The Car Loan Professor
FREE!!! Straightforward Advice from an Industry Professional with Direct Lender Access will Save You Hundreds of Dollars!

GOOD to BAD Credit or NO Credit...We Can Help You Help Yourself!!!

Site Map                                                                                                                                                                                     Site Map


SITE MAP

HOME PAGE

    3 Easy Steps

        Step 1) Learning Center

        Step 2) Direct Lender Access

        Step 3) Buy Your Vehicle

    Our Commitment


ABOUT US

   Meet the Founder & CEO

    Our Mission

    Web Site Overview

    The Choice Is Yours:

        Get Started


        Direct Lender Access

        Auto Insurance & More


GET STARTED

    Step 1) Learning Center-Guidelines for 
                   Automatic Car Loan Approval.

        The Five Elements of Car Loan Approval:
            1) Credit History and Score
            2) Vehicle Year and Present Mileage
            3) Loan-To-Value (LTV)
            4) Payment-To-Income (PTI)
            5) Debt-To-Income (DIR)

        How Car Dealers and Other Car Loan Web 
          Sites Cost You Money
.

        Avoiding the Middleman's Mark-Up.

    Step 2) Direct Lender Access-Apply with
                   Three Recommended Auto Lenders.


        Good Credit Auto Lenders

        Less Than Perfect to Bad Credit Lenders

        No Credit Auto Lenders


    Step 3) Buy Your Vehicle-Receive Your Car
                   Loan Proceeds.


       How and Where To Use Your
         Car Loan Check.


       How and Where To Use Your
         Car Loan Packet.
 

         Receive Your Approved Car Loan Proceeds by
           Electronic Funds Transfer.


         Receive Your Approved Car Loan Proceeds by 
           Visiting a Local Branch.



CAR INSRUANCE & MORE

    Car Insurance

    Term Life Insurance
        (Cheeper than Credit Life)


    Warranty/Service Contract

    Credit Bureau Reports

    Vehicle Locators

    Short Term Loans

    Auto Parts & Accessories

    Vehicle History Reports



FREQUENTLY ASKED QUESTIONS

    Why Should I Use "The Car Loan Professor" for 
      All of My Car Loan Needs?


    
What Can I Do If I Am Not Approved or Turned
      Down For My Car Loan?


    Costs?

    Where Can I Buy My Vehicle?

    What If...

    
For What Purposes Can I Use My Approved
      Car Loan/Check?


    
Questions about My Car Loan Application &/or
      Approval &/or Check?


    Lender Information.

    Co-Signer &/or Co-Applicant Information.

WORK SHEETS

DETERMINING VEHICLE'S TOTAL PURCHASE PRICE
No Trade-In
NEW & USED Vehicles


DETERMINING VEHICLE'S TOTAL PURCHASE PRICE
Trade-In and No Pay-Off Balance
NEW & USED Vehicles


DETERMINING VEHICLE'S TOTAL PURCHASE PRICE
Trade-In Possessing a Pay-Off Balance
NEW & USED Vehicles


***

TAX CALCULATION
State Specific: Purchase Price or Trade Difference
NEW & USED Vehicles


***

TOTAL GROSS MONTHLY INCOME AMOUNT
Married and Un-Married Applicants

CALCULATING GROSS INCOME AMOUNT
Hourly Employees Without Overtime


CALCULATING GROSS INCOME AMOUNT
Hourly Employees With Overtime


CALCULATING GROSS INCOME AMOUNT
Salary Employees


CALCULATING GROSS INCOME AMOUNT
Set/Fixed Income Amounts (i.e. Alimony, Child Support, etc.)


CALCULATING GROSS INCOME AMOUNT
Alternative Method


***

DETERMINING MAXIMUM LOAN-TO-VALUE (LTV) AMOUNT
Good Credit Quality/Lenders
NEW & USED Vehicles


DETERMINING MAXIMUM LOAN-TO-VALUE (LTV) AMOUNT
Less than Perfect, Bad & No Credit Quality/Lenders
NEW Vehicles


DETERMINING MAXIMUM LOAN-TO-VALUE (LTV) AMOUNT
Less than Perfect, Bad & No Credit Quality/Lenders
USED Vehicles


ANALYZE RESULTS: ELEMENT #3. LOAN-TO-VALUE (LTV)
All Credit Qualities & Lenders
NEW & USED Vehicles


***

CALCULATING YOUR VEHICLE'S LOAN PAYMENT
Payment Calculator


CALCULATING MAXIMUM PAYMENT-TO-INCOME (PTI) AMOUNT
All Credit Qualities and Lenders
NEW & USED Vehicles

ANALYZE RESULTS: ELEMENT #4. PAYMENT-TO-INCOME (PTI)
All Credit Qualities & Lenders
NEW & USED Vehicles


***

CALCULATING TOTAL CURRENT MONTHLY PAYMENTS
(Include Payment Associated With This Vehicle Purchase)


CALCULATING MAXIMUM DEBT-TO-INCOME (DIR) AMOUNT
All Credit Qualities and Lenders
NEW & USED Vehicles


ANALYZE RESULTS: ELEMENT #5. DEBT-TO-INCOME (DIR)
All Credit Qualities & Lenders
NEW & USED Vehicles



CONTACT US



PRIVACY POLICY