If your wheels are dying or if something's gone wrong and you absolutely have to get into a ride, then we can refer you to some outstanding online car loan operations that are a step up from the buy-here, pay-here lots in your town, believe us.

Now truth be told, the difference between a $10,000 loan at 9 percent and 17 percent is only $1.30 a day -- the price of a USA Today and a cup of coffee. If that doesn't seem like a big deal, then apply right now using our secure online car loan application.

BUT IF YOUR WHEELS ARE NOT DYING and if you're just RESEARCHING, then you're in luck because you've arrived at the home of the Car Loan Checklist. Take some time, follow these steps, keep your nose to the grindstone AND SAVE YOURSELF THOUSANDS OF DOLLARS!

Seriously: Why should you let bankers and car dealers take advantage of your situation? Anybody who follows the news knows how things are going in the economy -- it's not your fault if you got laid off and made some late payments; if you had a medical emergency and got behind. This happens all the time nowadays but the bankers don't care -- all they see are numbers. Well guess what? We will refer you to car loan companies where YOUR CHARACTER is just as important as YOUR CREDIT RATING.

So here's the deal. If you're in a hurry for a ride, go ahead and read some of the advice on this site, do some of the short-term, quickie basics, and apply via our online auto loan application that takes, on average, just 69 seconds to complete.

If you're not under time pressures, think about the longer-
term fixes for your credit situation detailed on this site.

Think we're kidding about saving thousands of
dollars? Do the math -- a $10,000, four-year loan
at one of those 20 percent interest outfits is a
payment of $304 a month or $14,592 overall. At
eight percent, it's $244 a month, $11,712 overall,
and that's a savings of $2,880! So let's get
started, eh?