Articles by Sean Patrick on ArticleSnatch.com

Zero-percent Car Financing - Fact or Fiction?

Thu, 29 Nov 2007 00:00:00 -0500

What does zero percent financing really cost? Car dealers have been very successful with their zero percent financing campaigns - so successful that the concept has been repeated in other industries such as electronics, furniture sales and credit card companies. According to CNW Research, only one-third of buyers who apply for zero percent auto financing actually qualify and only 10% of those deals actually close according to the National Automobile Dealers Association. CNW Research goes on to state that many zero percent qualifiers overpay for their cars, since they assume they're getting the best deal available and they fail to negotiate price. Automotive manufacturers use their own financing companies to underwrite these zero percent loans, each of which have their own credit qualifications. Generally speaking an applicant must have close to perfect credit to qualify for zero percent financing. If you have been one of the fortunate ones that didn't get lured in with the 0% financing offers only to get switched to a higher rate because of "blemishes" on your credit and the dealer is now offering you that "free" money, here are some drawbacks you should be aware of before signing that deal. Shorter Loan Terms. **End Summary** Topics: auto finance]]> auto loan refinance]]> auto refinance]]> finance rates]]> bad credit]]> auto credit]]> saving]]>]]> About the Author: ]]> Sean Patrick is an automotive finance specialist with over 5 years experience in the Auto Finance world. Currently he is working with the company Car Loan Today. You may view his web site and tips here: Canadian Bad Credit Car Loans

Get The Car You Want No Matter What Type of Credit You Have

Wed, 28 Nov 2007 00:00:00 -0500

Are you one of the good people who have some credit problem in your past or present? Well here is a lesson for you: Bad credit is more common than you think. There is good news however - More and more lenders are going after the bad credit market causing the interest rates to lower for all consumers. Even if you have had bankruptcy or any bad credit, you can still qualify for an auto loan with very good interest rates. It is now much easier and less embarasing due to the technology known as the Internet. Now you can apply from the comfort of your own home and not have to put up with the stress of walking into a dealership to try and get financing. Here is how the many good people should buy a vehicle with poor or bad credit... Set up special financing before even stepping onto the car lot. You can get "pre-approvals" from many online lenders. This way you know when you walk onto the first car lot exactly how much you can spend, and how much your monthly payments will be! **End Summary** Topics: bad credit auto finance]]> bankruptcy car loans]]> no credit auto finance]]>]]> About the Author: ]]> Sean Patrick is an automotive finance specialist with over 5 years experience in the Auto Finance industry. Currently he assists the company My Car Onlin. You may view this web site for the best in financing and quality cheap vehicles here: My Car Online Ottawa Cars

OMVIC Warns Auto Buyers Tempted By U.S. Pricing

Thu, 15 Nov 2007 00:00:00 -0500

With the Canadian dollar enjoying parity in the United States, many consumers may be tempted to purchase a vehicle from an American dealer. While it is true that some models sold here are priced higher than their American counterparts, consumers should consider the following factors before making a decision: All vehicles imported into Canada must pass federal inspection from the Registrar of Imported Vehicles prior to being registered. Some models may require modification to meet Canadian standards and some models may not be admissible at all. Some manufacturers may not allow American dealers to sell their vehicles to Canadian consumers. Auto manufacturers differ in their policies regarding selling new vehicles outside of national limits. The manufacturers warranty may be compromised or voided if the U.S. vehicle is imported into Canada. Again, every manufacturer differs regarding warranty coverage. In the event the warranty is compromised, the dollars saved during the initial purchase could easily be eroded by repairs required down the road. Ontario's extensive consumer protection legislation covers transactions that occur in Ontario only. Ontarians who shop south of the border are not protected. **End Summary** Topics: importing cars]]> US cars]]> best priced cars]]> ontario used cars]]>]]> About the Author: ]]> Contact this Canadian Dealer that will match all American pricing along with great financing options: Best Priced Quality Cars For more information on this article, please contact: Andrea Korth Business Standards Coordinator Tel: 416-512-3180

The Best Used Car Financing Revealed

Sun, 11 Nov 2007 00:00:00 -0500

In most cases people shopping for used cars do not have the cash to buy a vehicle outright. They usually are in need of a loan for financing a used car. It is important to remember that you not only need to comparison shop on the price of the car but you should do the same when shopping around for used car financing. It could save you a substantial amount of money in the long run. Before accepting an offer for financing a used car, educate yourself on the particulars of vehicle financing. Using online car loan websites to do research is an easy and effective method. They generally have many articles that offer you car finance help. FINANCING A USED CAR THROUGH A DEALER What is the difference between getting used car financing from a dealer as opposed to a bank or finance company? Well, for starters, people find the convenience of shopping for a car loan as well as a vehicle at the same place appealing. The process is usually quicker than applying at a bank for a loan. Dealers are more likely to offer auto finance help for borrowers with poor credit than the banks are. **End Summary** Topics: used car loans]]> best car loan rates]]> car loan options]]> auto finance tips]]>]]> About the Author: ]]> Sean Patrick is an automotive finance specialist with over 5 years experience in the Auto Finance world. Currently he is working with the company Car Loan Today. You may view his web site and tips here: Ontario Cheap Car Loans

Information on Car Loans for Poor Credit

Sun, 11 Nov 2007 00:00:00 -0500

Many borrowers assume that securing an auto loan when you have a bad credit rating is impossible, which is far from truth. Finding an auto loan when you have a bad credit might seem difficult to many, but certainly it's not impossible. In recent years, poor credit auto loan business has flourished like never before. The reason for this is the presence of a large number of borrowers with a bad credit history. There are many lenders who specialize in auto loan programs for individuals with bad credit rating. Generally, there are two types of lenders who offer bad credit auto loans: sub prime lenders and hard money lenders. Bad-credit auto loans carry a higher risk to both types of lenders, so the lenders usually charge a higher rate of interest rate. They assess your credit ratings and accordingly match your requirements with the tailor-made auto loan package. In today's techno savvy world, almost all the lenders facilitate you with online loan application, making the process a lot simpler and faster. The rates of interest on bad credit auto loans are generally on a higher side which makes you pay a very huge amount of interest. **End Summary** Topics: bad credit auto loans]]> no credit car loans]]> bad credit car loans]]> bankruptcy car loans]]> bankruptcy]]>]]> About the Author: ]]> Sean Patrick is an automotive finance specialist with over 5 years experience in the Auto Finance world. Currently he is working with the company Car Loan Today. You may view his web site and tips here: Ontario Car Loan Information

Online Auto Loans - The Easy Way to Apply

Fri, 02 Nov 2007 00:00:00 -0400

The internet is a great place to find the right lender for obtaining a loan. One can apply online by filling out a simple application and submitting it with just a few clicks of the mouse. Online loans, also known as e-loans, are just one more way to make your search for money to finance your purchase easy and convenient. Online loans offer the following advantages: 1)The greatest advantage of online loans is that you can apply for it from almost anywhere as long as you have a computer or a laptop. 2)Online loan application forms are generally simple in their structure and are user friendly. 3)They are secure, have a no obligation feature and are free of charge. 4)Online loan applications are highly confidential. Internet hackers cannot simply enter a website and steal your personal information. Most lenders have extensive privacy policies and go the extra mile to protect your privacy. 5)Most websites provide loan calculators which helps the borrower to determine the amount of loan he or she would be eligible for and the repayment amount. The borrower can apply different criteria to determine suitability. **End Summary** Topics: online car loans]]> online auto credit]]> online bad credit loans]]> auto financing online]]> online cars]]>]]> About the Author: ]]> Sean Patrick is an automotive finance specialist with over 5 years experience in the Auto Finance world. Currently he is working with the company Car Loan Today. You may view his web site and tips here: Ontario Bad Credit Car Loans

Auto Loan Refinancing Benefits

Thu, 11 Oct 2007 00:00:00 -0400

Everyone has heard about refinancing their mortgage, as it is very common amongst people these days. What you may not heard, but you may not have thought about refinancing your car loan when interest rates drop. Refinancing an auto loan can be a good idea for several reasons, and it is easier than refinancing a mortgage. Refinancing could save thousands of dollars over the life of the loan, even if you received a decent rate. Anyone who didn't get a car loan below 3% APR should consider refinancing. More than likely, however, your APR was much higher than that. If you had a few dings on your credit report when you bought a car, the lender may have quoted you 20% to 25% Annual Percentage Rate (APR). Despite what you might think, you aren't stuck at this interest rate. Once you have held the loan for about 6 months and made all payments on time, you will find lenders are now more willing to take a chance on you. You can also change a few of your habits to raise your credit score in that period. **End Summary** Topics: auto finance]]> auto loan refinance]]> auto refinance]]> refinancing fees]]> bad credit]]> auto credit]]> saving]]>]]> About the Author: ]]> Sean Patrick is an automotive finance specialist with over 5 years experience in the Auto Finance world. Currently he is working with the company Car Loan Today. You may the web site with helpful tips here: Auto Finance Resources

Bad Credit Car Loans are Booming

Tue, 09 Oct 2007 00:00:00 -0400

Car loans offer lenders a big ticket item with limited risk. While a lender's risks their entire investment on an unsecured personal loan, a car loan represents less risk since the lender can take possession of the car if the loan is defaulted. Divorce often leads to bankruptcy and will impact on a consumer's credit score long after they have recovered financially. Specialized lenders have recognized that a poor credit score may not reflect on a consumer ability to make payments and have placed less emphasis on credit history and more emphasis on ability to pay. National and regional lenders have emerged to service the very competitive bad credit car loan market referred to as the "Special Finance" or "Sub-prime" market. These lenders have further divided the "Special Finance" market up into different levels of risks to such an extent that there are lender's who has specifically targeted the most credit challenged consumer with the highest risk. The good new is that no matter what your credit circumstances are, there is probably a lender out there for you. **End Summary** Topics: bad credit auto finance]]> bankruptcy car loans]]> no credit auto finance]]>]]> About the Author: ]]> Sean Patrick is considered an expert on special finance with over 15 years experience in the finance industry. To gain more information about bad credit car loans please visit Car Loans for Bad Credit

Belly - The Revolution Rap Hip Hop CD Review

Tue, 31 Jul 2007 00:00:00 -0400

Belly's debut album is "The Revolution" which came out on June 5th of this year. I first heard Belly when picking up tickets to attend a Snoop Dogg concert. The guy I bought the tickets from told me to be ready for a stacked show. He told me this Ottawa native with Palentsine ancestry was as real as they get and to be ready for a great show. As this guy told me, the show was absolutely awesome. I could not believe the power of Belly's voice and how much emotion he drew into his music. I have since purchased the CD and am more than happy with it. This CD is a double album, with includes two disc's titled "The People" & "The System". There are many hard hitting songs on both albums. A few of the track's that stand out for me include: "I Swear" which features the legendary Scarface. This song is about being incarcerated for a crime that they are blamed for and includes much discrimination against them. The next track is titled "Goodbye" featuring a real treat of an artist Monique. **End Summary** Topics: Belly The Revolution]]> Belly Rapper]]> Belly Rap Artist]]> Belly Hip-Hop Artist]]>]]> About the Author: ]]> Sean Peter's is an avid music fan that enjoys all types of music and particularly hip hop artists. To find out more and watch Belly's videos check out: Belly - The Revolution

A Guide to Bad Credit Car Loans

Mon, 23 Jul 2007 00:00:00 -0400

Most people believe that when trying to secure a car loan when you have a bad credit rating is not possible. This is far from the real facts. Obtaining an auto loan when you have a bad credit may seem difficult to most people but this article is here to show you that is in fact a possibility. In the last few years, the bad credit car loan business has grown leaps and bounds. The reasoning behind the sudden climb in the bad credit industry is there is a large number of borrowers that have a bad credit history. Because of this, there are now many financial lending firms who specialize in car loan programs for people with bad credit. Usually there is one of two types of financial lenders who offer bad credit car loans. They are your sub-prime car loan lender and hard money lenders. It should be known that bad credit car loans to carry a higher risk to both these types of financial lenders. In return they usually charge a higher rate of interest on your interest rate. These lenders will assess your credit rating and then match your requirements with tight fitted car loan proposal. **End Summary** Topics: bad credit auto loans]]> no credit car loans]]> bad credit car loans]]> bankruptcy car loans]]> bankruptcy]]>]]> About the Author: ]]> Sean Patrick is an automotive finance specialist with over 5 years experience in the Auto Finance world. Currently he is working with the company Car Loan Today. You may view his web site and tips here: Ontario Bad Credit Car Loans

Online Fashion Stores - 10 Tips For The Online Consumer

Mon, 23 Jul 2007 00:00:00 -0400

Why spend a ton of money on fashion styles when you can save on women's fashion clothing, shoes and accessories? Here are 10 tips as to why online fashion clothing stores will please both you and your wallet. 1. Up To Date Fashion Style: Online fashion web sites seek out the best in trendy styles and comforts. They search for the best in new styles from the coolest in clothing designers who set the trends that are followed throughout the globe by the mass retail giant stores. 2. Top Quality: Online fashion store clothing is built in less volume with the most attention paid to detail, design and quality of workmanship. Online shoppers are delighted by the top quality, trendy designs and cheap prices. 3. Exclusive Styles: Online fashion stores provide clothing, shoes and accessory choices that are not available in your city. You will find great styles allowing your wardrobe to fell special and stand-out when walking the streets and nightlife. 4. Time Saving: Online fashion stores provide you with the styles and choices you need with a click of a button. **End Summary** Topics: wholesale discount fashion]]> wholesale fashion clothing]]> discount women fashions]]>]]> About the Author: ]]> Sean Patrick works for the company Fashion City and has 8 years in the wholesale clothing industry. Fashion City Wholesale that provides Women's Clothing, shoes and accessories at unbeatable prices. Check out the stunning styles and extra savings at Discount Women Fashion

Belly "Pressure" Takes Home Best Rap Video - Meet the New Godfather

Tue, 26 Jun 2007 00:00:00 -0400

With a name like Belly and an album titled The Revolution, it's almost fitting when the rapper says he believes people hunger for an artist like him to revive hip hop. "I think that people need this (album), at this point in hip hop," Belly says. "The state of hip hop, everybody knows that it's in a recession right now." Belly is a 23-year-old rookie rapper from Ottawa whose first album, a sprawling 28-song double disc debuted at the start of the month. It currently sits at No. 6 on the Toronto SoundScan charts behind established heavy hitters like Rihanna, Paul McCartney, Michael Buble, Amy Winehouse and Maroon 5. His first video for the single "Pressure" earned him four nominations at the MuchMusic Video Awards, where he took home "Best Rap Video" ward. Read more: Hip-hop artist Belly, known as CANADA'S GOD FATHER took home a -Best Rap Video- award for the song "Pressure" featuring R&B crooner Ginuwine, during the 2007 MuchMusic Video Awards on Sunday June 17th, 2007. This is such an honor for me, said Belly as he picked up his MMVA trophy. - Hip-hop lives strong tonight! **End Summary** Topics: Belly Pressure]]> Rap Artist]]> Rebellyous]]> Hip Hop Artisit]]> Godfather]]>]]> About the Author: ]]> Sean Peter's is an avid music. Part of this article was taken from: Matthew Chung, Entertainment Reporter for the Toronto Star Belly Pressure Web Site