If you are having a bad credit and yet desire to purchase a car then it is always better for you to compare auto loan offers provided by various loan lenders. To have bad credit can usually make you susceptible for a higher rate of interest and fees on the auto loan.
By the way, there are three methods through which you can bypass the fees and avail lower rate of interest. This includes to choose a right loan lender and to get approval for a good auto loan. Auto loan for bad credit holders can surely assist them in fulfill their dreams of purchasing a car.
Reasons for Financing a car with Bad Credit
There are lots of bad credit holders in this world who do not intend to obtain a car loan. One of the main reasons for this is because loan lenders review the credit score and report before providing the loan. Most of the people believe that getting an approval for auto loan for bad credit is impossible due to their current financial status.
But, in the actual life it is quite opposite. Actually, auto loans for bad credit are said to be collateral loans which are quite easier to avail. Yes, it is true that auto loans for bad credit include higher interest rate but availing an auto loan is a perfect alternative to boost your credit rating. Even, you may have the alternative to refinance you auto loan once you have enhanced your credit status.
Loan Lenders for Bad Credit Auto Loans
Most of the loans lenders offer auto loans for bad credit holders. Whenever you shop for auto loan it is wise to get different offers from various loan lenders. Some of the loan lenders are always ready to assist bad credit holders for purchasing a new car.
However, there are quite a few loan lenders who hope in making a huge profit from the situation of every bad credit holder. New car buyers can normally fall prey to these schemes. One of the best ways of avoiding these types of fraudulent loan lenders is to verify and compare their rates and offers with other loan lenders.
There are few car buyers who opt for pay here buy here dealership since it helps them in improving their cad credit status.
How can you compare rates and offers on Auto Loans?
In order to get different offers from loan lenders on auto loans for bad credit holders usually requires lots of effort. However, for making this particular process convenient and effortless you have to apply for an online auto loan.
When you decide to purchase a new car from a car dealer then it is better to compare the offers provided by the loan lender with the dealers offer. Doing so will help you in getting a lower rate auto loan. Brokers for auto loans also provide an expensive service. However, in case, you are having bad credit then sub-prime loan lender is one of the best options since they offer best rate on auto loan.
The BLACK Man in the WHITE House: Racism Is Alive and Well in America
The Civil Rights Act of 1964 ended segregation in public places and banned employment discrimination on the basis of race, color, religion, sex or national origin. While this law was created to protect voter's rights and eliminate segregation in schools, restaurants and workplaces, the reality is that 50 years later Americans are still battling with these issues.
While many say racism is over and point to the fact that America has its first black president, Barack Obama's election actually ignited racial tension in the country, rather than ending it. As a result white supremacists, hate crimes and internet sites like Stormfront have grown exponentially.
These extremist organizations are fueled by an increased fear of nonwhites' power in government and the rising number of immigrants that are taking over "their" America. Racists choose to disregard the laws of this country in favor of their own warped ideology.
In the last couple of weeks, Cliven Bundy, Donald Sterling and Paul Ryan made racial comments that went viral, and dominated numerous hours of media coverage. Many Republicans stood up for Bundy prior to his racial comments, even though he was convicted of owing the federal government $1 million and refused to pay it. The NBA took unprecedented action against Sterling. And Paul Ryan defended his statements by saying, "I'm not a racist. I was inarticulate."
Sport franchises, corporation executives and politicians are riddled with racists of varying degrees. Most just have the common sense to avoid public pronouncements of their views, but that doesn't mean racism doesn't exist.
Playing into the racial frenzy that is sweeping our country are Republican governors like Scott Walker, Rick Perry and Rick Scott. All are hoping to suppress minorities' voting rights in their states in order to pass legislation that most Americans, especially minorities, don't support. After all, if only whites could vote, things would be very different.
With this mindset, many Republican Congressional representatives want to roll back the clock to the good ol' days of the fifties and sixties. The Supreme Court is aiding in this mounting discrimination with their recent decision to gut portions of the Voting Rights Act of 1965. This action to quash the Act, which was passed in response to Jim Crow laws is offensive to anyone's sense of fairness and justice for all.
Like the poll taxes and literacy tests of a bygone era, state issued IDs and voter-roll purges, coupled with reduced voting hours are all intended to keep minorities from exercising their constitutional right to vote.
In addition to voting rights, our courts and penal system discriminate against minorities. Young African American men are arrested four times as often as white men for carrying the same amount of marijuana, which is still illegal in most states. These arrests for minor crimes lead many black teenagers to follow unlawful pursuits rather than paths they may have taken without the scar of the arrest on their record. Also in question is the fairness of our judicial process. Two recent judgments handed down by predominantly white juries emphasize this unfairness.
These Florida verdicts vindicated white men who killed African American teenagers. George Zimmerman's "not guilty" verdict for the murder of Trayvon Martin was considered by many to have a racially influenced outcome. In another case that had racial overtones, a jury was deadlocked on whether Michael Dunn, a white man, was guilty of murder for shooting to death a black teenager over loud music. I wonder if the races of the victim and accused had been switched, if the judgments would have been different. Actually, I really don't wonder; unfortunately I know the answer.
Education is seen as one way to lower the number of incarcerated black men and help minorities become productive, tax-paying members of society. Yet, the Supreme Court stepped in and put up a road block making it harder to accomplish this goal.
In an April 2014 decision, the Supreme Court upheld a Michigan constitutional amendment that bans affirmative action as part of the admission process in the state's public universities. Seven other states currently have the same sanctions. States that forbid affirmative action in higher education, like Florida and California, have seen a significant drop in the enrollment of black and Hispanic students in many of their top colleges and universities.
Americans need to take notice of what is happening and not support the rebels that include many Republican elected officials. The diversity, which made our country great, needs to be seen in the leadership of America, as well as its average citizen. Racism is a communal problem and needs everyone working together to make life better, not for just a few, but for all.
The question of how to achieve less racism and more acceptances is complex and has no clear black and white answer.
By Gerry Myers
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