Car Loan Documentation Checklist: The 5 Things You Need
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:
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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.
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Driving in winter:
- Avoid driving while you’re fatigued. Getting the proper amount of rest before taking on winter weather tasks reduces driving risks.
- Never warm up a vehicle in an enclosed area, such as a garage.
- Make certain your tires are properly inflated.
- Never mix radial tires with other tire types.
- Keep your gas tank at least half full to avoid gas line freeze-up.
- If possible, avoid using your parking brake in cold, rainy and snowy weather.
- Do not use cruise control when driving on any slippery surface (wet, ice, sand).
- Always look and steer where you want to go.
- Use your seat belt every time you get into your vehicle
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1. Make Sure It’s the Right Car
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.
2. Do You Need to Finance?
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.
Perhaps the first frost has already coated your windshield, forcing you to dig out the scraper. As you adjust to the chill, give a thought to your ride, and check out these nine tips that will keep your car rolling smoothly through winter’s challenges.
We’re assuming you’ve covered the basics (such as the scraper) and are up-to-date on your car’s regular scheduled service. Don’t postpone that—a mishap that would just be an annoyance in warmer weather could be a life-endangering hazard in the winter.
Read more at https://www.kiplinger.com/slideshow/cars/T009-S001-winter-car-care-and-maintenance-tips/index.html#0yvYJdYJJLkAcLzt.99