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subject: Kelley Blue Book Guide in Tulsa [print this page]


Kelley Blue Book Guide in Tulsa
Kelley Blue Book Guide in Tulsa

In order to get the best deal on an auto loan used, it's important to be an informed consumer. This means that you should know, ahead of time, what is on your credit report and what your FICO score is. If your credit score is above 640, chances are you can get a car loan with a conventional lender with either a prime or near prime loan. If it is below 640, you will probably have to deal with a subprime lender.

The second important point for an auto loan used is to know how much car you can afford. This means that you should formulate a budget for your car. Be sure to include gas as well as insurance expenses (full coverage). At most legitimate web sites, you will find a number of loan calculators that will help you estimate your car payment as well as give you an idea of your car budget.

Next, you should choose your car dealer carefully. Check with the local Better Business Bureau to see if the dealer has any complaints and, if so, were they handled in a timely manner. Dealers that also franchised new car dealers can offer you a number of options on used cars, including certified used cars something that non-franchised used car dealers cannot offer.

All used cars are required to have a window sticker, much like new cars are required to have a "Monroney Label." The Used Car Rule, exercised by the Federal Trade Commission, requires that a Buyer's Guide be easily visible from outside the car. In addition to basic vehicle information, the Buyer's Guide must also show:

* Whether the vehicle is offered "as is" or with a warranty

* Warranty details, if included with the vehicle

* What percentage of the repair costs a dealer will pay under warranty. In most used-car warranties, the dealer and owner each share a percentage of the cost of repairs according to the split listed on the buyers guide.

The Buyer's Guide also tells consumers that oral promises are difficult to enforce, and it recommends that all promises be made in writing and also suggests that the car be inspected by an independent mechanic (you should make sure it is an ASE Certified Master Mechanic) before purchase. On the reverse side of the Buyer's Guide is a list of defects that a used vehicle might have.

For more information on car finance, used cars, and bad credit auto loans in Tulsa, click here. If you live elsewhere, feel free to visit our other location based pages.




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