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The Buying Process Archives - Luckys Auto Credit: Long Beach Used Cars

Buy Here Pay Here – How does it work?

How Does It Work?

The approval process is simple at Lucky’s Auto Credit. Applying online is fast and easy, and the dealership is conveniently located in Long Beach. We look at varying individual factors, not just your credit, to determine your approval. Normally, it only takes a few paycheck stubs and a driver’s license to get approved! Thousands of people with less-than-ideal credit have purchased vehicles at Lucky’s Auto Credit.

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Co-Signing a Loan – Should you do it if someone asks?

Co-signing a loan may be a requirement by the lender when giving loan. This is the act agreeing to pay the debt if the borrower fails. Individuals with good credit score are often asked by their friend or a family member to co-sign. Although, you are willing to help; you must also be aware of its multifarious aspects. This article will focus on both the faces of co- signing the loan and help you make an informed decision.

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How to Buy a Car

Now that you are moving out of your comfort zone and actually willing to buy a car on your own, you will be needing a lot of help. Today, people make decisions hastily, unknown and unprepared about the many nuisances of making a deal. Eventually, most end-up buying a car they didn’t want and possibly at a higher price than they should have.

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What is a Doc Fee?

Doc Fee?  When it comes to buying a new or a used car, the price tag that you see kept on the top of it is not the only amount you have to pay to own it. A host of other charges applies as soon as you agree to own that piece of automobile such as licensee fee, title fee, sales tax, and various others. Dealers often add many other kinds of charges and this increases the selling price to several hundred dollars extra to what was initially agreed on. Hence, the final out-of-the-door prices that you are going to pay can be anything. These additional charges are often referred to as “doc fee” or “documentation fees” and it is highly suggested to determine them prior to making the full payment.

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Why Do I Have a Bad Credit? And, How do I fix it.

You work hard to make sure that your credit score remain high, right! Unfortunately, all your hard work could be hurt by seemingly small things that could give a big impact on your credit history. From parking ticket to auto loans, irresponsibility could take down your credit score. Credit score is a tricky thing and some harmful action or behaviors can terribly impact your credit. Having a blemished credit history is likely to mean you are turned down when you apply for car loans or borrowing money, giving rise to think that your credit is blacklisted or bad credit rating. By understanding the biggest mistake determine or reduce problems that might affect your credit. Here are some of them:

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Bad Credit Loan – What Interest Rate can I Expect?

Is the interest rate high? 

Obviously, if you have perfect credit you can get a low interest rate on car loan almost anywhere. But not all of us have perfect credit, in fact, over 40 million americans have what credit bureaus describe as “very low credit scores” and 50 Million americans have no credit at all! If you’re in either one of these categories, you’re not alone and you’ll likely have to get a “bad credit loan.”  In California, the interest rates for those with “bad credit” range typically from 12-38%.

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3431 Cherry Ave. Long Beach, CA 90807

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3431 Cherry Ave.
Long Beach, CA 90807
Email Us (562) 247-9972