How to Find Cheap Air Fares

When deciding where to go on your vacation, one of the main things you must budget for is the cost of  air travel to and from your intended destination. To most major cities in the world you will have a number of different airlines to choose from, but it will take a little research to get the best ticket price so that your holiday money stretches that little bit further.

“No frills” airlines may not offer you a bag of peanuts or complementary meal during your flight, but they do offer the opportunity to save a substantial amount on the seat price when compared with a more up market airline. You should read the small print on all airline information and you need to pay particular attention to the rules and regulations of the budget flight operators as these often have a number of clauses which can cost you more money then you were expecting to pay if you aren’t careful.

One place they earn additional revenue is on excess baggage. A “no frills” airline will often allow only a minimum amount of luggage, and anything above this is charged at a pre-set excess baggage rate. Are there charges for a baby carriage/stroller, a bicycle or skis? What about children? At what age do you need to pay full fare for your kids? If you have a few children who all qualify for adult rate, then it’s possible that a larger commercial airline that offers greatly reduced children’s fares for your kids’ ages may actually work out cheaper.  Another thing to check is if you are allowed to take your own refreshments on the plane with you – if so, then this is another place you can save money, especially on a longer flight. If not, then you need to budget for the expensive airline refreshments.

Unsociable times and out of season travel are two more ways of saving money on your air fares. If you are willing to travel in the middle of the night, or arrive at your destination in the early hours of the morning, you will find that you pay less than if you want to arrive during normal business day hours. In a similar way, midweek travelers will often pay less than weekend ones. Unless your vacation dates are fixed by your employer or the school system, plan your vacation out of the main season. Flights then are less popular and therefore cheaper. You may find you have a greater chance of getting a “free” seat to stretch out on, as well as saving money at your destination as accommodation and even local attractions often cut their prices in an attempt to seduce the off season tourist into visiting them.

Non-Direct Flights. Although direct flights will save you time and energy if your budget is more of a priority, then taking a non-direct flight with a connection from a gateway airport to your final destination could be another way of saving money. Larger airlines will operate cheaper fares to their gateway airport within the country you are going to, but flights direct to smaller cities will be more expensive because they are not as popular and the larger planes need to be able to cover their costs. Booking a double flight so that you have one return flight to your country of destination with a major airline, and then a return flight from there to your intended vacation spot using a local “no frills” type airline could make quite a saving – alternatively, if the distance between the two isn’t so great, consider hiring a car and seeing a little more of the country between the two locations.

Discounts. Some airlines offer air passes, or allow frequent flyer/air mile saver discounts, or even have partnerships offering savings with hotel chains – all of these need to be considered to see which of the options available to you offers the best deal for your air fare. There are savings to be found, it just take a little bit of effort so that you find the best deal available for your situation.

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Disneyland On A Budget

If you are looking for a truly magical family adventure, Disneyland is an excellent choice for a vacation. The Disneyland Resort offers the highest quality of service and just about everything you would need to make your vacation a memorable experience.

Though the Disney experience is wonderful, if you have ever visited the Disneyland Resort you know that it can get very costly, but don’t despair and write off a Disney Vacation as a lost cause. With a little planning, you can make the Disneyland Resort a more affordable vacation for your family.

Lodging

One of the first and most important facts to keep in mind is, if you are on a tight budget, you will not want to book your hotel accommodations at one of the Disneyland Resort Hotels. There is no doubt that staying at one of the Disneyland Hotels add some magic and convenience to your vacations, but remember that you will pay for it. The cost is often at least triple of those using a different hotel or motel.

To conquer the problem of affordable lodging, begin searching online for a hotel that is within your budget. There are many hotels near the Disneyland Resort at a fraction of the cost of one of the resort hotels. These neighboring hotels offer clean and comfortable lodging and many of them also provide a complimentary shuttle service to the resort.

Meals

Once you are at the resort, it will soon become apparent that stretching your vacation budget to accommodate meals may not be so easy. The resorts do not allow outside food and drinks to be brought in, though there is an area just outside of the park to picnic, but it is seldom used. It is much too inconvenient to go out of the park to eat for each meal.

The dilemma of affordable meals can be less of a daunting task if you check the menus of the eating establishments inside the park to locate the most affordable places to eat ahead of time. You will spend much less money this way. You will find that it will be better for your budget to eat breakfast before going into the parks, and on those days when you leave the park early, there are several restaurants that will ease the cost. One alternative is to order pizza to your hotel room. There are a few pizza delivery establishments that will deliver complete meals to your room at a very affordable price.

Another way to beat those expensive prices is to buy bottled water for each person as you enter the park and just keep refilling it through out the day. You will need plenty of liquids and this is a better alternative that spending big bucks on soda.

Resort Tickets

This is one of the more important tips to help you save money. It is much better to buy your tickets separately, outside of a package. The Disney packages do make things much more convenient, but the cost is a great deal higher, Make all your travel and lodging arrangements yourself, and only order your tickets through Disney Travel. You will pay more, even if Disney books you at the same hotel you would have booked yourself.

Another tip that will help you save a lot of money is to know when to go to Disneyland. Low season is the most affordable time to go. Disney usually has deals on their park tickets during low season, and the hotels are not as expensive. Low season ordinarily runs from October through April.

With the proper planning, a vacation to the Disneyland Resort is within reach for most any family, even those families on a tight budget.

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Traveling on a Budget

The misconception with traveling is that you need to have a million dollar bank account in order to do any traveling at all. This could not be further from the truth. Even those people who have very little money in the bank can travel and experience everything they have ever wanted to, as long as they are smart about it. Traveling on a budget is simple and enjoyable if you know what you need to do in order to save money.

If you are looking to fly cheap , then you should fly courier. There are always major air carriers that are looking for people to accompany security-checked parcels and documents. If you are willing to take these parcels and documents with you then you may be able to travel for free or at a much less cost. People worry that this is not legal but not to worry, this form of travel is perfectly legal.

Traveling out of season is a sure way to save money. If you are traveling at a peak vacation time then you will pay almost double or triple the cost of ticket. Also during these times hotels and hostels raise their prices, as they know people are willing to pay them. If you travel out of season airlines are willing to sell you a ticket at a much lesser price and hotels offer great discounts on rooms and package deals. Traveling out of season is a great way to save money. Traveling out of season has added benefits as well – no crowds.

The latest trend in vacation is timeshares. This is where people pay for a house for a period of time. You can purchase a time share and therefore you will have somewhere to stay while on holidays. You can book this timeshare house for an off-peak time and receive it at much less cost then at a peak travel time. Then you don’t have to worry about paying for expensive hotels.

There is a great deal of dispute about whether you should book early or book late. People say that you can save money by waiting and the closer you get the date of travel the more money you can save. This is true with some airlines. Some airlines lower their prices as the travel date approaches. However, there are some that do just the opposite and they raise the prices and if you are not careful you could end up paying more money then intended.

Booking early, say a year in advance has it benefits as well. By booking ahead you may be able to receive great deals on packages and this could save you a great deal of money. When traveling on a budget you should also forgo hotels and consider staying in much cheaper hostels. When staying in a hostel you do take the chance of staying in some really stinky places but there are some hotels that rank the same. You can check online for hostels and most websites will give a ranking on that hostel for things such as cleanliness and comfort and so on.

Planning ahead and doing the research is the only way to save money have a great trip at the same time.

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Travel for Free or Almost Free

Do you realize that is possible to travel anywhere in the world without having to spend one penny of your own money? This is how many people get to travel to exotic locations once, twice or many times a year.

If you have an intimate knowledge of an area and are willing to act as a guide, then you are already halfway to where you want to go. When people travel as a group, the travel agents, airlines and cruise lines offer discounts. The amount of the discount varies according to the size of the group. For example, if you want to organize a group of people to take a cruise and you can get at least 8 staterooms booked, then you can have a stateroom free. Since this is the most expensive part of the trip, you won’t mind paying for the side trips and the entertainment aboard the ship.

There are also many resorts and airlines that provide free flights and accommodations, if you bring a group of people to the resort. These businesses provide this service in order to increase their business. You can get a free all-inclusive vacation, just for organizing the trip.

You are probably wondering how to go about getting this type of travel. Travel agencies, resorts, and airlines – anyone dealing with the travel industry has sales on during the off-season to bring up the amount of traffic that they go through. Look at the deals and contact a travel agency to see the dates for the sales and if there are any restrictions.

Then you can start looking for people who want to take a trip, but don’t want to go alone. Put up signs in places where there are lots of people, such as malls and grocery stores. A notice on the bulletin board of your office building just might give you a list of people who want an exciting vacation. Once you have the details of which people want to travel, then you can contact the travel agent for the total price.

If the cost of your fare is not included with the trip because your group is not large enough, then you can divide the cost by the number of guests so that your fare is covered. This is fine because you are performing a service by organizing the trip and making all the travel and accommodation arrangements, so you could consider this your fee. Collect the money from the group members and have their tickets prepared. Make sure the hotel or resort reservations are made and that the members have all their travel documents in place.

Arrange a meeting before you leave so you can brief the group on what to expect when they arrive and what kind of clothing they should bring. Warn them about any potential dangers and recommend how they should deal with bringing money with them.

Arrange to meet at the airport and help them with checking in. Do the same thing when you land and help them check in at the resort. Then you are free to enjoy for vacation, just as the group members are. More than likely you will meet up during the trip and have a lot of fun times together.

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Understanding Automobile Leases

Automobile leasing has become very popular as a way to get a new car with little down and lower monthly payments than you would have were you to finance the automobile outright. The biggest difference is that when you buy a car outright and finance it, at the end of the finance term, you own the car free and clear. At the end of a lease term, you don’t. However, the lease can be very advantageous, depending on your circumstances.

The idea behind a lease is that you are paying for the car’s use over a specific period of time, based on its value at the end of the lease term. The difference between the original price (new) and the residual value (how much it’s worth when you turn it in) is the main factor in determining the lease payment. As such, automobiles that will carry the best monthly lease payments are those that hold their value over time.

The original price, which in a lease is called the capitalized cost, can be negotiated, just like the price of a car can be negotiated if you buy it outright. Usually, the capitalized cost tends to be lower than the manufacturer’s suggested retail price. When you lease a car, you can also take advantage of all the same discounts and incentives as if you were buying, and these incentives will reduce the capitalized cost–and therefore will reduce your monthly payments. And as most people know, a car loses most of its value during its first year of use–and as a result, shorter-term leases will carry higher monthly payments than a longer-term lease.

If you have some credit problems, leasing may not be a good option. Even though you may be able to get a lease, your interest rates will be higher.

Leasing vs. Buying
One thing to consider when weighing the advantages of leasing versus buying is what you plan to do at the end of the payment term. If you buy a car with conventional financing, after the finance term, you have an asset; when you are leasing, you do not have that asset. However, you have enjoyed lower payments in the interim, and so this may be of greater value to you. At the end of a lease term, you may choose to keep the car and buy it from the leasing company for its residual value. Overall, when figuring the bottom line numbers, if you plan to keep the vehicle, buying is usually cheaper than leasing. For those who prefer to get new cars every few years, leasing is probably the most economical option.

However, there are a few stipulations that could make your lease costly. If you end your lease before the term, you will have to pay some stiff penalties. Also, your lease will probably restrict the number of miles you can drive your car. If you exceed the mileage limit, you will have to pay an excess mileage fee when the lease term is over, and this can be substantial. Also, the car is always expected to be returned in good condition; if it is in poor shape, you will have to pay extra.

Types of Leases
There are two general types of leases. A closed end, or “walk away” lease, is the most common, and this lets you return the car at the end of the lease term with no further obligation. However, this assumes that you have not put more mileage on the car than was granted in the lease term. An open-end lease is used more often for businesses. This type of lease carries a higher mileage allowance, but the company or individual taking out the lease takes on more of the financial risks involved.

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Saving Money while Obtaining a New Auto Loan

Your personal bank verse car dealer financial institutions—which is the best approach when obtaining a loan for the purchase of a new vehicle? Auto dealers are positioned to be a one-stop shop, from search of the vehicle to securing a loan to handing you the keys as you drive off the lot. As easy as it sounds, are you actually spending more money on your new vehicle through this method?

According to one expert, the answer is yes. Auto dealers will always sell you on payments. The higher the payments the client is paying, the more money the dealership stands to make. Dealerships bump up the rate to the consumer on the payment, yet they receive a lower rate from the auto services departments of the different banks with which they work. Again, this is not going to be the best rate for the consumer because they are selling based on the payment, not the loan itself.

Obtaining your loan through your bank in advance of heading to the auto lot will position you as a stronger buyer, because you are negotiating with cash. Since you’ve already secured financing, you walk onto the lot with negotiating power, and this disarms the car dealer in their ability to make more money off your purchase.

There are several key factors to consider in helping you save money while obtaining a new auto loan, which include:

  1. If you are pre-approved, this means you have decided in advance of your first test drive that you can afford the car. You may not have yet picked out the car, but you are already comfortable with the payments you will make and the overall dollar amount of the loan.
  2. In working with your personal banker, you will always be dealing with a live person verse an 800 number and voice-activated system.
  3. If you experience any problems with the loan, you can go directly to your private banker instead of an 800 number, where you will be a number and get lost in the bureaucracy of the financial institution.
  4. Using your own bank will help you gain a better understanding of the loan because the bank will more clearly explain the terms so you know what are committing to. Your personal bank doesn’t just care about payments—their focus is on the loan itself.
  5. In working with a bank in advance of visiting the auto dealer, you will not have the tendency to overspend. You’ve already decided in advance what you will do, so you won’t be likely to get in over your head. Driving off with the affordable Honda Accord verse the less affordable Lincoln Navigator will ease your mind and your pocketbook as you know in advance your payments and insurance costs.

Automobiles depreciate quickly, and the dealer will sell you on the length of the loan in addition to the finance payment to seemingly lower your payments. This means that by the time the car is paid off, your car is worth almost nothing, and may be in a position to either be replaced or in need of major repairs.

Financing before you shop positions you as a strong buyer, places you in the position of negotiating power, and enables you to buy the car you can realistically afford.

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What to do with ‘Ole Bessie – Trading in your Car

What to do With ‘Ole Bessie? Trading in an automobile can be a very emotional experience, particularly if you have had “‘Ole Bessie” for awhile. Owners often place sentimental value on their vehicle that is higher than the vehicle is actually worth, which makes it difficult when it comes to trading it in for a new vehicle.

Here are some tips and advice for trading in your used car:

First, you want to take Bessie for a full checkup. Make sure she’s running well, is clean inside and out, and has no major dents, dings, paint scratches or rust. The better she looks and runs, the higher your potential trade-in value when negotiating with the auto dealer.

Second, review other Bessies that are the same age, make, and model as yours. Comparing the retail vs. wholesale price of other vehicles similar to yours will help you ask for the right amount of money for your vehicle when the time comes.

Next, go online and review the Kelley Blue Book value of your vehicle at www.kbb.com. This is a great, reliable resource to help you understand fully what your vehicle is worth, and will help you walk into the dealership with confidence.

Finally, consider selling Bessie outright or on consignment. The trade-in value of most used vehicles is much less than you could expect compared to if you tried to sell it yourself before going to the dealership. You will likely end up with more cash in your pocket, which will give you a larger down-payment for the new vehicle you intend to buy.

You may even decide to keep Bessie, depending on how much it will cost to ready her for selling. Good, reliable Bessies are difficult to come by, and keeping them is often your best line financial line of defense.

If trading Bessie in is truly your only option, then review your options, make sure your Bessie is in the best shape she can be, and ensure that your trade in is going to net you the best financial results in the purchase of your new vehicle.

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Larger not always Better when Choosing an Auto Dealer

We’ve all seen them — small auto dealers based in an old house with 10-12 cars and trucks sitting in their lot or on the front lawn. While the “smart” buyer may drive past these lots without a second glance, you may be surprised at what treasures you could find in purchasing a vehicle from a smaller auto dealer.

First, there is little to no room for negotiation. This type of dealer has often purchased their vehicles from an auto auction, which means the larger dealer has passed on trying to sell them. The smaller dealer will sell you the vehicle knowing they have to make a certain profit margin on that vehicle based on the cost of the vehicle to the dealer.

While they may have a smaller selection on the lot, they are also privy to additional vehicles they are purchasing in the near future. They may also know of trade-ins that other buyers are using to purchase vehicles from their lot, which they can essentially hold for you while they are finalizing the deal on that vehicle.

Smaller dealers are also more personal in nature, making them easier to work with. They will often give you a fairer deal on your vehicle in terms of trade-in value, and will work with you to ensure you drive away in the vehicle you are interested in.

Another benefit to working with these smaller auto dealers is that if you are not pre-approved to finance a vehicle, they tend to only work with one or two financial institutions, which means their revenue is not necessarily tied in to the financial institution that secures your loan. They do not have an allegiance to the financial institutions, because their main objective is to sell you a vehicle.

Smaller dealerships will also remember you when you come back for repeat business. They may not exercise a huge post-marketing campaign, but when you come back by to look at another car several years later, they will not forget you. Their repeat business is completely based on how well they treat their customers—with respect—integrity—and with high quality vehicles.

The only warning about smaller dealerships that not all of them are high in integrity, and not all of them carry the higher quality used vehicles (this can also be said of larger dealerships). Shop around a little to ensure the smaller dealer that you choose to work with is a good dealer, with good vehicles, and will work to gain your current and repeat business.

Buying a car from a small dealer vs. large dealer can be less intimidating, less frustrating, and often more rewarding due to the overall experience for both the consumer and the auto dealer.

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Reading Between the Lines — What Auto Loan Documents Really Say

You’ve negotiated all that you need to negotiate. The purchase price is right. The trade has been successfully negotiated. All that is left is the loan document itself. Read and sign, and you’re on your way, with keys in hand and the salesperson and finance person beaming as you drive away in your new vehicle. The question is — what did you really sign?

Finance professionals within auto dealerships are well trained to walk you through the paperwork as quickly as possible, allowing for little discussion and few questions. Most finance documents contain much more than just the base price of the car, the trade in value of your car, your down payment, and the interest fee negotiated (in advance) by the bank. The true cost of your car lies between the lines.

For example, many car dealers “offer” etching as part of the new car buying experience. Etching is a vehicle identification system that requires the dealership to “etch” a number on the glass of the window on your new vehicle. If your car is lost or stolen, the etching number can help track the car and identify it more readily than just a license plate or the color and make of the car. However, that little etching can run anywhere from $400-600, depending on the dealer, and it is often hidden in the fine print of the document.

Second, make sure the document reflects the actual down payment you agreed to with the salesperson. Often when the salesperson is trying to make their quota, they will agree to one thing with the car buyer, but tell the finance dealer something completely different. Once you are in the “finance” seat, the finance manager will have the documents ready to review with the down payment as told to them by the salesperson.

Finally, watch the interest rate. Dealers will often throw different low interest rates your way to see which one appears to catch your attention most readily. 0% financing on an auto for a short period of time sounds great on paper, but it also means higher payments for you, which could be financially constraining if you’re not prepared to make the higher payments. Ensure the interest rate and the length of time you will be paying back the loan meet your expectations.

When sitting down to sign the final paperwork, make sure you read it carefully and ask as many questions as you need to feel comfortable about your purchase. Don’t worry if the finance manager doesn’t like to answer your questions—you will save yourself money in the long run by knowing exactly what you are agreeing to buy.

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Obtain a Pre-Approved Car Loan for Ease and Convenience

You will afford yourself a great deal of flexibility and savings by getting pre-approved for a car loan before you shop. Following are but a few of the benefits:

  • Pre-approval puts you in the driver’s seat by eliminating the expense and pressure of dealer financing.
  • You will not have to sacrifice dealer rebates or discounts to get a lower interest rate because your loan is already pre-approved.
  • You will know how much car you qualify before you even visit the dealer.
  • You can avoid having to come up with a large down-payment.

Before you apply for a car loan you must do a little homework:

Know your credit history
As with all loans, rates and terms vary with credit scores. Credit scores range from about 350 to 800. If your score is not above 600, you will probably qualify for a car loan at the least attractive interest rates. Scores of at least 720 qualify for the best rates.

Of course dealer financing is also an option. Obtaining a car loan depends largely on the three C’s:

  • Credit. You must be able to demonstrate a history of responsible credit and financial management. That means paying bills on time, limiting your debt and saving regularly. If you don’t know where you stand, make sure to get a copy of your credit report before you apply for a car loan. Your inquiry will not count, but lender inquiries will. Limit the number of inquiries initiated to protect your credit score.
  • Capacity. You will need to demonstrate that you have sufficient income to repay the loan for which you are seeking approval. Income from employment will be considered here. You may also choose to include secondary forms of income such as child support and alimony payments.
  • Collateral. Lenders are generally more comfortable with highly liquid assets that can be recovered in the event of default. In this instance, your car will serve as collateral.

Most dealerships can provide financing through their own finance departments. You should expect to pay the sticker price plus an additional 7 – 15% according to your credit rating, financial history and ability to repay the loan. Many dealerships offer teaser rates of 0% financing. Only a small handful of buyers are eligible for these rates.

Utilizing dealership financing
Dealer financing often holds appeal because it is easier to qualify for than a bank loan. Make sure you read the fine print carefully. You should know how much you can expect to pay over the life of the loan before you sign on the dotted line.

Some words of warning:

  • Do not allow yourself to be pressured into a hasty decision. Dealers are trained to get as much out of the deal as they can. Take your time and think if you want to keep more money in your pocket.
  • Do not give your social security number until you made a decision. Each credit inquiry may impact your credit score.

Whether you opt for bank or dealer financing you are in control of the loan process. Learn all you can about the interest rates and terms. If a reasonable offer is not available to you, your best decision may be to wait until you have a better credit score or a significant down payment.

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How to Avoid Buying the Wrong Used Car

That car looks great sitting on the lot. You’ve driven by it several times, and you are certain it is calling your name. Is it really a good, dependable car to own? Or is it a lemon that you should avoid? Here are some tips to ensure that your dream car will last much longer than it takes to drive it off the lot:

Find out how old the car is
The car may look good, but if it is too old, it may already have seen its prime, and may not be worth purchasing.

Find out the mileage
The more mileage a car has, the more likely it is to breakdown and cost you more money in repairs later.

Check to see how many owners the car has had
The more owners, the more erratically the car has likely been driven.

Ask to see service records
Once you have a chance to review the service records, you will be able to see how often the oil has been changed, tires balanced and rotated, as well as any leaks or other repairs that might have befallen your beloved vehicle.

Check the car for rust, dents, and scratches
Most used cars are going to have some evidence of their use. Ask the salesperson if the car has been wrecked beyond what is visible.

Take the car to your favorite mechanic
Auto dealers who know you are serious about buying a car will not mind if you take the vehicle to your mechanic for a quick engine check.

Open the hood yourself
Check to see that the cables are in good shape, there are no leaks, the spark plugs are new and functional, and that the oil is clean. These are good signs that the dealership has already prepped the car for sale.

Take the car for a test drive
While out on an open road, press the gas pedal to the floor to check and see if it chokes or lurches at full throttle. If it does, take the car back and have the dealer look at it to ensure there’s nothing seriously wrong with the car.

Test the inside of the car
Make sure the windows roll down properly, the A/C and the heat work (on high), test the stereo to ensure the speakers work well and that the CD/cassette deck work, look for rips/tears in the upholstery, check turn signals, lights, etc.

Test the brakes
While out test driving the car, first, check to ensure no one is behind you, and then take the car to a high rate of speed before popping the brakes. This will help you determine their condition and how well the car handles when hitting the brakes quickly.

Older cars have great qualities, and can be great, reliable transportation for a reasonable price. Take the extra time to ensure that your new “gently used” vehicle is not a lemon, and you will be able to enjoy it for years to come.

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Where to Start when Financing a New Vehicle

Financing a new automobile, but not sure where to start? There are several important factors to consider when financing a new vehicle, but knowing your credit score is critical to understanding how much it could cost you to finance that new car.

Credit Score
Credit scoring is a method by which creditors determine whether or not to grant loans to individuals. Information about your payment history on credit cards, auto loans, house payments, school loans, etc is collected and compared to other individuals with similar credit histories. This information helps creditors determine your likeliness to repay a loan, and enables them to designate a credit score that banks and other financial institutions use when deciding whether or not to issue a loan.

The lower your credit score, the higher your interest rate is likely to be on a new loan. If your score is too low, financial institutions will not loan you money because they may perceive you as too high a credit risk.

There are three major credit reporting agencies that can help you understand your credit rating and how likely it would be that a financial institution would provide you an affordable loan:

Equifax: 800-685-1111
Experian: 888-397-3742
Trans Union: 800-916-8800

While there might be a minimum charge for your report, the cost is worth it for you to know how likely it is for you to be awarded an auto loan. Through creditreport.com, you can purchase all three reports containing your credit score in one location for $25 to ensure the information reported on you is accurate. If not, then you can also clean up your credit reports through phone calls to those financial institutions that have misreported information on you.

If you don’t want to pay for your credit report, there are several free resources through which you can check your credit report (your credit score will still be charged separately ranging in price from $25-30 depending on the resource).

Once you have taken the time to ensure your credit score and rating are strong, you will be in a better position to negotiate a low-interest rate auto loan with either your bank or with a dealer-recommended financial institution.

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