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Archive for the ‘Financing’ Category

Benefits of Automatic Payment on Your Auto Loan

Friday, March 12th, 2010

At WA Auto Credit, we recommend the use of automatic payments when you have an auto loan. Why? It is simple really. Most of our customers either currently have bad credit, or not so long ago, they had bad credit. Either way, why risk having your credit rating go even lower because of a simple [...]

Why do Auto Lenders ask for References?

Monday, February 8th, 2010

Studies have show that the more references that a borrower has, the better credit risk the borrower is. Why? There are actually several reasons, but the most obvious is collect-ability.
Why do references make my loan more collectible?
At the risk of answering a question with a question, what do you think happens when you are late for an [...]

Got a Pre-Approval in the Mail? Read the Fine Print.

Thursday, November 19th, 2009

Sound too good to be true? It should, because it almost always is. Unless you have REALLY good credit, those pre-approvals you get in the mail for auto loans are bogus. There is typically 2x-3x as much text in the disclaimer area of the mailer than there is on the main advertising area.

Vehicle Purchases are Subject to Lender Approval

Friday, October 30th, 2009

Every state has its own laws regarding vehicle purchases. However, one thing remains constant. Any dealer that you might consider buying a car through will have a provision on their purchase order, on their contract, or in an addendum to the contract and purchase order that basically says the purchase is only valid if they [...]

Why Many Auto Dealers Avoid Bad Credit

Tuesday, October 27th, 2009

Anyone that has watched the news knows that hundreds of lenders across the country have been forced to shut down. That is especially true with lenders that deal with sub-prime borrowers.

Changes for Chapter 13 Auto Loans in WA

Thursday, October 1st, 2009

We have been helping people buy vehicles while in a Chapter 13 Bankruptcy for several years now. We have always needed to get a letter that gave the debtor permission to buy a car and incur a new debt. Usually the letter would say something like “Debtor may purchase a vehicle providing that the amount [...]

Can Co-Signing for a Car Loan Ruin My Credit?

Saturday, September 26th, 2009

Yes, Your Credit is at Risk.
If someone asks you to co-sign for them on an auto loan, think long and hard about it. By choosing to be the co-applicant

Landlord Verification for Auto Loans

Wednesday, September 9th, 2009

Let me preface this post by saying that it applies to people getting bad credit auto loans and first time buyer loans only. If you have good credit, lenders do not typically verify info with landlords or mortgage companies before they fund your auto loan.
There, now that that is out of the way…

WA Auto Credit helps with Bad Credit Auto Loans

Tuesday, August 18th, 2009

Stop me if you have heard this before:
Customer calls “bad credit car dealer” to get pre-qualified for an auto loan. “Bad credit car dealer” tells customer they are approved for an auto loan and they need to come in right away before the financing expires. Customer drives to the car dealer, sometimes 4-6 hours away, [...]

Why Credit Bureaus are Wrong

Thursday, August 13th, 2009

Why is my credit still bad?
So you paid all of your collections, your old credit cards that were once charged-off are now paid-off or settled. Why does your credit report still look like you have never paid anyone in your life? The reason is the old creditors do not really care about making sure your [...]

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