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                     >>  Car Loans Or Cars For Sale
                     >>  Dealer Leads Sign Up Form
>>  Car Dealer Website Design Packages
>>  Car Dealer Leads Information
                     >>  Why Buy a Car on the Internet
                     >>  Basic Research: Getting Online Reports
                     >>  The First Steps in Buying a Car Online
                     >>  Test Driving on the Internet
                     >>  Finding Financing Online
                     >>  Buying a New Car on the Internet
>>  Trade-Ins: Using the Internet to Sell Your Old Car
>>  Insuring Your Car on the Internet
>>  Online Service Advice for You and Your Car
>>  Finding Replacement Parts on the Internet
>>  Ten Things to Watch Out for When Buying a Car Online
>>  Ten Excellent Tips to Help You Buy a Car Online

Finding Financing Online

If you're a well-prepared car buyer, you can eliminate all the unnecessary extra charges ("underpainting" or whatever else they try to tack on to a car's price); drive down the actual cost as low as possible; and drive up the trade-in price as high as possible. But even with all those accomplishments and all your preparation, you can still get taken for a ride by a dealer if he sells you an expensive financing package.

Securing Your Financing

Most major online auto sites offer financing features. We explore some of them in this chapter, but you also want to take a look at some of the other general automotive e-commerce sites that we mention in this site. As usual, you want to comparison shop. You're buying a car, but in a very real sense, you're also buying a loan. If you think of the process that way, you may take the time to get the best possible rate, which means obtaining quotes from various sources. (Even interest-rate figures, however, are subject to manipulation. See the sidebar "When accountants get inspired" before you proceed any further.)

All the online auto-financing sites we tested put you under no obligation if you request a loan offer. If you don't like what you find out, you can simply decline the offer. If they've sent you a check, you can simply tear it up. Filling out the application forms takes only a few minutes. The sites affirm that the information is secure. (It usually goes out encrypted via SSL, or secure sockets layer — a popular security measure that encrypts data such as Visa card numbers before they are sent over the Internet.)

What's most surprising is the rapid response — you generally receive an e-mail message offering you the loan (or, if the news is bad, refusing to offer you a loan) within a matter of minutes after you submit your request form. The AAA site that we describe in the section, "AAA's 15-Second Loan (Talk about Rapid!)," later in this chapter even states that most of its decisions take only 15 seconds. You can't reserve a library book online faster than that. Typically, the online lender then sends a check to you (as quickly as the next day), and you fill it in for the amount you want to borrow, up to the limit of the loan for which you receive online approval

TIP
Don't neglect to find out what kind of interest rate the auto dealer can offer you if you finance the vehicle through him. Sometimes dealers use low-interest loans as one of their come-ons. Check with your credit union, too, if you belong to one. These nonprofit organizations can often undercut the current loan rates that other lenders offer.

WARNING!
Some lending institutions use the Internet somewhat differently than we describe in the preceding paragraphs: You can fill out the application form online, but you must later follow up with additional forms or even meet with a human representative to complete the loan. We don't describe these hybrid loan processes in this chapter.

According to statistics, the average new car loan is for $17,000, and buyers use it to purchase a $22,000 car. (The average used car costs $10,000.) Consider your loan with care and check out several of the sites that we mention in this chapter or other promising sites that you may locate as you search the Internet.
As you fill out an application for an online loan, you usually need to provide the following several facts:

- How long you've lived at your current address

- How long you've had your current job Your gross income

- Your mortgage or rent payments

- Whether you're requesting the loan by yourself (as an individual) or with someone else (a joint loan)

- The car that you want to buy and how much it's likely to cost

- How much you're likely to get for your trade-in

Remember that these financial institutions make their money by loaning, so they want to offer you a loan. To get a quick, positive answer, however, you generally need a relatively lengthy and relatively strong credit rating.

Fast Financing through eAuto

The eAuto Web site (www.eauto.com/carfinsvc.shtml) offers you financing services (or links to services) that enable you to get your financing in place before you approach the actual purchase. The eAuto site also points out that you get additional benefits if you finance with eAuto online: The rates are low; you make no down payment and pay no fees or closing costs; you get your answer in a few hours and the money, in most cases, the next day; and you can buy from any franchised dealership of your choice.

Go to the eAuto Web site and click the Click here to get a FREE rate and payment quote link. You then go to the CarFinance.com Web site.

Fill in the information that the E-Loan form requests and click the Search button. You then receive a quote of monthly payments that the company bases on several loan periods.

If you scroll down the page, you find a short form that you can fill in to actually apply for a loan through the company. According to eAuto (and for simplicity, we're just referring to eAuto from here on, although the logo switches to E-Loan), the loan form that you fill out is secure and confidential and puts you under no obligation. The site uses SSL (Secure Socket Layer) to keep your credit and other personal information secure.

TECHNICAL STUFF
SSL is an encryption scheme that Netscape (a company that makes Internet software) developed. SSL facilitates sending encrypted (coded) information over the Internet so that no one except those to whom you're addressing it can actually read it. Internet Explorer and Netscape's Communicator both support SSL, which encrypts data by using a private key scheme. If you ever see a URL that begins with https rather than the usual http, that's your cue that the page uses SSL.

Seeing results in 15 minutes

We filled in the eAuto loan application — it's brief and takes only a few minutes. A notice appears on-screen telling you that the company has received your application and that you can see the results by clicking the Status link on the eAuto home page or that you're going to receive a confirmation e-mail soon.

Fifteen minutes later, we received an e-mail message containing the loan approval. (Your experience may, of course, differ.) In the e-mail, the company told us the maximum that it was willing to loan (the amount exceeded our request), the name of a personal loan representative we could e-mail or phone, that the loan approval was valid for two months, how much mileage the car could have (if we chose to buy a used car), and how many years old the car could be. Additional information told us what to do if we decided to wait until later and how to contact them or respond to various situations — such as calculating exact payments, speaking to someone on the phone, and so forth. All in all, it was a very fast and very pleasant way to get auto financing.

TIP
If you're really in a hurry, you can opt for the overnight service. If the company approves your loan, it sends a check draft to you the next business day via Airborne Express. The charge for this rush service is $12.

Exploring other eAuto features

The eAuto Web site isn't just a good place for financing a loan. Go to its home page (at www.eauto.com) and you find a plethora of links leading to various features.

Among the other elements in the eAuto galaxy of car-related information and features that you can access from its home page (in addition to the financing service that we explore in the preceding section) are the following services:

- A car-buying service

- An off-lease (returned after the lease was over) car-buying service

- An auto-insurance service

- A vehicle-history reporting service

- An extended-warranty service

Autoweb's Financing Options

The very popular Autoweb site (www.autoweb.com on the Web) also includes a financing feature. Click the Finance link and you go to the PeopleFirst.com page.

Click the Check our low rates and simple terms link at the bottom of the page.

Click the Apply Online link to view the Basic Requirements, which include:

-You must have an "EXCELLENT and SUBSTANTIAL credit record" (quoted from the site).

- You must reside in a state where the company provides vehicle loans. (Currently, the company provides loans in all states except Hawaii, New Hampshire, and North Dakota. Motorcycle loans aren't available in those three states or in Arkansas, Illinois, Kentucky, Oklahoma, or Wyoming.)

- Your loan must be for an amount between $7,500 and $75,000 (with the exception of required lower limits of $10,000.01 in Arizona and $15,000.01 in New Jersey and Kentucky).

Auto-loan terms can range from 12 to 72 months; motorcycle-loan terms can range from 12 to 60 months. If the company approves your online application (which takes only minutes during business hours), you can use its check to buy a new or used car, light truck, SUV, or motorcycle. You can buy from a new vehicle dealer, an individual person, or another authorized dealer or broker, or you can choose to refinance a current vehicle loan with a different lender.

AAA's 15-Second Loan (Talk about Rapid)

If you're really hot to trot about a car — and want an answer instantly — try the Web site of the AAA (American Automobile Association). This company says that its service is available 24 hours a day and that most loans are "rendered in 15 seconds."

Go to the AAA home page at www.aaa.com and enter your ZIP code and click Go. The AAA divides its site into states, so after you provide your ZIP code and click the Go button.

If you click the Visitors link, you see a page listing the various options available, which can include travel, a travel agency, insurance, financial services, discounts, safety issues, news, and others. Move your mouse pointer over the Financial services link and a pop-up menu appears. Click the Auto loans and leases option.

Click the Click Here portion of the online auto-loan application link.

TIP
A Click here to use a home equity loan to buy a car link also appears on the AAA Financing page. Some people prefer to borrow against their home because they can save money that way. How? Home-mortgage interest payments are one of the few remaining tax deductions available to the average person. (If you consider refinancing your home in this way, however, make sure that you pay close attention to the fees. In some cases, the fees such a loan involve can erase any savings that you get from possibly lower interest rates and the tax deduction. Do the math, or you may take a bath.)

CarPoint by Microsoft

If you visit the CarPoint MSN Web site (at www.carpoint.msn.com/tinance_insurance), you find several interesting financial features. Try clicking the Interest Rates link and then selecting your state from the drop-down list box. (You don't need to click a Go button; as soon as you choose a state, you go to the appropriate Web page.)

The page that appears displays the highest, lowest, and average loan rates for your state (for both new and used cars).

Click the various Local Markets links for the rates in your city, as various lending institutions list them, including any fees, the percentage that you must put as a down payment, and other data.

At the main MSN auto-finance page (at www.carpoint.msn.com/finance_insurance), you also find direct links to such lenders as PeopleFirst Finance and CarFinance.


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NEW YORK CAR SALES AUTOMOTIVE LINK WEB SITES:
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Listed below are our network of online resources for our regional and national car dealer network. This private car sales and auto loan network is over 3,000 dealers strong for the entire nation. Other parts of our proprietary regional car and truck dealer network are smaller or larger depending on that car sales and auto loan region. Regardless of where you may be, we will find the perfect loan and new or used car or truck for sale located within this network.

! Auto Loans
Exclamation auto loans dot com has a private network of over 3000 car dealerships in the US who provide auto loans. Auto loans online have never been easier than with Exclamation auto loans dot com.

! Car Loans
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! Used Cars
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# 1 Auto Loans
# 1 Auto Loans dot com has a private network of over 2000 auto dealerships in the continental US who provide auto loans. Auto loans online have been # 1 Auto Loans dot Com's only business since 1999.

# 1 Car Loans
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# 1 Used Car
Exclamation Used Cars dot com does all the work for you in finding a new or used car online. Don't waste any more time looking at cars that dealers use for lead-in's or autos that might be sold. We will find the perfect vehicle for you at Exclamation Used Cars dot com.

# 1 Used Car Loans
Buying a used car and getting used car loans is job 1 at # 1 Used Car Loans dot com. For years we have been helping car buyers all across the US get the loan that they can afford for the new or used car and truck of their dreams. Let # 1 Used Car Loans dot com help you too.

A Used Car
A used car is the choice for many who are buying a car online. A used car has to be good quality and must have a low interest loan in order for many to qualify for a used car loan. A Used Car Dot Com will help you find that perfect used car.

An Auto Loan
An auto loan is required by over 95% of our online car buying public. At An Auto Loan Dot Com get an auto loan and find the perfect new or used car. No matter what your credit history we can help you to get pre-qualified for a loan you can easily pay for.

Atlanta Car Sales
Atlanta Car Sales is one of our most successful networks of car dealerships. This network is comprised of over 70 new and used car and truck dealers. All of our Atlanta automotive dealers will bend over backwards to get you the car of your dreams and a car loan that you can afford.

Auto Finance
Auto Finance dot com provides car sales & loans to dealerships all across the southwestern United States . This network has over 700 car dealers in the Southwest. Los Angeles , San Diego , San Francisco , Phoenix , Albuquerque , Las Vegas , Reno and other regional markets are served by Auto Finance.

Auto Loans US
Auto Loans US is for US car buyers and car loan applicants only. As the Internet develops we have car loan and finance applicants from all over the world, but we can only service US auto loans and car sales for now. If you are looking for a car for sale or auto loan outside the United States then please add your city name and country to the search.

Auto Sales Training
We have developed the most advanced interactive auto sales training programs for use throughout the world. We are offering auto sales training online and in person within the US , UK (i.e., England , Great Britain or United Kingdom ), Ireland , Scotland , Canada , New Zealand and Australia . Soon we will offer auto sales training in India and other English speaking nations.

Autos For Sale Online
The Autos For Sale Online dot com website was established in early 2004 in order to take some to car sales and car loan burden away from Autos For Sale Online dot com. After 7 years Autos For Sale Online dot com had just become too large to manage properly. As the Autos For Sale dot com Website has grown thousands of cars for sale and car loans have been provided for satisfied customers.

Automotive Sales Training

Automotive Sales Training dot com is your ticket to better auto and truck sales. We have developed a proprietary system to train and track your car sales staff. Auto sales training will help you increase your automotive sales by 100% when properly implemented. Start to increase your auto sales today.

Buy A Used Car
Buy a used car. It sounds simple, but buying a new or used car or truck online is not that simple. If you want to buy a used car online it is important to have an honest car broker. Since 1998 we have been helping people with good credit, bad credit or no credit buy used cars online. Give us the chance to show you how it is done on the Internet.

Buy A Used Car Online
Buy a used car online with Buy A Used Car Online Dot Com. For nearly 6 years now Buy A Used Car Online Dot Com has helped people with all kinds of credit find a great used car from a dealer near them and secure a car loan that they can afford. Our network of used car dealers spans the United States and has the best car loan rates available.

Buying A Car
Buying a car used to mean driving from car dealership to car dealership, kicking the tires, opening the hoods and haggling with the auto dealers credit staff trying to get the best deal. Buying a new or used car or truck at Buying A Car Dot Com is not like that. Just fill out an application and we will find the best new or used car for you and get you pre-qualified for an auto loan that you can afford.

Car For Sale Downey
Car For Sale Downey is that part of our network designed for our network of car dealers in the city of Downey and the surrounding Los Angeles basin. We have nearly 80 dealers in this network. Each of the car dealers is hand picked at Car For Sale Downey Dot Com.

Car Loans Downey
Car Loans Downey dot com is our network exclusively for the city of Downey California and Los Angeles County . This network provides car loans derived from over 60 participating Downey and LA dealers. When you select Car Loans Downey dot com you don't need to worry about past credit problems as long as you have been on the job for at least 6 months.

Car Loans Grand Rapids
Car Loans Grand Rapids dot com is our proprietary network of car dealers located in the greater Grand Rapids , Kalamazoo and Lansing metropolis. This network headed by Burger Chevy offers new and used cars for sale.

Car Loans Los Angeles
Car Loans Los Angeles dot com is independent from car loans Downey, but some car dealers have elected to join both networks to optimize their car sales and auto loan potential. This is Car Loans Los Angeles dot com's 3 rd year online helping people in Los Angeles and Southern California get financed with the best auto loan and find the perfect new or used car or truck.

Car Sales Training
Car Sales Training dot com is one of our regional networks of car sales training. We offer both online car sales training and personal or seminar type training. Our seminars offer car sales training by the nation's foremost car seller, i.e., Bryan McCarte. Give your car dealership the Advantage of online sales training and increase your auto sales and auto loan output by 100%.

Car Salesman Training
Car Salesman Training dot is devoted to boosting the car dealership's car and truck sales. Sales of both new and used cars and trucks are the life blood of any car dealership. We train the car salesman or woman to ethically maximize sales. There are no gimmicks, just solid and honorable sales techniques learned from years of experience in car sales. When you want to increase sales there is no better sales training service than Car Salesman Training dot com.

Cars For Sale Grand Rapids
Once you have secured a pre-approved loan from Car Loans Grand Rapids dot com, come to Cars For Sale Grand Rapids to find the car or truck for sale of your dreams. We do all of the work for you. Just sit back after filling our or convenient online form. We will search all of our network of dealers in the Grand Rapids, Lansing and Kalamazoo area for that perfect vehicle.

Cars For Sale Los Angeles
Once you have secured a pre-approved loan from Car Loans Los Angeles dot com come to Cars For Sale Los Angeles to find the perfect car or truck in the greater Los Angeles area. For 3 years now our network of Los Angeles area car dealers has been finding the perfect car or truck for our clients from amongst its network of over 100 Los Angeles area car dealers. When car dealers shop for your business… you win! © 2002 - 2005.

Cars For Sale Online
Established in 1998 Cars For Sale Online dot com is one of our flagship car sales and auto loan Websites. This network of 3000 + car dealers from all across the nation including Alaska and Hawaii is proud of its flawless record of helping our clients to get a car loan and finding the perfect new or used car. First get pre-qualified for a car loan and then let us find the perfect vehicle for you.

Cars Sales Online
The Car Sales Online dot com website was established in early 2004 in order to take some to car sales and car loan burden away from Cars For Sale Online dot com. After 7 years Cars For Sale Online dot com had just become too large to manage properly. As the Car Sales Online dot com Website has grown thousands of cars for sale and car loans have been provided for satisfied customers.

Chicago Car Sales
Chicago Car Sales is another of our strictly regional networks of car dealers. Chicago is one of our strongest car sales and auto loan markets. Chicago and the surrounding area account for over 100 car dealerships. Chicago Car Sales dot com has been assisting our clients for 4 years now to find the right new or used car and to get the best financing on a Chicago auto loan.

Coche
1 Coche is the # 1 site for our Spanish American Clientele. We have been assisting the Latino community for 4 years now online. @ 1 Coche dot com: Se Habla Español

Detroit Car Sales
The worldwide home of the car, i.e.. Detroit , holds a special place in the network just because it is the home of the automobile. Detroit is the mother of all car sales and car loan cities. There are close to 60 car dealers and automotive dealerships both new and used selling cars and trucks represented by Detroit Car Sales Dot Com.

Find A Used Car
The Car Sales Online dot com website was established in early 2004 in order to take some to car sales and car loan burden away from Cars For Sale Online dot com. After 7 years Cars For Sale Online dot com had just become too large to manage properly. As the Car Sales Online dot com Website has grown thousands of cars for sale and car loans have been provided for satisfied customers.

Find A Used Car Online
Established in 1998 Cars For Sale Online dot com is one of our flagship car sales and auto loan Websites. This network of 3000 + car dealers from all across the nation including Alaska and Hawaii is proud of its flawless record of helping our clients to get a car loan and finding the perfect new or used car. First get pre-qualified for a car loan and then let us find the perfect vehicle for you.

Get A Car Loan
95 % of those buying a car need to get a car loan. This is no different online. Get A Car Loan dot com is dedicated to helping our clients get a car or truck loan for new or used car sales. This service is completely free and requires only a few minutes to fill out our online car loan application. All online applications are completely secure. Many looking for a cal loan want to just use our convenient toll free number.

Houston Car Sales
Houston Car Sales dot com is another of our Southern US regional networks of car dealerships. Houston Car Sales dot com represents over 100 dealers in the south of Texas including Houston . Houston area residents are the most computer and Internet savvy of all the major cities in the US and they account for a great number of online car sales.

Las Vegas Car Sales
Las Vegas Car Sales dot com is another of our Southwestern regional networks of car dealerships. Las Vegas Car Sales dot com represents over 60 dealers in the great state of Nevada including Las Vegas and Reno . Don't gamble on unproven services. Let Las Vegas Car Sales dot com locate your next new or used car or truck.

Los Angeles Used Car
A huge number of used cars and trucks are bought and sold in the Los Angeles basin and county. This network is comprised of many of the largest car dealerships in Southern California . Whatever used car for sale or used car loan you are looking for, Los Angeles Used Car dot com can find it for you.

Miami Car Sales
Miami Car Sales dot com is another of our Southeastern regional networks of car dealerships. We serve our car buying and car loan clients with a network of over 70 car dealers located in and around the greater Miami Florida area. This is a region with many used cars for sale, but we also assist a great number of people looking for new cars in the Miami area. Let Miami Car Sales dot com do the work for you in finding a great new or used car or truck and helping you to get a loan you can afford.

New Jersey Cars Sales
New Jersey Car Sales dot com is another of our Northeastern regional networks of car dealerships. The garden state has some of the most beautiful driving experiences in the US . Weather you are located in Newark, Trenton or anywhere else in New Jersey, let New Jersey Car Sales dot com get you pre-qualified for an auto loan and then find you the perfect new or used car or truck in the state of New Jersey.

San Diego Car Sales
Our primary offices are in San Diego California , so it is only natural that San Diego Car Sales dot com was established as one of our first car sales and auto loan websites. Our entire network of car dealers grew from San Diego across the nation. Our first car sales and auto loan network was established with the San Diego Used Car Network. Find a new or used car or truck for sale in San Diego and across the nation at San Diego Car Sales dot com.

San Diego Used Car
As we grew and our car sales and auto loan business grew we needed a Website that would cater only to our San Diego Dealers, so San Diego Used Car was born. Now we service thousands of clients and over 100 new and used car and truck dealers throughout San Diego County from San Diego Used Car.

San Diego Used Car Network
San Diego Used Car Network dot com was the first part of our regional network. When we started San Diego Car Sales dot com it seemed logical to segregate new car sales from used car sales in the greater San Diego area. Those many years ago we started to get automotive clients looking for cars for sale online and auto loans from all across the country.

San Francisco Car Sales
San Francisco Car Sales dot com is another of our Western regional networks of car dealerships. As Mark Twain said, “The coldest winter I ever spent was summer in San Francisco !” San Francisco area residents more and more use the Internet to research car loans and find new and used cars. San Francisco Car Sales dot com is your premier source for information on San Francisco auto loans and car sales online.

Seattle Car Sales
Seattle Car Sales dot com is another of our Northwestern regional networks of car dealerships. Rain can occur for as many of 300 days per year in Seattle . That is why Internet car sales and auto loans has become so important in the Seattle / Tacoma area. When you need to find a great new or used car and get the best auto loan rate visit us at Seattle Car Sales dot com.

The Used Car Network
Once it became obvious that the San Diego Used Car Network was a national phenomena we began to establish The Used Car Network dot com as our national provider of cars for sale online and auto loans. This private network has grown to over 3000 car dealers nationwide.

Used Cars US
During the last 2 years more and more cars for sale and auto loan request were coming to us from other English speaking countries including Canada, UK, Ireland, India, Nigeria, the Philippines, etc., so we established Used Cars US dot com in order to distinguish US car sales and auto loans from international car sales and auto financing.

Used Car For Sale Downey
Used Car For Sale Downey dot com is part of our Southern California network exclusively for the city of Downey California and Los Angeles County . This network provides used cars for sale and used car loans derived from over 100 participating Downey and LA dealers. When you select Used Car For Sale Downey dot com whatever you past credit you can be sure to find a car you can afford and a car loan that you can pay for.

Used Car LA
People online can be a bit lazy. We found that many Angelinos were using LA to designate Los Angeles car loans and auto sales.

Used Car Loans Los Angeles
Once our clients have been pre-approved for new or used car and truck loans in Los Angeles (LA) they can visit our other car sales network sites including: Los Angeles Used Car dot com, Used Car For Sale Downey dot com, Cars For Sale Los Angeles dot com.

Used Cars Grand Rapids
Used Cars Grand Rapids dot com is our proprietary network of new and used car dealers located in the greater Grand Rapids , Kalamazoo and Lansing metropolis. This Used Cars Grand Rapids dot com network headed by Burger Chevy offers new and used cars for sale. Wherever you are in this area we will find the perfect new or used car or truck and make sure you have the financing to pay for the vehicle.

Vehicles For Sale Online
Vehicles For Sale Online dot com was established to provide our customers with a broad range of choices including SUV's, Recreational vehicles, Classic Cars, Sports Cars, Muscle Cars, etc. Whatever vehicle you are looking for we can help you find it. Contact us at Vehicles For Sale Online dot com and we will do everything possible to locate the vehicle you are looking for.

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Dealership Lead
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Automotive Sales Leads
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Car Dealership Leads
Does you new or used car dealership want internet car and truck sales leads and auto loan leads? Car Sales Leads dot com can get you the car dealership leads you need.


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