Unfortunately, most communities in the nation require a car for everything from getting to work to picking up the kids and on to shopping at the commissary. A car is necessary to a most households and military service members and their families are no different. By taking a military auto loan, you may be heading off high interest rates in exchange for quick processing and approval times and straight-forward and uncomplicated contracts.Looking at Interest Rates and Other BenefitsMilitary auto loans are usually available at lower interest rates, due mainly to your job and income stability. A lender is pretty much assured of regular payments and can offer you more benefits. Among them are:- Longer time to pay off the loan. – 100% car financing, no down payment. – Lower charges for taxes, licensing, origination and activation fees. – No collateral as the car itself becomes the security. – No prepayment penalty. – No U.S. domicile requirement, very handy if you are deployed overseas.Flexibility on Credit ScoresMilitary auto loans usually have a lower credit rating benchmark than civilian loans. Most military auto lenders understand the precarious position of armed services members and understand that a military lifestyle makes some untoward demands that can result in lower than usual credit scores. Your credit scores will not be as important as the salary you make compared with your debt load. This debt-to-income ratio will be the final arbiter of how much you can borrow. Some lenders offer no credit check, military auto loans if you have particularly poor scores.Flexible Repayment TermsFirst of all, military or civilian, missing a payment is a high crime against yourself and your lender. But, you are in the military and sometimes because of deployments and relocation it can be difficult. Often lenders will allow postponement of payment or delay of payment due to financial difficulties. You will not find that with civilian loans. You can also consider giving Power of Attorney to your spouse or another trusted individual so they can make decisions and payments on your behalf. You can have the paymaster allot payments from your paycheck directly to the lender. Or you can have the payment automatically taken from your banking account. Of course, debit and credit cards, checks and cash are always acceptable.Active Duty Military Personnel CriteriaTo avail yourself of a military auto loan you should be on active duty, even if your time in service has been short. (Military veterans can usually avail themselves of a military auto loan as well.) The lender will ask to see your most recent Leave and Earnings Statement (LES). You will have to offer a home of record and current deployment details. Always notify your lender should your situation change regarding deployment or relocation. You will also need to divulge your duty station address, personal contact information such as phone number and email address, and your social security number (SSN).Going Online for Your Military Auto LoanIf you point your browser to Military Auto Loan you will be rewarded with many pages of lenders who are willing to help you get in the driving seat. Just be sure they are reputable and that any pages where you divulge financial or personal information are secure. Any required documentation can faxed or scanned to the lender. Your approval should come through in a matter of minutes and your funds should be in your banking account within 24 hours. The nice thing about arranging a military loan online is that you can do it all remotely no matter where you are stationed and not matter where your family might be. You could make the arrangements in Iraq and your wife could go pick up the car in Seattle, for instance.
When looking to purchase a car, most people will do so with the help of an auto loan. Auto loans are also affected by your credit rating therefore it is a very important consideration. There are certain things you should know pertaining auto loans especially if you have a poor credit rating. The first thing you should expect is that the dealer will press you for a down payment if your credit score is low. However, this is not a requirement for getting an auto loan with bad credit. Many people usually have the misconception that financial institutions cannot grant an auto loan in case the applicant has a bad credit rating. This leads them to the showrooms, which means they have to pay extra in terms of money and time. the best advice is to try out your personal financier before you hit the showrooms. If the loan is not granted then you can go for the showroom option.Advantage of an independent financier
When you get financing for your auto loan from an independent source you will avoid letting the dealer avail vehicles on a specific budget. This is because you will have your own budget and therefore have access to different cars within that budget. Its human nature for a person to be free to make his or her choices and therefore choosing your car should not be dictated to you.In most cases the independent financiers offer much better deals than the ones offered at the showroom. If you have poor credit ratings most of the local dealers will take advantage of your situation and offer you less than perfect deals. Some rogue dealers will offer you financing only at very high interest rates citing various reasons such as banks demanding extended warranties and such. This is not the case with the financial institutions as their core business is giving out loans.When going for an loan, you should consider the type of vehicle that you are buying. The first thing you should understand about purchasing a car is that it is a depreciating investment. This means that it is much better if you can be able to tidy up your finances first before you go for the auto loan. if the car is an absolute necessity, then you can go ahead and purchase it. However, it is also good to consider the model you are going for. Some of the models might be too expensive and will only serve to ruin your finances.Why is it possible to acquire a bad credit auto loan nowadays?
Unlike some time back many companies have come up that specialize in the provision of bad credit loans only. The use of the internet in the provision of these loans also means that you are no longer restricted to your region or city in terms of acquiring an auto loan. This means that the person with a bad credit rating now has more choice when it comes to acquiring an auto loan. The only thing that is required is to carry out the necessary research in order to find the loan that will be a perfect fit.
There are a number of options to choose from when looking to obtain the education needed to enter into the health care field. Students can enroll in an accredited online school or college to receive the training they need for a career in this exciting field. Gaining an accredited education can be done in various areas such as health information technology, physician assisting, public health, and much more. Students have the opportunity to obtain certificates and degrees at a number of levels based on their desired career.Online educational training programs allow students to prepare for their desired career while studying from the comfort of home. Accredited online programs give students the opportunity to obtain a number of certificate and degrees in health care. Students can pursue a certificate, or associate, bachelor, master, or doctoral level degree in this exciting field. Certificate programs can range from six to eighteen months depending on the desired career.
Associate level degrees require students to complete two years of study and prepare those who wish to pursue a bachelor degree in the field.
Bachelor degree programs can take students around four years to complete and will provide the training needed to pursue a graduate degree.
Master degrees in health care can take an additional two years of study to obtain.
Doctoral degrees can require an additional four years of training depending on the students goals. With an accredited certificate or degree in the health care field students can pursue a variety of careers. Training will provide the skills and knowledge needed to have a successful career in this fast growing industry.There are numerous career possibilities for students who choose to enter into the health care field. Students can pursue the specialized career that fits their individual goals and needs. Training is available in a number of areas and can provide students with the training needed to enter into the workforce prepared. Possible career areas include:
Health EducationHealth Information
Health SciencesPhysician AssistingPublic Health…and much more.Training in these specific areas of the field will allow students to seek out employment as:
Health EducatorsHealth Sciences Professionals
Health Information TechniciansPhysician Assistants
Public Health Workers…and more.Students who pursue an accredited online education in health care can expect to gain the careers they desire. Students will need to complete a variety of coursework in order to obtain their desired level of education.Possible areas of study for an education in this field will vary by level of education desired and specific area of study. Students can expect to learn subjects like:
Social and Behavioral Science…and many other related courses. Training will prepare students to pursue the career of their dreams in health care.Accredited online health care programs are available to provide students with the training needed to enter into the workforce prepared. Full accreditation is provided by agencies like the Distance Education and Training Council (http://www.detc.org) to online schools and colleges that offer a quality education. Students can start the path to the career of their dreams by enrolling in the program of their choice today.DISCLAIMER: Above is a GENERIC OUTLINE and may or may not depict precise methods, courses and/or focuses related to ANY ONE specific school(s) that may or may not be advertised at PETAP.org.Copyright 2010 – All rights reserved by PETAP.org.