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money_for_a_car [2018/03/23 23:09]
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money_for_a_car [2018/06/08 17:20] (current)
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=====I Need A Car===== =====I Need A Car=====
-**Update March 2018**+**Update May 2018** 
 + 
 +“Wheels to Work” or the Goodwill Car Program is an excellent program run by Goodwill Industries. They offer financial assistance for those who are employed. The used cars are in good condition after receiving whatever repairs are necessary, so you don’t have to worry about breakdowns. If you’re not employed (yet!), you can also get free training programs from Goodwill so you’re not only employed but also eligible to get help getting a car. No credit checks are necessary for the purchase they will help you with, and you could even establish your first credit record or improve the one you already have… 
 + 
 +**Not Just for Christmas**
Although we’re far from Christmas it’s good to know there’s also a charity called Cars 4 Christmas that helps low income folks boost their lives by assisting them in getting their own car. You can apply online and it probably doesn’t hurt to apply early. Check it out by searching Cars4Christmas and look for the link to the online application that applies to where you live. There’s also a partner organization that specifically helps veterans; it’s called Cars 4 Heores. Although we’re far from Christmas it’s good to know there’s also a charity called Cars 4 Christmas that helps low income folks boost their lives by assisting them in getting their own car. You can apply online and it probably doesn’t hurt to apply early. Check it out by searching Cars4Christmas and look for the link to the online application that applies to where you live. There’s also a partner organization that specifically helps veterans; it’s called Cars 4 Heores.
-**Update October 2017**+**Benefit from Tragedies?** 
The tragedies that have struck several parts of the country — hurricanes, floods, fires and more — could mean more used cars available to help people in need of a car to get or keep a job and take care of their families’ needs. A recent news article reported that thousands of vehicles — even as many as 200,00 — were left in the lots at the dealer’s, often under water. Many will be recycled as scrap but others could be refurbished and put up for resale. A flood (as it were) of vehicles for sale typically means low prices …. or there could be so many of them that charities may receive more than usual to help others afford a car .. or receive one for free. So be alert for some bargains but also beware. To be sure you are not getting a car that was not properly reconditioned and that may have hidden problems, have a mechanic you trust inspect it and also do a title search through CarFax so you know what you’re getting. The tragedies that have struck several parts of the country — hurricanes, floods, fires and more — could mean more used cars available to help people in need of a car to get or keep a job and take care of their families’ needs. A recent news article reported that thousands of vehicles — even as many as 200,00 — were left in the lots at the dealer’s, often under water. Many will be recycled as scrap but others could be refurbished and put up for resale. A flood (as it were) of vehicles for sale typically means low prices …. or there could be so many of them that charities may receive more than usual to help others afford a car .. or receive one for free. So be alert for some bargains but also beware. To be sure you are not getting a car that was not properly reconditioned and that may have hidden problems, have a mechanic you trust inspect it and also do a title search through CarFax so you know what you’re getting.
-**Update August 2017**+**State Car Assistance Programs**
Programs which can help you get a car can be particular to specific states — like many other programs! It’s always a good idea to check you state’s website and do a search for grants for for help getting a car. You should also talk to local social service organizations, as some excellent programs require a referral from an agency in order to work with you to get that car. For example, Colorado has a program called “GoodNeighborhood Garage.” To qualify you must be low income, working and referred by an agency. Several states have a “Good News Garage” program. Each state has its own eligibility requirements. Florida has an interesting program called “Wheels of Success.”  Eligible applicants have to be at least 21 and be at risk of losing their job or getting turned down for a job because they don’t have transportation. Programs which can help you get a car can be particular to specific states — like many other programs! It’s always a good idea to check you state’s website and do a search for grants for for help getting a car. You should also talk to local social service organizations, as some excellent programs require a referral from an agency in order to work with you to get that car. For example, Colorado has a program called “GoodNeighborhood Garage.” To qualify you must be low income, working and referred by an agency. Several states have a “Good News Garage” program. Each state has its own eligibility requirements. Florida has an interesting program called “Wheels of Success.”  Eligible applicants have to be at least 21 and be at risk of losing their job or getting turned down for a job because they don’t have transportation.
-**Update May 2017**+**Used Cars Supplies**
There's some good news and some bad news out there about getting a car. The good news? Used car prices are falling (actually "plummeting" according to the Wall Street Journal), and that usually means that supply is up. So if you can manage to put some money together or get a loan, you might be able to find a bargain. The bad news: banks are getting more reluctant to make auto loans, especially to "risky profile" borrowers. So loan money is tighter, and borrowers will have to have higher credit scores to be considered. On the positive side, the increase in the supply of used cars could mean that charitable organizations may have more resources to help people. There's some good news and some bad news out there about getting a car. The good news? Used car prices are falling (actually "plummeting" according to the Wall Street Journal), and that usually means that supply is up. So if you can manage to put some money together or get a loan, you might be able to find a bargain. The bad news: banks are getting more reluctant to make auto loans, especially to "risky profile" borrowers. So loan money is tighter, and borrowers will have to have higher credit scores to be considered. On the positive side, the increase in the supply of used cars could mean that charitable organizations may have more resources to help people.
-**Update March 2017**+**Car Loan Opportunities**
If you can’t find a free car you might consider looking for a reasonable loan — and one that is available to those without great credit scores. Much like our advice in the loans section of Small Business Loans, there are some steps you should take to increase your chances of getting a loan. First, identify companies that will take credit scores of 300 to 660: Carvana at the loan end, CarFinance in the middle and LightStream at the top. Compare their interest rates and the length of time for the loan and what your resulting payments would be. Remember when you decide how much money to borrow to include both the price of the car and taxes and fees. If you can get this done ahead of time and even get pre-approved for a car, you’ll have a much easier time negotiating a deal. If you can’t find a free car you might consider looking for a reasonable loan — and one that is available to those without great credit scores. Much like our advice in the loans section of Small Business Loans, there are some steps you should take to increase your chances of getting a loan. First, identify companies that will take credit scores of 300 to 660: Carvana at the loan end, CarFinance in the middle and LightStream at the top. Compare their interest rates and the length of time for the loan and what your resulting payments would be. Remember when you decide how much money to borrow to include both the price of the car and taxes and fees. If you can get this done ahead of time and even get pre-approved for a car, you’ll have a much easier time negotiating a deal.
-**Update November 2016**:+**Car Help Platforms**:
There may be some confusion about the names of organizations that provide cars to struggling individuals and families. In sorting some of this out we have found that the group originally known as 1-800-Charity Cars has now become freecharitycars.org. They refer to themselves as a free car distribution and social networking website. Users sign up and can share their story, explaining their situation and what a car would do for them. Other members of the site then can choose to vote for specific cases and also promote a person’s request among their own friends. If you have a compelling reason for needing a car and are pretty good at telling your story, this would be worth checking out. Also see more information below about other charities which provide cars to individuals! There may be some confusion about the names of organizations that provide cars to struggling individuals and families. In sorting some of this out we have found that the group originally known as 1-800-Charity Cars has now become freecharitycars.org. They refer to themselves as a free car distribution and social networking website. Users sign up and can share their story, explaining their situation and what a car would do for them. Other members of the site then can choose to vote for specific cases and also promote a person’s request among their own friends. If you have a compelling reason for needing a car and are pretty good at telling your story, this would be worth checking out. Also see more information below about other charities which provide cars to individuals!
-**News July 2016** +**Cars for Vets** 
-If you’re a Veteran discharged within the last year, or Active or Reserve Military, Nissan has a deal for you. They’re offering their very best prices in combination with any ongoing incentives to help you get a great car at a great price. You ‘ll need to show proof of your service and get a Certificate for the Nissan Military Program. You can apply for the Certificate online at nissanusa.com. Go get that car, you’ve earned it!+If you’re a Veteran discharged within the last year, or Active or Reserve Military, there may be special deals out there for you.In the past, Nissan has offered their very best prices in combination with any ongoing incentives to help you get a great car at a great price. You ‘ll need to show proof of your service and get a Certificate for the Nissan Military Program if the program is still running.
-**News December 2015**+**Car Help from Unusual Places**
You never know what might happen. Early this month, a couple saw a man walking home late at night, carrying a lunch pail and hanging his head. They offered him a ride and after learning about what he goes through taking (and often missing) the bus, they put together a campaign on gofundme and raised enough money to buy him a car and pay for the insurance. Needless to say he was overwhelmed and grateful. You can put together a campaign on one of many crowdfunding sites as well ... see more later in this article under "More resources... You never know what might happen. Early this month, a couple saw a man walking home late at night, carrying a lunch pail and hanging his head. They offered him a ride and after learning about what he goes through taking (and often missing) the bus, they put together a campaign on gofundme and raised enough money to buy him a car and pay for the insurance. Needless to say he was overwhelmed and grateful. You can put together a campaign on one of many crowdfunding sites as well ... see more later in this article under "More resources...
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money_for_a_car.txt · Last modified: 2018/06/08 17:20 by admin