Everything you need to know about car loans

A car loan can be defined as a type of a personal loan that is used to purchase an automobile. Here is what you need to know before you get a car loan:

Interest rates: The first thing you must do before applying for a car loan is to check the interest rates provided by various banks and financial institutions. There is no standard rate of interest and even fluctuation by a little margin can be beneficial to the customer.

Credit score: Having a good credit score is a must, to obtain a car loan. Low credit score will affect the chances of your request being denied. In the period before attaining the loan, one must keep a tab on their credit score. If your credit score is not satisfactory, it would not be too late to try and improve it.

EMI: Considering that the loan will usually be paid through this option, it is always a good idea to calculate the value of the EMI while getting a car loan. This way you will be aware of the amount of money you will have to spend every month to repay your loan. The EMI value will also give you an estimate of the number of months that you will be paying off the loan for.

Service tax: Service tax is something you as a customer are not allowed to complain about. It is always better to enquire about the service tax in advance to know how much needs to be paid. Many banks charge the tax in a small amount on a monthly basis, where as other banks charge a lump sum over the period of a year.

Schemes and offers: It is always better to have knowledge of the schemes and offers provided by the bank. This is one way to save some money and avail a right car loan at the same time. If the schemes work in your favor, you may even get a customized loan.

YOU MAY ALSO LIKE

  • Way to unlock sprint iPhone

    Way to unlock Sprint iPhone

    To purchase an iPhone via a carrier seems to be the most convenient way of buying one, but it has some disadvantages as well. If you wish to switch between these networks like 4G, you should meet certain minimum requirements and meander via hoops in order to unlock the phone. Though Sprint is difficult than that of the Verizon, Sprint is absolutely flexible when it arrives to unlocking your iPhone if it is seriously tied to Sprint.

    Is it necessary to unlock my Sprint iPhone?

    Unlike Verizon, which has got the simplest unlock policy, Sprint has very confusing policy with various rules that depends upon the time you buy your phone. Suppose you have purchased latest iPhone after 2015 (February), it automatically unlocks your iPhone for domestic purpose till it becomes eligible. You don't have to approach customer service or make unlock request, because it operates automatically. Instead, the carrier will intimate you as soon as your phone becomes eligible for unlocking, and you must make an unlock request.

    You don't have to contact customer service or make an unlock request. Unlock will be applied automatically. If you purchased your phone before February 2015, Sprint won't unlock your phone automatically. Instead, the carrier will intimate you once your phone becomes eligible to get unlocked, and you must initiate an unlock request.

    Actually, Domestic as well as international unlocks are operated separately. Thus, you should ensure to complete both requests, else, you may find yourself with a phone that can be used internationally on any carrier but is still locked in the US.

    How to unlock my iPhone on Sprint?

    To unlock the phone, it is essential to follow the below criteria.

    • The device is absolutely Domestic SIM Unlock.
    • The device is usually active over the Sprint network for about minimum 50 days.
    • Ensure that device is not lost/got stolen, neither it should be engaged in fraudulent activities; else, the device becomes ineligible to get unlocked.

    What to do next after unlocking iPhone?

    When you unlock the iPhone, you can easily use your iPhone on another carrier by following the below guidelines.

    • Firstly, you need to switch-off your iPhone, and remove the existing SIM card from your phone.
    • Insert the new SIM card in the SIM card slot via different carrier, and restart the iPhone.
    • Once the iPhone restarts, you can simply follow the on-screen instructions in order to complete the setup process.

  • How to ace your first online purchase for the cheapest tires
    If you are iffy about buying tires online, then don't be. Like numerous other products, the process of buying tires online has evolved on an amazing level. It simply just doesn't involve the plain order and deliver. Online retailers today are making a genuine effort to scale and understand a buyer's requirements and concerns. And you can ace your first purchase at buying the cheapest tires from a website, but how? By researching and planning in a certain way! There are plenty of popular online sellers for tires, providing an amazing line, brands and products. You will find tires for different kinds of cars, bikes or trucks. This will be of great assistance as you have an extensive selection which you might not find at an auto repair shop or dealership. These websites have a well maintained customer service to reach out to the buyers and to resolve any of their existing concerns about the products and the delivery. Buying tires online has one big advantage that they are extremely economical for most types, unless you're a race driver you don't need to fuss about the costs. You can find great quality tires at the cheapest rates. You can easily surf and compare, and choose what offers work for your own benefit. If you're concerned about the unavailability of the installation service, websites like Tire Rack, Tire Buyer and Simple Tires, to name a few, have an excellent assistance service which will help you narrow down the best local installer in your vicinity, if you don't happen to have one. They also offer delivering the tires directly to the installer, so that you can get started with your services as soon as possible. They attempt to make the fastest transfer as well, you can even have your tires delivered at your doorstep by the next day. Apart from cheapest tires you can also find rare parts and accessories which are not readily available in the market. A few websites have blogs and review columns which help them inform the consumers with comparative analysis and the real time performance of various different brands of tires. Other than this you'll also have the chance to explore amazing amount of content uploaded on the blogs of these websites. This gives you an opportunity to stay updated with the upcoming trends and happenings of the automobile sector. Let's hope that the next time you buy tires online it is a laid back process and not a tiring one.
  • 6 factors to consider before selecting a pest control company
    There are many pest control businesses in the online space today who tout themselves to be the best in industry. As such, it is sometimes hard to pick out the one who actually delivers the promotional claims. Here is a list of things you need to analyze before you finalize a pest control company for protecting your home and workplace.
    • Qualifications Check to see how the company adapts to changes issued by the authorities on regulations, products, safety measures and techniques. They must also have an appropriate license issued by the State Pesticide Regulatory Office.
    • Experience Check the duration for which the pest control company has been operational, the relevant expertise in the kind of extermination you are looking for, the method of training and the level of knowledge possessed by workers.
    • Value A lot of companies offer a contract. Work it out smartly if it is an investment you’d like to make, which may benefit you in the long run. You also need to check if they provide a complete guarantee of their work or there are riders attached to their agreements. 
    • Reputation Every pest control company will boast of its credentials. Look for genuine customer reviews. If you are looking for reviews online, check to see if the companies have any sort of partnership with the websites for promoting them. All websites have to mandatorily inform their readers of this arrangement with a disclaimer.
    • Customer service A buyer is always the king. When you talk to these companies, be clear about your needs. If they cannot address you and your concerns, then keep looking for other options. 
    • Safety Ask for information on the pest control products they use and their possible side effects. It is a primary piece of information that everyone must provide to their consumers. 
    It may take a while to arrive at a conclusion, but bear the long term aspects of such critical deals.
  • Three most popular extra wide women’s shoes
    Getting the wrong shoes can be a pain and we mean - literally. Feet come in different shapes and sizes and not to forget widths! Narrow shoes will land you in a world of pain while wide width shoes will provide comfort and adequate cushioning especially if your feet are wider than average. They accommodate big feet, making walking or simply leaving them on much more comfortable. If you have wide feet then consider wearing wide calf boots. You may find that it helps the alignment at the back of your feet, improves posture and reduces wear and tear in the calves and ankles. It enhances breathability, promotes wider and smoother range of motion and protects your feet. Here are the three most popular extra wide women's shoes for those who have big feet. Vionic Womens' venture lace up sneaker: Equipped with Orthaheel Technology, these sneakers come in sizes six through twelve. These shoes are made for ladies who love bringing their workout to work. They come in color combinations like silver and pink, black and blue, white and grey. It also comes in solid colors of turquoise and fuschia. Of course, there are many more combinations available. The sneaker is airy and lightweight, owing to its durable mesh. There is a removable rubber outsole which comes with an orthotic footbed. Do your feet have a medical condition that needs to be customized footbeds? You can replace the removable EVA footbed in the sneakers too. The sneaker is available as a pair of 2E extra wide width shoes. SPIRA women's wide width shoes: A classic looking pair of sneakers that comes in white with a minimal design. These shoes are the perfect fit for anyone who walks long hours on top of hard surfaces like concrete. Available in sizes six to twelve, the simplistic design is a treat for all. The sides of these shoes contain perforations which enhance breathability which keeps your feet cool and dry all day long. The color choices available for these sneakers are black, white and off-white solid. These wide width shoes are available in 2E extra width as well and are best known for their durability. GEL-foundation walker 3 By ASICS: This shoe is spacious on the sides and wider than most average wide width shoes for women. It will make sure you never encounter cramped quarters for your feet. The lace closure is seven eyed and the shoes aren't bulky. They are perfect for playing tennis, exercising or taking a run in the gym. Every stride you make will feel very comfortable with the help of its padded tongue and collar. Color choices come in combinations of black, silver, and white. The sock liner prevents any moisture from being accumulated in your shoes as you go about your business throughout the day.
  • Factors to consider while choosing a hybrid mattress
    People often go for hybrid mattresses when they aren't ready to take the leap to a complete memory foam mattress. The best hybrid mattresses have a combination of memory foam layers and innerspring system. This combination in mattresses not only provides comfort but also offers pressure relieving benefits. Most hybrid mattresses typically have coils that are of the same size as innerspring mattresses; however, they also use memory foam to provide contouring and support. When it comes to the lifespan of these mattresses, it makes sense to spend on a hybrid mattress as most of them last for almost 10 years on an average. However, with proper care, you can increase the lifespan of these mattresses by a few more years. Mattresses are often bought for a couple of years, which makes it important to buy the best one available. There is a wide variety of hybrid mattresses in the market, to choose the best one, consider the factors below to finalize on the best one for you: Size- You may choose the size that is perfect for the space in your room and as per your requirement. The standard sizes available in hybrid mattresses include queen, king, California king, twin, twin XL, and full/double. You may also find the split queen, king, and California sizes. Thickness- The thickness of most hybrid mattresses is at least 10 inches. However, the variations in thickness in hybrid mattresses you will find will be between 5 inches to 15 inches. You must choose the thickness as per your body weight to get the best hybrid mattress. Durability- As mentioned earlier, most mattresses will perform for at least 7-10 years. However, the durability depends on the material composition of the mattress. Therefore, focusing on the material is important to ensure durability. Conforming ability- Some hybrid mattress conforms closely to the sleeper's body while others don't. Therefore, irrespective of the quality of the mattress, you can make sure you purchase the one that suits your need of comfort. Also, you can buy the best Tempur-Pedic mattress for its conforming ability to ease the pain in the lower back. Firmness- The firmness of a hybrid mattress is often dependent on two factors that include sleep position and sleeper's weight. If you typically sleep on your side, you should opt for a soft mattress and if you sleep on your back or stomach, you should go for mattresses that are "medium firm" or are primarily firm. Motion isolation- If you share your bed with someone, then a motion isolation can be an important quality in a hybrid mattress. It prevents the movement of the entire mattress, which is caused when someone moves in the bed. Thus, it reduces night-time disruption. You can shop for the right hybrid mattress for you in several stores available to you across the country. Some of the best hybrid mattresses are available in online retail stores, as well some of the brick and mortar stores that include US-Mattress, BrandsMart USA, Mattress Depot USA, and more.
  • How to Track a Cell Phone Number
    Tracking a cell phone number is illegal in the country if you are an ordinary civilian. It is a federal crime even if you know how to track a cell phone number. However, you can do it if you are confronted by a specific situation that necessitates cell phone tracking, such as to ensure that the person using the phone is safe, or if your phone has been stolen and you want to trace it. For all these scenarios, you need special permissions for the same. Even law enforcement officials need a warrant if they want to track you using your phone number. If you are wondering how to track a cell phone number without getting into trouble, the following are some of your options.
    • Using cell phone carriers All the major telecom companies in the country, like Verizon, T-Mobile, and AT&T mobile offer a paid feature that allows you to track cell phone numbers attached to your account. To use this service, you require permission from the number you want to track. Therefore, this method is completely legal. Using this service, a user can keep track of family members and friends and ensure their safety.
    • Using smart-phones The invention of smart-phones has made tracing cell phone numbers an extremely easy task. If the number or person you are trying to track uses a smartphone, you can track it using your own smartphone. The Android device manager of Android phones lets a user track any Android phone using the Internet, but this works only if the GPS setting is switched on. Apple users can use the Find My iPhone app or Find My Friends App to trace any iPhone using another iPhone.
    • Using third-party apps This is the trickiest method on how to track a cell phone number because tracing a cell phone number using a third party app needs a written permission, else you may end up in legal trouble. There are many third-party applications like mSpy and Find My Friends that let you track a phone number using GPS. One other issue with this method is that both the phones, the one being tracked and the one used for tracking, need to have the app installed on them. Therefore, you will have to physically access the phone that you want to track and install the app on it, which might not be as easy as it sounds.
    You may go ahead and try these methods, but you have to make sure that you are following all the legal rules and do not end up behind bars.