Car Credit Ninja will offer a special rate discount and a Guaranteed Auto Loan Approval Program in exchange for Mandatory Loan Education Program before you apply for your vehicle options. In other words; We will find you the best finance and vehicle options guaranteed but you have to take a one-hour class and test educating you on the effects of high interest loans, inequity and an over extended budget risks.
Some would say the auto industry has taken advantage of people from time to time. Since 1919 General Motor Acceptance Corporation also known as GMAC financed the first $850 automobile ($20,141 equivalent to the 21st century) for the middle class family with 35% down and monthly installments till paid off within a one-year term. Now, you have options to finance up to 140% of what the vehicle is valued with $0 down over the course of up to 7+ years! This makes buying a vehicle affordable, sure. But this also leaves room for dealers to take advantage of big “spreads” of numbers and over charging clients, putting them in bad financial situations just because the opportunity to make a larger profit is there. On the other hand, as American culture has allowed us (The American Dream) to take, take, take the BEST of whatever it is that is in front of us and not think twice, regardless of whether we can afford it or not. So that being said, Who’s wrong?
Car Credit Ninja will implement an Auto Credit Class in hopes to educate each one of its clients of all the responsibly and risks that comes with using a loan to purchase a vehicle. If this class is passed successfully, they will be rewarded with the best finance options that are available to them given their current situation. Proof will be given in a “Truth in lending statement” minus one point in interest rate reduction once approved. A great incentive and opportunity to be educated on a financial decision almost every American will confront several times in their lives, but otherwise might not ever learned not being offered the knowledge. Stay tuned for the class release date!
Why can’t the majority of us make the right decisions when selecting and purchasing a vehicle? Why do we get ourselves into situations where we either owe too much on a vehicle, can’t fix it when it breaks or worse, both?
I am going to answer that for you right now; The world has become so flooded with options that it confuses us to what is the best fit for our needs. Now mix expensive depreciating assets we should be buying once every 3 years, cars, and then, depend on the use of our brains that we have conditioned with habits formed from using the technology we use daily. Hundreds of case study have proven that our attention spans are shrinking. You will surely find more info on that subject in other blogs, but for now, please just take my word for it.
Think of this, we scroll all day looking for the next form of stimulation, whether that be from social media platforms, TV, emails or text. We scroll and then when we find something we select it! Well that’s no big deal when it’s a video or an article that doesn’t cost you thousands of dollars! But when it’s a depreciating asset that you’re likely to pay someone just to borrow the money to buy it, while it deprecates, and then 6 months later after it got that first scratch, you see that shiny new car that you just have to have while you are scrolling through Facebook.
I hope this gives you some insight on how and why we do what we do when it comes to purchasing cars. I see people in awful financial situations far too often to not try to make a change or at least educate people in this predicament to let them know physiologically why they are in it, and how to get out.
Take your time, know what you’re buying, seek consultation. If you are in a situation where you owe too much, then trading again is most likely not that answer. Feel free to visit my website at www.carcreditninja.com and use the contact tab to ask any questions. I pride myself on a reputation of complete honesty with any car related questions I’ve ever been asked, even if it’s not what people want to hear. And sometimes, I think, that’s what people need.
Car Credit Ninja has developed the most efficient way to purchase a vehicle with bad credit without using large down payments for approvals. We only sell cars with equity. Rather than run around to dealership to dealership picking out vehicles you do not qualify for, Car Credit Ninja gives you guaranteed vehicle options up front without ever stepping foot into a dealership.
Step one; Complete our Easy credit application online, use your cellphone to upload pictures of your drivers license and a recent pay stub.
Step two; A representative will call you with an approval and send detailed pictures of vehicle options to your cellphone or email. Once you are comfortable and are fully aware of all the terms, the vehicle is scheduled to be delivered to your home.
Step three; When the vehicle arrives, you have the opportunity to look the vehicle over and make sure it is exactly what you expect, if it is, sign the paperwork and keep the car. If it is not what you expect, send the car back, you are not obligated to anything.
Registration, insurance, delivery is all handled by our professionals.
Have a trade-in? Do you not think its worth much? We offer up to $4000 for your junk trade-in!
Although we made the process very easy, we still need your participation to make this happen. Help us help you get you a safe and reliable vehicle your family can depend on. Click the "get my options now" button below.