Posts Tagged ‘finance’

Oregon Lemon Law – Get Definite Answer to All Your Queries

America is all about speed. Our fast lives and faster cars are a manifestation of our culture. Well, cars have been an important part of this great nation. It is the best way to explore the world-famous cities of America. When it comes to the Beaver State, roads are definitely the most accessible option. Cruising on I-5, you can travel to the state of California. Several State Highways also allow efficient road travel within Oregon.

Many Oregonians have spent their life-savings to get their prefect cars. But, this dream shatters when your car is more in the garage than on the road. Your car dream is brutally mortified when you discover that your car is a lemon.

You can re-live your dream with the help of Oregon Lemon Law which was passed in 1983. This law gives you the right to get a new vehicle or a refund of your car. It has become stronger after the 2009 amendment.

Before you go to the dealer and ask for a refund/replacement, let’s understand the State Lemon Law in detail.

In order to claim under “Lemon Law”, you must fulfill the following four requirements:

1) Your car must be purchased on or after January 1, 1984. Initially the law covered only those vehicles which were purchased in Oregon. However, things have changed now.

2) It doesn’t matter if you are the original owner or a subsequent one, it is important that you purchased the car during express warranty period.

3) Your car must be a “lemon”. The Oregon Lemon Law considers it lemon if your car fulfills any of the below mentioned criteria -

i) The manufacturer, its agents, its authorized dealers were unable to repair the same defect even after three attempts.

ii) The car is being repaired for more than 30 days.

iii) There is a serious non-conformity which can cause death or grave injuries to the passengers.

You must understand that the law will not cover any problem if it’s related to abuse or neglect of the car. You won’t be covered under the law if you carried out some unauthorized alterations.

It is also essential that you notify the problem to the manufacturer within two years or 24,000 miles of purchase (whichever comes first). Before the 2009 amendment, the limit was one year and 12,000 miles.

4) You are obligated to participate in a third-party arbitration program if the manufacturer notifies you about it. The court can award you thrice the amount of damages (not to exceed $ 50,000). This is possible only when the court agrees that the manufacturer acted in bad faith during the arbitration.

If you meet the criteria, you will get a replacement or refund. It will be decided by the manufacturer. The refund will cover the full purchase price including collateral charges such as taxes, registration fees, loan charges, pre-payment penalties and cost of few dealer-installed products. However, he will deduct reasonable allowance for using the car.

How Can You Prove Your Case?

You must have a strong case to fight against the legal team of the manufacturer. Here are few tips to help you with it.

In order to have a fool-proof case, you need to have copies of the following:

i) Repair Invoices and Routine Maintenance Invoices

ii) Purchase Contract

iii) Title

iv) Registration Document

Words Stay For Ever

It is essential that you maintain a logbook. Write down every single detail in it. Along with the repair and maintenance orders, keep a record of letters that you send to the manufacturer or dealer.

Mention every communication with accurate date, time, name and phone number of the person you spoke with.

Note every date and time when the car gave you problem. Also, write the dates when your car wasn’t in a working condition or was in the repair shop. Don’t forget to write the “mileage in” and “mileage out” when you send the car for repair.

The logbook will ensure that you remember everything and will be useful in proving your point to the manufacturer.

Precaution in the Beginning Means a Happy Ending

For New Cars

The State has enacted a strong law to protect your rights but a court case is often time-consuming. So, make sure you don’t buy a lemon.

Whenever you set out to buy a new car, do a thorough research. Read articles on web. Car experts give reviews on all car models. By researching, you will know the pros and cons of the car.

You must also check the auto recall lists. If the vehicle model was recalled for a defect, there is no point in buying it.

For Used Cars

The Oldest Trick in the Book

Odometer tampering continues to be a major problem. The National Highway Traffic Safety Administration website mentions that more than 4,50,000 vehicles are sold each year with odometer rollbacks. It also stated that the false readings cost more than $1 billion dollars annually.

You can avoid the fraud by checking the vehicle’s history. It will give you information about accidents, theft, previous owners, etc.

You must know that a car tire can run approx for 60,000 miles. So if the odometer reads 18,000 miles but the tires seem old and worn out, it’s time to say good bye to that car. Also check the engine and car interiors. Service reminder stickers, warranty cards, etc. will give you an idea about the actual readings.

What Does The Title Say?

According to the 2009 amendment (SB 515), the DMV now requires the manufacturer to add “Lemon Law Buyback” to the title and vehicle record when he repurchases the car. This means you will know if the dealer is trying to sell a lemon.

Avoid Flood-Damaged Cars

Inspect the vehicle for flood damage. Check for dirt and rust in the trunk. Also, a flooded vehicle mostly has moisture in headlight and tail light assembly.

“As Is”

In an “as is” agreement, the dealer doesn’t provide any warranty. All that you have is the manufacturer warranty, only if it hasn’t expired. Buying an “as is” car means the dealer won’t take responsibility if it ceases to work. Avoid such cars.

So, this is how you can save yourself from a lemon. If you have made a mistake of buying a lemon, take help of the Oregon State Lemon Law. If you are going to buy a car, make sure you stay away from the “sour” experience.

Be alert to truly enjoy the “sweetness” of driving your dream car!

When you buy a car, you try hard to save yourself from a “sour” experience. But, it can become “bitter” by highly unaffordable auto loans. Apply online on RapidCarLoans.Net for auto loans in Oregon and avail the most competitive car financing options. Apply and enjoy a “sweet” car buying experience.

Be the first to comment - What do you think?  Posted by oregoncarloans - January 12, 2012 at 7:36 am

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Bad Credit Auto Loans – Go From Rejection to Instant Approval

The economy is facing the worst crises since 1930. Unemployment is close to 10%. People have no money to make payments. This is taking a toll on their credit scores and availing loans is getting very difficult.

But, a car is an absolute necessity. The distance between home and offices is constantly increasing and so is the congestion in public transport. You just cannot work without a car.

Are you finding it tough to avail car loans because of a bad credit score?

Well, you are not the only soul suffering from this problem. Almost every American is going through the same crisis and fighting the very same battle. There are quite a few who have been able to tackle it effectively.

All that matters is how you approach the problem. It’s time to take the bull by its horns. Here are few tips to deal with bad credit score. Follow them and you will soon be driving your very own car.

Determine Your Affordability

Have an idea of future, so you can spend your present accordingly.

Buying a car is a major investment. There are many things in addition to the cost of the car. You will also have to shell out money for finance, taxes and registration fees, car insurance, fuel, and maintenance. So, be wise and don’t spend your entire money on the cost of the car.

Decide how much you can spare for down payment. If you can come up with a higher down payment amount, your probability of getting loans will definitely increase. You will benefit more if you go for a trade-in.

Personal Finances

It is necessary to go through your account books before applying for the loan. Check for any unpaid bills of the last month. Every bill is going to affect your credit score, so pay them at the earliest.

It is also important to have a stable job with a consistent income. This will ensure the lenders of regular monthly payments.

Analyze Your Credit Report

It is necessary that you review your credit report every year. Don’t worry; your score will NOT drop if you run your own credit report. You can get a free report from the website annualcreditreport.com. The website is dependable as it operated by the three major credit reporting agencies – Equifax, Experian and TransUnion. These same companies calculate your credit score.

Check for any discrepancy, fraud or identity theft. Pay attention to unauthorized inquiries. If there are any, notify the credit bureau immediately. When you do so, you should include copies of documents which support your complaint. You must also make sure that you give your complete name and address.

Don’t apply for loans during the investigation, unless absolutely necessary. If you apply for any loan, then write to the lender about your situation and submit the same documents to him.

An Important Tip for Bad Credit Score Holders

You are having a bad FICO score, but your Auto Industry Option Score may be very good. This score gives more importance to loan payment history. If you have a great auto loan payment history, you will have a better chance of getting a lower interest rate. So, ask the lender to consider your Auto Industry Option Score.

Complete a Certified Driver Education

A driver education course makes you ready for driving on the road. It will reduce your chances of getting into accidents. You will be considered a low risk driver and hence, you will get a reduction in your interest rate.

Search for the Right Car

Your right car doesn’t mean the most lavish car. It depends on your needs.

There are quite a few car types available with you like Sedan, SUV, Convertible, Compact, Coupe, Minivan, etc. You can go for an old or a new one. Think logically and then decide. Remember that you have a bad credit score. If you go for an expensive car; you will have to pay even more.

It is advantageous that you go to a dealer at the end of the month. Dealers have to achieve their monthly sales targets, so they may offer you greater discounts.

Co-Signer

It is important to ask someone to be a co-signer for your loan. It will eliminate risks from the lender’s mind. Ask your parents/ friends to co-sign as it is the best option available.

Explore for the Right Lender

Many lenders offer car loans for bad credit borrowers. But to get the best deal, you will have to work harder and smarter. This is possible with a comprehensive research only.

You can cover wide area within less time by using the web. Companies do provide online auto loans. All you need to do is fill a simple online form and hit the submit button. You will get free quotes instantly. Compare them and choose the one that suits your needs.

Just because you avail instant quotes, it doesn’t mean that you apply anywhere and everywhere.

The reason being too many pulls can make your credit look even worse than before.

Consider Car Loan Refinancing

If you think you have got a raw deal, then you can always go for car refinancing. Go for this alternative only when you have improved your credit position. You can substantially lower your interest rates with the help of a refinance loan.

Rome wasn’t built in a day.

Don’t lose your sleep over a bad credit score. Remember everything takes time to improve. Keep working meticulously and you will be able to improve it.

Be in charge of your finances today and ensure a better tomorrow!

Be the first to comment - What do you think?  Posted by badcreditcarloans - December 21, 2011 at 7:33 am

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New Car Auto Loan – How to Finance Your New Car

Having sleepless nights thinking about how to finance your purchase of dream car? Is your dealer giving you very high rates of interest? Do you have low credit scores? Well time to worry is over. You can get a new auto loan without much problem to handle. Follow the simple steps and get your car financed.

Read more...

Be the first to comment - What do you think?  Posted by ezcarfinance - October 18, 2011 at 3:56 am

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Used Car Auto Loans – Alternative Solution

Used car is perhaps one of the best alternatives for someone who has budget constraint and still wishes to own a car. Many teenagers opt for used cars when they are buying for the first time. It is so because they are cheaper than the new cars and fit into their cost range. There are various ways of financing a used car. But one of the best options will be to get a used auto loan.

While making a choice, go through the different used auto loans available. You may find that the easy car loans online serve the best. You can have a varied choice as what to buy. So take your pick on the brand, make, color and features. Once you have decided on what to buy, comes the toughest task assuming that you do not have enough money to bring home your car and you cannot ask your folks and kin for the extra money to finance your car purchase.

Do not lose heart. Have patience and search over the net and you will find numerous options who are ready to offer you with a used auto loan. They can be credit unions, banks, financial institutions and dealers to name a few. Go through the offers they are advertising and choose the one that best suits your needs. Try to find one near to your place or within locality. Buying a used car does not generally involve any down payment but the used auto loans may sometimes involve a higher rate of interest. It all depends on the dealer. However, there are benefits of getting used car loans because the repayment period is not long. This means that you do not have to shell out more than you have anticipated and the loan period comes to an end within a reasonable time.

When you are choosing a used car auto loan program for your used vehicle, make sure that you check whether your car is in good shape or not and gives enough mileage and the parts are working fine because it is an investment you are making even if it is a used car. It is also necessary that you see that the payment to be made every month is into your budget. But do not stop your investigation right here, go ahead and check out the credibility of the both the lender and the dealer you buying from. Sometimes the lenders are not ready to finance cars older than five – six years or tend to ask for higher rates of interest. Whenever you are discussing the terms and conditions of the used auto loan, make sure you have all the clauses covered.

When buying a used car, there are additional expenses waiting for you. So even when you are considering financing your purchase through used car loan, calculate your requirement properly using car loan calculator before applying for a car loan. In this way, you will have adequate resource to cover the insurance, repair and additional cost that you may incur once your car is home.

Be the first to comment - What do you think?  Posted by carloantypes - July 18, 2011 at 11:38 am

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Be the first to comment - What do you think?  Posted by siddharth - February 3, 2010 at 6:47 am

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If you are looking for 7% interest on your invested money for the next 15-30 years then give me a call!!!

I am a real estate broker looking for investors that will let me borrow the money (50K minimum investment).  I get your money to replace my money that I have used to buy and rehab properties for 60 cents on the dollar.  I use your money replace my money so I can use my money on the next buy.  You get 1st mortgage on a property at a 60/40 loan to value.  If I default and miss payments you get a home at 60% of its appraised value.  Here’s the catch, I am not going to default.  I will make that mortgage payments to you every month on the day they are due like clock work.

Thanks

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If you are interested in more info please contact me at 210-573-2538, simplyaboutRE@yahoo.com.

www.sarealestateinvesting.com

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I am a real estate broker looking for investors that will let me borrow the money (50K minimum investment). I get your money to replace my money that I have used to buy and rehab properties for 60 cents on the dollar. I use your money replace my money so I can use my money on the next buy. You get 1st mortgage on a property at a 60/40 loan to value. If I default and miss payments you get a home at 60% of its appraised value. Here’s the catch, I am not going to default. I will make that mortgage payments to you every month on the day they are due like clock work.

Thanks

Tommy Ray, Real Estate Broker, SA Real Estate, USAF Retired

If you are interested in more info please contact me at 210-573-2538, simplyaboutRE@yahoo.com.

www.sarealestateinvesting.com

1 comment - What do you think?  Posted by tom63 - October 11, 2009 at 7:39 am

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2 comments - What do you think?  Posted by ajaysalagare@yahoo.com - August 28, 2009 at 8:54 am

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Be the first to comment - What do you think?  Posted by couponchaser - August 25, 2009 at 7:16 pm

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