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Just Bein' Mommy

Just Bein' Mommy

Columbus, OH Parenting Blogger

Get that loan and run with it!

June 5, 2018 by Ashley T

Even though I’d love to walk into Len Stoler dealership with a check to pay for a car purchase, not everyone has the ability to do so. For all the rest of us, this means we must get a loan. A car loan consists of the bank paying for the totally amount of the car and you making payments (sometimes including interest) to the bank until the loan is paid in full.

But what goes into getting a car loan?

Here are some things you may want to remember or do before searching for that car you want.

How much can you afford– You may know exactly which car you want… in fact, you may have been dreaming about it for weeks or months before deciding to just head out to get it. However, that doesn’t mean you can afford it. Take the time to research what you can afford instead of falling prey to Tvangssalg.

Know your Credit Rating- Now that you’ve gotten a safe amount in mind, knowing your credit rating is important as well. This effects how much your payments are and whether or not you’d even be approved. Do your research on what you can and can’t do… and maybe get a co-signer if you think you need it.

Shop around for loans before hitting the dealership- Since you know your credit like the back of your hand, sometimes its better to find a loan before heading into the dealership. Having a loan before walking in can help you make the choice. There are various sources from which you can learn more about FHA loans in Kansas from Metropolitan Mortgage Co or other types of loans. Read them up before choosing your desired dealership.

Be ready to hand out other information- The bank doesn’t just want to know your credit score, they’ll need to know your address, phone numbers, social security number, and other items. Have everything ready so you don’t have to go back home to pick something up.

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Hello Loves!

My name is Ashley and I’m a mom of 2 boys (Hayden and Noah), a little girl (Olivia) and a wife to Paul. We live in Columbus OH. I became a work at home mom in May of 2014. Email: ashley@justbeingmommie.com (read more)
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