Student Car Loans / Auto finance helps out new college graduates
Auto loan financing can help buyers who don't have the cash for a new vehicle come up with a payment plan that works for them. One segment of the population that will soon be looking for new or used vehicles is college graduates, and with these youngsters just entering the work force for the first time, it's likely that they'll be looking to car loans to help them out a bit.
Fortunately, it's a great time to buy a vehicle, so those graduating from college can take advantage of some low interest rates and special offers. For example, Toyota is offering a $1,000 rebate to all qualified college graduates who choose to purchase a Lexus, Toyota or Scion for a limited time. Many dealers also choose to cater to college graduates this time of year, so offers might vary depending on your location.
College grads may have a very small credit history, so they might not be getting the best interest rates off the bat. However, if they make their payments diligently, they'll eventually be able to apply for auto loan refinancing down the line and take advantage of a better credit score.
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Inexpensive portable navigation systems and even cheaper smartphone nav applications are making the pricey in-dash systems offered by automakers less attractive to many consumers. But some people prefer in-dash systems because of their larger screens and because they offer more features. Plus, you never have to worry about forgetting an in-dash system at home. Finally, prices for in-dash systems are starting to drop.
Bluetooth is a wireless technology that allows two compatible devices to communicate. In the car, it lets you operate a mobile phone "hands-free," meaning you don't have to hold the device while making or taking a call or performing such functions as accessing the phone's address book. (Of course, you have to use your hands to operate certain Bluetooth features via the vehicle's controls.)
Automotive sound systems are more complex now that portable media players, hard-disk drives and smartphones are along for the ride. But the basic radio/speaker setup hasn't drastically changed, even though more speakers and more amplifier power have been added over the years.
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Responsible consumers tend to have all their affairs in order – a steady income, plenty of savings and perhaps even an investment or two on the side. While these things are all positive, they ultimately won't get you approved for an auto loan – for that, you need credit.
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