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Options For Purchasing A Vehicle With Bad Credit

One of the bigger purchases that you will ever have to make is when you decide to buy a new or used car. When you are looking to get a new car, you will likely find that the prices of a car make it hard to pay for the entire vehicle cash.

To buy a car, one of the options that you will have would be to take out an auto loan. Similar to any other type of lender, banks that provide auto loans will pull a credit score for the borrower. If you have poor credit, the letter might not provide you with the loan. However, there are several ways you can get still get a loan to buy a car, even if you have poor credit.

Get Dealer Financing


One option you have for a bad credit loan when you are looking to get a loan to buy a car is to get a loan from the dealership. Most major car companies today have their own financing departments that can provide loans directly to buyers. Car companies are often willing to offer loans to people will lower credit scores as it will help to ensure that they make the car sale. However, these rates and fees tend to be higher than loans provided by traditional banks. 

Put More Money Down


When you are looking to make a purchase on a new vehicle, most lenders will expect that you put forth some form of a down payment. When buying a car, a down payment is typically around 10 to 20% of the total purchase price. While this is the standard for someone that has good credit, those that have bad credit could still obtain a loan if they’re willing to put forth a larger down payment. If you can afford a down payment of 30% or more, you will be perceived as a lower risk and could receive the financing you need to buy the car. 

Co-Signor


As with any type of loan, a great option for getting a loan with bad credit is to get someone to sign the loan with you. If you have a friend, spouse, or other party that is willing to co-sign the loan with you, they will be taking on responsibility for the loan. In the event that you miss a payment, the co-signor will be obligated to make the loan current. Because of this, if you have a co-signor that has a good credit score, you will be able to qualify for an auto loan even if your credit is poor.

Shop Around


Finally, when you are looking for an auto loan when you have poor credit, you could obtain a loan if you are willing to shop around and find a great loan. There are many different banks, credit unions, and finance companies that are active in the auto lending industry. All of these companies have different methods for underwriting a car loan. Even if you have poor credit that leads to a rejection from one lender, another lender may still be willing to offer you a loan. Not only will then help you to get approved for the loan, but you could also receive a better interest rate.

Survey Shows That Over Fifteen Percent of Drivers Have Fallen Asleep at the Wheel

A survey done by SmartWitness shows that at least 15% of drivers have fallen asleep at the wheel at least one or more times. Over 40% of drivers have said that they have driven even though they felt drowsy and knew they were at risk of temporarily nodding off behind the wheel. Almost half of the motorists said that they felt they had been a danger to themselves or others when driving because of being too tired.

Men Are More Likely to Drive When Too Tired Than Women Are

Almost 1/4 of men have fallen asleep while driving compared to only 10% of women. Almost 90% of drivers admit that at one point or another they have driven when tired because of work or family. Less than half of these drivers say that they stop to take a break when they feel tired. Almost half of the drivers say that they have rolled down the window to help them stay awake. Other activities that drivers use to keep themselves awake at the wheel includes chewing gum, drinking coffee, or turning the radio up with some of their favourite music.

There is now a new system made by SmartWitness that is able to identify a driver whose eyes are no longer on the road and it will sound an alarm to wake him up when this happens. The name of the system is DDC100 and it is made to sit directly on the dashboard and is suitable for HGVs, Vans, and of course cars. The system uses software that is able to understand when the driver’s eyes have looked away from the road for a length of time that exceeds 3 seconds.

Alert Systems

If this happens for a private vehicle the alert system lets the driver know with an alarm and when it is part of a commercial fleet the system is also designed to alert the management of the company so they are aware that the driver is fatigued. This technology is also made to understand when a driver might be using a cell phone or is somehow distracted because of other reasons and the system can then notify the commercial company management and make them aware of these facts.

SmartWitness is among the leading CCTV firms in the UK and while conducting a survey that included over 1,000 drivers it was found that close to 20% of them had fallen asleep at the wheel. This survey also learned that close to half of those who participated in the survey did not get the seven to eight hours of sleep that is recommended. It was also determined that well over 80% of those that volunteered for the survey would have at least one more nights a week where they were not able to get a restful night’s sleep.

Most said that they still needed to drive a vehicle even after having a bad night sleep. It was found that those who drive for business or commercially were more susceptible to these situations because of their hectic schedules and the fact that many of them had long work hours. According to some statistics, it is believed that at least 1/5 of deaths that occur in driving accidents are caused by one or both of the drivers being fatigued.

It is estimated that the likelihood of death in a car accident caused from driver fatigue increases the likelihood that the accident will be a high-speed impact and because a driver was asleep at the wheel they took no action to avoid the accident. The chief executive of SmartWitness has been quoted as saying that this type of situation is responsible for a significant amount of the deaths that occur on our roads and is a major threat to the safety of others on the road.

Professional Drivers Often Under Pressure

HGV Class 2 licence drivers are often under increased pressure to complete deliveries due in part to the internet and this is pushing those drivers to driving even when they’re tired or drowsy and at risk of going to sleep behind the wheel. The danger of this is considered as great as it would be if someone were drunk driving or if they were distracted by talking on their cell phone. For this reason, it is said that it is vitally important that employers put technology into place that can identify when a driver is too tired and can alert them of this fact so that they can take appropriate actions.

When a company invests in the DDC100 it means that they have a way to monitor their drivers in real time and management can identify problems like fatigue and make necessary changes to alleviate the problem. When a company uses this type of system it means that their fleet …

Three Things You Should Keep in Your Car This Summer

Having a collection of extra equipment and ‘just in case’ backups is an important safety net when you own your car. Carrying things like towels, cat litter, and a flashlight can help if you’re caught out in a storm.

But summer has a few unique concerns of its own. Here are three spares you should always have on hand: 


A Spare Tire 


You should always carry a spare tire. But sometimes you must take them out of the trunk to make extra space. Or you’ve been meaning to replace the spare tire you used a few months ago. These things happen, but it’s important to make sure you put a functional tire back in place as soon as possible this summer. One of the first car maintenance tasks most drivers learn is how to change a flat tire. While a flat tire might not be the first thing to go wrong, with your first car, no one avoids a flat tire for long. But there are four things you need to know before your next one:

 
Every car is slightly different. Just because you knew how to change a tire on your old sedan doesn’t mean you have the procedure locked down for your new truck. The bigger or newer your car is, the more difficult the task can be. So, do test run to make sure you know where to align the jack and to be sure you have the tools you need for something like a mitsubishi outlander for sale charleston sc. Hot summer temperatures make the air in your tire expand and they’re more likely to blow out. If you’re traveling this summer, you’re also going to put more miles on those tires faster. Having a spare also means you won’t be stranded in a new area by yourself.


A Spare Set of Sunglasses

 
Glare is a year-long problem for every driver. But it can be even more dangerous in the summer. East-west roads will have longer exposure to the rising and setting sun, which means you can’t rely on your roof or your car’s visor to keep the road visible. Always keep a spare set of sunglasses in your car in case your usual pair is damaged or lost. 


A Spare Bottle of Water 


Scientists are finding more and more reasons to not drink bottled water that’s been left outside. But you still need a spare bottle or two in your car. It can substitute for coolant in a pinch, which stops your car’s engine from overheating. If you have a bottle or two in the back of your car, you can add enough to the radiator to 


Does the Jack Really Work? 


Heavier cars need better jacks. Even more importantly, taller cars need taller jacks. The last thing you need is to get out on the side of the road, position your jack, and lift up the car as high as the tool allows, only for the tire to not clear the ground. 


Can You Rely on Your Current Spare? 


Nobody thinks about their spare tire until they need it, but that can be dangerous. Always know the condition of your spare, and get it fixed or replaced as soon as possible after you use it. If you share your car with other people, carry around a spare tire patch kit.

Buying New or Used Auto Parts

Having a car is a necessity in life and the care of a vehicle is an essential part of ensuring its longevity. While many people use a traditional car repair service and parts for car repairs, there are money saving alternatives.

The greatest savings often comes in buying car parts new or used and having them installed. 

Buying new or used car parts and having them installed instead of letting a repair shop buy them, can save car owners a significant amount of money. When looking for vehicle parts houston tx car owners have several choices for supplies. Many people don’t realize that most auto repair shops charge a markup on auto parts. That means that the cost of buying the part is more expensive getting it from the car repair shop, versus buying it in person from a new or used car parts store directly. 

Understanding New and Used Car Parts 

There are many car parts that are best bought brand new because they require the part to have a level of safety or longevity. Other times, there are car parts that are fine being purchased rebuilt or used. Many rebuilt auto parts are sold at regular auto part stores. Much of it depends on the type of part. 

In general, electrical components for a car should only be bought when they are new or rebuilt. But many other parts can easily be bought that are used because they do not fail easily. When looking at the difference between these types of parts, doing a little research can help. 

Good Used Car Parts 

Car body parts can easily be bought used with little concern of a problem. This can include: doors, bumpers, hoods, rear or front quarter panels and running boards for trucks. Additionally, interior auto parts can also be purchased that are used without concern as well. This would include: seats, mirrors and dashboard parts. Tires can be easily purchased used, as well as tire rims and hub caps. 

One of the other exceptions where it is not advisable to buy used auto parts, are ones that are motorized. While some motorized used components may last a long time, others may fail quickly. This can be very frustrating for a car owner. Especially if they have spent money to have a mechanic install something that fails quickly. This can make the labor fees become wasteful and require that the car owner replace the part all over again. 

As a rule, brake parts should never be bought used. The exception to this may be rotors. These can often be bought after they have been milled down at a used parts store. However, there are occasions when they have not been milled down properly and they end up needing to be replaced. For the price difference it may be wise to buy them new. With all other brake parts, they should be purchased new. Because brakes are a safety measure, used brake parts are not recommended. Most often brake parts are inexpensive enough to buy them new. The expense is usually the labor and installation which can be cheaper if the parts are bought independently such as brake pads and rotors.