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Looking to Lease an Auto or Trade in an Auto Lease? Click Here!
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Buying a used car from a dealer or private party? Secure your auto financing before you shop.
PeopleFirst.com, the nation’s largest online vehicle lender, can provide you with hassle-free auto financing
with rates typically 1-2 percentage points lower than the national bank average. Simply fill out the quick
and easy online application and get a response within 15 minutes during business hours. If approved, you can
start shopping for your used car as soon as tomorrow. Apply Online Today!
Additional Benefits:
Current Rates*:
* Rates subject to change |
CLICK HERE
for
up to $75,000.00 in Fifteen Minutes!
PeopleFirst.com has developed the easiest and best way for consumers to finance new and used
cars at very competitive rates.
Consumers can apply on line and within 15 minutes, PeopleFirst will
contact them with a credit decision.
we can''t guarantee that the
consumer receives a loan.
Consumers can receive a response within 15 minutes during business hours.
All loans are subject to credit approval by PeopleFirst.com.
You can use the Blank Check® for the purchase of any new or used car, truck, sport utility vehicle, minivan or motorcycle from any franchised new car or motorcycle dealership or PeopleFirst.com approved used car dealer or broker in the United States.
Your purchase may include any tax, license, registration, credit insurance, extended warranty (service) contracts, and any other costs or fees normally associated with the purchase of a vehicle.
You can also use the Blank Check® to purchase a used vehicle, including motorcycles, from an individual.
PeopleFirst makes financing simple, easy and offers superior customers service, with
extremely attractive rates.
CLICK HERE
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Free Auto Insurance Comparison Quotes. (This free online quote might save you hundreds of $$$)
Click here to get a free
auto insurance quote.
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get free multiple car price quotes online
to get a free quote on a new or pre-owned vehicle
If you are in the market to buy a new or used car, finance a new or used car, or to apply for an online auto loan, the internet has made it easy for the customer to get free multiple quotes online from multiple sources.
Just fill out a quick form in the comfort of your own home, and within a few hours, or in sometimes even just a few minutes, you will receive offers and quotes from online auto dealers and auto loan companies eager to do business.
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Two Benefits of Buying a Car Online
1. Multiple Quotes from multiple lenders equals lower rates.
2. By dealing online, you Avoid Overzealous Car Salesmen!
Many people consider buying a car from a traditional car dealer to be a stressful and unpleasant experience. It's no wonder when you consider what a truly unpleasant sales presentation most buyers are subjected to at a car dealership. The scripts can involve everything from subtle pressure tactics and psychological warfare to the most blatant out and out BS!
That is the second great benefit of using the web to shop for a new or used car or to get free car loan quotes. You can do so from the comfort and quiet of your own home without a team of car salesmen breathing down your neck!
It's so much easier and pleasant to surf the web and shop for an auto than it is running from car dealer to car dealer or bank to bank and playing head games with car salesmen and loan officers, isn't it time you looked into it?
Autoloanlocator.com - GOOD CREDIT? BAD CREDIT?
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Guide to Used Car Purchases
Six Helpful Tips for Used-Car Buyers
1. Be prepared. Educate yourself fully about the used-car buying process. Buying car, even if is used, is a major investment. Save yourself money and aggravation by taking the time in advaance to fully inform yourself about how to shop for a used car. We strongly suggest that you read a “how to” guide about purchasing a car, such as the material published annually by Consumer Reports. Look for such guides at your local bookstore or public library.There are several sources for used cars. New car dealerships which also sell used cars will tend to have the best quality used cars, although their prices will generally be higher. The history and condition of a car you buy from a dealer which sells only used cars, or from an auction house, may be more uncertain, although the dealer must comply with state laws which give consumers some protection. It is often possible to obtain a good deal by buying from an individual, particularly from the original owner, but you will have little recourse if there is a problem with the car.
2.Carefully determine your needs and budget.
Before you start to shop, think carefully about what you are looking for. How large a car do you need? How old a car, both in years and in mileage are you willing to buy? How important is fuel economy or the car’s appearance? Be honest with yourself about your budget. In adding up the costs, consider not only the purchase price, down payment, and monthly payments, but also insurance costs, parking, and projected repair and maintenance costs. Spend some time shopping around. Only then will you be in a position to make an offer on the car that is really what you want. Don’t be pressured by salespersons who say, “This deal is only good if you take it now.”
3. Make sure the used-car dealer is licensed by the New York City Department of Consumer Affairs.
All used-car dealers in New York City are required to have a valid license from the New York City Department of Consumer Affairs. All auction houses must also have a Consumer Affairs license. The license should be prominently displayed at the dealership. While a license is not a guarantee of the business practices of the dealer or auction house, it will help us assist you with any complaints you may have. Check the dealer’s complaint history and if his/her license is current before making your purchase by calling Consumer Affairs at (212) 487-4444 or (7-) 286-2994
Autoloanlocator.com - GOOD CREDIT? BAD CREDIT?
4. Examine the used car carefully. Have any car you consider purchasing examined by a mechanic or diagnostic center of your choice.
When you inspect a car, look beyond its appearance. Used car dealers are skilled at cleaning and dressing up a car. This is called “detailing.” You should focus on items such as the condition of the engine; signs of excess wear and tear which could indicate that the odometer has been rolled back; uneven wear on tire treads; and evidence that the car has been in an accident. Always test drive the car yourself.
Most important, when you are at the point of deciding to buy a particular vehicle, take it to your mechanic or an independent diagnostic center for a thorough examination. The National Highway Traffic Safety Administration warns consumers never to buy a car without a diagnostic inspection. If a dealer won’t allow an independent inspection, walk away. If you buy a car at an auction house where independent inspections and test drives are not permitted, you are at a big disadvantage.
5. Make sure that the paperwork is right.
Pay attention to the paperwork in a used-car deal. Read all papers. Don’t buy a car “As Is." Don’t let the dealer rush you. Get a receipt for any payments and a completed Bill of Sale upon transfer of the car. Look for the Used Car Buyer Guide (which a dealer must post on every displayed car) that describes your warranty rights. Make certain that the dealer gives you a copy of any warranty. However, be wary of “shared protection warranty plans” which require additional payments. These plans provide limited coverage at a high price.
If you are financing your car, be certain that you know the interest rate, monthly payment, and other terms. Insist on a copy on the spot of anything you sign. Do not sign any papers with blank spaces. Ask the dealer to tell you in writing the car’s mileage, particularly if the odometer only has space for five digits; compare this mileage to the mileage on all the transfer documents. If the dealer doesn’t know the mileage or states that the odometer does not accurately reflect the mileage, then the deal is probably one you should walk away from.
6. Keep records in the event that your used car has mechanical problems, and do not wait to protect your rights.
Keeping records of any problem is essential. In addition to your own notes, keep receipts from repair shops or the dealer’s mechanic. Upon purchase, have a professional diagnostic inspection performed to verify the car’s condition. As soon as a problem develops, return immediately to the dealer for a repair and document your efforts to have repairs done. If you have a basis for filing a complaint against the dealer under the Lemon Law or the dealer’s failure to provide you with a roadworthy car, do not wait to file the complaint. Delay will only make it more unlikely you will obtain a satisfactory resolution.
The Used-Car “Lemon” Law
Used-car buyers in New York State are protected under a “lemon” law requiring dealers to provide written warranties on used cars selling for $1,500 or more with mileage of less than 100,000 miles.
The law covers used-car purchases and leases from New York dealers and auction houses on cars primarily used for personal purposes. It does not apply, however, to used motorcycles, motor homes, off-road vehicles, or used-car purchases from private individuals.
The warranty length a used-car dealer must honor depends on the car’s mileage at time of purchase. It covers the engine, transmission, drive axle, brakes, radiator, steering, and alternator:
Mileage Warranty
(covers whichever is less)0–36,000 90 days or 4,000 miles 36,001–79,999 60 days or 3,000 miles 80,000–100,000 30 days or 1,000 miles If a dealer is unable to repair a defect after three attempts, the consumer has the right to request a refund or replacement. What happens if the dealer refuses to comply? If the dealer belongs to one of the dealer-sponsored arbitration programs (in which the arbitration is nonbinding), the consumer must either go through that program or the N.Y. State Used- Car Lemon Law Arbitration Program (in which the arbitration is binding).
If a consumer participates in a dealer-sponsored arbitration but is still dissatisfied, the consumer may then go to the State Program, or may sue in court. If a dealer is not part of a dealer-sponsored program, the consumer has the option of participating in the state arbitration program, or suing in court.
Autoloanlocator.com - GOOD CREDIT? BAD CREDIT?
Used Cars Must Be Roadworthy
Even when a car is not covered by the Used-Car Lemon Law because the price is under $1,500 or it has 100,000 miles or more, state law still requires used-car dealers to certify that the car was inspected and that it is fit and roadworthy.
A car whose brakes do not work, whose engine fails, or which has a serious similar problem shortly after a purchase, is not in a roadworthy condition. The dealer can be held liable for falsely certifying that the car was roadworthy. A dealer cannot legally sell a car “As Is.”
If you purchase an unroadworthy car from a dealer and the dealer refuses to remedy the problems to your satisfaction, you should immediately file a complaint with the Department of Consumer Affairs and the Department of Motor Vehicles. Include copies of the car’s diagnostic inspection with your complaints.
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