Idiot man bound dog with electrical wire, bungee cords before repeatedly kicking it

Do you have a Poor Credit Score?

Reasons such as the innocence of youth, a few late payments on bills, loss of employment or a maxed-out credit card can lead a good person to a poor credit score. It doesn't mean you cannot buy a new car. But, it means that you need to put in extra effort from your end to avail an auto loan with a poor credit score.

Lenders give a Hard Time to Borrowers with a Poor Credit Score

Poor credit borrowers suffer because the lenders charge a high rate of interest and offer larger monthly payments in order to balance the risk. If your credit score is not good, the lender may deny you the auto loan.

Developing Positive Financial Habits can be liberating

When you have a poor credit score, getting approval on an auto loan can be a real problem. So it is important to be prepared. It is wise to educate yourself and do your homework. By educating yourself, you will improve your score and also develop positive financial habits.

Here the question arises: 'Can you still buy a car?' The answer is 'YES'. When you convert your negative habits into positive ones, it is easy to improve your score and thereby increase the chances of getting easy approval on an auto loan.

Take Control of your Negative Habits. Take Control of Your Credit Score

· Late payments have a negative effect on your credit score. Set up an automatic payment option to ascertain timely payments.

· An auto loan is secured with collateral. It means the lender can repossess your car if you miss the payments.

· When you spend more money than you earn, it will affect your credit report. If you continue the practice, you will be bankrupt in the near future.

Positive Financial Habits can get you Easy Approval on An Auto Loan

· By using an auto loan calculator, estimate the monthly payments beforehand. It is important to figure out how much you can pay for a car.

· Don't assume that you have a poor credit score. Obtain your credit report and check the score.

· Set a budget first. A budget should lead the planning of car buying process, especially when it involves high monthly payments.

· Don't go alone. It is better to take your friend along with you. It will help you in understanding the critical loan terms easily.

· Shop for a shorter loan term. Don't get distracted by promises of smaller monthly payments spread over a longer period of time because it will definitely harm your financial situation.

· Stick to your price range. When you have already made your budget, paying a little extra may cost you a lot in the end.

· Educate yourself. You should read all the loan terms before signing the dotted line. Ask questions, if needed.

· Always keep a copy of your loan contract with you. It should contain all the signatures and the details regarding the loan.

· Try to negotiate. As you have bad credit, you won't be able to negotiate the terms of the auto loan, but you can always negotiate the purchase price of the car.

· Develop positive financial habits. You can do so by making regular payments towards the auto loan.

A poor credit score doesn't mean that the lender will deprive you of an auto loan. It is possible to get an auto loan with such score when you develop positive financial habits. Remember your positive financial habits can help you build your credit score if you pay the full amount on time, every time!

Poor credit auto loans can make things easier for someone who doesn't have a good credit score. Apply with CarDestination to obtain pre approved car financing at the click of mouse. Get in touch today.

Having a car has become a necessity in today's fast growing world. But to obtain a car you need a good credit score. What do you do when you know that it is not as good as it should be and you find yourself in a tight spot financially? The first thought that comes to your mind is whether you will qualify for an auto loan. And, why would a lender approve loan application of an individual who has a spotty credit score? But the good news is that you can get a bad credit auto loan.

What is a Bad Credit Auto Loan?

The simplest definition is that you can get money for buying a car with a bad credit score. A credit score depends on your 'creditworthiness'. So when you have a bad credit score, getting an auto loan becomes difficult because a lender thinks that you are unable to repay your debts. Today, owing to online services many lenders offer attractive interest rates on a bad credit auto loan providing the borrower a sigh of relief!

It's no Picnic!

Getting an approval for a bad credit auto loan is no picnic. It means that when your credit score is not in your favor, it becomes difficult to get approval. But, with the following guidelines, approval becomes easy:

· When your credit score is in question, don't assume that it must be bad. The wise way is to check it yourself.

· It is the best time to shop around for a bad credit auto loan. Many lenders see borrowers with credit issues in a positive light. So it is important to shop around in order to make the right decision.

· Go online! Various loan options are available online which not only suits your needs but also offer you best interest rates.

· Consider a co-signer. A co-signer provides the security which lenders are looking for in a loan application. Your co-signer's financial condition should be good in order to compensate for your low score.

Different Lenders have Different Viewpoints

Something that is multifaceted can be looked at from many points of view, with each point of view showing something new.

· You don't have to worry about your credit score since the lenders are not going to looking at it. Instead, the lenders will look at how likely you will pay off the loan in future.

· The approval rate for a bad credit auto loan is higher than other conventional loans.

· It gives you an opportunity to improve your reputation. If you make timely payments, it can provide you with a chance to build a stronger financial standing.

On the approval of a bad credit auto loan, you will now have the money to buy a new car. You will have fixed interest rate and monthly payments. So now when you make the payments on time, it will not only repair your credit score but also build a good reputation with the lender.

When your credit score is not good, Online bad credit auto financing is the perfect way to buy a car. Apply with EZ Auto Finance and the online loan expert will help you to become a proud owner of your favorite car. Also, it will enable you to obtain no down payment auto loans.

Warning: Some viewers might find the images and details of this story disturbing.

Santa Ana Police arrested a man on Sunday after he allegedly bound a dog with electrical wires and bungee cords before repeatedly kicked the animal.

Around 10:20 p.m. officers received a 911 call reporting that a small dog that was being abused behind the businesses located at 431 East First Street. The caller told authorities that a male Hispanic adult had used wires to tie the dog’s legs and was kicking him repeatedly. Officers were directed by the witness to the area and found the suspect, Jose Manuel Pantoja, 28, standing over the small dog.

Pantoja was immediately taken into custody by officers without incident.

Officers found the small brown male Chihuahua with a bungee cord around his throat and chest. The dog also had multi-colored electrical wire around his legs. Officers transported the injured dog to Orange County Emergency Pet Clinic for treatment. The dog had multiple visible injuries.

Pantoja was transported to SAPD Jail where he was booked for cruelty to animals. Pantoja reportedly informed officers the dog did not belong to him and that it was just following him around and he did not know whose it was.

On Monday, officers were able to identify the dog’s owners. The small dog had escaped their yard after someone had left the gate open. The family was distraught and had been looking for their dog throughout the night. The 13-year-old dog “Max” has been with the family since he was a small puppy and is considered a member of the family.

#UPDATE - After going thru a traumatic event Max🐾 is on the mend and has been reunited with his family! #SantaAnaPD #SAPDK9 #happyending pic.twitter.com/eMkFDeuSJz— SantaAnaPD (@SantaAnaPD) March 5, 2019
The moment you think of buying a car, you will have to consider your credit score. If you have a bad credit score, many well-wishers will suggest you to apply for a no credit check auto loan. It is considered as the ideal way of buying a car when your credit score is weak.

Quick loan quotes and simple approval criteria are few of the biggest perks of the loan. Also, another benefit is that lenders do not undertake any kind of intensive background check before approving your loan. But, is a no credit check auto loan beneficial for you? Remember that not every ornament is made of gold and it is unwise to make a decision on the basis of appearances.

Every Coin has Two Sides

When you have a bad credit score, it may seem that lenders have shut their doors for you. If you think that there is no lender to help you out, you might consider applying for a no credit check auto loan. But, before you act on your decision, consider the following points:

· Question of Legitimacy

You need to provide your social security number and bank account information to the lender for checking your credit score. By checking it, he will be able to ascertain your creditworthiness.

When you apply for a no credit check auto loan, the lender will not demand your social security number. It is because he doesn't need to check your credit score. But, if a lender asks for your confidential information, be cautious. He may not be a legitimate lender. And, there is a high probability that he will steal your identity and use it for illegal purposes.

· The Issue of Down Payment

The lender assumes a high risk by approving your loan request without a credit check. So, he asks for a high down payment amount. So, before applying for a no credit check auto loan, you have to be ready for making a down payment of a sizeable amount.

· The Loan Term

A no credit check auto loan often comes with a long-term. Car buyers consider it ideal without thinking of the results. They forget the fact that a long-term means making more payments towards the interest amount. But, you must think of it before approaching a lender.

· Consider the Math

If you are ready to pay high rate of interest on the loan, you can get approved easily. The interest rates are set high. It is because it allows the lender to earn profit even if you fail to pay off the entire loan amount.

Break the cycle

In order to increase their business, lenders search for desperate car buyers who believe that they have zero financing options. But, before you apply for a no credit check auto loan, conduct thorough research. Do not think that there is no solution to your problem. The loan may not serve your purpose of buying a car with affordable interest rates. It may prove to be a tempting option, but remember that appearances can be misleading. So, it is wise to read and understand all the paperwork before you sign the dotted line.

A healthy portion of car buyers secure their purchase with the help of an auto loan. But, very few of those people understand the concept of refinancing and its genuine benefits. It means paying back your auto loan with the help of another loan. It means the new lender will receive all your monthly payments from now on.

But, why would you take another loan? The reasons could be many.

Financial Pressure of Current Payment Plan

Suppose you wish to have smaller payments every month because the current loan is placing too much financial pressure on you, considering your current income. You could get a new deal for yourself where the monthly payments allow a balance with your expenditures.

Improved Credit Score

High interest rates make your monthly payments big enough to take away a sizable part of your income. It could be that you settled for high interest rate because your credit score was weak at the time of applying for the auto loan. But, now that you've been paying back your loan consistently, your credit score is better than it was. It means you can search for a better loan deal than you have.

Duration of the Loan Term

If you have moved up in your job, and there has been an increase in your income, you can opt for refinancing your auto loan to shorten the loan term. You could settle for paying more money than you do per month, and settle off your debt sooner than the previous deal would let you.

Dealership Loan

Refinancing your auto loan can also help you if you got the loan at a dealership. Sure, buying the car and getting a loan from the same place is convenient. But, it does not mean that your dealer offered you the best deal. If you find a lender whose payment plan suits you more, you should choose him.

Repossession

Refinancing your auto loan can help you escape the unfortunate possibility of your car getting repossessed. The lender can repossess your car if the payments aren't regular and sell it to someone else. By changing your lender at the right time, you could keep your car and pay back your loan at a new, more suitable interest rate.

Research

Looking up deals online is a helpful tool as always. Find lenders in your area who are willing to strike a deal with you. The application takes a few minutes. You can finalize your options without needing to leave your room.

The process of refinancing your auto loan looks like another potential problem but it is actually a problem solver if done right. It helps you find a deal where the interest rate is comfortable for you. There are many lenders who could happily help you with it.

Are you unsatisfied with your current auto loan? Refinancing your auto loan can help you opt for a new loan program with comfortable loan terms and low APR. Apply with RapidCarLoans - the online auto financing company and enjoy stress-free approval instantly.

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