Friday, April 29, 2016

So What if I Am STILL a Server!?

I moved to Nashville to go to Belmont University in order to be in the music industry. I took a job right before enrolling at a downtown bar/restaurant/music venue to help support myself through school. Fast forward almost 9 years, and I am still working at this same place part-time on nights and weekends in order to help support my Belmont student loan pay-off. I am no longer in the music industry as I took a job in corporate America working 8-5 for a bigger salary in order to pay off the loans I accumulated while at Belmont.

This bar/restaurant/music venue is a tourist place for sure; we do not have ‘regulars,' and for the most part, I seldom see any friends there that reside in Nashville. However, being the music venue that we are, we sometimes have up-and-coming country bands play for a spot to be a regular house band of ours. That being said, I was working last night and there were 4 different up-and-coming bands playing. It seemed like it was going to be a normal night in tourist town except that I kept seeing people I knew. They were all there to see their friends play in the various bands. A couple of them came up to me to say hello and to tell me they were there with so and so who is currently on stage. My conversations with them were quick given it was a busy night for me, but out of the 5 people I saw and conversed with, 2 of them made it a point to insinuate the word still in conversation with my employment there. They said it in the oh so southernly sweet, ‘bless your heart’ kind of way, but the insult was heard loud and clear.

I felt embarrassed and ashamed. There they were in their cute, bright colored spring clothes with their high heeled shoes hanging out with the band; there I was in my dark barbecue covered t-shirt looking like a sweaty mess sporting an old baggy apron stillworking as a server. Then my pride kicked in and I thought of how great it is to be 6 months away from a debt-freedom that a few of them may never experience. I know at least one of those ladies still have college loans and there is no telling what else the rest have financed along the way.

So yes, I am stilla server.

Used Car Loans – Benefits of Buying an Old Car

Once the driving license is obtained, the next order of business is to decide whether to opt for a new car or a used car. Due to the fast changing consumer preferences, majority of the people sell off their old cars for newer models. This has resulted in not only boosting the emerging car market, but has also augmented the used car market. Accessibility to a used car has increased manifold as various banks and auto financing companies are approving used car loans. Moreover, there are numerous reasons associated to why many people are moving towards a used car.

Know how a Used Car Loan will keep you Financially Healthy

So why is the sale of used cars gaining momentum?

Controlled Budget

Surely, buying a brand new car can seem to be a desired fantasy. The smell of a new car, plush cozy seats and the attractive paint are coveted. However, can your income really cover for the expenses of indulging in a new car? The sources to meet the heightened expenses would be through past savings or other income. A rational alternative would be to rather buy a used car that serves the purpose of acquiring a vehicle for your daily needs. Also, the amount you shell out for a used car will be comparatively lower than the amount spent on a new car, helping you to save money in the process.

Sustainability – Not a problem

The onset of the trend of selling current cars for newer ones has led to a huge surplus of used cars with an average age of 4 years. This indicates that the used cars still possess longevity of many years before they turn obsolete. Therefore, the sustainability of the used car does not pose as an obstacle and people are more willing to invest in used cars, especially when it is so cost efficient.

Easier Loan Approval

Obtaining an approval for a used car loan is fairly easier when compared to seeking loan approval for a newer car. While many banks do not highlight used car loans as their top-rated product, the process of acquiring it is less complex which makes it suitable for those who want to make an immediate purchase. The key advantage here is that even when a bank does not approve a loan request, there are quite a few auto financing companies who can either act as a bridge between the loan applicant and the bank; or completely finance the car from their end. In both the instances, attaining a loan gets easier if it’s for a used car.

Now, there are also a few things to keep in mind before you apply for a used car loan. The age set for qualifying for the loan is 18 years with minimum earnings of $1800 per month. This is one of the major reasons why many teenagers select a used car over purchasing a new car. Usually, an auto financing company looks for car buyers with a good credit score and zero bankruptcy history. These features help in instilling a sense of goodwill and provide reassurance for the payment of the loan from the car buyer.

All in all, a used car loan can conveniently help you to fix your priorities with a control on the budget at the same time. If a stress-free loan approval within the purview of a fixed budget is a criterion that you seek for your next car, you know right where to invest.

Thursday, April 28, 2016

Buy a Car with Student Auto Loans to make your College Life Easier

An important part of college life is the ability to be able to manage different schedules in your life with your studies. The commute to college by public transport is tedious and takes a lot more time than it should. If you live off-campus, a car of your own will turn this difficult process into a smooth part of your day.  With one thing less to worry about, you can focus more clearly on your studies and juggle time effectively between college schedule, your personal life and your part-time job.

Buying a car is not a small investment. Most people, unless they are extraordinarily rich, need an auto loan to get them started. And as a college student, you will need it as well. The good news is that it does not take much to do it right. Just keep in mind some factors while choosing which lender and car you want to go with, and follow the procedure.

Choosing a Car

Buying a brand new car, which you will struggle to pay for, is not advisable. Most college students buy a used car as their first auto purchase. It is economical and practical.

Plan out your budget before you start looking at cars. List out your expenses and income/allowance, and have a clear idea of what kind of payments you are comfortable with.

While choosing a car, think carefully about fuel efficiency. SUVs, for example, will not only squeeze you for more money, but also use up more fuel. Consider the average miles you get per gallon from each car and make the smart choice.

Other costs

While applying for a student auto loan, be clear about your financial stature with the lender. This will help in establishing a doable payment structure for you. Consider other expenses like maintenance, insurance, fuel and repair and add them to the amount you will spend in buying the vehicle.

How can your Parents help you?

Convince your parents to sell their old car. Exchanging that car with the dealer for the one you’re buying will help in lowering the price. A lower price increases the possibility of paying the loan amount back on time. Also, after paying the money back, your credit history will show that you can make calculated financial decisions.

If your parents live in another state, you need not be concerned. Most lenders will not worry about an out-of-state co-signer.

Web Research

Go online and search for the kind of student auto loan deals that you want. Fortunately, there are lenders who are willing to meet with you and discuss terms and conditions clearly according to your needs. Find lenders who encourage college buyers. They will not be bothered much about your non-existent credit history.

Finalize the deal with someone you feel comfortable with. Remember that every time you make your payments, you will take a step closer to having a car of your own.

The word auto loan, especially for students, sounds daunting. But there is nothing complicated about it if done thoughtfully and well. Select an appropriately priced car, figure out the payment amount you can afford and make payments routinely. It’s as easy as that.

Tuesday, April 26, 2016

Up for an Auto Loan? Watch your FICO Score

If adventure and exploring are synonymous to you then venture into a brand new experience of living on the edge. How about getting a new car to follow endless roads and exploring new places? Sounds good? Then don’t wait for your savings to go up, just get an auto loan.

FICO Score Chart
Image Courtesy -

Before getting a loan, did you check your FICO Score? Well, some of you may be new to FICO score while some may be well aware. In a layman’s language, FICO= First I(eye) Credit Overall. It means first have a look at your FICO Score to know your credit situation. It will be easy for you to get an auto loan with a good FICO Score.

A good FICO Score will get you easy loans with a low rate of interest and low monthly payments. So instead of first eyeing your dream car, shift your attention to your FICO Score. FICO Score takes time in improving so be wise and keep a check on your score six months before applying for the loan. Form a habit to review your FICO Score quarterly or half-yearly. So celebrate the arrival of your dream car with FICO Score five layered cake. The five flavors of the cake are mentioned as under:

30% - Amounts Owed

Factors such as monthly loan payments, amount owed across different types of accounts are covered under this heading.

10% - New Credit

Consumer can maintain different types of credits such as mortgage loan, credit card debts, personal loan etc.

15% - Length of Credit History

Factors like age of your oldest credit account, age of your newest credit account, duration of usage of auto loans or credit cards accounts.

10% - Credit Mix

Good credit mix depends on how you manage your different accounts (i.e.) revolving accounts, loan accounts, open accounts, etc.

35% - Payment History

Factors such as bankruptcy, late payments, repossession cause a major effect on FICO Score.

Don’t have a good FICO Score? Let’s fix it with these easy tips:

>> Are you late in paying up your bills? Then get up and pay them before the last due date runs out.

>> A credit counselor is always to your rescue if you need any help.

>> Having a debt? Pay it off.

>> Credit cards are a big concern which can affect your FICO Score directly or indirectly (e.g. Balances should be kept low on credit cards to increase your FICO Score)

>> Don't open a number of new credit cards that you don't need, just to increase your available credit.

These easy tips would definitely fix your FICO Score and attract lender’s attention to your auto loan application. Now it’s time to wipe away the tears of your bad credit score and replace them with a smile of good FICO Score. When FICO Score is your best man, your dream car and auto loan will be your perfect partners.

Friday, April 22, 2016

Is it the Right Time to get a Car Loan in Georgia?

Buying a car is a big financial decision. It involves obtaining a Georgia auto loan and making regular payments for a long time. If you overestimate your financial capacity, you may ruin your credit score and end up with bankruptcy.

In order to avoid a bad financial situation, you must tackle the Georgia car buying process with a practical approach. Buy a car only if it is the right time to buy it.

Before visiting a dealership lot in Georgia, you must ask yourself about your current car. If you current car is in a good condition, you can avoid buying a car at the moment. You can use your savings in paying off your debts. It will help you in improving your credit score. Also, you can save money and use it to buy a luxurious car in future.

the Right Time to get an Auto Loan in Georgia

There are situations when you cannot wait to improve credit score or financial condition before buying a car. If you are facing any of the following situations, it is the right time to get a car loan in Georgia:


Have you experienced a cut in your income? If your current income is unable to bear the expenses of your car, you must sell it and buy an affordable one.

Have you been promoted? Have you received a raise at your job? If your financial situation has improved, you can obtain a GA auto loan and buy your dream car.

Maintenance Expenses

Is your car more at the mechanic’s garage than on the road? If the maintenance expense of your vehicle is becoming a burden, you should think about selling your high-maintenance car.

Family Need

In Georgia, car is the ideal mode of transportation. Every family member requires a car to ensure a safe and comfortable commute. You should buy a new car in any of the following situations:

1. Your spouse needs a second car for the job.
2. Your children need a car for transportation.
3. You need a kid-friendly car, etc.


If your car was involved in an accident, there are two possibilities:
  1. It can be repaired

  2. If you can assume the responsibility of the repair expenses, do not buy a new car. But, if you are facing costly repair and future maintenance expenses, it is time to search for a new car in Georgia.

  3. It is totaled

  4. If your car is totaled, you have no option but to apply for an auto loan and buy a new car.
Prudence is the Key

Now that you know it is the right time to get an auto loan in Georgia, you must think of the type of car that you want. If you have bad credit score, a used car will be the best option for you. It will ensure low monthly payments and improve your credit score as well.

Are you ready to buy a car? Rapid Car Loans will make bad credit 0 down car financing easy and affordable for you. Obtain low rate car loans in Columbus by applying on the secure website.

Choose a Reliable Dealer for buying your Next Car in Colorado

Today, Coloradan car buyers have many options to buy a car. If you live in Denver, Lakewood or any other part of the Centennial State, you can buy your dream car from the following sources:
  • Dealership Lots
  • Private Sellers
  • Online Websites, etc.

Most Coloradans opt for dealership lots because of the following reasons:
  • Private sellers and most online websites sell used cars only whereas you can buy a used car or a new car at the dealership lot.
  • Dealers handle all the paperwork related to title transfer and registration.
  • They offer financing options. It is an ideal choice for people with credit issues.
  • Many dealers offer warranties on used vehicles.
  • You can buy certified pre-owned cars from them.
  • You can trade-in your old car with the dealer and avoid down payment.
  • Dealerships follow strict rules while selling a used car. So, it is a better option than a private party auto sale.

According to the Colorado Automotive Dealers Association, there are approximately 260 new car and truck dealers in the state. If you have decided to buy a car from a dealer, you need to find someone who can work with you and fulfill your car requirements easily. Here are a few tips to help you find a reliable dealer for your next car:

Choose a Reliable Dealer for buying your Next Car in Colorado

   The Price

    Price is the most common way of comparing a dealer with other dealers. Ask a dealer for the best price on a car model and use it to compare it with other dealers of your area. It is also necessary to check various deals and incentives offered by the dealers because they can reduce the price phenomenally.

    The Car

    There is no point in working with a dealer if he/she doesn’t have the car model that you want. So, choose a dealer that has your favorite car model in the stock and do not get swayed by crafty salesperson who will try very hard to persuade you to buy another car model.

    The Credit Score

    It is important to remember that not all dealers work with sub-prime credit borrowers. So, if you have a bad credit score or a zero credit score, you must ensure that the dealer will cater to your special financing needs.

    The Reputation

    Do not say yes to any cheap car. It is possible that the dealer is selling you a lemon. So, before choosing a dealer, you must check his credibility. A reputed dealer may sell you expensive cars but he/she will guarantee a good and fuel-efficient car.

The Easiest Way of finding a Reliable Dealer

If you do not want to spend time in going from one dealer to another, internet can help you in choosing a reliable dealer. Online auto financing companies work with large networks of lenders and dealers. Once you submit your online auto loan application form with a company, it will forward the form to its network. After that, the network will review your form and a dealer will call you for a car loan. Simple, isn’t it?

In the past, choosing a dealer was a time-consuming process, but now you can find a reliable dealer with just a click of mouse.

Find a reliable bad credit auto dealership financing in Colorado with Rapid Car Loans. Forget high monthly payments and enjoy low rate auto loan in Denver by applying on the secure website today.

Go from Expensive to Economical Car Buying in Wyoming

A car is the second most expensive purchase of your life. If you live in Wyoming, buying a car and maintaining it is going to be even more expensive. Why? According to a 2014 report by, it takes $2,705 every year to keep your car up and running. The amount is based on price of fuel, insurance and repair expenses in Wyoming State. It doesn’t even include the monthly auto loan payments or the down payment amount required for buying a car.

Buying a Car in Wyoming

If you want to buy a car in Wyoming, you have to lower your car-related expenses and make car buying process economical. Here’s how you can do it.


The current average of fuel prices has reduced across the nation. In Wyoming, it is $1.939. Still, car owners of the state have to endure higher fuel expenses. Why?
Fuel Expenses in Wyoming
Wyoming is a sparsely populated state. The residents of the state have no option but to travel longer distances in order to reach work. It means you cannot cut down your travelling. But, you can buy a fuel-efficient car and ensure a reduction in your fuel expenses.


According to the 2014 report, the cost of repairs for Wyoming car buyers is $324. It is lesser compared to other states such as Georgia, New Jersey, New Mexico and Oregon.
Repair Expenses in Wyoming

If you want to ensure lesser repairs, it is important that you choose a sturdy and reliable car. Do not forget to ask your mechanic to inspect the used car before buying it. If a new car model has caught your attention, read its review and try to choose a low-maintenance car.


Insurance companies in Wyoming provide car insurance at a lesser cost when compared to other states such as Louisiana, Florida and Delaware. But, there is no harm in reducing the insurance premium amount in order to decrease the financial burden of your car.
Car Insurance in Wyoming

The year, make and model of your car influence the insurance premium amount. Remember a more expensive car will have a higher premium amount. Same goes for sporty cars. If you have a limited budget for car insurance, check the insurance premium amount for your shortlisted car models and then choose a car.

Car Loan Application

Wyoming Auto Loan Application

Every lender provides low interest rates on Wyoming auto loan if your loan application is strong. Here a few tips to make your loan application better:
  • Improve your credit score before applying for an auto loan.
  • Finish rate shopping within 30 days so FICO Score considers all inquiries as one.
  • Lower the loan amount by opting for down payment or trade-in.
  • A co-signer can also help you in lowering the interest rate.
A car is a big financial responsibility. If you buy a car without considering its implications on your wallet, you may hurt your credit score. So, create a monthly budget and choose a car that suits it. It will ensure that you do not hurt your financial situation.

When you want to lower your car-related expenses, you must opt for a low rate bad credit auto loan in Wyoming. will help you in buying a car at economical interest rates and ensure stress-free auto loans in Cheyenne and every other city of the State.

Car Financing for Retirees or Senior Citizens

The major chunk of the driving population comprises of senior citizen and retirees. Some require a car to fuel their leisure needs, while others acquire it as a reward for the long years of hard work. Auto loans help you not only in saving your substantial fixed income, but they also act as a medium to procure your car faster as against buying a car with cash. However, the benefits of car financing are far greater than that.

What is the Key Benefit of applying for Car Financing?

Enables you to buy a newer car

Whenever any amount is spent on repair of an old car, it usually burns a hole in your pocket before it needs mending again. With the help of an auto loan, you can quit spending on repairing and invest the same money into a newer car that will run for a longer period. The best part about it is that the cost is spread over a longer time frame, making it easier to pay. Also, to add to it, planning of finance is in check so you know exactly the amount of payments left for the loan to be repaid.

How can you obtain Car Financing if you are a Senior Citizen or a Retiree?

Down payment as a means to shorten the repayment period

Down payment refers to the initial payment on acquisition of an automobile and the remaining amount is paid through monthly payments. That way when the down payment is made, the overall amount on the loan gets reduced substantially. Thereby, the amount charged on interest is decreased and the monthly payments are mitigated at the same time. It surely reduces the financial burden in the later years, for the senior citizen. In the end, a big down payment points towards one thing - an early mortgage free life.

Advantage of a good credit score

A good credit score can be the decision maker that determines whether a loan will be approved or rejected. Many a times during an application for an auto loan, credit score and repayment history can pose to be a challenge. Due to absence of a fixed income, senior citizens may not be the most preferred group of customers. However, a constant inflow of social security income and other retirement perks prove to be credible documentation for acquiring an auto loan. A good credit score can be a strength in not just establishing goodwill but also negotiating a lower interest rate overall.

Debt-to-income ratio

Once a senior citizen applies for car financing, they may discover that a creaseless credit history and growing retirement accounts are not sufficient. More often than not, lenders look for customers with a steady income. This is to maintain equilibrium between the debt owed to the lender and income earned by the senior citizen. Thus, disclosing income records becomes essential in obtaining an auto loan. With multiple incomes that are healthy, getting approval for an auto loan becomes easy.

Fixed APR

As in any other loan, variable and fixed rates are the parameters on which the interest rate of an auto loan is based. When compared to other loans, one of the major advantages of car financing with a fixed rate APR or Annual Percentage Rate will be that the amount will be constant throughout the term of the loan. This ensures that you will be shielded from any fluctuations in the interest rate. Therefore, the uniform repayment including the fixed APR induces more confidence in opting for an auto loan than other type of loans. Moreover, in your retirement years, it seems best to go for low risk fixed rate loans.

So if you are curbing your desire to buy your dream car or simply holding back, when it actually is a necessity, applying for car financing seems to be the ideal move.

Rapid Car Loans understands the importance of a car in your life. So, it works hard to provide instant approval for you. Trust the bad credit automobile financing company for finding you easy car financing in Pennsylvania as well as every other state of America.

Friday, April 8, 2016

Explore The Major Points Of Disability Loans Before Making The Lending Decision!

If you have any sort of disability that is preventing you from working than you are mostly likely to grab the disability allowance from the government. These financial benefits are helpful to run a smooth life but don’t allow one to save for the rainy day. This is the very reason; disable people find themselves in the financial dilemma when some unexpected financial expenses knock at their door.

In such fiscal crisis, applying for the loan assistance remains the last resort to tackle the situation. If you are on the disability benefits, you can simply get the approval of Disability Loans that is meant to help people like you in their temporary cash hassle.           

These are the fruitful financial option to choose by individual in his/her monetary problem without bothering about his/her disability. With the assistance of online credit market one can simply get hold onto the option perfect for the individual circumstance.

But before making the lending decision it is must to consider its important factors carefully. So, to find the right option for your particular situation, it is must that you check the important details about disability loans that are mentioned below:

1.    Under these services, one needs to bother about risking their personal belongings. These are the unsecured monetary deals that are offered by lender completely on the basis of current financial status of the applicant.

2.    These lending schemes are short term in nature which makes it the right choice in urgent situation only that demand small amount till receiving disability benefits from government. The due date of these services is adjusted as per the comfort of the borrower so there won’t be any problem while making the repayment.

3.    No personal visit to lending store makes it easy and swift to get money without any hassle. Online lender simply verifies the genuineness of details provided in loan application and offers the support that suits applicant’s pocket.

4.     The approved cash advance is deposited directly in the bank account of the borrower within same day of giving loan approval. This help people to use the cash advance on any personal purpose with complete ease.

   People holding the low credit tag need not to face any embarrassment due to his/her past credit mistakes. The lending decision of online lenders do not influenced by the credit history of the applicant. They take the decision completely on the basis of current financial status of loan seeker. So, whatever your credit report shows you can simply get these funds by proving your repayment limits.


If your disability making it tough to arrange cash advance in necessity them do not panic and choose online medium to get disability loans right at your doorway. It is recommended to choose the option that matches to your need as well as pocket to enjoy hurdle less lending experience.               

Tuesday, April 5, 2016

Drinking From the Same Lemonade Stand

I keep my expenses low and pay off debt.

Some don’t.

Does that make me better than them? No. Lately I have been trying to not judge others too harshly on their personal decisions because they are just that, their personal decisions. I can try and explain to my friends and peers the benefits of my financial lifestyle, but at the end of the day, I need to be okay with them choosing their own way. And I also need to be okay with them judging me for my ways as well.

I get aggravated when I watch friends who I know are in student loan and credit card debt go on shopping sprees, finance cars that are way beyond what they can afford, drink all that Starbucks has to offer, eat out every night, and vacation like it’s their job. All of these friends are in their 20s. The decisions they are making now will follow them into the remainder of their adult lives. It is not my place to say my method is better than theirs, but I get aggravated when they casually ask for financial advice, I provide them with such, and they eventually veer off until they are in the complete opposite direction of what we discussed. 

Many think a hyper-focused method of paying off debt is nothing more than an unhealthy Dave Ramsey obsession; brainwashing if you will. However, I disagree. There are many other financial gurus besides Dave Ramsey that practice the same techniques: Warren Buffett, Suze Orman, and Mr. Money Mustache to name a few. They might have differences in their approaches, and I personally relate to Dave Ramsey’s the best, but all 3 teach on the same goal: being debt free. Is it different? Weird? Extreme? You bet. Does that make it brainwashing? No. And unfortunately being debt-free seems all three of those aforementioned things because so many Americans have turned their back on their own finances. I haven’t heard mention of anyone abandoning any beliefs or going through torture of any kind on my debt-freedom journey thus far. Paying off debt is merely a personal discipline in order to better your future. Hard work? You bet. Maybe that might feel like torture for some :) 

In all seriousness, debt pay-off takes WORK, FOCUS, DEDICATION and SACRIFICE, and since those are not normal actions for most people, they wrap the idea of it up as a package labeled CrAzY in their minds. But ask any millionaire how they got where they are, and I bet the answer will have nothing to do with them staying in debt.

For those of us in debt: we were all handed the same frickin’ lemons. As life tells us to do, we make lemonade out of them. Some of us are paying 25 cents to drink it from paper cups and some of us are paying $1 to drink it out of crystal glasses. The ones momentarily sacrificing the finer things in life by drinking from the 25 cent paper cups will be able to afford their pitcher faster and move on to a non-lemon beverage. Those drinking from the $1 crystal will be stuck in their lemon situation for longer than they need to be before they can move on to something better. Either way, it is the same lemonade that we are all drinking, but ultimately, it’s the decision of how we handle it while it is in our hands that counts. Ditch the crystal, drink from paper for a while. You’ll thank yourself later.