Free Vehicle Finance
Tuesday, August 7, 2007
Free Vehicle Finance
Commercial Vehicle Finance Loans
By [http://ezinearticles.com/?expert=David_Riches]David Riches
Commercial vehicle finance loans are something that many businesses look into for a variety of reasons. Office based jobs will sometimes give company vehicles to particular employees as an added benefit. This is especially true if there is an outside sales staff or a need for the employees to make visits to clients outside of their base of operations. Instead of utilizing the employee’s personal vehicle and compensating for mileage, the company will supply a company vehicle and apply for commercial vehicle finance loans to stock the employees with company cars. This is sometimes better for the image of the company, can help keep costs down and assist with branding. Commercial vehicle finance loans are also used when purchasing vehicles for delivery of freight. Any business that deals with the shipping and delivery of wares should look into commercial vehicle finance loans.
A company with an upscale image may purchase vehicles for employees that portray a particular image. A commercial vehicle finance loan can help accommodate this need by allowing the company to purchase several high end vehicles for company use. Because maintenance and mileage on an employee’s individual car can be expensive, the company can regulate those costs by supplying a company vehicle. The commercial vehicle finance loan amount will be known and it will be easier to budget for that expense. Branding can also be used when purchasing cars through a commercial vehicle finance loan. Often vehicles are branded with the logo and a possible slogan so those who are traveling and see the vehicle will get brand recognition. The use of a commercial vehicle finance loan to purchase these types of vehicles will often help increase sales revenue by increased exposure to the brand name.
Commercial vehicle finance loans are very similar to personal loans. Often there is a need for a down payment and then monthly payments are made on the note for the total cost of the loan. The advantage of the commercial vehicle finance loan is that companies can make a larger loan with the assets as collateral. This way, larger items such as trucks can be purchased and many vehicles can be purchased at once. Commercial vehicle finance loans are available for outright purchases as well as leases. Commercial vehicle finance loans used for leasing vehicles are typically used by companies that want to keep newer vehicles and trade them in every few years. Using a commercial vehicle finance loan for sale or lease of vehicles to be used in business will help companies keep a set amount of money budgeted yet allow the company to have a fleet of cars or trucks at their disposal.
Commercial vehicle finance loans are available through private lenders, banks and dealerships. As with any loan, commercial vehicle finance loans should be researched to get the best deal. The finance officer of the company should sit down with bank officers at banks and lending institutions to understand what the terms of the commercial vehicle finance loan are and what the repayment options are before settling on one.
For more information and advice on this subject, please visit my [http://www.alphaleasing.co.uk]car leasing website at [http://www.alphaleasing.co.uk]http://www.alphaleasing.co.uk.
Article Source: http://EzineArticles.com/?expert=David_Riches http://EzineArticles.com/?Commercial-Vehicle-Finance-Loans&id=288553
By [http://ezinearticles.com/?expert=David_Riches]David Riches
Commercial vehicle finance loans are something that many businesses look into for a variety of reasons. Office based jobs will sometimes give company vehicles to particular employees as an added benefit. This is especially true if there is an outside sales staff or a need for the employees to make visits to clients outside of their base of operations. Instead of utilizing the employee’s personal vehicle and compensating for mileage, the company will supply a company vehicle and apply for commercial vehicle finance loans to stock the employees with company cars. This is sometimes better for the image of the company, can help keep costs down and assist with branding. Commercial vehicle finance loans are also used when purchasing vehicles for delivery of freight. Any business that deals with the shipping and delivery of wares should look into commercial vehicle finance loans.
A company with an upscale image may purchase vehicles for employees that portray a particular image. A commercial vehicle finance loan can help accommodate this need by allowing the company to purchase several high end vehicles for company use. Because maintenance and mileage on an employee’s individual car can be expensive, the company can regulate those costs by supplying a company vehicle. The commercial vehicle finance loan amount will be known and it will be easier to budget for that expense. Branding can also be used when purchasing cars through a commercial vehicle finance loan. Often vehicles are branded with the logo and a possible slogan so those who are traveling and see the vehicle will get brand recognition. The use of a commercial vehicle finance loan to purchase these types of vehicles will often help increase sales revenue by increased exposure to the brand name.
Commercial vehicle finance loans are very similar to personal loans. Often there is a need for a down payment and then monthly payments are made on the note for the total cost of the loan. The advantage of the commercial vehicle finance loan is that companies can make a larger loan with the assets as collateral. This way, larger items such as trucks can be purchased and many vehicles can be purchased at once. Commercial vehicle finance loans are available for outright purchases as well as leases. Commercial vehicle finance loans used for leasing vehicles are typically used by companies that want to keep newer vehicles and trade them in every few years. Using a commercial vehicle finance loan for sale or lease of vehicles to be used in business will help companies keep a set amount of money budgeted yet allow the company to have a fleet of cars or trucks at their disposal.
Commercial vehicle finance loans are available through private lenders, banks and dealerships. As with any loan, commercial vehicle finance loans should be researched to get the best deal. The finance officer of the company should sit down with bank officers at banks and lending institutions to understand what the terms of the commercial vehicle finance loan are and what the repayment options are before settling on one.
For more information and advice on this subject, please visit my [http://www.alphaleasing.co.uk]car leasing website at [http://www.alphaleasing.co.uk]http://www.alphaleasing.co.uk.
Article Source: http://EzineArticles.com/?expert=David_Riches http://EzineArticles.com/?Commercial-Vehicle-Finance-Loans&id=288553
Tuesday, July 31, 2007
Free Vehicle Finance
Valuable Tax Deductions For Your Vehicle You Can't Afford To
Miss
By Germaine A Hoston
Is your business missing out on valuable tax deductions you can
take for the use of your personal vehicle for business
purposes?If you haven't done so already, you should definitely
beat a path to the door of your local office supply store and
pick up a notebook for logging the mileage you drive to conduct
business—and be sure to log the miles you drove to buy it.
Not taking the trouble to do this is like letting your pricey
gasoline flow onto the pavement instead of into your tank!
Even if you work at home most of the time, miles you've driven
to purchase office supplies, buy stamps or mail packages, and
other errands for your business can translate into big tax
deductions. With fuel costs soaring, you are literally throwing
money down the drain if you are not keeping track of this
mileage and taking the deductions for it to which you're
entitled as a business owner. And the first entry you need to
make is the beginning mileage on the odometer as of January.
You'll also want to make sure that you keep track of all your
automobile expenses associated with that personal vehicle that
you're using for business.(See why in my article "Valuable Tax
Deductions for your Vehicle You Can't Afford to Miss").
The dramatic surge in fuel costs has not been lost on the IRS.
Of course, gasoline prices began to edge up shortly after the
beginning of the war in Iraq; but the devastation wrought by
Hurricane Katrina prompted the IRS to offer a valuable
money-saving solution for business owners. (If you live outside
the U.S.A. you should check your tax authority's website for
similar provisions.)
Last year,for 2005, the IRS increased the standard mileage rate
for the use of a vehicle (car, van, or truck) by 3 cents a mile,
to 40.5 cents a mile for all business miles driven. However, in
the wake of Katrina, that rate was increased further to 48.5
cents a mile for the business miles driven in the months of
September, October, November, and December, 2005.
This increased mileage rate ended with the end of 2005. The new
mileage rate for 2006, effective January 1, is now 44.5 cents
per business mile driven. You can maximize this deduction if
you're careful to consolidate business and personal errands. For
example, I wait until I need to go to the post office to ship a
package for my business to stop to at the drug store and
supermarket right next door to pick up groceries. What would
have been "dead" mileage becomes a deductible business trip, as
long as you've logged your business purpose in your mileage
logbook.
In addition, for both 2005 and 2006, the IRS also encouraged
Katrina-related charitable relief activities by granting higher
rates for miles deductible and miles reimbursable driven for
such activities.
Of course, the use of these mileage allowances can be rather
complicated. For example, you cannot take additional deductions
for business use of an automobile to which you have already
applied the Modified Accelerated Cost Recovery System (MACRS),
after claiming a Section 179 deduction for that vehicle that
your business purchased directly.
And if you're using a personal vehicle for your business, don't
forget to calculate the percentage of total miles for the year
that you travel for business purposes. At the end of 2006,
you'll note the year-end odometer reading in your mileage
logbook and subtract from it the odometer reading that you
recorded this month. Then you'll add up all miles driven for
your business that you have recorded and divide it by that total
mileage to calculate the percentage of total miles you used for
your business. If it turns out that 30% of your total mileage on
that personal vehicle was for business purposes, you can deduct
30% of *all* your expenses for maintaining that vehicle: not
only fuel, but all trips to the garage for routine maintenance
or special repairs as part of your business expenses for the
year.
The devil is in the details, as always, of course. You will
want to consult your tax accountant on how best to apply the
rules to your situation. If you prepare your tax returns
yourself, you can get the details directly from the IRS website:
http://www.irs.gov/pub/irs-drop/rp-04-64.pdf. Examine the fine
print closely: You'll find that there are limits on what
percentage of business use can be claimed for a personal
vehicle, no matter what your actual numbers might be; so if your
actual business mileage is greater than 75 per cent of your
total mileage, you might be better off purchasing a separate
vehicle dedicated to business use. If you've taken the care to
structure your business correctly--using a corporation, limited
liability company, or other stand alone entity--you and your
business will benefit from even greater deductions.
(C) Copyright 2006 Azur Pacific Associates. All formats and
media, known and unknown. All Rights Reserved.
About the Author: Germaine A. Hoston, Ph.D., President of Azur
Pacific Associates, a consulting and translation firm, has
operated successful consulting businesses in the US and France.
Receive a free special report when you subscribe to her free
eNewsletter at: http://www.wealthstrategies202.com.
Source: http://www.isnare.com
Miss
By Germaine A Hoston
Is your business missing out on valuable tax deductions you can
take for the use of your personal vehicle for business
purposes?If you haven't done so already, you should definitely
beat a path to the door of your local office supply store and
pick up a notebook for logging the mileage you drive to conduct
business—and be sure to log the miles you drove to buy it.
Not taking the trouble to do this is like letting your pricey
gasoline flow onto the pavement instead of into your tank!
Even if you work at home most of the time, miles you've driven
to purchase office supplies, buy stamps or mail packages, and
other errands for your business can translate into big tax
deductions. With fuel costs soaring, you are literally throwing
money down the drain if you are not keeping track of this
mileage and taking the deductions for it to which you're
entitled as a business owner. And the first entry you need to
make is the beginning mileage on the odometer as of January.
You'll also want to make sure that you keep track of all your
automobile expenses associated with that personal vehicle that
you're using for business.(See why in my article "Valuable Tax
Deductions for your Vehicle You Can't Afford to Miss").
The dramatic surge in fuel costs has not been lost on the IRS.
Of course, gasoline prices began to edge up shortly after the
beginning of the war in Iraq; but the devastation wrought by
Hurricane Katrina prompted the IRS to offer a valuable
money-saving solution for business owners. (If you live outside
the U.S.A. you should check your tax authority's website for
similar provisions.)
Last year,for 2005, the IRS increased the standard mileage rate
for the use of a vehicle (car, van, or truck) by 3 cents a mile,
to 40.5 cents a mile for all business miles driven. However, in
the wake of Katrina, that rate was increased further to 48.5
cents a mile for the business miles driven in the months of
September, October, November, and December, 2005.
This increased mileage rate ended with the end of 2005. The new
mileage rate for 2006, effective January 1, is now 44.5 cents
per business mile driven. You can maximize this deduction if
you're careful to consolidate business and personal errands. For
example, I wait until I need to go to the post office to ship a
package for my business to stop to at the drug store and
supermarket right next door to pick up groceries. What would
have been "dead" mileage becomes a deductible business trip, as
long as you've logged your business purpose in your mileage
logbook.
In addition, for both 2005 and 2006, the IRS also encouraged
Katrina-related charitable relief activities by granting higher
rates for miles deductible and miles reimbursable driven for
such activities.
Of course, the use of these mileage allowances can be rather
complicated. For example, you cannot take additional deductions
for business use of an automobile to which you have already
applied the Modified Accelerated Cost Recovery System (MACRS),
after claiming a Section 179 deduction for that vehicle that
your business purchased directly.
And if you're using a personal vehicle for your business, don't
forget to calculate the percentage of total miles for the year
that you travel for business purposes. At the end of 2006,
you'll note the year-end odometer reading in your mileage
logbook and subtract from it the odometer reading that you
recorded this month. Then you'll add up all miles driven for
your business that you have recorded and divide it by that total
mileage to calculate the percentage of total miles you used for
your business. If it turns out that 30% of your total mileage on
that personal vehicle was for business purposes, you can deduct
30% of *all* your expenses for maintaining that vehicle: not
only fuel, but all trips to the garage for routine maintenance
or special repairs as part of your business expenses for the
year.
The devil is in the details, as always, of course. You will
want to consult your tax accountant on how best to apply the
rules to your situation. If you prepare your tax returns
yourself, you can get the details directly from the IRS website:
http://www.irs.gov/pub/irs-drop/rp-04-64.pdf. Examine the fine
print closely: You'll find that there are limits on what
percentage of business use can be claimed for a personal
vehicle, no matter what your actual numbers might be; so if your
actual business mileage is greater than 75 per cent of your
total mileage, you might be better off purchasing a separate
vehicle dedicated to business use. If you've taken the care to
structure your business correctly--using a corporation, limited
liability company, or other stand alone entity--you and your
business will benefit from even greater deductions.
(C) Copyright 2006 Azur Pacific Associates. All formats and
media, known and unknown. All Rights Reserved.
About the Author: Germaine A. Hoston, Ph.D., President of Azur
Pacific Associates, a consulting and translation firm, has
operated successful consulting businesses in the US and France.
Receive a free special report when you subscribe to her free
eNewsletter at: http://www.wealthstrategies202.com.
Source: http://www.isnare.com
Friday, July 27, 2007
Free Vehicle Finance
New Car Loans
By [http://ezinearticles.com/?expert=Eddie_Tobey]Eddie Tobey
Once you find your dream car, you will have to figure out how you can afford it. There are many financing options available, of which the new car loan is the most feasible.
When applying for a new car loan, the first thing to consider is your financial situation. Determine how much you can afford to pay each month, as car financing is a long-term proposition. Most of the new car loans run for five years, so you should be able to meet this financial obligation for five years.
Before actually settling on a new car loan, it is advisable to shop around and compare prices of the various loan companies. The dealer’s rate is not always the best rate. Get quotes from finance companies and banks, and then choose the company offering the best rate and terms for your new car loan. The dealer may add unnecessary things to your loan amount, like tow packages and undercoating. You should decline all this, as it just adds to the price of the car, and serves no other significant purpose. When getting a new car loan, it is better to pay as much of a down payment as possible, as this lowers the amount to be financed. This in turn lowers your monthly payments.
There are some advantages to new car loans, like lemon law coverage, factory support, and full warranties. There is also a possibility of receiving lower financing rates with new car loans. However, as new cars cost more, there is limited room for price negotiation, which leads to a larger loan amount. Taking out new car loans also makes you take the hit for depreciation. [http://www.carloans-web.com]Car Loans provides detailed information on Car Loans, Car Loan Calculators, Bad Credit Car Loans, Used Car Loans and more. Car Loans is affiliated with [http://www.z-AutoLoans.com]New Auto Loans.
Article Source: http://EzineArticles.com/?expert=Eddie_Tobey http://EzineArticles.com/?New-Car-Loans&id=230594
By [http://ezinearticles.com/?expert=Eddie_Tobey]Eddie Tobey
Once you find your dream car, you will have to figure out how you can afford it. There are many financing options available, of which the new car loan is the most feasible.
When applying for a new car loan, the first thing to consider is your financial situation. Determine how much you can afford to pay each month, as car financing is a long-term proposition. Most of the new car loans run for five years, so you should be able to meet this financial obligation for five years.
Before actually settling on a new car loan, it is advisable to shop around and compare prices of the various loan companies. The dealer’s rate is not always the best rate. Get quotes from finance companies and banks, and then choose the company offering the best rate and terms for your new car loan. The dealer may add unnecessary things to your loan amount, like tow packages and undercoating. You should decline all this, as it just adds to the price of the car, and serves no other significant purpose. When getting a new car loan, it is better to pay as much of a down payment as possible, as this lowers the amount to be financed. This in turn lowers your monthly payments.
There are some advantages to new car loans, like lemon law coverage, factory support, and full warranties. There is also a possibility of receiving lower financing rates with new car loans. However, as new cars cost more, there is limited room for price negotiation, which leads to a larger loan amount. Taking out new car loans also makes you take the hit for depreciation. [http://www.carloans-web.com]Car Loans provides detailed information on Car Loans, Car Loan Calculators, Bad Credit Car Loans, Used Car Loans and more. Car Loans is affiliated with [http://www.z-AutoLoans.com]New Auto Loans.
Article Source: http://EzineArticles.com/?expert=Eddie_Tobey http://EzineArticles.com/?New-Car-Loans&id=230594
Thursday, July 26, 2007
Free Vehicle Finance
Fast Vehicle Loan Approvals
By [http://ezinearticles.com/?expert=Carrie_Reeder]Carrie Reeder
The approval time for vehicle loans varies. Each lender has different
criteria's, and will requests an assorted of documents from you. Before
approving a loan, your credit will be considered. Moreover, the auto
loan lender will confirm employment and salary. The process of getting a
final approval for a vehicle loan may take several hours. However,
there are ways to speed up the approval time.
Online Vehicle Loan Approvals
Getting approved for a vehicle loan online is the quickest way to be
approved for a new or used auto loan. Today, many people work with online
mortgage and vehicle lenders. Traditional lending companies and banks
have strict lending guidelines. Moreover, some lenders may not offer
auto loans to people with poor credit.
Using Online Auto Loan Brokers
Applying for a vehicle loan through an online auto loan broker will
provide you with a range of lenders that offer loans to people with good
and poor credit. The online approval time is instant. Within minutes of
submitting a vehicle loan application, brokers and auto loan companies
will email you with several loan offers.
Individuals with poor credit may receive offers from sub prime auto
loan lenders. These loans may have a higher interest rate. Nonetheless,
the vehicle loan can be refinanced after your credit improves. Getting
approved for a low rate auto loan is easy with good credit. To improve
your credit and the chances of getting a better rate, pay creditors on
time and reduce debt. This will help increase credit score.
Get Pre-Approved with Instant Auto Loan
If applying for a vehicle loan online, make sure to include all
necessary information. Failure to provide employment or income information may
delay the approval time. Instant vehicle loan approvals are ideal when
attempting to get pre-approved for a car loan. Before accepting a loan,
compare rates with at least three other money lenders. If you are
pre-approved for a car loan, compare the rate and terms of the loan with the
dealership's offer. This way, you get a new car and save money
throughout the duration of the loan.
See my recommended [http://www.abcloanguide.com/autoloans.shtml]Auto
Loan Finance companies online for the lowest interest rates
possible.
Carrie Reeder is the owner of [http://www.abcloanguide.com]ABC
Loan
Guide.
Article Source: http://EzineArticles.com/?expert=Carrie_Reeder http://EzineArticles.com/?Fast-Vehicle-Loan-Approvals&id=108579
By [http://ezinearticles.com/?expert=Carrie_Reeder]Carrie Reeder
The approval time for vehicle loans varies. Each lender has different
criteria's, and will requests an assorted of documents from you. Before
approving a loan, your credit will be considered. Moreover, the auto
loan lender will confirm employment and salary. The process of getting a
final approval for a vehicle loan may take several hours. However,
there are ways to speed up the approval time.
Online Vehicle Loan Approvals
Getting approved for a vehicle loan online is the quickest way to be
approved for a new or used auto loan. Today, many people work with online
mortgage and vehicle lenders. Traditional lending companies and banks
have strict lending guidelines. Moreover, some lenders may not offer
auto loans to people with poor credit.
Using Online Auto Loan Brokers
Applying for a vehicle loan through an online auto loan broker will
provide you with a range of lenders that offer loans to people with good
and poor credit. The online approval time is instant. Within minutes of
submitting a vehicle loan application, brokers and auto loan companies
will email you with several loan offers.
Individuals with poor credit may receive offers from sub prime auto
loan lenders. These loans may have a higher interest rate. Nonetheless,
the vehicle loan can be refinanced after your credit improves. Getting
approved for a low rate auto loan is easy with good credit. To improve
your credit and the chances of getting a better rate, pay creditors on
time and reduce debt. This will help increase credit score.
Get Pre-Approved with Instant Auto Loan
If applying for a vehicle loan online, make sure to include all
necessary information. Failure to provide employment or income information may
delay the approval time. Instant vehicle loan approvals are ideal when
attempting to get pre-approved for a car loan. Before accepting a loan,
compare rates with at least three other money lenders. If you are
pre-approved for a car loan, compare the rate and terms of the loan with the
dealership's offer. This way, you get a new car and save money
throughout the duration of the loan.
See my recommended [http://www.abcloanguide.com/autoloans.shtml]Auto
Loan Finance companies online for the lowest interest rates
possible.
Carrie Reeder is the owner of [http://www.abcloanguide.com]ABC
Loan
Guide.
Article Source: http://EzineArticles.com/?expert=Carrie_Reeder http://EzineArticles.com/?Fast-Vehicle-Loan-Approvals&id=108579
Wednesday, July 25, 2007
Free Vehicle Finance
You Can Refinance Your Motor Vehicle Loan
By [http://ezinearticles.com/?expert=Mary_Wise]Mary Wise
Refinancing is an excellent option for escaping the high financial pressure that motor vehicle loan installments can imply. Thus, if you fear that you won’t be able to afford the monthly payments or that too many sacrifices must be made in order to do so, you should consider motor vehicle loan refinancing as a viable option to solve this problem.
Refinancing: The Concept
The concept of refinancing a loan is a very simple one. It basically consists on taking a loan in order to repay an outstanding loan. The new loan must feature different loan terms that in one way or another must provide advantages for the borrower. These advantages can be varied and not always consist on savings. In this case for example, the overall cost of the loan may be higher but the monthly payments will be lower so as to make the loan more affordable.
The money obtained from the new loan is used to fully cancel the previous loan and thus, the relation between the borrower and the first lender is extinguished. It is always possible to refinance with the same lender but it is highly unlikely. It is common however, to renegotiate the loan terms which is a form of refinancing but it seldom happens when the borrower is still repaying the loan as it usually happens only when negotiation is forced through a default on the loan repayment.
Usually when you take a new motor vehicle loan to refinance a previous one, the loan terms are not significantly modified. Chances are that you’ll have to agree on higher interests but lower payments by means of extending the [http://www.badcreditfinancialexperts.com/motor-vehicle-finance.html]loan repayment program. The new loan will be secured on the same vehicle as the previous loan will be canceled.
A Refinance Alternative
However, if you really want to benefit from refinancing and you have sufficient equity on your home, you can request a home equity loan instead of a motor vehicle loan. Home equity loans come with more advantageous loan terms and thus you won’t only be able to obtain more affordable payments but you’ll also be able to get further benefits.
Home equity loans come with lower interest rates, lower monthly payments, higher loan amounts, longer repayment programs, fewer fees, less insurance costs, etc. This implies that financing through home equity is in the long run a lot cheaper than resorting to other loan options and thus, by using a home equity loan, you can save thousands of dollars over the whole life of the loan.
With the money obtained from the home equity loan you can cancel the motor vehicle loan and any other debts that you may have. Thus, you could end up with a single and more affordable monthly payment that will bring a lot of ease to your financial life.
---
Mary Wise, a professional consultant at [http://www.badcreditloanservices.com]Badcreditloanservices.com with twenty years in the financial field, helps people in the process of securing personal loans, mortgage, refinance or consolidation loans and preventing consumers from falling into the hands of fraudulent lenders.
You will find more useful tips and interesting articles by clicking [http://www.badcreditfinancialexperts.com/article/]Here
Article Source: http://EzineArticles.com/?expert=Mary_Wise http://EzineArticles.com/?You-Can-Refinance-Your-Motor-Vehicle-Loan&id=416693
By [http://ezinearticles.com/?expert=Mary_Wise]Mary Wise
Refinancing is an excellent option for escaping the high financial pressure that motor vehicle loan installments can imply. Thus, if you fear that you won’t be able to afford the monthly payments or that too many sacrifices must be made in order to do so, you should consider motor vehicle loan refinancing as a viable option to solve this problem.
Refinancing: The Concept
The concept of refinancing a loan is a very simple one. It basically consists on taking a loan in order to repay an outstanding loan. The new loan must feature different loan terms that in one way or another must provide advantages for the borrower. These advantages can be varied and not always consist on savings. In this case for example, the overall cost of the loan may be higher but the monthly payments will be lower so as to make the loan more affordable.
The money obtained from the new loan is used to fully cancel the previous loan and thus, the relation between the borrower and the first lender is extinguished. It is always possible to refinance with the same lender but it is highly unlikely. It is common however, to renegotiate the loan terms which is a form of refinancing but it seldom happens when the borrower is still repaying the loan as it usually happens only when negotiation is forced through a default on the loan repayment.
Usually when you take a new motor vehicle loan to refinance a previous one, the loan terms are not significantly modified. Chances are that you’ll have to agree on higher interests but lower payments by means of extending the [http://www.badcreditfinancialexperts.com/motor-vehicle-finance.html]loan repayment program. The new loan will be secured on the same vehicle as the previous loan will be canceled.
A Refinance Alternative
However, if you really want to benefit from refinancing and you have sufficient equity on your home, you can request a home equity loan instead of a motor vehicle loan. Home equity loans come with more advantageous loan terms and thus you won’t only be able to obtain more affordable payments but you’ll also be able to get further benefits.
Home equity loans come with lower interest rates, lower monthly payments, higher loan amounts, longer repayment programs, fewer fees, less insurance costs, etc. This implies that financing through home equity is in the long run a lot cheaper than resorting to other loan options and thus, by using a home equity loan, you can save thousands of dollars over the whole life of the loan.
With the money obtained from the home equity loan you can cancel the motor vehicle loan and any other debts that you may have. Thus, you could end up with a single and more affordable monthly payment that will bring a lot of ease to your financial life.
---
Mary Wise, a professional consultant at [http://www.badcreditloanservices.com]Badcreditloanservices.com with twenty years in the financial field, helps people in the process of securing personal loans, mortgage, refinance or consolidation loans and preventing consumers from falling into the hands of fraudulent lenders.
You will find more useful tips and interesting articles by clicking [http://www.badcreditfinancialexperts.com/article/]Here
Article Source: http://EzineArticles.com/?expert=Mary_Wise http://EzineArticles.com/?You-Can-Refinance-Your-Motor-Vehicle-Loan&id=416693
Monday, July 23, 2007
Free Vehicle Finance
Commercial Vehicle Finance Loans
By [http://ezinearticles.com/?expert=David_Riches]David Riches
Commercial vehicle finance loans are something that many businesses look into for a variety of reasons. Office based jobs will sometimes give company vehicles to particular employees as an added benefit. This is especially true if there is an outside sales staff or a need for the employees to make visits to clients outside of their base of operations. Instead of utilizing the employee’s personal vehicle and compensating for mileage, the company will supply a company vehicle and apply for commercial vehicle finance loans to stock the employees with company cars. This is sometimes better for the image of the company, can help keep costs down and assist with branding. Commercial vehicle finance loans are also used when purchasing vehicles for delivery of freight. Any business that deals with the shipping and delivery of wares should look into commercial vehicle finance loans.
A company with an upscale image may purchase vehicles for employees that portray a particular image. A commercial vehicle finance loan can help accommodate this need by allowing the company to purchase several high end vehicles for company use. Because maintenance and mileage on an employee’s individual car can be expensive, the company can regulate those costs by supplying a company vehicle. The commercial vehicle finance loan amount will be known and it will be easier to budget for that expense. Branding can also be used when purchasing cars through a commercial vehicle finance loan. Often vehicles are branded with the logo and a possible slogan so those who are traveling and see the vehicle will get brand recognition. The use of a commercial vehicle finance loan to purchase these types of vehicles will often help increase sales revenue by increased exposure to the brand name.
Commercial vehicle finance loans are very similar to personal loans. Often there is a need for a down payment and then monthly payments are made on the note for the total cost of the loan. The advantage of the commercial vehicle finance loan is that companies can make a larger loan with the assets as collateral. This way, larger items such as trucks can be purchased and many vehicles can be purchased at once. Commercial vehicle finance loans are available for outright purchases as well as leases. Commercial vehicle finance loans used for leasing vehicles are typically used by companies that want to keep newer vehicles and trade them in every few years. Using a commercial vehicle finance loan for sale or lease of vehicles to be used in business will help companies keep a set amount of money budgeted yet allow the company to have a fleet of cars or trucks at their disposal.
Commercial vehicle finance loans are available through private lenders, banks and dealerships. As with any loan, commercial vehicle finance loans should be researched to get the best deal. The finance officer of the company should sit down with bank officers at banks and lending institutions to understand what the terms of the commercial vehicle finance loan are and what the repayment options are before settling on one.
For more information and advice on this subject, please visit my [http://www.alphaleasing.co.uk]car leasing website at [http://www.alphaleasing.co.uk]http://www.alphaleasing.co.uk.
Article Source: http://EzineArticles.com/?expert=David_Riches http://EzineArticles.com/?Commercial-Vehicle-Finance-Loans&id=288553
By [http://ezinearticles.com/?expert=David_Riches]David Riches
Commercial vehicle finance loans are something that many businesses look into for a variety of reasons. Office based jobs will sometimes give company vehicles to particular employees as an added benefit. This is especially true if there is an outside sales staff or a need for the employees to make visits to clients outside of their base of operations. Instead of utilizing the employee’s personal vehicle and compensating for mileage, the company will supply a company vehicle and apply for commercial vehicle finance loans to stock the employees with company cars. This is sometimes better for the image of the company, can help keep costs down and assist with branding. Commercial vehicle finance loans are also used when purchasing vehicles for delivery of freight. Any business that deals with the shipping and delivery of wares should look into commercial vehicle finance loans.
A company with an upscale image may purchase vehicles for employees that portray a particular image. A commercial vehicle finance loan can help accommodate this need by allowing the company to purchase several high end vehicles for company use. Because maintenance and mileage on an employee’s individual car can be expensive, the company can regulate those costs by supplying a company vehicle. The commercial vehicle finance loan amount will be known and it will be easier to budget for that expense. Branding can also be used when purchasing cars through a commercial vehicle finance loan. Often vehicles are branded with the logo and a possible slogan so those who are traveling and see the vehicle will get brand recognition. The use of a commercial vehicle finance loan to purchase these types of vehicles will often help increase sales revenue by increased exposure to the brand name.
Commercial vehicle finance loans are very similar to personal loans. Often there is a need for a down payment and then monthly payments are made on the note for the total cost of the loan. The advantage of the commercial vehicle finance loan is that companies can make a larger loan with the assets as collateral. This way, larger items such as trucks can be purchased and many vehicles can be purchased at once. Commercial vehicle finance loans are available for outright purchases as well as leases. Commercial vehicle finance loans used for leasing vehicles are typically used by companies that want to keep newer vehicles and trade them in every few years. Using a commercial vehicle finance loan for sale or lease of vehicles to be used in business will help companies keep a set amount of money budgeted yet allow the company to have a fleet of cars or trucks at their disposal.
Commercial vehicle finance loans are available through private lenders, banks and dealerships. As with any loan, commercial vehicle finance loans should be researched to get the best deal. The finance officer of the company should sit down with bank officers at banks and lending institutions to understand what the terms of the commercial vehicle finance loan are and what the repayment options are before settling on one.
For more information and advice on this subject, please visit my [http://www.alphaleasing.co.uk]car leasing website at [http://www.alphaleasing.co.uk]http://www.alphaleasing.co.uk.
Article Source: http://EzineArticles.com/?expert=David_Riches http://EzineArticles.com/?Commercial-Vehicle-Finance-Loans&id=288553
Friday, July 20, 2007
Free Vehicle Finance
Free Credit Card Processing
By [http://ezinearticles.com/?expert=Thomas_Morva]Thomas Morva
It is difficult to run a successful e-commerce project without being able to make credit card transactions. Credit card processing involves many things, such as the verification of the consumer's credit card number, expiry date, and other data connected with credit cards.
If you are a beginner in business, free credit card processing services would be an ideal option for you. Unlike regular credit card processing, you don't have to pay for expensive credit card processing software, customer service fees, a secure server, minimum transaction fees, and monthly gateway fees when using free credit card processing.
Most free credit card processing companies charge only a nominal fee per transaction or a monthly percentage fee. Therefore, free processing helps you save a significant amount of money every month. However, this does not work well when merchant accounts are involved. Regular credit card processing involves the payment of a statement fee, a minimum fee, a discount fee, and a license fee, in addition to start-up fees.
If you opt to go with free credit card processing, it is advisable that you visit a credit processing firm to learn what kind of transactions are generally done in credit card processing. Third party credit card processing companies can be a good resource for those who are looking for a less expensive means to accept credit cards online. They normally offer free credit card processing services. Their merchant account doesn?t charge any fee for many transactions, including phone, fax, retail, mail, Internet, or wireless businesses.
Lots of free credit card processing companies do not entail creating your own merchant account. Today, many online businesses make use of free credit card processing. They include CCBill, iBill, V-Share, and ShareIt. [http://www.i-CreditCardProcessing.com]Credit Card Processing provides detailed information on Credit Card Processing, Online Credit Card Processing, Credit Card Processing Software, Wireless Credit Card Processing and more. Credit Card Processing is affiliated with [http://www.e-CreditCardTerminals.com]Wireless Credit Card Terminals.
Article Source: http://EzineArticles.com/?expert=Thomas_Morva http://EzineArticles.com/?Free-Credit-Card-Processing&id=353155
By [http://ezinearticles.com/?expert=Thomas_Morva]Thomas Morva
It is difficult to run a successful e-commerce project without being able to make credit card transactions. Credit card processing involves many things, such as the verification of the consumer's credit card number, expiry date, and other data connected with credit cards.
If you are a beginner in business, free credit card processing services would be an ideal option for you. Unlike regular credit card processing, you don't have to pay for expensive credit card processing software, customer service fees, a secure server, minimum transaction fees, and monthly gateway fees when using free credit card processing.
Most free credit card processing companies charge only a nominal fee per transaction or a monthly percentage fee. Therefore, free processing helps you save a significant amount of money every month. However, this does not work well when merchant accounts are involved. Regular credit card processing involves the payment of a statement fee, a minimum fee, a discount fee, and a license fee, in addition to start-up fees.
If you opt to go with free credit card processing, it is advisable that you visit a credit processing firm to learn what kind of transactions are generally done in credit card processing. Third party credit card processing companies can be a good resource for those who are looking for a less expensive means to accept credit cards online. They normally offer free credit card processing services. Their merchant account doesn?t charge any fee for many transactions, including phone, fax, retail, mail, Internet, or wireless businesses.
Lots of free credit card processing companies do not entail creating your own merchant account. Today, many online businesses make use of free credit card processing. They include CCBill, iBill, V-Share, and ShareIt. [http://www.i-CreditCardProcessing.com]Credit Card Processing provides detailed information on Credit Card Processing, Online Credit Card Processing, Credit Card Processing Software, Wireless Credit Card Processing and more. Credit Card Processing is affiliated with [http://www.e-CreditCardTerminals.com]Wireless Credit Card Terminals.
Article Source: http://EzineArticles.com/?expert=Thomas_Morva http://EzineArticles.com/?Free-Credit-Card-Processing&id=353155
