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Top advantages to buying a used car Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial choices by offering you interactive tools and financial calculators that provide objective and unique content. This allows you to conduct your own research and evaluate information for no cost and help you make informed financial decisions. Bankrate has partnerships with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The products that appear on this site are from companies who pay us. This compensation may impact how and where products are displayed on the site, such as, for example, the sequence in which they appear within the listing categories and other categories, unless prohibited by law for our mortgage, home equity and other home loan products. But this compensation does affect the information we provide, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. SHARE: Barry Austin Photography/Getty Images

4 minutes read. Published March 02, 2023

Written by Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers in understanding the ways and pitfalls of taking out loans to purchase cars. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since the end of 2021. They are passionate about helping readers gain confidence to manage their finances by providing concise, well-researched and well-organized information that breaks down otherwise complicated subjects into digestible pieces. The Bankrate promises

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At Bankrate we strive to help you make better financial choices. While we adhere to strict journalistic integrity ,

This post could contain some references to products offered by our partners. Here's a brief explanation of how we make money . The Bankrate promise

Founded in 1976, Bankrate has a long history of helping people make wise financial choices.

We've maintained this reputation for over four decades by demystifying the financial decision-making

process and giving customers confidence in the decisions they will do next. process and gives people confidence in the next step.

You can rest assured that we'll put your interests first. All of our content is written in the hands of and edited by ,

We make sure that everything we publish is objective, accurate and trustworthy. Our loans journalists and editors focus on the areas that consumers are concerned about most -- various types of loans available as well as the best rates, the best lenders, the best ways to pay off debt and much more. So you can feel confident when making a decision about your investment. Integrity of the editing

Bankrate follows a strict , so you can trust that we're putting your interests first. Our award-winning editors and reporters produce honest and reliable information to assist you in making the right financial choices. Key Principles We respect your confidence. Our aim is to offer readers accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our reporters and editors rigorously fact-check editorial content to ensure that the information you're reading is accurate. We maintain a firewall with our advertising partners and the editorial team. The editorial team of Editorial Independence Bankrate does not receive any direct payment from our advertisers. Editorial Independence Bankrate's team of editors writes for YOU - the reader. Our goal is to provide you the most accurate advice to help you make smart personal finance decisions. We adhere to strict guidelines in order in order to make sure that the content we publish isn't influenced by advertisers. Our editorial team is not paid directly from advertisers, and all of our content is verified to guarantee its accuracy. So, whether you're reading an article or a report it is safe to know that you're receiving reliable and reliable information. How we earn money

There are money-related questions. Bankrate has the answers. Our experts have helped you understand your finances for more than four years. We strive to continuously provide consumers with the expert guidance and the tools necessary to be successful throughout their financial journey. Bankrate adheres to strict standards standard of conduct, so you can rest assured that our content is honest and precise. Our award-winning editors and journalists produce honest and reliable content to help you make the best financial choices. The content we create by our editorial team is objective, truthful and is not influenced by our advertisers. We're open about the ways we're in a position to provide quality information, competitive rates and helpful tools to our customers by describing how we earn our money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for the promotion of sponsored goods and services or by you clicking on certain hyperlinks on our site. Therefore, this compensation may impact how, where and when products are listed in the event that they are not permitted by law. We also offer mortgage, home equity and other products for home loans. Other factors, like our own rules for our website and whether the product is available in your region or within your self-selected credit score range could also affect the manner in which products are featured on this site. While we strive to provide a wide range offers, Bankrate does not include the details of every credit or financial products or services. The option of buying a used car instead of the purchase of a brand new car is an excellent option for many motorists. While rates of inflation in the U.S. soar to record levels, Americans are seeing its consequences at the supermarket checkout and at the . With new car costing close to $47,000 by the time 2022 begins, in accordance with Kelley Blue Book, now is the ideal opportunity to save money and invest in a used . A used car can save you money Buying a used vehicle instead of a brand new one could help you save money in many ways. A used vehicle will cost less than the sticker price alone -- but that's not where the savings stop. You will also be reaching for your wallet smaller than you would if you owned a brand-new vehicle with regards to fees, insurance and vehicle depreciation. The in the Fourth Quarter of 2022 the price for an used car is $526. Drivers financing a new vehicle paid $716, according to . A savings of over $180 per month adds up quickly, and you could save thousands by going for a used car over a new one. While paying a lower purchase price for the same model that is from different year is an obvious motive to buy used cars There are other benefits too. Five benefits of buying used Used cars aren't all created equal. It is important to determine if a used car can be considered in decent or poor condition. In that regard Here five top advantages of buying a secondhand car. 1. Less vehicle depreciation Vehicle is a fact of daily driving, however a used vehicle offers much less value than a brand-new vehicle. New cars generally depreciate around 20 percent after they've been taken off the lot. And most cars will be lost 10 percent in value during the first year. It's a loss of 30 percent within the first calendar year. A used vehicle appreciates in a slower manner than a new vehicle. This is because once you're behind the wheel of the vehicle it will have already experienced its significant depreciation. New cars appreciate the moment they leave the lot However, a used car is more depreciated, which means you'll have an increased stability in the ratio of loan to value. 2. Costs for insurance are lower. They depend on your age, driving history and rating on your credit, the mileage and the location. The majority of the time -- and just since the car is less -- insurance for used vehicles tends to be lower than that of a new vehicle. A key factor in determining the is the value of the vehicle. Because it is less expensive than a more modern version, the price of insurance will be lower. In terms of recommended coverage If your car is older , you might need to consider liability in the event that your state permits it, and not add comprehensive and collision coverage if your vehicle is more modern. But insurance rates are not always uniform, so to save money, make certain to research your expected auto insurance cost prior to leaving the dealership lot. 3. Lower dealership fees Just as insurance rates differ by zip code, the expected costs associated with your used car are not identical across the 50 states. But they are less expensive than the costs for a brand new car because the cost for the car is lower in the beginning. This is especially true for the sales tax you may have to pay. To prepare for the additional costs associated with the use of the state DMV website for more information on title tax and registration fees and documentation fees. 4. More bang for your buck The ability to stretch your budget for car purchases is another major benefit when you buy a used car. You can buy more car by purchasing used rather than new. If you have your sights set on a luxury vehicle however, you might not be able to afford the latest model, however one that's 2 or 3 years old could better fit your budget. It is also important to think about the fact that carmakers do not have to redesign their vehicles every year, so the tech and style differences may be less apparent. Calculate these potential savings and compare which is the best for you using the help of . 5. Peace of mind the past, buying used vehicles was viewed as a risk and many drivers viewed it as a risk however, the accessibility of car history reports has altered the landscape. The drivers now have access to information regarding the car's owner and accident history, title status, mileage and more. Before you sign off on an used car, take advantage of offerings from websites like Carfax and AutoCheck to view the history report for the vehicle. Based on the vehicle's identification number, or VIN. The reports provide an array of valuable information including verification of the mileage as well as whether the car was ever declared to be a total lost by an insurance firm. Certified pre-owned option If you are still worried about hidden issues that could be present in an older vehicle, purchasing certified pre-owned might be a great option for you. You'll still save money by purchasing an used vehicle, but you will increase your assurance of the quality of the vehicle. Certified pre-owned -- or CPO programs differ from one manufacturer to the next. The basic concept is that CPO automobiles are those that conform to a manufacturer's standards and carry some form of guarantee against defects, like a brand-new car warranty. To do this, check the inventory of the dealership for the CPO car you're looking for. Every dealership uses its own lingo in relation to used options so be sure to explore online before heading to the showroom. A majority of these cars come with additional warranties, so check the duration of this coverage to understand what it includes. Next steps Buying a used vehicle is a fantastic option to drive without shelling out as much as you would on a brand new vehicle. You'll be rewarded with lower depreciation costs and less on insurance and registration but still be in peace of mind that your vehicle is in good condition. When the time comes to finance a used car, be sure to check for current rates so that you can be sure that you're getting the most favorable deal available. That's what financing can give. More SHARE with Leanr:

This article is written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers to navigate the ins and outs of securely borrowing money to buy a car. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since the end of 2021. They are enthusiastic about helping readers gain confidence to take control of their finances through providing precise, well-researched and informative facts that break down otherwise complicated topics into digestible pieces.

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Why you should get your car loan at a credit union Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by offering you interactive tools and financial calculators as well as publishing impartial and original content. We also allow you to conduct research and compare information for free - so that you can make sound financial decisions. Bankrate has partnerships with issuers such as, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Profit The offers that appear on this site are from companies that compensate us. This compensation can affect the way and when products are featured on this site, including such things as the order in which they may be listed within the categories of listing in the event that they are not permitted by law. Our mortgage or home equity products, as well as other products for home loans. This compensation, however, does not influence the content we publish or the reviews you read on this site. We do not include the entire universe of businesses or financial deals that might be available to you. Emma Turner/Shutterstock.com

5 min read Published March 02, 2023.

The article was written by Meaghan Hunt. Written by personal finance contributor Meaghan Hunt is a writer, researcher and editor across disciplines, with a love of personal finance topics. After a decade of working in public libraries, she now writes, edits, and studies as a full-time freelancer. Written by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate from late 2021. They are committed to helping readers to manage their finances by providing clear, well-researched information that breaks down complex issues into digestible chunks. The Bankrate promise

More info

At Bankrate we aim to help you make smarter financial decisions. While we adhere to strict editorial integrity ,

This post could contain some references to products offered by our partners. Here's a brief explanation of how we make money . The Bankrate promise

Established in 1976, Bankrate has a long track experience of helping customers make smart financial choices.

We've maintained this reputation for over four decades by making financial decisions easy to understand

process, and gives people confidence about what actions to take next. process and gives people confidence in the next step.

You can rest assured you can trust us to put your needs first. All of our content is written with and edited

They ensure that what we write ensures that everything we publish is accurate, objective and trustworthy. We have loans reporters and editors focus on the areas that consumers are concerned about the most -- the various types of loans available and the most competitive rates, the top lenders, ways to pay off debt and many more -- so you'll feel safe making a decision about your investment. Integrity of the editing

Bankrate has a strict policy standard of conduct, which means you can be confident that we put your interests first. Our award-winning editors and journalists create honest and accurate information to aid you in making the best financial decisions. Key Principles We respect your confidence. Our goal is to provide readers with accurate and unbiased information, and we have established editorial standards to ensure that this happens. Our reporters and editors rigorously fact-check editorial content to ensure that the information you're reading is true. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Editorial Independence Bankrate's editorial staff writes in the name of YOU the reader. Our goal is to give you the best advice to assist you in making smart personal finance decisions. We follow the strictest guidelines in order to make sure that content isn't in any way influenced by advertising. Our editorial team is not paid directly from advertisers, and all of our content is fact-checked to ensure accuracy. So when you read an article or reviewing it is safe to know that you're getting credible and reliable information. What we do to earn money

If you have questions about money. Bankrate has answers. Our experts have been helping you master your money for more than four decades. We are constantly striving to provide consumers with the expert advice and tools needed to make it through life's financial journey. Bankrate follows a strict standard of conduct, which means that you can trust that our content is truthful and reliable. Our award-winning editors and reporters provide honest and trustworthy information to assist you in making the best financial decisions. Our content produced by our editorial team is factual, objective and is not influenced through our sponsors. We're transparent regarding how we're able to bring quality content, competitive rates and helpful tools to you by explaining how we earn our money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for the promotion of sponsored goods and services or when you click on certain hyperlinks on our website. This compensation could affect the way, location and when products are displayed within the categories of listing, except where prohibited by law. This is the case for our mortgage, home equity and other home loan products. Other factors, such as our own website rules and whether or not a product is available within your region or within your self-selected credit score range can also impact how and where products appear on this site. We strive to provide an array of offers, Bankrate does not include details about each financial or credit item or service. If you're looking to purchase an automobile, whether used or new it's a good choice for a loan. There are more than 4,800 federally insured credit unions within the United States, with over one hundred million members, according to the (NCUA). National banks have more branches and are generally faster to adopt new technologies. However, those who are interested in saving money owe it to themselves to research the benefits that credit unions provide. Credit unions usually have more greater advantages than online lenders and banks They also provide personal service as well as a range of other advantages. Key takeaways

Credit unions can offer more advantages to the borrower than other banks are in a position to be able to compete with. Lower interest costs, community presence and a borrower-oriented business model set credit unions apart.

Six reasons to take out credit union auto loan If you're in the market for your next car, consider the following benefits of obtaining an auto loan at a credit union. 1. Lower interest rates . Unlike bank, credit unions can offer lower rates due to the fact that they're not for profit. Therefore, they're experiencing exponential growth in auto loan originations. "Typically the rate of lending (at credit unions) is extremely competitive when compared to other lenders in most conditions," says Bill Meyer who was the former public relations and content manager for CU Direct, which connects credit unions with auto dealers across the nation. In the last quarter of 2022, the rate for a five-year , new vehicle loan from a credit union was 4.74 percent, according to the NCUA. At banks the rate was 5.53 percent. If you're borrowing $30,000 to finance a car The credit union will save you $327 on interest throughout the term of your loan. 2. Community ties, personalized service The process of getting a car loan isn't too different from bank and credit union. If you've got a lower credit score however, you might still be able to qualify for an auto loan with the credit union rather than one with a bank. "Credit unions are more likely to be more flexible in their underwriting processes," says Mike Schenk, vice president of research and policy analysis for the Credit Union National Association (CUNA), a trade association. The credit union is also likely to cooperate with you if you hit an upswing and require longer to complete an installment. "You have a unique story and your story is much more likely to be heard at a credit union. At large financial institutions they are more likely to encounter underwriting that's written in stone and carried out at a corporate headquarters a few states away. If you visit a credit union, and you're more likely be in conversation." 3. An easy loan procedure Gone are the days of needing to visit a branch to apply for a car loan. Many credit unions are now letting applicants apply online, over the phone or . If you are applying for financing through a dealership, "invariably, the dealer may refer you to credit union financing as well as a credit union you can join as a member," Schenk says, "so it's an easy process." However, you should before visiting the dealership. Some dealerships don't work with credit unions, and if you are able to be a member it is likely that you will be able to get the best rate dealing directly with your credit union. Additionally, you'll have a competitive loan offer when you start buying a car and won't have to pay dealer markup on the rate you are offered. 4. Credit unions have many other benefits Members, not shareholders, own credit unions, and any profits they earn go to members in the dividends. Credit unions can also pass on earnings to their members through more favorable rates for deposit accounts as well as on loan products, including auto loans. Most credit unions also participate in a shared branch and ATM network. Schenk says CUNA's members have an ATM network that is shared with over 40,000 outlets. Credit unions are focused on educating their members and educating them on how they can get advice regarding the best options for financial planning to suit your needs. "Credit unions offer full-service offering the same financial products like banks. They're just structured differently, which means that they provide significant benefits for the members of credit unions," Schenk says. The focus on members could mean a more nuanced dialog about your financial situation before the credit union either approves or refuses your loan. Credit unions may be more understanding and lenient than traditional banks with regards to the decision to lend. 5. Membership is simple. There are those who believe credit unions are only open to those who work for a certain company, industry or government organization, and that those who are not member of a particular group isn't able to join. Meyer says this is no longer the case. "Most credit unions are now allowing any person to sign up." CUNA has credit unions with community charters which permit them to serve larger geographic areas. If you're looking for an institution near you then go to the website and enter your zip number. "It would be shocking to see a person who was not able to access a credit union," Schenk says. 6. Car loans are an integral part of what credit unions do Be prepared to hear that an auto dealer will refer customers to credit institution prior to a bank. Credit unions for new and used cars alike increased year-over-year in 17.9 per cent and 19, respectively, according to 2022 . Credit unions had $166.8 billion of loan balances for new vehicles at the close in the 3rd quarter 2022, and $305.3 billion in used vehicles. How can I apply for a credit union auto loan? The process of financing a car with a credit union is similar as other loan providers, except the membership requirement. When you're an active member, you are able to apply for an auto loan on the internet, by telephone or in branches, based upon the particular credit union. A majority of credit unions review the following to determine the eligibility requirements in the event of an auto loan: Your personal information. Your employment and income information. Your employment and income information . The vehicle identification number (VIN) and mileage for the vehicle you want to purchase. Make sure you provide proof of insurance to the credit union during the application procedure. And note that while you may be able to sign up and get an auto loan on the same day, some credit unions require you to wait for a few months or even two prior to submitting your application. What is the difference between a bank, dealership and credit union car loan? The main difference between a bank or an auto credit union loan is the terms of financing. Some banks offer discounts particularly when you have a good relationship, a solid payment history and a . Both banks and credit unions can offer incentives, such as an autopay discount if you are an existing customer. But because credit unions are not for-profit entities and run by members, you can usually get better rates and reduced costs compared to banks that are for profit that are owned by shareholders. When you apply for a auto loan , the loan originates from a third party financial institution. Dealers receive compensation to match you up with any of their finance partners. This means that there may be better options than the interest rate that you receive from the dealership versus a bank or credit union. In addition, if there's any issue with the finance company they won't be able to help the customer -- you'll be required to resolve the issue your own. The main thing to remember is that when you purchase a new or used car, you have several options to choose from for financing. If you belong to a credit union, you might have access to low interest rates and lower fees compared to large banks as well as dealership loans. The application process is similar when you join, and the benefits may help you get approved, especially if you don't have the best credit score.

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Written by a contributor to Personal Finance Meaghan Hunt is a researcher, writer, and editor across disciplines , with a love for personal finance topics. After more than a decade working in public libraries She is now writing, editing and conducts research as freelancer full-time. Written by Rhys Subitch Edited and written by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are dedicated to helping readers gain confidence to take control of their finances through providing clear, well-researched information that break down complex topics into manageable bites.

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Taking on a new car loan while in bankruptcy Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial decisions by offering you interactive financial calculators and tools, publishing original and objective content, by enabling you to conduct your own research and analyze information for no cost - so that you can make sound financial decisions. Bankrate has agreements with issuers, including but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The products that appear on this site are from companies that pay us. This compensation may impact how and where products appear on this website, for example such things as the sequence in which they appear in the listing categories and other categories, unless prohibited by law. Our mortgage home equity, mortgage and other products for home loans. This compensation, however, does affect the information we publish, or the reviews that you see on this site. We do not include the vast array of companies or financial offers that may be available to you. SHARE Westend61/Getty images

5 min read Published June 22, 2022

Written by Jackie Lam Written by Contributing writer Jackie Lam is a contributing writer for Bankrate. Jackie writes about auto loans. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are dedicated to helping readers gain the confidence to control their finances with precise, well-studied and well-researched data that breaks down complex subjects into bite-sized pieces. The Bankrate promise

More info

At Bankrate we are committed to helping you make smarter financial decisions. While we are committed to strict editorial integrity ,

this post may contain references to products from our partners. Here's a brief explanation of how we make money . The Bankrate promise

Founded in 1976, Bankrate has a proven track history of helping people make wise financial decisions.

We've maintained this reputation for more than four decades through demystifying the financial decision-making

process and giving people confidence in which actions to do next. process and gives people confidence in the next step.

So you can be sure that we're putting your interests first. All of our content was written in the hands of and edited by ,

They ensure that what we write ensures that everything we publish is accurate, objective and trustworthy. Our loans journalists and editors focus on the points consumers care about most -- the different types of lending options as well as the best rates, the best lenders, the best ways to repay debt, and many more -- so you'll be able to feel secure when investing your money. Integrity of the editing

Bankrate adheres to a strict code of conduct , so you can trust that we're putting your interests first. Our award-winning editors, reporters and editors create honest and accurate content to help you make the right financial choices. Our main principles are that we value your trust. Our goal is to provide our readers with reliable and honest information, and we have established editorial standards to ensure that this happens. Our editors and reporters thoroughly verify the truthfulness of content in order to make sure that what you read is correct. We maintain a firewall with our advertising partners and the editorial team. Our editorial team doesn't receive direct compensation by our advertising partners. Editorial Independence Bankrate's editorial team writes on behalf of YOU - the reader. Our goal is to give you the best advice to help you make smart personal financial decisions. We follow strict guidelines to ensure that our editorial content is not in any way influenced by advertising. Our editorial staff receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you're reading an article or reviewing, you can trust that you're receiving reliable and dependable information. What we do to earn money

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four years. We are constantly striving to provide consumers with the expert guidance and the tools necessary to succeed throughout life's financial journey. Bankrate adheres to strict standards policy, which means you can be confident that our information is trustworthy and accurate. Our award-winning editors and journalists produce honest and reliable information to assist you in making the best financial decisions. The content we create by our editorial staff is factual, objective, and not influenced by our advertisers. We're honest regarding how we're capable of bringing high-quality content, competitive rates, and useful tools for our customers by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for the promotion of sponsored goods and services or when you click on certain links posted on our website. This compensation could affect the way, location and when products are displayed within the categories of listing, except where prohibited by law. We also offer mortgage, home equity, and other products for home loans. Other factors, such as our own website rules and whether the product is available within your area or at your own personal credit score may also influence how and where products appear on this site. Although we try to offer an array of offers, Bankrate does not include details about every financial or credit item or product. If you apply for Chapter 13 bankruptcy -- sometimes referred to a repayment bankruptcy, your credit score will be affected and will remain on your credit profile up to seven years. With Chapter 13 bankruptcy, you are required to sign a repayment agreement that is that is approved by the court clarifies Amy Lins, vice president of enterprise learning at , a nonprofit credit counseling agency located in Sugar Land, Texas. "This repayment takes place over a period of 3 to five years, which includes not taking on new debt," says Lins. "However the court acknowledges that life is unpredictable and it could be necessary to buy vehicles prior to the conclusion in the Chapter 13 repayment plan." You might be able to secure an auto loan however, the options are restricted. How to get a car loan when you are in Chapter 13 bankruptcy If you have the money to buy an automobile, you may buy a car in money without having to apply to the court. But, you might need to modify your bankruptcy plan and consult with your lawyer first. If you require a car loan when you're still in your repayment plan, and prior to the discharge of bankruptcy, you can probably take it. Here are the four steps you need to follow, according to Lins. 1. Create a new budget to show that you have the funds to make the car payment You'll need to demonstrate that you can manage your debt repayment with additional financial commitments and responsibilities , as well as the cost of your car. "If the car purchase going to impact other aspects of your repayment plan, you should work with your lawyer to come up with a new proposed arrangement for repayment," advises Lins. 2. Find the lender who can work with Chapter 13 bankruptcies There are only a few car dealers and lenders who will work with those in an active bankruptcy, but there are certainly some who will, according to Lins. "Your bankruptcy lawyer may be able to give you an inventory of dealers and lenders who can work with you, and you should inquire with your local bank or credit union." Also, since your credit score will be impacted by bankruptcy, expect more expensive interest rates, higher fees and less favorable terms. It is also necessary to locate an agent who can work with you to get the vehicle financing. Even though your options are slim Do your research and compare rates and terms with a few different lenders. The offer must be submitted, including the purchase price, monthly installment and interest rate in writing to provide an application to the judge, according to Lins. "Keep the purchase price as low as possible and wait to exit bankruptcy and repair your credit before purchasing a more expensive vehicle," she says. 3. File a motion with the court to purchase the car In order to take over the car's debt while still paying off your debts, you'll need to file a motion with the court to get it approved. This involves bringing in your request along with a clear argument for why you're required to purchase a vehicle and why you'll have to get financing to do so. Maybe your previous car broke down and the repairs are so costly that it is more sensible to buy a brand new car. You reside in a place in which public transportation isn't readily accessible. This is something your bankruptcy lawyer can help with. 4. When the motion has been approved by the court you are now able to apply for a car loan and get your car. Start paying the loan over with the rest of your obligations. How to obtain an auto loan following Chapter 13 bankruptcy Once you finish your court-ordered debt repayment and you are discharged, you won't have to go through the courts to obtain your approval. And, if you are in a position to, take advantage of your car until you're at least six months post discharge, explains Lins. Enhance your credit score There are many ways to do this get credit, one of which is using secured credit cards. A secured credit card means making a small down payment that acts as collateral. The deposit is then used as the credit line to the credit card you have. "Charging and paying small amounts over time will aid in building a positive credit history," says Lins. It is also possible to look into companies that can report rent as well as other bills including cell phone and utilities, and streaming services to help you create or maintain an on-time payment history, says Lins. "These services usually charge an affordable fee, however certain are absolutely free," she says. "Using your utility bills and rental payments to establish credit history could be a great way to jump-start the rebuilding process." Check your credit Besides rebuilding your credit, you will need to keep track of it. This will let you know the progress you're making and what kind of improvement are possible. Also, monitoring your credit frequently can help you spot errors that can ding your score down the line. You can order free reports from AnnualCreditReport.com or sign up for a free credit monitoring service. Some credit cards provide a free monthly look at your credit score. Shop around for the right car within your budget. Be sure to choose a car that's within the range of what you can reasonably afford will ensure you stay in good shape with your payment. This in turn can help rebuild your credit and ensure that you are on the right course. Check your monthly expenses to figure out how much of a car loan your budget can allow. As a general rule, car related expenses shouldn't exceed 20 percent of your total monthly budget -- an amount that covers the cost of fuel maintenance, insurance and gas. It is also possible to set a target price for your purchase using data available on websites such as Edmunds and Kelley, which list new and used prices for cars, along with estimates for insurance costs. Consider a down payment. The greater the amount, the less you'll be liable to it in the future. Look at your budget and see how much you can reasonably be able to save every month towards the purchase of a vehicle. The ideal is to save as much money as you can, but it ultimately boils down to your income, expenses and existing obligations. Alternatives to obtaining an auto loan If you're unhappy with the terms and rates offered for the car loan, or are having trouble getting approved altogether look into other options. Looking for a cheaper car. Even if your interest rate is very high, your total cost of payments and how much you have to pay monthly is less expensive. You can finance it later once your credit score has improved. When you have rebuilt your credit, you'll most likely be eligible for a larger range of car loans with lower interest rates, charges and better conditions. Pay in cash entirely. Saving money and paying directly for your car means you won't have to apply for a car loan for any reason, which will save you in interest costs. If you require an automobile sooner rather that later could require an . The bottom line Getting the car loan through Chapter 13 bankruptcy is possible. Find a lender who is willing to work on Chapter 13 bankruptcies and create a reasonable budget that allows you to pay off debt while also paying for the car loan. It's also important to search around for the right car to fit your budget. Once you've been released of bankruptcy, finance options exist. However, the first step is to repair your credit score by establishing the habit of making payments punctually. "It's an old adage, however, time does heal all wounds, even wounds that affect your credit scores," says Lins. Find out more

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Written by Contributing writer Jackie Lam is a contributing writer for Bankrate. Jackie writes about auto loans. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers gain confidence to manage their finances with concise, well-studied and well-researched content that breaks down otherwise complex subjects into bite-sized pieces.

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что такое полипропилен

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упакованный цемент может быть передан в разные области или в разные сезоны Полем Внешний слой необходимого не трогать приспособлением в погоду. Полипропилен - это защита от атмосферных воздействий пластика. Таким образом, это подходит для полипропилена продукта в качестве продукта упаковки, поскольку он легкий вес. Это свойство PP позволяет справляться с.

для потребителей онлайн -потребителям трудно распознать различия между тем, что рекламируется как мешки для виолончели и мешки из полипропилена. Основное отличие состоит в том, что мешки для виолончели изготовлены из двухходового полипропилена с задним соединением и ряда тех же самых верхних качеств, что и настоящие мешки целлофана, но они намного более экономичны.

Наши жесткие тканые полипропиленовые пакеты превосходны для использования в качестве мешка с песком в затопленных областях, а также достаточно прочные для краткосрочной стены, бермы, траншеи, а также строительства дамбы.

Business Supply Co. является важным представителем тканых полипропиленовых мешков. Наш тканый полипропилен обычно используется в упаковке продуктов, текстиле, контроле эрозии, плотинах, контроле наводнения, а также в строительных и строительных секторах. Одно из самых типичных использования для тканого полипропилена остается в строительстве мешка с песком. Мы гордимся тем, что были значительным носителем тканых полипропиленовых мешков с песком на протяжении наводнений Де -Мойна в 1993, 2008 и 2010 годах.

.

Тканые полипропиленовые мешки

Другими словами, полипропиленовые мешки могут быть повторно использованы из -за того, что они не терпят ущерб от повторного использования. С другой стороны, полиэтилен, а также другие одноразовые пластиковые пакеты начинают расширяться, деформация, а также расщепляются при использовании много раз. Наряду с превосходной прочностью, полипропилен имеет низкую толщину, что делает его очень легким и обеспечивая материал высокое отношение к весу к весу.

В своем типичном состоянии полипропилен является полупрозрачным, что позволяет некоторому свету пройти через; Тем не менее, сумки могут быть изменены, чтобы достичь полной открытости. Различные пигменты можно дополнительно использовать для достижения большого ассортимента различных оттенков сумки, а также логотипы, а также различные другие стили могут быть напечатаны на сумках.

(image: https://bk-bags.com/wp-content/uploads/2019/11/IMG_5139.jpg)

хлопковые нити сумасшедшие, такие как подушки, сплетены друг с другом. (image: https://i.ytimg.com/vi/VXxdw2XPNPE/hq720.jpg) «Не тщательный» в названии предполагает, что пластик вместе. Один из способов сделать это - растопить пластик, чтобы он образовался вместе. Подумайте о том, чтобы взять несколько вкусных шоколадных чипсов и таять их прямо в бар. REMOTE_ADDR = 134.249.179.19

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Чтобы узнать больше о преимуществах, которые настройка может предложить вашему бизнесу, действительно чувствует себя бесплатно для достижения Aplastic, Bag. com сегодня, чтобы прочитать больше или приобрести цитату продаж сегодня. Ваш ресурс для полипропиленовых пакетов с высокой прозрачностью, а также пластиковых пакетов.

полипропиленовые мешки - связанные сумки, мешки, изготовленные с полипропиленом, особенно хорошо подходят для применений, нуждающихся в повторном использовании мешков. В качестве примера многочисленные повторные покупки сделаны из полипропилена. Способность повторного использования достигается из -за выдающейся прочности этих мешков, а также эта прочность является результатом различной химии полипропилена.

Тканые полипропиленовые мешки

Полипропилен дополнительно устойчив к усталости, что указывает на то, что материал может выдерживать повторную нагрузку. Проще говоря, полипропиленовые мешки могут быть переработаны из -за того, что они не терпят ущерб от повторного использования. С другой стороны, полиэтилен, а также различные другие одноразовые пластиковые пакеты начинают растягиваться, недостатки, а также расщепляться, когда используются много раз.

визуальные жилые или коммерческие свойства полипропилена также могут быть изменены для настройки внешнего вида и прозрачности сумки. В своем нормальном состоянии полипропилен ясен, что позволяет некоторому свету пройти; Тем не менее, сумки могут быть настроены для достижения полной открытости. Различные пигменты также могут быть использованы для достижения значительного разнообразия различных оттенков сумки, а дизайн логотипов, а также другие дизайны могут быть напечатаны на сумках.

(image: https://i.ytimg.com/vi/Hgvmst-H0Eg/hqdefault.jpg)

Далее вот общий обзор для тканых полипропиленовых мешков с видимости ведущего производителя и поставщика из Китая. Мы хотим помочь тем, кто интересуется этой вещью. Это долгий затрат на статью на несколько часов тяжелой работы. Если вам это нравится, добро пожаловать, поделиться или прокомментировать. (image: https://i.ytimg.com/vi/LqSzP1Ct73k/hqdefault.jpg)

Другие источники о

https: //commoncause.optiontradingspeak.com/index.php/community/profile/jeniferi1283112/ плетена пластическая промышленность; Процесс плетения нити из пластика прямо в поле зрения, он должен исходить от рынка ткани. Следовательно, это и пластиковые, и текстильные рынки супружеские отношения тела. Плетеное текстильное полотенце обычно слезы по краям, если для противодействия им не используются методы, такие как использование ножниц или подхморт.

Why you should get your car loan at a credit union Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial choices by providing you with interactive financial calculators and tools as well as publishing impartial and original content. This allows users to conduct research and compare data for free - so that you can make financial decisions with confidence. Bankrate has agreements with issuers such as, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The products that appear on this site are from companies that pay us. This compensation may impact how and when products are featured on this site, including for instance, the order in which they may appear within the listing categories and other categories, unless prohibited by law. This applies to our mortgage home equity, mortgage and other home loan products. But this compensation does not influence the content we publish or the reviews that appear on this website. We do not include the entire universe of businesses or financial offers that may be available to you. Emma Turner/Shutterstock.com

5 minutes read Read March 02, 2023

Writer: Meaghan Hunt. Written by Personal financial contributor Meaghan Hunt, a writer, researcher and editor in a variety of disciplines, with a love of personal finance topics. After 10 years of work in libraries for public libraries She now writes, edits, and conducts research as freelancer for full-time. Written by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are passionate about helping readers gain the confidence to control their finances with concise, well-studied information that breaks down otherwise complex topics into manageable bites. The Bankrate guarantee

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We make sure that everything we publish ensures that everything we publish is accurate, objective and reliable. We have loans journalists and editors focus on the points consumers care about the most -- various kinds of loans available as well as the most favorable rates, the best lenders, ways to pay off debt and much more. So you can feel confident when investing your money. Integrity in editing

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There are money-related questions. Bankrate can help. Our experts have helped you understand your money for more than four years. We are constantly striving to provide consumers with the expert advice and tools needed to make it through life's financial journey. Bankrate adheres to a strict code of conduct policy, which means you can be confident that our content is truthful and accurate. Our award-winning editors and reporters produce honest and reliable content that will help you make the best financial decisions. Our content produced by our editorial team is factual, objective, and not influenced by our advertisers. We're honest regarding how we're capable of bringing high-quality content, competitive rates, and helpful tools to you , by describing how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated for the placement of sponsored products and services, or when you click on certain hyperlinks on our site. So, this compensation can impact how, where and when products are listed in the event that they are not permitted by law. This is the case for our loan products, such as mortgages and home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is available in the area you reside in or is within your personal credit score could also affect the way and place products are listed on this site. Although we try to offer a wide range offers, Bankrate does not include specific information on every financial or credit product or service. If you're thinking of buying a new or used car it's a good choice for the loan. More than 4,800 federally insured credit unions within the United States, with over one hundred million members, according to the (NCUA). Banks with national affiliations have more branches, and they are usually more quick to introduce new technologies. Still, consumers keen on saving money owe it themselves to explore the options that credit unions offer. Credit unions usually have more than banks and online lenders They also provide individual service and a host of other benefits. Important takeaways

Credit unions offer more advantages to the borrower than other banks can compete with. Lower interest rates, community presence, and a business that is geared towards the borrower model make credit unions stand out.

6 reasons to apply for a credit union car loan If you're shopping for your next car, take into consideration these six benefits of getting an auto loan from a credit union. 1. Lower interest rates Unlike most financial institutions, credit unions are able to offer lower rates because they're not a profit-making institution. They're also experiencing exponential growth in auto loan originations. "Typically the rate of lending (at the credit unions) is extremely competitive when compared to other lenders under most situations," says Bill Meyer who was a former public relations manager and content manager at CU Direct, which connects credit unions to auto dealers across the nation. In the quarter that ended in 2022, the on the five-year new vehicle loan through a credit union was 4.74 percent according to the NCUA. For banks the rate was 5.53 percent. When you borrow $30,000 to finance an automobile, the credit union saves you $327 on interest over the course of your loan. 2. Community ties, personalized service The procedure for getting a car loan isn't much different between the credit unions and banks. However, if you have a lower credit score it is possible that you will be able to get an auto loan through a credit union versus one with a bank. "Credit unions will likely be more flexible in the underwriting process," says Mike Schenk who is vice president of research and policy analysis for the Credit Union National Association (CUNA) an association for trade. They are more likely also to work with those who are going through a rough patch and need longer to complete a payment. "You have a distinct story and it's much more likely to be heard by the credit union. When you work with big financial institutions they are more likely to have underwriting procedures that are written in stone and carried out in some corporate office a couple of states away. Visit a credit union, and you're more likely to engage in a conversation." 3. A user-friendly loan process Gone are the days when you had visiting a branch to get an auto loan. The majority of credit unions let you apply online, on the phone, or . If you are applying for financing at a dealership, "invariably, the dealer will direct you to credit union financing and the credit union that you can join as a member," Schenk says, "so it's an easy procedure." Still you must do some research before going to the dealership. There are a few dealerships that collaborate with credit unions and if you can join a credit union and get the best deal when dealing directly with your credit union. In addition, you'll receive a favorable loan offer at the time you start buying a car and you will not have to pay dealer markup on your rate. 4. Credit unions also have other advantages. Members, and not shareholders, are the owners of credit unions. Any profits they earn are returned to the members in the form of dividends. Credit unions also can transfer the profits to their customers through more favorable rates for deposits and loan products, including auto loans. Most credit unions also participate in a joint branch and ATM network. Schenk states that CUNA's members are part of an ATM network shared by more than 40,000 ATMs. Credit unions focus on providing education to their members and educating them on how they will be able to receive advice regarding the best options for financial planning for your particular situation. "Credit unions are full-service, offering the same financial products that banks offer. They're just structured differently and that results in significant advantages for members of credit unions," Schenk says. The focus on members could result in a more precise discussion regarding your financial situation prior to when the credit union either approves or declines your loan. Credit unions may be more understanding and flexible than traditional banks in lending decisions. 5. Becoming a member is easy There are those who believe credit unions are available only to people who work for an industry, company or government organization, and that anyone not a part of a group can't join. Meyer says this is no longer the case. "Most credit unions will allow anyone to join." CUNA has credit unions with community charters that permit them to serve larger geographic regions. If you seek the nearest credit union, visit and type in your zip code. "It would be shocking to see a person that didn't have access the credit union," Schenk says. 6. Car loans are a huge part of the work that credit unions perform. Be prepared if an auto dealer refers the customer to a credit union before the bank. Credit unions for used and new cars alike grew year-over-year in 17.9 per cent and 19 in each case, as per 2022 . Credit unions held $166.8 billion worth of loan balances for new cars at the end of the third quarter of 2022, and $305.3 billion of used cars. What is the procedure to apply for an auto credit from a credit union loan? Financing a car through a credit union is the same to other lenders, except the membership requirement. Once you qualify as an enrolled member, you may apply for a car loan via the internet, over the phone or at a branch, depending upon the particular credit union. The majority of credit unions will look over the following information to determine the eligibility requirements to get an auto loan: Your personal information. Your employment and income information. Your employment and income information . The VIN number for your vehicle. (VIN) and the mileage of the car you wish to purchase. You must provide proof of insurance to the credit union as part of the application procedure. Also, while you may be able join and apply for an auto loan the next day, some credit unions require you to wait for a few months or even two before you can apply. What are the main differences between a bank, dealer and credit union auto loan? The main distinction between a bank and credit union auto loan is the terms for financing. Some banks offer discounts particularly if you have a solid relationship, a solid payment history and . Credit unions and banks may offer incentives like autopay discounts if you are an existing customer. Because credit unions are not-for profit organizations and run by members, you are able to enjoy better rates and less charges compared with for-profit banks that have shareholders who own. When you get a car loan and you are approved, the loan originates from a third party financial institution. Dealers receive compensation to match you up with the financing partner of one. Because of this, you may have better options than the interest rate you pay through the dealer versus the interest rates offered by a credit union or bank. In addition, if there's any issue with the finance company they won't be able to help you -- you'll be required to resolve the issue yourself. The bottom line When purchasing a new or used car There are many choices to select from when it comes to financing. If you're a member of an institution like a credit union, then you might benefit from lower interest rates and fees compared to large banks or dealership loans. The application process is identical when you join and the advantages could help you get approved particularly if your credit score isn't the greatest credit score.

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Written by Personal finance contributor Meaghan Hunt is a researcher, writer, and editor across various disciplines who has a passion for personal finance topics. After 10 years of work in public libraries, she is now writing, editing, and researches as freelancer for full-time. Editor: Rhys Subitch Edited and written by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are passionate about helping readers gain the confidence to control their finances with concise, well-studied and well-researched content that break down complex subjects into bite-sized pieces.

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Co-signing or. co-owning a car: What's the difference? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial choices by offering interactive tools and financial calculators as well as publishing objective and original content. This allows you to conduct your own research and compare information for free - so that you can make informed financial decisions. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The offers that appear on this site come from companies that pay us. This compensation may impact how and when products are featured on the site, such as, for example, the sequence in which they be listed within the categories of listing in the event that they are not permitted by law. This applies to our mortgage or home equity products, as well as other home lending products. But this compensation does have no impact on the content we publish or the reviews that you see on this site. We do not include the vast array of companies or financial offers that may be accessible to you. FG Trade/Getty Images

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Written by Bankrate The article was created with the help of automation technology, and then verified and edited by an editor from our editorial team. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since late 2021. They are dedicated to helping their readers to control their finances. They provide clear, well-researched information that is broken down into complex topics into manageable bites. Written by Mark Kantrowitz Reviewed by Nationally acknowledged expert in student financial aid Mark Kantrowitz is an expert on financial aid for students, the FAFSA as well as 529 plans, scholarships tax benefits for education along with student loans. The Bankrate promise

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They ensure that what we write ensures that everything we publish is accurate, objective and reliable. Our loans reporters and editors concentrate on the areas that consumers are concerned about the most -- various types of loans available and the most competitive rates, the most reliable lenders, the best ways to repay debt and much more. So you're able to be confident about making a decision about your investment. Integrity in editing

Bankrate follows a strict , so you can trust that we'll put your needs first. Our award-winning editors and journalists create honest and accurate content to assist you in making the right financial choices. Key Principles We appreciate your trust. Our aim is to provide readers with accurate and unbiased information, and we have established editorial standards to ensure this is the case. Our editors and reporters thoroughly verify the truthfulness of content in order to make sure the information you're reading is accurate. We maintain a firewall between advertisers as well as our editorial staff. Our editorial team does not receive any direct payment by our advertising partners. Editorial Independence Bankrate's editorial staff writes in the name of YOU the reader. Our aim is to offer you the best advice that will assist you in making smart personal finance decisions. We adhere to strict guidelines to ensure that our editorial content isn't influenced by advertisers. Our editorial staff receives no any compensation directly from advertisers and all of our content is checked for accuracy to ensure its truthfulness. So when you read an article or reviewing, you can trust that you're receiving reliable and reliable information. How we make money

You have money questions. Bankrate has the answers. Our experts have been helping you master your money for over four years. We are constantly striving to give consumers the professional guidance and the tools necessary to make it through life's financial journey. Bankrate adheres to strict standards policy, which means you can be confident that our content is truthful and accurate. Our award-winning editors and reporters provide honest and trustworthy content that will help you make the best financial decisions. Our content produced by our editorial staff is factual, objective and is not influenced through our sponsors. We're open regarding how we're able to bring quality content, competitive rates and useful tools to you , by describing how we earn money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or when you click on certain links posted on our site. So, this compensation can impact how, where and in what order items are displayed within the categories of listing and categories, unless it is prohibited by law. We also offer mortgage home equity, mortgage and other home loan products. Other factors, such as our own proprietary website rules and whether a product is available in your region or within your self-selected credit score range can also impact the manner in which products are featured on this site. We strive to provide an array of offers, Bankrate does not include specific information on each credit or financial product or service. Co-signing and co-owning cars are two approaches to applying for a with an additional borrower. In both situations the second borrower must to have a good credit score and earnings to pay for the loan by themselves. Each has advantages and drawbacks, dependent on the kind of thing both parties are seeking. There are differences between co-signing and a co-owning vehicle. A co-signer is an individual who is responsible for repaying the loan but does not own any legal rights to the car. Co-owners share the same rights to it. Co-signing on the purchase of a car loan in the case of an automobile co-signer, they agree to pay the monthly payments if the borrower isn't able to pay these payments. This is a major choice to make and could be . Benefits of co-signing on a car loan Assistance in to qualify: A co-signer is eligible get a car loan which they wouldn't otherwise be qualified for. Build credit If the primary borrower is able to stay on top of payments, the credit score of each primary lender as well as the co-signer could be impacted positively. Reduce cost: If the co-signer has a very good to good credit score, the primary borrower can get a better interest rate and fees. There are risks associated with co-signing for an auto loan the responsibility for payment If the borrower fails to pay on a loan, the co-signer has the responsibility accountable for all loan payments. No legal claim: The co-signer is not in the title of the car and does not have any legal right to the car. Co-owning a car is a legal option. In the case of a car, both the owner as well as the co-owner are listed on the title. The fact that a co-owner is listed doesn't change any fact about the reality that the borrower who is the main one owns the property. Based on the way in which the vehicle is titled and the primary borrower might require approval before they are able to sell the vehicle. Benefits of owning a car with a co-owner Security for the co-owners A co-borrower is protected by the protection that their names are listed on the title. Greater terms: If the two borrowers have good credit scores the primary borrower might be extended more favorable terms than if they applied independently. The risks of co-owning a vehicle equal Rights: Each co-borrower has the same rights to the vehicle as the principal borrower. The co-owner is required to participate in either the sale or transfer of the car. Insurance In the event that the co-owner does not make use of the vehicle it is likely that they need to be covered by the insurance policy. This means higher cost for the two parties involved. The best option is to choose between co-signing or co-owning an automobile The most significant distinction between co-borrowers and co-signers is the amount of money invested of the loan. Co-borrowers have more responsibility and responsibility than co-signers. Co-borrowing is a good option for people with good credit and want equal rights to the car -like a couple that wants to purchase a car together. On the other hand, co-borrowing is for those who wouldn't qualify for the loan even if they needs help qualifying for an amount that is larger or with a low interest. How to prepare to co-sign or co-own a car . To be a co-signer on an loan, you'll need to be able to prove a steady income and meet the requirements for credit scores established by the lender. This is the same for co-ownership, as the credit of both borrowers will be assessed. Even if you meet the requirements, an open discussion should be held between both parties. Co-signing and co-owning both come with substantial credit risk. You must ensure that there is an arrangement in place in case the primary borrower can't pay. The bottom line is that there are a variety of reasons why you might want to co-sign an automobile with a different person. In any event, it is important for both of you to be on the same page about what their relationship is about and what expectations are expected of both of you. Find out more

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The article was written by created using automated technology and was thoroughly checked for accuracy and quality by an editor from our editorial staff. Edited by Rhys Subitch Edited by Auto loans Editor Rhys has been editing and writing for Bankrate since late 2021. They are committed to helping readers gain the confidence to control their finances through providing precise, well-studied details that cut complicated topics into digestible pieces.

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Reviewed by Mark K. Kantrowitz Reviewed by Nationally known experts on student aid Mark Kantrowitz is an expert on student financial aid including the FAFSA as well as scholarships, 529 plans educational tax benefits, as well as student loans.

Nationally acknowledged expert in student financial aid

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A graduate's guide to buying a car Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial decisions by offering you interactive financial calculators and tools as well as publishing high-quality and impartial content. We also allow users to conduct research and compare data for free and help you make sound financial decisions. Bankrate has agreements with issuers, including but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make money The products that appear on this site are from companies who pay us. This compensation can affect the way and where products appear on the site, such as the sequence in which they appear in the listing categories, except where prohibited by law. Our loans, mortgages, and other products for home loans. However, this compensation will affect the content we publish or the reviews that you read on this site. We do not include the entire universe of businesses or financial offers that may be available to you. Kali9/Getty Images

4 min read Published September 16, 2022

Written by Allison Martin Written by Allison Martin's career began more than 10 years ago as a digital content strategist, and she's since published in numerous prestigious financial media outlets, such as The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate from late 2021. They are passionate about helping readers feel confident to take control of their finances by providing concise, well-researched and well-written information that breaks down otherwise complex topics into manageable bites. The Bankrate promise

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At Bankrate we aim to help you make better financial choices. While we adhere to strict editorial integrity ,

This article may include references to products from our partners. Here's how we make money . The Bankrate promise

Founded in 1976, Bankrate has a proven track record of helping people make smart financial choices.

We've maintained our reputation for over four decades by making financial decisions easy to understand

process and giving customers confidence in the decisions they will take next. process and gives people confidence in the next step.

You can rest assured that we'll put your interests first. Our content is authored by and edited by ,

They ensure that what we write is objective, accurate and reliable. Our loans reporters and editors concentrate on the things that consumers are interested about the most -- the different kinds of lending options and the most competitive rates, the most reliable lenders, ways to repay debt, and more -- so you'll be able to feel secure when making your decision to invest your money. Editorial integrity

Bankrate has a strict policy , so you can trust that we put your interests first. Our award-winning editors and reporters produce honest and reliable information to help you make the right financial choices. The key principles We value your trust. Our mission is to offer readers truthful and impartial information, and we have standards for editorial content in place to ensure this happens. Our reporters and editors rigorously check the accuracy of editorial content to ensure the information you're reading is accurate. We have a strict separation with our advertising partners and the editorial team. Our editorial team doesn't receive direct compensation from our advertisers. Editorial Independence Bankrate's editorial team writes on behalf of YOU as the reader. Our goal is to give you the most accurate guidance to make intelligent financial decisions for your personal finances. We adhere to strict guidelines for ensuring that editorial content is not influenced by advertisers. Our editorial team receives no directly from advertisers, and all of our content is checked for accuracy to ensure its truthfulness. Therefore when you read an article or a review you can be sure that you're receiving reliable and dependable information. How we earn money

You have money questions. Bankrate has the answers. Our experts have been helping you manage your finances for over four decades. We continually strive to provide our readers with the professional advice and tools needed to make it through life's financial journey. Bankrate follows a strict policy, which means you can be confident that our information is trustworthy and precise. Our award-winning editors and reporters produce honest and reliable content that will help you make the best financial decisions. Our content produced by our editorial team is objective, factual, and not influenced through our sponsors. We're open about how we are able to bring quality content, competitive rates and useful tools to you , by describing how we earn money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for the placement of sponsored products and services or through you clicking certain links posted on our website. This compensation could impact how, where and when products are displayed within the listing categories, with the exception of those it is prohibited by law in the case of our home equity, mortgage and other products for home loans. Other elements, such as our own website rules and whether the product is available within your region or within your personal credit score could also affect how and when products appear on this website. We strive to provide an array of offers, Bankrate does not include information about each financial or credit item or service. It's your turn to walk across the stage shortly to receive your diploma and now you're ready to journey into the real world. A car purchase could be a part of your plan if you plan to be living in a place that public transportation isn't your most effective method to travel. But before you head to the dealer to pick out the perfect car, you should do some research and obtain preapproved and so that you can make an informed decision. Pick the right car for you post-graduation. The idea of buying your own vehicle is thrilling. However, you must avoid being distracted, or you may choose a car that fits your style yet isn't practical. What's your commute to and from work? If your commute is long it's a good idea limit your searches down to cars with high fuel economy ratings and especially considering how gas prices are trending. At present, it's around $3.70 to the gallon in regular fuel according to AAA which is less than the last month's average of $3.96. However, this is more than the average cost for a gallon that was $3.18 in the same year earlier. Visit the and use its online tool to check the average annual cost of fuel for any vehicle you're considering. The tool lets you narrow down by year, make and model, or view suggestions for the most efficient vehicles. Size and accessories Are compact cars enough or do you require something bigger, like the pickup truck or crossover? What about features -- are certain ones a "must-have" on your list? If you recently landed an employment with a high salary that you will start soon after graduating, you may have access to the latest technologies and features. However, you might be better off with an affordable car the hassles until you get started and become more established in your career. Safety features How safe is the vehicle you're considering? Request a copy of the car's . It contains maintenance records and discloses if the car was involved in any collisions. The is another good resource. You can look up safety ratings and search for recalls by entering the vehicle's make and model or VIN. Decide between new and used There is a lot to love about a new car. It's clean, in great form and smells delicious. However, some are just as reliable. You can also purchase an extended warranty for about $1,500 and have added peace of mind knowing you're protected in the event of a major mechanical malfunction. Consider the following when deciding between a new and used car: New cars come with a manufacturer's warranty. This insurance can save you a significant amount of money if your car is damaged and requires major repairs in the initial few years of ownership. New cars usually have modern technology. But, it is possible to discover a second-hand car that has the features you desire. Certain used cars may have low mileage. This means that if you don't encounter numerous mechanical issues over time. Maintenance costs will likely be lower , and you'll receive a better deal. Some used cars are . They are issued the seal of approval from the manufacturer after having been brought up to a set standard mechanically , and come with a limited factory warranty. Think about the whole price of owning a car. In addition to the monthly payments for fuel, as well as auto insurance premiums and also take into repair and maintenance costs. In 2021, the average cost for repairs, maintenance and tires was around 9.55 centers per mile according to . Still, these costs vary according to the vehicle you own, but you can use the to get an idea of the amount you can expect to be spending over the course of. The cost of annual registration renewals, which generally vary from less than $20 to just over $200 annually, is important to be aware of. Certain states have fees in a lump sum, while others use the age of your car, its fuel efficiency or weight in calculating fees for registration. Explore cars and apply for financing before visiting a dealership. The majority of dealerships offer financing in-house however, it's better to get it prior to shopping for the car. You want to be aware of what you can actually afford and the quotes you get from your bank or credit union will help you decide on the best price for your purchase. Additionally, you'll have more leverage when . The sale won't be contingent upon your ability to secure financing from the dealer, and you'll be able to behave as a cash buyer. Learn the advantages of buying as opposed to. leasing. There's a lot of discussion about which option is better. There are a few advantages of both options to consider lease payments on more recent automobiles are usually cheaper. If you're keen on a specific car that is a bit pricey and you're not sure if you'll be able to afford the monthly payments by leasing. There's a manufacturer's warranty for leases of a brand-new car. It typically provides coverage for up to 36,000 miles, or three years, so you won't be required to spend an enormous amount on repairs should there is a mechanical problem that arises. There are no mileage limits for buying a vehicle. However, if you choose to lease, you will be restricted to between 10,000 to 15,000 miles per year or you could end up paying excessive mileage fees. They can cost you between 10 cents to $25 cents for each mile, or more, subject to the specifics of the lease agreement. The car will be yours once the loan is fully paid. Lease agreements operate differently, but. The lease will require you to return the vehicle to the dealer when the lease is over unless you decide to . The next step is to buy cars in college is one of the most significant purchases you'll make. To ensure that you are getting the best deal make sure you do your homework to find an automobile that is compatible with your lifestyle and your budget. It's equally important to obtain pre-approval for financing prior to going to any dealership. You should also evaluate the advantages of buying versus leasing to decide which option is best. Learn more

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Written by Allison Martin's work began more than 10 years ago as an online content strategist and since then she's been published in a variety of top financial publications which include The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com. Written by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are dedicated to helping readers gain confidence to manage their finances by providing concise, well-studied and well-informed information that breaks down otherwise complex subjects into bite-sized pieces.

Auto loans editor

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