When you apply for an auto loan, bringing appropriate documents can help you get approved for your loan quickly. Generally, lenders are looking for proof that you are a good credit risk and will be able to repay the loan. This information, along with your credit report and score, will factor into the interest rate you are charged.
Some lenders may ask for particular documents that others don’t require, so it’s worth phoning in advance of your appointment with the loan officer to run through the information you’ll need to bring along. But to get you started, here’s a checklist of documents most lenders want to see:
The secrets to buying a car the right way are at your fingertips.
1. Is the vehicle 4 Wheel Drive? if so does it work properly?
2. Do you have a clean Carfax?
3. Has it ever been repainted?
4. Are there any signs of smoking or pets?
5. Do all the windows and locks work?
6. Do all of the lights, wipers and stereo work?
7. Do the turn signals and cruise control work?
8. Do you have the clear title in hand?
Winter is just around the corner. For many drivers, that also means the challenges of winter car ownership are just around the corner, too, like salted streets, icy roads, freezing temperatures and heavy snow. How can you make sure your car is well cared for during the difficult winter months? We’ve listed eight simple car care tips that can go a long way toward making sure your car stays in great shape all winter long.
One major hazard with winter driving is that the sun sets earlier in the day, which means there’s less daylight, especially on your commute home. As a result, you’ll want to do everything you possibly can to make sure all of your vehicle’s lights are in excellent shape, providing the brightest possible illumination they can. If a bulb is out, fix it before winter starts, and if there’s snow covering any exterior light, make sure you remove it before setting off to drive anywhere. If your headlights are foggy or yellow, consider replacing them or look into an easy restoration kit.
The #MartinLutherKingJr #Holiday celebrates the life and legacy of a man who brought hope and healing to #America. #ColonialMotors
Driving in winter:
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The staff at #ColonialMotors wishes you a happy #holiday! #autodealer
Imagine buying a new car as a surprise for a family member, only to find out that you’ve selected the wrong vehicle. Worse, imagine surprising someone with a car only to discover that it doesn’t meet their needs: too big, inefficient or difficult to see out of, for example. To avoid these issues, we suggest talking to the person receiving the surprise to verify that it’s exactly what they want, rather than springing it on them completely unexpectedly.
If the car is for a significant other and you need to finance it, a surprise might be out of the question — especially if you’ll both need to be listed on loan documents and paper work. Don’t be dismayed, though: Explain your situation to the dealer, and they may help you carry out your surprise, insisting only that you come in shortly after the surprise to finalize all the paper work.