auto loan.
The 7 Essential Tips for Financing a Car
When you’re financing a car, maximize your savings by paying at least 20% down and opting for a shorter loan term.
What Is a Balloon Payment for a Car Loan?
A balloon payment is a kind of loan that allows you to make lower monthly payments followed by one big payment at the end of the loan term.
Everything You Should Know About Risk-Based Pricing
Risk-based pricing is a method lenders use to determine your interest rates and loan terms by examining your credit report.
What You Need to Know if You Owe a Deficiency Balance
What happens if you don’t pay a deficiency balance? Don’t wait to find out— talk to your lender about your options.
All Questions on Car Loans
Should I use a car loan to rebuild my credit?
I want to rebuild my credit, but I also need a set of wheels to get around. Is a car loan a good way to rebuild credit?
How do you pay off your car loan early?
I took out my car loan years ago, and now I have a much better-paying job. I’ve been thinking about paying off the loan. Can I pay off the rest of my car loan early? If so, how?
How soon can I refinance my car loan after I purchase my vehicle?
I’m not pleased that my current monthly payment is so high. How long do I have to wait to refinance my car loan?
How long do I have to wait to refinance a car loan?
I have been paying my monthly loan payments for five months now. I was wondering if refinancing my loan for my Jeep Wrangler is an option for me. Can I refinance my car loan early?
How do you get your car title after paying off the loan?
After four years and not a single missed payment, I finally finished paying off my car loan. My car was the first sizable financed purchase I made, and I’m excited to own the vehicle officially. How do I get my car title after paying the loan?
Should I apply with a different lender if I was already denied a loan for $20,000?
"I want to buy a car for $20,000. I don't have money for a down payment, but if I had to, I could probably get a cash advance from my credit card to put down $2,000. My credit score is 658, but many of the derogatory marks are from my parents opening up credit cards in my name and using them without my consent. I was already denied at one lender. Should I apply with a different one?"
How much is my car loan payment?
How much will my car loan payment be per month? I was offered a $20,000 car loan with a 5.34% APR and I’m just wondering how much I’ll have to pay every month. I want to make sure I can afford it before I sign the agreement.
Will filing for bankruptcy pay off my car loan?
I have a car loan with a balance of about $18,000, but I'm also struggling to meet my other debt obligations. I thought about filing for bankruptcy. Will this pay off my car loan?
How does a loan rework function?
"My lender got a hold of me for a ""loan rework"" on my auto loan. To do this, I have to put down a lump sum of $5,000, which only reduced my monthly car note from $320 to $307. How does a loan rework function? The math doesn't add up."
Can you get rid of force-placed insurance charges after they've already been charged to the balance of your loan?
I accidentally let my insurance lapse on my financed vehicle. My lender put force-placed insurance on my car. This nearly doubled my monthly payments and added to the total balance of the loan. Can these charges be removed now that I can show proof of my own insurance?
How do I get a car loan after bankruptcy?
I had to file for bankruptcy. During it, most of my assets were sold to pay off my debts, including my car. My bankruptcy was discharged last year and now I need a car for work. How do I get a car loan after bankruptcy?
How can my daughter take over my car loan?
My daughter has always loved my car, and now that she's moved to the suburbs, she needs a car. She's always loved my car, so I said she could have it if she takes over the loan. Is this possible?
What do I need to do after I pay off a car loan?
I'm going to pay off my car loan next month. Is there anything I need to do afterward?
How can you refinance your car loan?
I recently started renovating my basement to build a personal gym and I quickly discovered it will be a lengthy and expensive project. I’m trying to free up as much money as I can each month and I thought about refinancing my car loan. How do I refinance my car loan?
Should I pay a loan off in 36 months or 60 months if they have the same interest rate?
If two car loans have the same interest rate, which loan is the better option? I went to a dealer to finance a new car, and they're running a 0.9% APR financing special for either 36 or 60 months.
Should I refinance my car loan?
I’ve been working hard to get better credit and my credit score has improved. Should I refinance my car loan? What would it benefit?
How do I know how much interest I'm paying on a car loan?
I just signed my first car loan and while I know the interest rate, I'm not sure how much interest I'm paying per month or overall. Where can I find the amount of interest I’m paying on my car loan overall?
"Is it possible to get a car loan with low income of $800 to $1,000 a month? "
"I am 19 and I have an excellent credit score. I make money by doing odd jobs for my neighbors. The work has been consistent for the last two years and I usually make $800 to $1,000 per month. Could I get a car loan? "
How do I use a pre-approved car loan?
The lender I'm thinking of using for my car loan says I can get pre-approved. However, I don't understand what that is or how it'll benefit me. How do I use a pre-approved car loan?
Are car title loans legal in PA?
I live in Pennsylvania and am struggling financially. I've heard about car title loans. I'm considering getting one, but are title loans legal in Pennsylvania?
Should I refinance my Nissan 370Z to cut my interest rate and pay off the balance sooner?
"My annual salary is about $80,000, and I have a $20,000 car loan with a 6.74% interest rate. Refinancing this loan will cut my rate down to 3.99%. I plan to pay off the loan within eight months. Is refinancing my Nissan 370Z worth it?"
Can I convert a personal car loan to a commercial one?
More and more often, I'm using my personal car to run errands for my business. This car was bought with a loan. Can I change this loan to a commerical loan?
What do you need when applying for a car title loan?
My husband and I need some extra cash to finish remodeling our bathroom, but the bank rejected our personal loan application. Due to the loan denial, I want to apply for a car title loan. I’ve never applied for one before, so what do I need for a car title loan?
Can I get out of a car loan after a repossession?
My lender repossessed my car, but I still have a loan balance of $1,700. Can I get out of this loan? Or do I still have to pay it off even though I don't have the car anymore?
Can I have a cosigner who doesn't have a valid driver's license?
I want to buy a new car, but need it financed. However, my only cosigner doesn't have a valid driver's license. Will this pose a problem?
What is considered a new car for a loan?
What would be considered a new car for a car loan? I found this great car for sale that someone else owned for a little while but never drove!
Why did my credit score drop after leasing a car?
I recently took out a lease for a new car and I noticed that it made my credit score drop. Why is that? I don’t think I’ve missed any payments or anything so I’m a little confused.
How many months can a car loan be?
I’m not sure how many months my car loan will be. How long is a loan contract usually?
How do you pay Toyota Financial with a credit card?
Can I pay my Toyota Financial bill with my credit card instead of my bank account? My paycheck is going to be late, and I would be much more comfortable paying with my credit card this month if that’s an option.
How can I get a new car loan with bad credit?
What can I do to increase my chances of getting a car loan with bad credit? I work two part-time jobs, but I’m behind on bills. Because of this, my credit is bad. I want to buy a car to hopefully find a better job.
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