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Holiday season is here! You may have a long list of errands to run and gifts to shop. Wouldn’t a car be helpful in all this? During holidays, people put car buying on the back burner. But, if you are planning to buy an automobile, there cannot be a better time than now.

WHY TO BUY A CAR NOW?

Loan rates are extremely Low

Car loans are available at throwaway rates. This is ideal for any auto buyer who wants to get the best auto financing deal. It is important to apply for a loan now because the rates may not be low forever. The debt cushion is available till February 7 only. And, the way the things are going, there does not seem to be permanent solution to the debt problem. There are higher chances of investors losing confidence in the U.S. economy. This will push rates higher because investors will start demanding more for their money. So, it is best to avail credit now.

Cars at Great Rates

In the New Year, several car manufacturers introduce new models. To make way for the new ones, auto dealers sell 2012 new cars at reduced prices. This makes buying a brand new car very easy.

It is not a problem if you want a used car. Salesmen working for auto dealers want to clock-in more sales at the end of the year to meet targets. This will ensure that you get a good deal on a pre-owned automobile.

MEASURES TO ENSURE THE PERFECT CAR PURCHASE

Set a Limit

Christmas and holidays turn smart shoppers into impulsive buyers. So, a budget is very important this time of the year. Understand your financial situation and set aside an amount for the car. Do consider the expenses of the pending holiday celebrations. Also, factor in other future costs like college fees, wedding, etc.

Know the Real Score

You may have checked your credit score a few months back. But, you cannot rely on an older credit score. Changes in credit score occur after every credit transaction and payment. So, get your current credit ratings. It will give you an idea of the rates that you will receive.

Check the Car

In a hurry to increase their sales number, salesmen may sell you a lemon. So, choose the car wisely. Don’t forget to take the car for test-drive. If you are going for a used car, look for a clean title. Also, ask your trusted mechanic to take a look at the car.

Apply for a Car Loan

There are several online auto financing companies that ensure easy car loan process. You just have to fill the simple auto loan application form and submit it online. Once you are approved, the company’s representative will contact you.

Remember to check the reputation of the company. You can contact the company and discuss your apprehensions before submitting the loan request.

Check the APR because it is a better platform to compare rates than monthly payments. Don’t choose a car loan with low monthly payments and a longer term. If you choose one, you will have to pay more because large amount of interest will accumulate.

You have to be diligent while buying a car. So, don’t make an impulsive purchase. Use this car financing guide to guide you.

Enjoy your holidays with your new car!