Car Lots USA

#car lots

Used Car Lots and Loans Online!

Planning to buy a pre-owned car or truck? With pre-owned vehicle pricing at an all-time high, finding a good used car lot is of crucial importance.

At Car Lots USA, we connect used car shoppers with dealerships, simple as that. We provide an effective two-step methodology for finding the best car or truck at the right price:

  1. Get Approved For a Car Loan Ahead of time: In today s market, trying to get your credit approved in person has become a waste of time. With your financing arranged upfront, you will have more negotiating power, less anxiety, and a more fulfilling shopping experience. When you submit your application via our system, we match you to the best used car lot, considering elements that include where you live, your finances, your credit history, and the amount of money you put down. Click here to apply online.
  2. Check Car Price Quotes Online: If you want to receive the best possible price on your car, truck, or SUV, you need to look at price quotes from multiple dealerships where you live. Even if you already found a dealer through step 1, getting price quotes from competitors can give you the ammunition you need to get a lower price. Just select the make and model of the vehicle you re hoping to buy, and you will receive price estimates from up to four competing car dealers in minutes. Click here to compare car pricing.

Don t be fooled by imitators. Very few agencies can offer such a wide-ranging network of car dealers. Very few.

Car News @ Top Speed

#car in

Serena Williams And Amy Schumer Featured In The 2016 Pirelli Calendar

Since 1964, tire maker Pirelli has been producing calendars. Each of the twelve months are usually graced by a scantily clad female photographed in an artistic manor. The calendars, still filling their role as a marketing device, have carried many different themes through the decades, though never departing too far from the soft-core exposure of the feminine form.

That has changed for 2016.

Shot by photographer Annie Leibovitz. the upcoming edition takes a new approach to the annual publication. Gone are the seductive stares of bare-breasted 20-somethings, replaced by the weathered, soft smiles of well-known women who have, in several cases, spent decades making a name for themselves by bullishly fighting for their place in modern society.

The lineup of ladies includes the hugely influential Yao Chen and Tavi Gevinson, two actress and social media moguls, along with pop culture icons Yoko Ono and Patti Smith. Tennis legend Serena Williams and comedian Amy Schumer are present, as well as film director Ava DuVernay and film producer Kathleen Kennedy, whose latest works include Selma and the newest installment of Star Wars. respectively.

The traditional model-type isn’t completely abandoned, as the Russian supermodel Natalia Vodianova appears on January’s page. Her look, however, falls right in line with the other women in the calendar. A strong motherly presence shines through the image as she holds her baby while draped in a satin robe. It’s sensual, yet very tasteful.

The very fact I’m writing this (and you are reading this) shows Pirelli’s well-hatched plan of deviating from the normal. Perhaps the cue was taken from Playboy. which announced in October that its monthly magazine would no longer feature nude photographs. Regardless of Pirelli’s inspiration, its 2016 calendar is getting far more attention than it otherwise would have. Suddenly it’s popular to be PG-13.

Continue reading for the full story.

Car Payment – Affordability Calculator

#payment calculator for cars

Car Payment and Affordability Calculator

What to Consider for Car Payments and Affordability

Auto Ownership Education Center

Actual price and payments may be different due to local rebates, specials, fees, and credit qualifications. Consult your dealer for actual price, payments, and complete details. View Disclosures.


This tool provides estimated monthly payments and estimated APRs for illustrative purposes only. Actual price and payments may be different due to local rebates, specials, fees, and credit qualifications. Consult your dealer for actual price, payments, and complete details.

Pricing shown may exclude a document fee, destination/delivery charge, taxes, title, registration, service contracts, insurance or any outstanding prior credit balances. Optional equipment not included. Option pricing is based on the manufacturer’s suggested retail price.

For purposes of calculating your monthly payment, the estimated Manufacturer’s Suggested Retail Price (MSRP) was used. Not all terms are available in all areas. Terms may vary based on creditworthiness.

The price shown is for qualified, eligible customers. Actual dealer price will vary.

Many variables, including current market conditions, your credit history and down payment will affect your monthly payment and other terms. See your local dealer for actual pricing, annual percentage rate (APR), monthly payment and other terms and special offers. Pricing and terms of any finance or lease transaction will be agreed upon by you and your dealer.

The estimated monthly payment is based upon the credit rating of 800.


An APR is the cost of your credit as a yearly rate. User APR Payment calculations are based an APR and term. The initial APR is provided for estimation purposes only and you may change it at any time. However, you may not be able to finance your vehicle at this rate. See your local dealer for details and actual available terms and conditions.

You may not be able to finance your vehicle at the rate provided.

Incentives and Rebates

Incentive and finance offers shown may not be available to all customers. Incentives lists are examples of offers available at the time of posting and are subject to change.

Not all incentives can be redeemed together. To take advantage of rebates, incentives and/or financing offers you may be required to take new retail delivery from dealer stock by the expiration date noted.


The “Net Trade-in” is an estimate only and many factors that cannot be assessed without a physical inspection of the vehicle may affect actual value. NADAguides is not responsible for and does not guarantee the “Net Trade-in” information. Please see your local dealer for information regarding actual trade-in availability and value.

ZIP Code

Your ZIP Code helps us calculate your payments and offers.

Images shown may not necessarily represent the actual vehicle used to calculate the estimate. Vehicles shown may have optional equipment at additional cost.

Car loan interest rates

#car loan interest rates

Our lenders:


At you’re not a number. You’re a client. That’s why, unlike others, we treat you like a real person. It’s also why you’ll deal with a real person. Every Car Loans customer like you deals with a personal consultant. You’re not calling a call centre, where you’ll talk impersonally to the next available operator. You’ll talk to your own specialised car finance consultant who will manage your application and delivery – every step of the way. After all, you’re a real person – so we’ll give you a real person to deal with.


When you make the decision to purchase a vehicle, the last thing you want, the last thing you need, is to get bogged down in red tape. At we know how to arrange car loans fast. We’re professional, we’re efficient – we’re quick. We know exactly what reputable lenders need to process and approve your application in the shortest possible time. We work hard to make car finance easy for you .


We have access to a wide range of reputable Australian lenders. so we can present you with a competitive range of finance options – all in plain English. You can see the alternatives, and make relevant, clear-cut comparisons, quickly. We help you decide which car loan product, from which reputable Australian lender, suits you best. We prepare the options; you decide.

Type of Car Finance

Personal Loan

Car Loan

Chattel Mortgage

Commercial Hire Purchase

10 Tips for Choosing the Right New Car












Many deals sound too good to be true – generally because they are. Most zero percent car finance offers certainly fall into that category. They are definitely a good marketing strategy – because they increase inquiry rates at dealerships – but they are seldom a good deal for customers.

When choosing finance it is essential to look at the overall deal rather than do what the marketers want – which is to see you focus exclusively on the zero.

Generally, it is almost always cheaper to negotiate a significant discount on the price of a new car, and arrange the most affordable independent finance available.

Brooklyn S

Car Loan Value

#used car values nada

Car Loan Value

Informed consumers should know the car loan value of any car they’re considering purchasing. Determining car loan value is similar for both new and used cars. If you don’t know a car’s value, you can’t expect to get the best possible loan.

Other Car Loan Value Terms

When dealing with a car loan you might hear other terms with the word “value” attached, besides car loan value. Other terms you might encounter include: loan value, retail value and book value. These terms all refer to a car’s value but are called different names by car value assessing organizations. All the terms are used to assess your car for a loan and include the same basic components:

* The car’s make and model

* The car’s mileage and safety record

* The car’s transmission type

* The car manufacturer’s suggested retail price

* A car’s additional features like airbags, electronics and audio systems.

How to Determine Car Loan Value

There are several ways of determining car loan value. Usually when someone is talking about car loan value they’re referring to used cars. There’re three nationally recognized, widely used car valuation guides: NADA, Kelly Blue Book and Black Book. You can access all three car value guides online with no charge.

Which book is used to determine the value of your car is dependent on what part of the country you’re in. Car values vary in each book and can vary from one geographic region to the next. Certain cars demand a higher price in certain regions. For example: four wheel drive cars are typically more popular in the south than in other areas of the U.S.; therefore, a car could have a higher value in Texas than in New York.

New Car Value and Car Loans

For new cars, research how much a dealer has to pay. That value is called an invoice price. NADA, Kelly Blue Book and Black Book all show dealer cost before any other car manufacturer discounts. Most car loan lenders consider true dealer cost as the basis for determining how much they will loan for a car.

For example, if dealer cost on a car is $25,000 and they sell the car for $27,500, a lender may approve a car loan for 100% of dealer cost or $25,000. The car loan lender uses dealer cost to determine the car loan value.

How much over dealer cost you pay usually affects how much down payment is required. That’s another reason to go online and research your car and its value, so you can negotiate the best possible price!

Understanding car loan value will save you money in the long run, so do your research before applying for your loan!

Apply Online Today

Toyota, Scion New – Used Car Dealer – Toyota of Wilmington Serving Jacksonville – amp; Wilmington, NC

#new and used cars

Featured Price: $25,612.00

Hendrick Toyota Scion of Wilmington of Wilmington, NC is a member of Hendrick Automotive Group and family. All Hendrick Automotive Group pre-owned inventory is available at

Site Map

28547 Serving Camp Lejeune 40 miles

Wilmington NC Auto Dealer

Come visit us at Hendrick Toyota Scion of Wilmington, your local Wilmington scion or toyota dealer. The staff at Hendrick Toyota Scion of Wilmington is ready to help you purchase a new scion or toyota or used car in Wilmington, NC. When you visit our Wilmington area car dealership, expect the superior customer service that you deserve. With years of experience and training the Hendrick Toyota Scion of Wilmington team will get you into the scion or toyota vehicle that is right for you. Get the new scion or toyota or used car in NC that you have been looking for by calling 910-660-0761, or by visiting Hendrick Toyota Scion of Wilmington today. You’ll find great deals on new scion or toyota and used autos at Hendrick Toyota Scion of Wilmington with our scion or toyota leasing and financing offers. The Hendrick Toyota Scion of Wilmington team is committed to excellence and making your car-buying experience a positive one. We strive to earn your trust so that you’ll make Hendrick Toyota Scion of Wilmington your last stop when buying or leasing a scion or toyota. Visit our scion or toyota showroom in Wilmington and experience first-hand the level of service and satisfaction that will make you a regular Hendrick Toyota Scion of Wilmington customer.

When it comes to high quality, competitively priced used cars, trucks, vans and SUVs in NC, Hendrick Toyota Scion of Wilmington is the right choice. Hendrick Toyota Scion of Wilmington strives to maintain a huge selection of used cars by today’s top auto manufacturers. Get a used car in NC that has been though a detailed inspection by our trained service technicians and will run like new for many years to come. If you are looking for a used scion or toyota in NC and need assistance, complete our Locate a Vehicle form and we will track down the used car you are interested in. Searching for a used vehicle near Wilmington? Browse our online inventory for your next Wilmington used car, truck or SUV. We are a scion or toyota dealership in Wilmington, NC, with used scion or toyotas and many other used car deals in Wilmington, NC.

Car Loan Calculator: Monthly Automobile Repayment Calculator

#payment calculator for cars

Auto Loan Calculator

The First Necessary Step in the Car Buying Process

Whether you buy new or used, it’s wise to get pre-approved for a loan before you ever step on a car lot. Go to your bank or credit union and ask the agent if you qualify for a loan and how much. The agent will check your FICO credit score and other obligations and provide you with an amount and interest rate. A FICO score can be between 300 and 850. The higher the score the lower the interest rate you will be offered. People with a bad credit history may pay interest rates that are more than double prime rates. You can also shop for auto loans online if you aren’t concerned about where your personal information goes. Armed with a pre-approved loan you are now in control and have a choice to go with dealer financing or stick with your bank, whichever rate is lower.

How to Get the Best Deal

Got new car fever? Well, first, you need to do a little homework. With the internet, the mystery of the automobile buying process has been unveiled and you can be a well-informed buyer ready to negotiate for the best price. First of all, go to to check out vehicle reliability. You may be eying that shiny red sports car, but if its review states that this manufacturer has a history of poor performance or something like electrical issues, you may want to reconsider.

Test drive the vehicle you have in mind, but renting one from a car rental company for a couple days is the ultimate test.

The Internet has Changed Automotive Shopping

After you have determined the car you want to buy, go to to find the invoice price. Do not shop without this information in hand. It’s your leverage in the negotiating process. If you don’t have this piece of information, the dealer will work from the MSRP which is a much higher price. Consider MSRP as retail price and invoice price as dealer cost. Never pay higher than invoice price. And don’t worry, the dealer still makes a profit. There is something called holdback which the manufacturer gives the dealer for each vehicle. It’s usually 2-3 % which they receive quarterly. At times the manufacturer also offers dealer incentives for specific models.

You can shop online and get instant automobile quotes at sites like CarsDirect and TrueCar. If you are not comfortable buying online you can always use their quotes to see if the traditional dealer will match the price.

If you have looked ahead and planned your purchase, note that some times of the year are better than others to buy a car. Salesmen work on commission and have monthly, quarterly and yearly goals to meet. So buying at the end of one of these periods can save you money, especially if the salesman hasn’t hit his quota.

If you have made a decision on the exact vehicle you want, visiting the dealership late in the day may work to your advantage because everyone is eager to go home. Aside from the information we provide here, you may want to read some personal stories of sale negotiations to better visualize and prepare yourself:

  • How to Negotiate for a Used Car The Art of Manliness
  • The Four-Square Technique that Dealers Use, and How to Beat It The Consumerist
  • One guy’s trade-in value dispute with a dealership after using TrueCar also from The Consumerist

Understanding 0% Financing vs. Factory Rebate

Many times dealerships will offer a choice of 0% financing or a factory rebate. How do you know which is better? Figure out the interest you would pay for the life of the loan if you financed with your bank. If the interest is more than the rebate, then take the 0% financing. For instance, using our loan calculator, if you buy a $20,000 vehicle at 5% APR for 60 months the monthly payment would be $377.42 and you would pay $2,645.48 in interest. If the rebate is $1,000 it would be to your advantage to take the 0% financing because the $1,000 rebate is less than the $2,645.48 you would save in interest. Be aware though, that unless you have a good credit rating, you may not qualify for the 0% financing and this option may only be offered on selected models. People with poor credit are a major source of profits because they can be charged far higher interest rates. Some buy here, pay here dealerships specifically focus on subprime borrowers.

Some Used Cars Are a Real Bargain

Before you take the plunge of buying a new car, consider a used one. Frugal shoppers know that new cars depreciate as soon as they are driven off the lot, and in fact lose on average 15-25% of its value each year the first five years. Buying one that’s a couple years old can still provide you with a reliable vehicle for thousands less while letting someone else take the depreciation hit. If you trade in every few years then depreciation is something to consider, so look for vehicles that traditionally hold their value such as Honda, Toyota or Lexus. If you keep your automobile until it falls apart, then depreciation is not a concern for you. New models for the upcoming year usually arrive late summer or early fall. Although selection may be limited, this is a great time to consider buying last year’s model because the dealer will need to make room for the new ones.

Check the used car history by the VIN# on sites like Carfax or Autocheck. This will help eliminate anything that looks questionable. Anything that says it’s a salvage should raise a red flag. Salvage vehicles are those in accidents that the insurance company has determined repair costs are more than it is worth. Some shops will try to repair them and sale them at a steep discount. These are given salvage titles. Unless you are mechanically savvy, it’s best to avoid these. On the other hand, something called a program car is usually an exceptional bargain. A program car is a one that was driven on company business by a manufacturer employee. They are driven very little and are well maintained. They usually have 10,000 miles or less on the odometer. Dealers pay low prices for them and are not shy to advertise them. They usually still have factory warranties. Still not convinced to buy used? Then consider insurance costs on a used car will typically be significantly less expensive than on a new one.

There’s More to a Loan than a Monthly Payment

When it comes to borrowing money, a wise shopper looks at the total cost of the loan, and not just at the monthly payment. Too many advertisements state only the monthly payment. You need to dig deeper to see the real story. In general, a lower interest rate will cost you less money. A $20,000 loan at 5% for 60 months (5 years) will cost you a total of $22,645.48, whereas the same loan at 3% will cost you $21,562.43. That’s a savings of $1,083.05.

That same wise shopper will look not only at the interest rate but also the length of the loan. The longer you stretch out the payments, the more expensive the loan will be. Let’s take that same $20,000 loan above at 5% at 5 years and see how much we can save by paying it off in 3 years. So, $20,000 at 5% for 36 months will cost $21,579.05 saving you $1,066.43. Using the calculator above (assuming $0 down payment, $0 trade-in and 1% sales tax) you will see that the monthly payment for the 5 year loan is $377.42 and the monthly payment for the 3 year loan is $599.42. If you can easily handle the higher payment the savings are well worth it.

If your credit drastically improves your initial loan was at a higher interest rate, it may be worth looking into refinancing at a lower rate.

What To Do with Your Trade-In

Although it’s convenient to trade in your old vehicle to the dealer at the time of purchasing another, it’s not to your best advantage. You are likely to get the least value from the dealer, as they have to move it yet again and need to ensure a safe profit margin on selling it. They do not have to take your old automobile, and will offer you what will make them the highest profit. Some dealerships may offer artificially high trade in values, but only offer them in association with a higher price on the vehicle they sell you.

The better option is to sell it privately. It seems even government agencies are freely giving out this advice; from the Arizona Attorney General to the FTC. Don’t underestimate the value of your old car. Go to Kelly Blue Book online to do your valuation research. If you can sell it, even for a small amount, it’s extra bargaining power for your new vehicle.

Another option with your old automobile is to keep it. An old pick up truck used for heavy work can help protect the value of a new vehicle by minimizing wear and tear, along with depreciation. Automotive insurance companies typically offer multiple vehicle discounts.

Car leasing 0333 222 4388

#discount cars

Search car offers

Search van offers

With over 50 years motor industry experience are well positioned to help and are committed to providing private and corporate clients alike with the information they need to ensure that the new car they choose is the correct one for them.

In building lifetime relationships with our clients, purchasers can be assured that the service that is expected is one that is received in choosing That is our commitment to you.

2.0 TSI vRS 5dr DSG

2 litre Petrol Automatic

All vehicle images and car descriptions on this site are for illustration and reference purposes only and are not necessarily an accurate representation of the vehicle on offer. is authorised and regulated by the Financial Conduct Authority, we are a credit broker and not a lender. Registered No. 669644.

| Registered in England & Wales with company number. 05451473 | Data Protection No. z9050972 | VAT No. 861 8648 87 |

Registered Office. Blackford Bridge, 701 Manchester Road, Bury, Lancashire, BL9 9US

Copyright 2015, All rights reserved.

Car Lease, Rent a Car Dubai, Hire or Car Rental Dubai – Amex Cars

#rent a car

Toyota Innova

Amex makes Dubai car rental easy with fully insured cars at your door.

Amex Cars provides a premium service in car lease Dubai. Our aim is to take the stress out of the whole process – from your arrival in the city to when you hand back the keys, we provide a friendly, efficient and affordable service that our customers can count on.

Whether you are a resident needing a monthly rent a car or a visitor who only needs a rental car during a brief stay in Dubai, we provide a full service to handle your demands. This can include everything from picking you up from the airport to dealing with your insurance company, and is all designed to have you on your way quickly.

Our large and diverse fleet offers a wide range that caters to any taste, style and budget. We offer both short and long-term car hire Dubai services to our clients. When you choose Amex Rent a car Dubai . you are also spoilt for choice with fuel-efficient hybrids, luxury models, high-end convertibles, SUVs, sports cars, specialty cars and more. We also offer regular online deals on our website for both short-term and monthly car rental .

At Amex, the quality of our luxury vehicles is matched only by the quality of our service. It is our dedication to providing a highly personalized service to each individual customer that really sets us apart when it comes to companies offering premium car rentals in Dubai .

Whether you want a car for a week or to rent a car in Dubai on monthly basis – our experienced staff can cater to your needs. We take the time to answer all your questions and ensure you are fully equipped for your time in the city. This commitment to the customer has seen us forge long-term relationships with many of the people who use our car rental and car lease Dubai services .

Please do not hesitate to contact us directly with any questions about your short or long-term car hire in Dubai. Rent a car with us and experience the difference!

Car Leasing Deals UK, Cheap Personal & Business Car Lease

#car leasing special offers

Car Leasing

Car4Leasing is the trading name of Main and Stones Limited and is one of the leading suppliers of private and business car leasing in the UK. Specialising in providing our loyal clients with the best car leasing deals from top manufacturers around the world, we stop at nothing to keep our customers satisfied. With years of expertise in the industry, our team are in a prime position to help you find the best car lease deals in the UK. Browse through our business or personal car leasing special offers to see if anything catches your eye.

Operating the majority of our business on the web, we make it our quest to bring all the top manufacturer and finance company offers directly to you. With such an extensive range of lease car deals available from all the world’s best known brands, our specialists will help you choose the perfect car for your needs and budget.

Personal Car Leasing

Private car leasing contracts are a great way of getting the chance to drive a new car every few years. With such impressive names in our collection like Audi, Jaguar and Mercedes Benz, who wouldn’t be tempted by the lure of the personal car leasing special offers here at Car4Leasing? A personal car lease is very popular because it gives you the freedom that you don’t get when you buy a car outright. Your monthly payments are fixed so it is easy to budget. You can even build in your servicing costs as part of the deal. With personal lease cars you know the real costs of owning a car in advance and can also be safe in the knowledge that you will not have to suffer from the massive depreciation that affects all new cars.

Car Lease Deals

If you’re looking for company car leasing deals, it’s always worth looking around for the best offers. Here at Car4Leasing we have all the best personal car leasing special offers together in one place, saving you both time and money. Other benefits of personal car leasing deals can see customers enjoy various entitlements such as inclusive road tax breakdown recovery.

Many people simply aren’t aware of the benefits of personal car lease, but the concept regularly provides drivers across the country with a sense of stability. Personal car leasing helps you avoid any unexpected costs by offering a fixed monthly payment for the term of the personal car lease, giving you much welcomed peace of mind. Remember we offer a wide range of deals which are tailored to your needs and take into account the miles you will cover every year, amount of deposit you’d like to make and the number of months you want to spread the payments over. Often, you will find that the costs are lower than expected and deals can be done to reduce the initial deposit down to something affordable for you.

Contract Hire and Leasing

At Car4Leasing we go the extra mile to make your private and business car leasing experience as simple and stress free as possible. Our knowledgeable team are always on hand to guide you through every stage of your leasing a car for private or company use. From the initial quote, to tracking down the right vehicle for you, right up to delivering your new motor, our team are with you every step of the way. Having built up a strong reputation for the best customer service for both personal and company car leasing in the UK, we even offer on-going support throughout your contract.

Car Leasing – All you need to know

Leasing a car is a simple process but can seem a little daunting if you have not done it before. You can break the process down into 6 easy steps.

Step 1. Find a car that you like that fits your budget, requirements and time frame. When looking at cars it is worth looking not just at the car you want, but also how quickly you can get one. In some cases we can offer cars from stock and in other will need to factory order the car for you taking from 6 weeks to 12 weeks dependent on the car. If you have not test driven the car we recommend you do this also.

Step 2. Apply for the car you want. In all cases car leasing will require you to submit a finance application to enable us to gain finance approval for you and in turn offer you a lease on the car you want. A typical personal leasing finance application will require your personal details, 3 years address history, 3 years work history and the bank details you would want the direct debits to go from. For business car leasing you would also require the company details. In both cases no money is taken at the application stage and a decision can normally be given within 24 hours. We offer online finance applications as well as manual and over the telephone services.

Step 3. Once we have given you the good news you will be able to order your new car. We can cater for all makes and model and at this stage you will be able to choose your colour and confirm your mileage allowances, term and any maintenance package you may require on your leasing contract.

Step 4. Shortly before the car arrives a registration number will be allocated to the car and a contract will be produced. We will send you this to return, upon receipt of which we will be able to start to look at delivery dates. We will normally ask you for formal proofs of identification and proofs of address at this stage if we have not already.

Step 5. Once the car has arrived and your paperwork has all been checked and agreed we will offer you a delivery date to suit you. This is normally between Monday and Friday between 9.00 am to 5.30 pm. You could take delivery at home or work.

Step 6. You are now leasing a car and can sit back and enjoy your motor vehicle. During the course of the contract we will be there to help you and your car will be covered by a full manufacturer’s warranty should you have any issues. 3-4 months before the end of your contract we will talk to you about your returning your car and arrange for new quotes for your next vehicle. We can arrange for a new car to arrive when your old one goes back.

Car leasing does not have to be a difficult process and our fully trained staff are on hand to assist with anything you may need.