This dog was dumped at trash can and is waiting for his Owner to return all night

Are you planning to buy a car for yourself? Is it the first time you are thinking of buying an automobile with a car loan? Are you confused about car financing? Well, all your questions have just one answer - First time auto buyer loans.

These loans are specifically designed for borrowers who have never purchased a car with credit. College students, new graduates, borrowers with no credit/bad credit, etc. can be first time auto buyers. Getting this car loan is very easy if you approach it in a disciplined way. With this article, it will be easier to understand the procedure of securing an auto loan for first time car buyers.

Can You Afford a Car Loan?

This is the most primary yet important question in the car buying process. You must ascertain your budget before going for a car loan. Calculate all your incomes and expenses. Determine an approximate monthly payment that you can afford. If you have a sufficient amount to make regular monthly payments, only then opt for a first time auto buyer loan. Also, choose an inexpensive car if you want lower monthly payments.

Get a Down Payment

Even though, a lender doesn't make down payment compulsory, it is important that you put money down. A down payment will reduce your car loan amount. It will reduce lender's risk which means your approval chances will improve.

It is essential that you make a down payment of at least 10%. However, anything more than 10% is always better.

Collateral Can Cut Your Rates

If you want to lower your interest rates and get guaranteed approval on your first time auto buyer loan, you must get additional collateral. Your car will be used as collateral. But, if you can manage to provide increased security, lender's risk will reduce. You can use your home or another car as collateral.

Search for Lenders

After you are ready with down payment and collateral, it's time to get your car loan. You must not apply with each and every lender in your area. First, do a thorough research. Get a list of lenders and financial institutions that offer auto loans to first time buyers. Also, search for any information regarding promotional offers by lenders and manufacturers. You can take advantage of these incentives and enjoy free car insurance, discounted rates, etc.

You even have the option of online auto loans. When you deal with an online car financing company, make sure that it is reliable. Submit your private and confidential data on those sites that are absolutely safe.

Compare Car Loan Quotes

When you apply with lenders, you will receive several car loan quotes. It is important that you compare them on several factors like interest rates, APR, monthly payments, loan terms, penalties, etc. It is wise to compare them because it helps in choosing the best car loan program.

Getting a first time auto buyer loan can be quite stressful for some. But, now that you have understood every step of the car loan procedure, you will have no difficulty. All the best for your first auto loan!

Start your car loan journey with the best! Apply at and make the process of getting first time auto buyer loans simple and quick. Get ready to enjoy low rates auto loan and instant approval!

This is so very neighbor contacted me this afternoon. This male was sitting by her trash can and wouldn't leave his position.

If you know know this dog was dumped there and is waiting for his Owner to return. I can't take him...I just had to bring a dog home today that I have had in Boarding FOREVER.

Can anyone help this baby..he is located in Orange, Texas.

If you or someone you know is interested in giving this precious pup a forever home, please contact Traci James

STATUS : - read comment for update from crossposter
Want to buy your dream car? Are you afraid of car loan rejection? Are you worried that you will be stuck with high rate auto dealership financing? Well, you can get yourself a pre- approved auto loan and forget worrying about car financing.

A pre approved auto loan is an easier and an excellent way to buy the car. You will not only save money but will also save yourself from dealing with dealership financing. It is possible that dealers who may not offer you lower rates. You certainly don't want to get a raw deal. But with a pre approved automobile loan, you can stay away from higher interest rates and last minute changes in loan terms and conditions.

With a pre qualified car finance, you know the exact amount of money that you can spend. You automatically remain in budget. As you know each and every detail of the car loan, there are no chances of unpleasant surprises in the future.

Pre qualified auto financing is good because it gives you greater negotiation power. The dealer knows that you have ready money and so, he won't have any problem in reducing the car price. Also, you will be able to negotiate better terms and conditions.

How To Get Instant Approval on Pre Approved Auto Loans?

Know Where You Are

Assessing your financial statements should be the first step in getting an auto loan. You must have your current pay stubs with you. It can be used as a proof of your income and employment. Your utility bills can ensure the lender that you have been making regular payments.

Study your credit report. Identify the mistakes and report it to the credit bureaus. Your credit score will improve as soon as wrong entries and unwarranted transactions are removed from your report. Paying off old debts and making regular payments can also help in increasing your credit score.

Shop Around

Once you have all the necessary documents, you can apply for a pre approved car loan. Don't apply with a single lender. Instead, apply with several lenders and then, compare car loan quotes. When you apply at several places, you have the opportunity of choosing the best pre-approved auto loan program.

It is time consuming to visit local lenders and dealers and apply for a pre-qualified car loan. You can make use of the internet and get your free car loan quotes. All your work will be done at the click of mouse and you won't even have to leave your home.

Choosing The Best Pre Approved Auto Loan Quote

When you receive auto loan quotes, compare them and find the best car loan program. Don't choose an auto loan quote because it has the lowest monthly payments. Consider several aspects like interest rates, loan term, APR, car loan conditions, pre-payment penalty, additional fees and charges, etc.

Once you choose a car loan quote, the lender will give you the check. It is generally valid for a limited period such as two or three months.

With a check in hand, you have the freedom to choose your favorite car. Truly, pre approved car loans are a perfect way of avoiding any unpleasant surprises in future. So, don't waste any time and apply for a pre approved auto loan today!

3 Responses to "This dog was dumped at trash can and is waiting for his Owner to return all night"

  1. Poor baby!! I am too far away to help, but I hope someone takes the pup in!!

  2. I am as well, but sending prayers!

  3. More info other than "Orange, Texas" would be nice.


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