Put an End to the Dilemma of buying a Car in Sacramento

The state capital of California, Sacramento, is the sixth largest city of the state. The Time Magazine, named it as America's Most Diverse City. The diversity can be attributed to the gold rush. Since then, the city is a hub for economic and cultural activities. Because of the Mediterranean climate and calm neighborhood, the city is an ideal place for living. 

So in a city like Sacramento, is it really important for a person to buy a new car or should he completely rely on the public transport services? Considering the excellent public transport services, you are bound to get caught up in a dilemma. So, here are some of the reasons for buying a new car rather than depending on the public transport service.

• The Hurdles of Climate

Being situated just 25ft. above sea level, the city offers a Mediterranean climate. It means the summers are hot and dry while winters are cold and damp. The Mediterranean climate is pleasurable but the mercury plummets considerably in winters. Also, it rains heavily in the area which makes travelling with the help of public transport services difficult. 

Sudden changes in the temperatures can be very difficult to adjust, especially when you are a bus or a train. Owning a car can help you in overcoming any hurdle related to the climate.

• It isn't always good to Walk

Walk Score ranked Sacramento as the 24th most walk-able city of the fifty largest American cities. But is it a good idea to walk every time? If you walk down to your office, you’ll be completely drenched in sweat due to humid weather. Also it won't look good if you are late for your date because you were taking a "walk".

Well, when you think practically, walking isn't the wisest option for you. Instead, opt for buying a car because it can help you in going anywhere on time and in style.

• The Crowded Public Transport Services

Sacramento Regional Transit District, which serves the city and suburbs of Sacramento, ranks as the eleventh busiest agency in America. The population of the metropolitan region is also over 2.1 million. Just think of the number of people that will be using the same inland transit modes during the rush hours. 

High population makes buying a new car a good choice. It will ensure a stress-free ride to the office. You can save your precious time and you need not adjust the timings with the public transport services.

• Bicycle isn't an Option

Bicycle is becoming an increasingly popular transportation mode in Sacramento. The climate and the flat terrain ensure a fun ride. Also, the city has a dedicated bicycle path American River Bicycle Trail. Moreover, in September 2006, the League of American Bicyclists designated Sacramento as a Silver Level Bicycle Friendly Community. But does it all help you when you are super late for an important meeting or when you are a pregnant lady? Also, if you are a college student juggling between your college and workplace, a bicycle can become a tiring option for you. So, choose a car because it is a boon for people who want a practical solution for their commuting issues.

• Rent a Car? No!

What if you need to go to another city urgently and you don't have a car? What if it is raining heavily and you need to reach the office for an important meeting? Just rent a car! The solution may look simple in the first place but renting a car has its own disadvantages. 

It takes time to rent a car and you need to plan for it. It becomes difficult to get a car during holidays. And if you return the vehicle late, the fine is also very high in Sacramento. So, a car is a true solution for travelling places. It is because you need not plan ahead or stand in a queue and wait for a car. 

A Money-Saving Option

Owning a car may look like a burden to people. But in a city like Sacramento, you can manage the payment burden easily with the help of a simple solution. Carpool with your colleagues or neighbors and reduce the burden on your pocket. You can save the money spent on cab and use it for monthly payments. It is a simple and practical solution. 

Sacramento is a terrific city which offers you every mode of inland transportation. The public transport services are also excellent. But despite the positive efforts, a new car in Sacramento can help you a lot and provide you a comfortable ride. Therefore, put an end to your dilemma and get ready for buying a car. 

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Should you Consider Buying a Car in NYC?

Buying a car is not a small decision. And, it has even more significance when you live in America’s most populous city. New York City or NYC is a densely populated city of America. And, as a New Yorker, you have to make a well-thought car buying decision so that it doesn’t come back to bite you. 

Is buying a Car a Sensible Decision for a New Yorker? 

If you live in Manhattan, you must have faced severe traffic situations regularly. It must have put a damper on your plans. But, do not get worried about the traffic in the Big Apple. Before making a decision of buying a car in NYC, consider the following things: 

Car = Freedom

There are multiple car rental companies functioning in NYC that provide you with an opportunity of driving a car. You can get in touch with Zipcar, Hertz, Car Rentals, Rental Cars, Kayak, Expedia, etc. to drive a car. 

But, if you travel regularly, buying a car is a good option. It will help you to avoid the trouble of booking a car and paying money to the rental companies. Also, it is convenient to own a car for shopping. If you have your own car, you can run errands quickly. It is helpful especially when you have an infant or an old parent living with you. For example, if you want to take your daughter to the American Girl Café on 5th Avenue, a child-friendly car with proper child-seat is the perfect way to reach the venue safe.

Car = Savings

Booking a rental car or booking a cab will take a considerable amount of time in comparison to driving your car to the venue. It becomes difficult to book a cab or rent a car during weekends. You may not always get a rental car when you want it. And, the weekend rates are high for rental cars. So, if you are driving regularly, it is advisable to buy a car in order to save money and time in the long run. 

Another reason for buying a car in NYC is the cost of public transport in the city. A 30-day Metro Card Fare is $116.50. The average cost of riding the subway reduces if you travel more. But, if your place of work is not near the subway station or the bus stop, public transport can become expensive for you. In such a situation, a car becomes a suitable option for you. 

Car = Weekend Getaways

Tight deadlines and massive traffic are common for every New Yorker. In order to get away from the fast life of NYC, people usually prefer a weekend getaway. Wouldn’t it be fun and relaxing to leave the city in order to enjoy the beauty and calmness of the Hamptons? You can drive your car to the beautiful Mohonk Mountain House or the serene Castle Hotel to rejuvenate. 

If you are someone who considers getaways every weekend, it is best to own a car. It gives you flexibility and ensures that you can explore the nearby areas comfortably. If you book a cab, it is possible that you get stuck in the resort during your stay. But, if you have your own car, you can come and go at your will. Also, if you have friends and relatives in the surrounding states, a car is a worthy investment because of your several visits to them. 

When to buy a Car in NYC? 

Buying a car in NYC makes sense in the following situations: 

>>If your place of work is not situated near a subway station or you are unable to access the bus, then car becomes a convenient option for you.

>>If you have small children, it is sensible to buy a car because it provides safety and comfort to your young ones.

>>If you carpool to work every day, a car becomes an affordable option for you. It is because the cost of gas is divided among several people.

>>If you travel out of the city regularly, a car can be your favorite mode of conveyance.

>>If you do not want to spend money on rental cars, buying a car is an alternative for you. 

The decision of buying a car in NYC should depend on your daily commute and the needs of your family. Before signing the deal, do consider the inconvenience of alternate side parking and parking costs of your area. It is better to consider each and every factor before making a decision. It will ensure that your decision doesn’t cause you remorse in the future. 

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Buying Your Next Car in St. Louis is as same as Planning a Holiday Travel

Think about the procedure of planning a holiday travel. Making a budget, researching for a suitable destination, comparing various places of accommodation and finally purchasing a travel package that fits your budget are the steps that guarantee a successful holiday travel. Now, when you think of it, buying a car is not very different. Equal planning is required for buying a car as well as planning a holiday travel. When considering buying a car in St. Louis, the options are plenty. The city of St. Louis is home to approximately 315, 685 people, making it the 4th largest city in the United States of America. With a population that huge, it becomes easy to choose a car because your options of buying a used car or a new car never wane out.

So how to plan buying your car in St. Louis that can be as simple as planning a Holiday Travel?

1. Research - The Stepping Stone

Always start with research. Preparation is vital for choosing a car that fits your requirements. St. Louis has different cityscapes like the metro area that houses corporations such as Edward Jones, Go Jet and Boeing Defense. Another part of the city is home to fancy restaurants and architectural spots such as the 192 meter tall Gateway Arch. The decision to buy your car will depend on the geographical fit of your car and the part of the city that you live in. So, be it for a suitable destination of a holiday travel or your next car in St. Louis, research becomes imperative.

2. Comparison – Be a Smart Car Buyer

Just like a holiday travel, once you have decided on the budget, the next step is comparing your options. It is always a good idea to get an auto loan before you make an actual purchase of the car. Many dealers in St. Louis offer various auto loans to suit your needs such as bad credit auto loans, no down payment auto loans and guaranteed auto loans. Before making a decision, make sure that you have shopped around and compared all your options. A good credit score, a shorter loan term and a hefty down payment will help you to secure the best auto loan option in St. Louis.

3. Selection - Used Car Vs. New Car

After getting approval for an auto loan, the final step is to select a car. As compared to a hotel accommodation, a used car will be like a 3-star hotel which is easy on the pocket. On the other hand, a new car will be like a 5-star resort which contains upgraded facilities. Whether new or not, there are some rules that you need to adhere to when you buy your car in St. Louis. It includes accurate title transfer, safety inspection and registration of the car at the Missouri Department of Revenue. Once you have selected the car and completed the formalities, your car is ready for you.

Planning a holiday travel and buying a car in St. Louis are analogous. So, before you buy your next car in St. Louis, follow the procedure of research, comparison and selection.

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The ABC’s of a Bad Credit Auto Loan: 3 Tips for getting Loan Approval

Purchasing a new car is an exciting process. You select a car of your favorite color, make and model. But if your credit score does not make the cut, it can create a problem for you. It is will make you realize that a bad credit score is like a ghost that can come to haunt you every now and then. A few late payments, a maxed out credit card and a habit of purchasing in excess than your repayment capacity are a few reasons that can damage your credit score. However, don’t lose heart. Even though you might have suffered from a bad credit score, there are still numerous ways to obtain an approval for a bad credit auto loan.

Do not worry if you want a bad credit auto loan. The following ABC tips will help you in getting loan approval.

A. Always be Prepared

Prior to applying for an auto loan, ascertain your credit score from your credit reports. Analyzing your credit reports can give you great insight in anticipating any discrepancy or error that may become a problem later. The main factors that are accessed during the process include your current income and your employment stability. Your income will be an indicator of your ability to repay the loan and the duration of your employment will strengthen your credibility in the eyes of the lender. By being prepared, you will be one step ahead in the process of obtaining your bad credit auto loan. 

B. Bring a Strong Co-Signer

A strong co-signer with a flawless credit score can enhance your chances of getting a bad credit auto loan. Once you get a co-signer for your loan, the other person is equally responsible for it. In case, you are unable to repay the loan, the co-signer will be liable to pay the debt. Thus, the presence of a strong co-signer will further create a positive credit image and increase your chances of getting loan approval. 

C. Compare Auto Loan Offers:

When starting to look for a bad credit auto loan, it is always a good idea to shop around your neighborhood. Do not take the first deal that is offered to you as it is a wise decision to look for more options. When looking at different lenders, make a note of the ones that offer you the best interest rates. Many a times, bad credit auto loans include high interest rates. Therefore, it is a good idea to reconsider all your car loan offers before making a decision. 

If you have a bad or damaged credit score, it does not mean that you cannot get loan approval. Remember the ABC tips for obtaining a bad credit auto loan because they will assist you in getting a faster loan approval. 

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Long-Term Auto Loan: Understand the Pros & Cons before saying yes

Buying a car has never been more convenient. Today, cars are better built, technologically equipped and offer a variety of financing options. However, the scenario of expensive monthly payments and poor credit score become an unwanted hindrance. Opting for a long-term auto loan is one way to overcome the limiting obstacles. Typically, it ranges from six to eight years. However, before you choose a long-term auto loan, it is essential to evaluate the pros and cons of your decision. 

Pros of a Long-term Auto Loan

1. Reduced Monthly Payments

As compared to a short-term loan, a long-term auto loan has smaller monthly payments. The total amount of the auto loan is spread over a longer time frame, thereby, significantly reducing the monthly payments. Due to a small monthly payment, you can afford to buy an upgraded version of the car as it is less burdensome to repay the loan. 

2. Repair Damaged Credit

A long-term auto loan is extended to individuals with bad credit. If you make consistent payments throughout your term, you stand a chance to repair your damaged credit score. Additionally, the likelihood of obtaining refinancing for a long-term auto loan is higher than a short-term auto loan. 

Cons of a Long-term Auto Loan

1. High Interest Rates

While the monthly payments are low, the interest rates on the long-term auto loans are high. A longer term period means increased number of payments with high interest rates. Therefore, you will not only be paying interest rates for a long time, but it will also be higher than other auto loan options. 

2. Lower Resale Value

The depreciating rate of a car ranges between 15% and 20%. By the time you are done repaying a loan, the resale value of your car is likely to drop. As a car is a depreciating asset, the amount you receive after reselling it will be lower than its purchasing price. Therefore, a potential risk of upside down is always associated with a long-term auto loan. 

So, when does it make Sense to choose a Long-term Auto Loan?

If you suffer from bad credit, chances are the dealer will offer you a loan which contains a long-term. Generally, individuals with a damaged credit score can obtain it easily as it requires less credit checks. Also, if you cannot afford expensive monthly payments, a long-term auto loan will help you to afford the car you wish to purchase. 

A decision taken in a hurry is a decision low on evaluation. A bad credit score may limit your probability of getting an auto loan. However, a long-term auto loan can be a means to reach one step closer to purchasing your dream car. Understand the pros and cons before you decide on choosing a long-term auto loan. 

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Cincinnati: Where buying a Car is a Necessity rather than a Choice

People consider a car as a luxury item. But, in few cities, buying a car has become a requirement. If you live in Cincinnati, you will realize that it is a necessity rather than a choice. Here are a few reasons that will show you the importance of a car in Cincinnati: 

Public Transport Service

Cincinnati, since its establishment as a city, is struggling to incorporate an efficient public transport system. Since 1916, the government is trying to connect the city with subway but it has failed several times. Also, the city lacks an efficient public bus service. The Riverfront Transit Centre was built for transit buses but residents of the city use it during school trips, picnics and sports-events only. 

As the public transport service of the city is not satisfactory, it is best to avoid using it in the times of emergency. If you want to reach work on time, buying a car is the best option for you. 

The Temperature Issues

Cincinnati belongs to a climatic transition zone. The subtropical and continental climates influence the average temperature of the city. The summers are hot and humid with temperatures reaching up to 90°F whereas the winters are cold and snowy. In winters, Cincinnati receives 22 inches of snow approximately. In a city with fluctuating weather conditions, you never know when you get stuck because of lack of public transport service. Therefore, owning a car is a wise option for you. 

A Crowded City

Cincinnati is the recipient of the title ‘fastest growing economy in the Midwestern United States. Hence, one can estimate the rapid growth of settlements in and around Cincinnati. Major companies such as P&G, GE, The Kroger Company etc. have their headquarters in the city. According to a 2015 estimate, the population density of the city was 3810 per square mile. If you have to commute regularly, you will want to avoid travelling with a large crowd. Therefore owning a car can help you to maintain privacy and save your valuable time. 

Unavailability of an Airport in the City

Air connectivity for a metropolitan city is a must. And with major businesses having their headquarters in the city, Cincinnati is no exception. But the real problem with air connectivity in the city is that it doesn't have an airport of its own. You need to go to Kentucky in order to board a flight. If you are a frequent flier, a personal car can help you to reach the airport faster. Plus, you need not adjust your time according to the public transport service. 

In Cincinnati, people consider owning a car as the best option because of the convenience and comfort it offers. So, if you are living in the city, go out today to buy your own car. 

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4 Tips to Get the Most Out of Your Bad Credit No Money Down Auto Loan

Imagining a world without a car seems quite impossible. A car has become a necessity that is integral to our lives. Sorrowfully, many car buyers find themselves in a state of mayhem due to the compulsion of making a down payment. A down payment makes it difficult for car buyers to arrange a big amount of money in a short time-frame. To add to that, there is a possibility that a bad credit score or an average credit score can diminish the chances of obtaining an auto loan. However, there is always a way out. A bad credit no money down auto loan is the best option for you. But, before you avail the loan, make sure that you leave no stone unturned to educate yourself on all the important details. 

The following tips will assist you in getting the most of your bad credit no money down auto loan:

1. Trade-In Your Old Car

Many a times, trading your old car can act as a replacement for a down payment. Once you have agreed to trade-in your old car, the amount equivalent to your car will be deducted from the total loan amount. It substantially reduces your burden of the monthly payment amount. Thus, by trading your old car, you can maximize the benefits of your bad credit no money down auto loan. 

2. Get a Co-Signer

When you suffer from a damaged credit and cannot spare the amount for a down payment, getting a co-signer greatly helps your situation. If you are unable to make payments, a co-signer is equally liable to repay the loan amount. A lender will be more likely to grant you a loan if you have a co-signer with a rich credit history. Therefore, in order to make the most of your bad credit no money down auto loan, make it a point to get a co-signer.

3. Aim for Reasonably-Priced Cars

It is much easier to obtain a bad credit no money down auto loan if the loan amount is reasonable. If you aim for cars which are way out of your league, it can become difficult to get a loan. Additionally, opt for a loan with a shorter term. A realistic amount which can be repaid in a short time-frame can reduce the overall interest on your loan. 

4. Present Evidence of a Stable Income

Regardless of a bad credit history, evidence of a stable income can boost your chances of getting a loan. Stability in the form of a regular job, a regular income source and a stable residential address can increase your credibility. Present pay-stubs that prove you can repay the loan within the stipulated time-frame. 

For a car buyer with a bad credit score, getting financing options without a down payment is possible. Keep the above tips in mind to get the most of your bad credit no money down auto loan. 

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