Posts Tagged ‘quick’

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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Used Car Buying Tips for the Buyers of Evergreen State

Washington is wrapped in nature’s beauty. Diverse terrains make it even more stunning. From the rugged-pure beaches, high-rise mountains, desert lands, green forests to active volcanoes, the state has everything. Well, to explore the Evergreen State, you need to have a good transportation facility.

Even though public transportation is available in Washington, remote areas require a car. Washington’s state routes are well-developed and offer great connectivity. And a car will obviously give you the much needed freedom. Imagine you don’t have to leave early to catch the bus, because you have a car. It will take you faster – anywhere and everywhere you want.

Once you decide on buying a car, you will have to think about several things. This article gives you a comprehensive explanation of the many things involved in buying a car.

Money Makes the World Go Round

It may sound cliché to you, but it’s the fact. You need money to buy everything. Although you always have the option of loans, it is better if you have some cash with you.

Car is not an expense, it is an investment. Your car will be with you for more than 3 years. Hence, you must take a well-thought out decision.

Consider several expenses that you will have to incur over the years. It starts with the registration process, taxes, insurance and fuel. Also consider the maintenance of car. I would like to advise that you should go for a car only when you can afford it. There is no point in buying a car which becomes a trouble for you.

Also think of car loans. There are several options for you in the State of Washington. You can visit lenders and dealers or also get online and search for an auto lending company. The best thing about using the web is that you don’t have to get out of your house to avail an auto loan. So, get online and search for your perfect car loan.

Thinking of finance is useful as it will help you to narrow down your list.

Do You Believe In “Old Is Gold”?

A car’s basic work is providing you comfort and quick travel. And, with technological advancement, cars run many more miles than before. So, a pre-owned car can easily work for you. If you don’t consider new car as a status symbol, then a used car is just fine for you.

After you decide on the used car, it’s time to move on to the next set of questions.

What’s The Purpose of Your Car?

Every individual needs a car for different reasons. So, decide why you need it. If you have a large family, a minivan will be useful to you. If your job requires more of off-road driving, then SUV will suit you. If you live in the Olympic Peninsula, then a convertible won’t be of much to you. As the region receives heavy rains, you will need something like SUV to tackle the muddy roads.

Also, make a list of all the car applications that you require in your car. So, if you need power steering, write it. Mention things like good mileage, safety devices, stereo, etc.

What Are The Car Buying Options In Washington?

The State provides you many options to choose your favorite car. You can go to a local dealer and search for the car. You can also go for the private party auto loans option by buying a car from your neighbor or your cousin. Web is the latest addition to the list. Just type – in the car you want and you will get a long list of options to choose from.

The most important thing to keep in mind is that you should and must avoid dealing with a curbstoner. The Washington State Department of Licensing is very active in spreading awareness regarding such dubious individuals. A curbstoner often poses as the owner of the car but actually is an unlicensed dealer. If you buy a car from him, then transferring car title to your name becomes difficult.

Does Choosing A Car Ends The Process?

Well, the answer is no. First of all you must never choose a single car. Have at least 2-3 options with you. Consider these cars on the basis of following factors and choose your perfect car.

Take Precautions Against Lemon

The Washington State lemon law is for new cars, but even pre-owned cars can be covered under it. Confused?

Well, let’s make it clear.

You cannot just call your car lemon and get your money back. It needs to be certified by an arbitrator. Now the arbitration request can be filed by second or subsequent owners if the vehicle was purchased within 2 years of the first delivery (delivery to the original retail consumer) and the car has no more than 24,000 miles on the odometer. The other condition is that a request must be received by the Lemon Law Administration within 30 months of the original retail delivery date.

This means that if your car is older than 2 years or has an odometer reading of more than 24,000 miles, you are not protected by the Washington State Lemon Law.

So, whenever you buy a used car make sure that the vehicle is working fine and it comes with manufacturer’s warranty. If you don’t do so, then settling claims will become a very torturous experience.

What’s The Vehicle’s Story?

Get the Vehicle Identification Number (VIN) of all the cars that you have chosen. Once you put the number in the database, you will get information about the car. It will give you detail of the car’s history – problems, accidents, repairs. Also, call the previous owner and ask him about his experience with the car.

What’s Your Car’s Score (Miles)?

To buy a great car, it is important that you stay away from odometer fraud. Check the condition of pedals and the tires. The original tires generally last for 60,000 miles. So, if you see new tires and a lesser odometer reading, be alert.

Also, check for warranty cards and service reminders to get more idea about the car miles.

Clean Car Emission Requirements

After you choose your favorites, make sure they meet the clean air requirements. If your car is older than 2009, you won’t require to be certified. Also, previously-registered vehicles with more than 7,500 miles won’t require the certificate.

But all other cars which are newer than 2009 and have odometer readings lesser than 7,500 miles are required to fulfill the requirements.

To check whether the car is certified, ask the seller/dealer and also check the VECI label. The Vehicle Emissions Control Information (VECI) label in the engine compartment will help you know whether the vehicle is certified.

Clean and Clear- That’s how The Title Should Be!

The car’s title will establish you as the legal owner of the car. The title should be valid and shouldn’t have any liens against it. If you want to check a car title, you can contact the Washington State Department of Licensing at (360) 902-3770.

Mechanic – Proof

Once you are sure about the car, get it checked from the expert.

Ask your trusted mechanic to do a thorough check. Ask him to tell you clearly about any faults and problems.

As the mechanic approves your choice, you will be assured of your choice.

Do remember the simple adage of our schooldays – Precaution is better than cure. Take proper precautions in buying a car, it is hundred times better than sulking over a bad car decision.

So, don’t forget the tips. Get your own car and explore the beautiful State of Washington!

The single most important problem while buying a car is getting reasonable auto loans in Washington. Well, RapidCarLoans.Net will help you solve this problem. Take advantage of our multiple lending options and get a chance of buying your perfect car. Just one simple online application will make you forget all your car loan blues.

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Be the first to comment - What do you think?  Posted by carbuyingtipswa - November 25, 2011 at 7:34 am

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Is bad credit still a hurdle to your driving dreams?

Thinking of buying a car but your bad credit holds you back from securing especially when you think of financing it. The reasons for having poor credit can be numerous like past bankruptcy or simply default payment on either credit cards or loans. Of course obtaining a new car or used car loans with bad credit is not as easy as securing it with good credit score. Fortunately, now there are ways to increase the chances of not only obtaining car loan, but with affordable rates. Thus for people with poor credit, following the below mentioned strategies can help them assuring car loan approval at lower interest rates while giving them a second chance to improve credit rating for securing finance in future.

>> Maximize Down Payment:

Increasing the size of your down payment can help you gain approval on your car loan with any credit situation as it provide greater equity or security to the lender. Thus the lender is quite assured as half of the payment is made and offer you quick approval. Down payments also help you to reduce the interest rate as the lender is secured with the amount which ultimately reduces your monthly payments and chances of being upside down on car as the principle amount is reduced.

>> Getting Pre Approved:

Pre approved car loans with bad credit gives you negotiating power against the dealer to get lower price on car purchase. As you are pre qualified, it helps you to know exactly how much money you can afford to spend while buying a car, which enables you to be within the budget and allows to focus on getting the best car without worrying about financing.

>> Having a Cosigner:

Applying with a co-signor is an excellent way of getting approved for a car loan with bad credit, zero credit or even with a past bankruptcy. As a co-signer also known as co-debtor is held responsible for the loan if the primary borrower fails to repay and the car’s value is not enough to cover the lender’s financial losses. This reduces the risk of a lender and he can be assured of his payments. So, the lenders take into account a co-signer’s credit score & history and grant you loan only if he qualify. In brief, applying for a car loan with co-signer having good credit history can offer you a guaranteed approval auto loan with better terms.

>> Finding a Sub Prime Lender:

Most banks and finance institutes only lend to people with prime or good Credit. If you have poor credit, bad credit, or very bad credit score, financing your automobile through sub prime lender can be the best source. The probability of approval for finance through sub prime auto lender is high as they specializes in offering finance to people with poor credit. They can offer you much more flexibility in terms and rates compare to the market and reduce inquiries on your credit report. Hence, before buying a car with bad credit you should first check your credit score and if it is poor then find a sub-prime lender.

>> Offering Collateral:

Bad credit borrowers can opt for a car loan in two forms, one is secured and another is unsecured. Through the secured form of bad credit car loan, the borrower can pledge his any asset like home, boat and even his current car with the lender. This offers security to the lender about the repayment of the loan amount and thus you can have the benefit of borrowing as much as you want to the value of the collateral, lower rate of interest and instant approval.

>> Financing without Credit Check:

Many lenders now offer a great platform through no credit check car loans for the car buyers with poor financial background to get their dream car. As no credit check auto loan is provided on the basis of an individual’s income and employment history. So a person with significant income and employment history can obtain finance regardless of the credit issues.

>> Comparing Quotes Online:

Now the borrowers can find affordable deals online as per their requirements by surfing for bad credit vehicle loan online. Whereby, they can compare the loan quotes sent in by the lenders and without roaming around the market. All you need to do it to fill in a online car loan application form and wait for the approval, usually you can expect a response within one or two business days. A significant advantage of applying online is that you can fill from the comfort of your home while saving your time, money and without any hassle.

Bad credit borrowers now can take a relax breath with bad credit or no credit car loan and following above simple footsteps which can lead them to securing a car without any botheration of being rejected or accepting overwhelming rates.

Be the first to comment - What do you think?  Posted by rapidcarloans - July 1, 2010 at 10:33 am

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