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Author: admin | Category: Lease Car Calculator | Date: 10.11.2014

The cars in the list have not only the lowest selling prices, but also usually have the best fuel economy (except for possibly some more expensive hybrids), lowest maintenance cost, and lowest insurance cost. Many of these vehicles currently have special incentives in the form of discounted prices, rebates, low-interest (or 0% interest) loans, and lease deals.
What would you say if we told you that you could get a late model car for an effective payment of as little as $99 a month, with no money down and in many cases even get money back.
You find someone (we’ll tell you how in a moment) that wants or needs to get out of their new-car lease. It’s better if they can find someone to simply take over the lease and avoid an expensive early termination altogether. If a borrower stops making payments or is consistently late, the bank places the loan in repossession status and takes steps to recover, or repossess, their car. Basically, there are four kinds of cheap cars: cheap new cars, used cars, leased cars, and repairable cars.
Just remember that if a car is cheap, when compared to other similar cars of its type and age, you should take extra caution to determine why it’s cheaper. Meantime, we’ll give you some information and ideas that you can get you started on your quest for a car.
Most people who are looking for cheap cars are really looking for the least expensive way, overall, to own and drive a car. Every car owner needs auto insurance because 1) it’s the law, and 2) it protects you from financial disaster in case of accidents.
Furthermore, the cost of insurance in all states is regulated by state government insurance agencies. On a personal level, car insurance rates typically depend on the individual insurance company. Certain cars such as small high-powered sports coupes are more expensive to insure — because they are wrecked more often by young drivers.
Only a few years ago, the best way to get the good deals on new cars was to have good negotiation skills and to wait until the time was right — which meant waiting until the end of the model year, or the end of the month, or anytime when sales were slow. In the new economy, those techniques are still valuable but you don’t have to work nearly as hard now to get a great deal on a new car.
In a word, INCENTIVES — rebates, low interest rates, 0% interest, special lease deals, and secret factory-to-dealer cash — all of which come from car manufacturers to help dealers sell cars in a slow economy. Is it possible to get good deals on last year’s model leftover cars at dealer clearance sales? This means car buyers can pick up last year’s model for $3000 less than the new model, even though the two cars are essentially the same. Many of those people would be surprised at what they find — if they looked at buying last year’s leftover models. If you are looking a good deal on a brand new car, why would you consider last year’s leftovers? One section reports the reliability history of almost every vehicle model for the past 6 years. Auto loans are different from other types of loans in that the car itself is the collateral, which means the lender has the right to recover (repossess) the car if the borrower defaults on his payments. As of this writing there are numerous car manufacturers offering special cheap car lease deals.
Most special car lease deals being offered by car manufacturers and dealers are genuinely good deals. Another thing to know about cheap car leases is that the low monthly payment offer might be accompanied a down payment (cap cost reduction)  requirement to get that payment. Even though the deals are good and genuine, you might have to have some up-front cash to get it. Someone leases a brand new car, makes a down payment, makes the first month’s payment, pays dealer doc fees, pays taxes, and pays a bank fee.
For people who need a cheap car but do not have an established credit history, or have a poor credit score, this might seem like a dream come true. So, is buying from a buy-here, pay-here (BHPH) car dealer a good way to get into a cheap car? Maybe —  if you understand what you’re getting into — and you have no other alternative. BHPH dealers sell inexpensive cars at high prices, without warranty or guarantees, and allow buyers to finance at high interest rates.
If buying from a BHPH dealer is the ONLY way you can get a car, then you should consider it. Car leases are very flexible in that you have the option, in most cases, to make no down payment — $0 down on your car lease. Of course, the monthly payment will be higher since you are not pre-paying some of the lease obligation. Although all leases are structured so that a down payment is optional, some special lease deals offered by car manufacturers in monthly promotions may require a down payment in order to get the deal. In short, various federal, state, and local government and law enforcement agencies regularly auction off surplus, unclaimed, and seized property, inclucing automobiles, equipment, and even real estate. Leasing a car can produce much lower monthly payments. But to lease successfully, you need to understand it. Car leasing is a form of financing in which you pay for the natural depreciation of value that all cars experience, and you pay a finance charge just like with any other form of financing. Many people in the current economy have suffered the misfortunes of financial pressures, unemployment, and rising costs which have resulted in credit issues, late payments, bankruptcies, repossessions, or home foreclosures. Even with all these problems, most people will need a car and are finding it difficult to impossible to find money or financial help to buy a car or get a car loan.
Let’s take a look at some of the possible options for people this kind of difficult situation. Buy cheap – If you can scrape together some cash, possibly by selling things you have, getting a temporary job, or borrowing money from family or friends, buy the cheapest car you can afford with the cash you have. If you are looking for the absolute cheapest and most inexpensive used cars, there are some things you need to know so that you’ll know what to expect when you start your search. Of course, the bottom is the limit in the sense that it is always possible to find a great car in great condition for $250 or $500.
Many car owners look for ways to improve the performance of their vehicles, at the lowest possible cost.
One of the best ways is to replace a car’s factory air filter with a cold air intake system. A factory air intake system restricts air flow due to having a large filter, inefficient filter housing, and complex piping. Any vehicle’s power can be improved by replacing the factory air intake with a less complicated, less restricted system with a simple filter.
The best intake system will be one that is easy to install, relatively inexpensive, is guaranteed to produce the power increase promised, has a long-life warranty, and comes from a reputable company. The leases shown below typically expire at the end of the current month, unless noted otherwise. These cars and other vehicles will be auctioned to the public and other interested parties.
In short, various federal, state, and local government and law enforcement agencies regularly auction off surplus, unclaimed, and seized property, including automobiles, furniture, equipment, and even real estate.


Included are state police, DOT, city and county law enforcement, city and county administrative departments, and fire departments. Some government auctions are surplus property auctions that sell everything from computers, furniture, forklifts, to motor vehicles.
Banks and lending institutions also repossess property and automobiles from non-paying customers, and sell the goods through public auctions (see Repo Car Auctions). In many cases, government auctions are handled by private auction companies under contract.
Government seized-property or surplus auctions are held all over the country at various locations and on various schedules. All vehicle types, makes, and models are sold at such auctions – SUVs, coupes, sedans, vans, minivans, even convertibles.
Many auctions have a preview period of about two days preceding the auction in which you can look over and inspect the vehicles. As we’ve already mentioned, there are always some risks in buying at government or repo car auctions. The best bargains are usually on the older less-than-perfect vehicles that dealers don’t want to spend time and money on. Government car and property auctions of all types and sizes are held all over the country virtually every day. Most official government auctions are regularly announced in national newspapers (such as USA Today) or local newspapers as part of the legal requirements for conducting the auction. For local or county auctions, notices and listings will appear in only one local newspaper. The second way of finding government car auctions is through an online auction directory service that does the legwork for you — for a fee. When using an online auction directory service, don’t expect a full list of specific vehicles, descriptions, and prices for each auction because this information changes daily— although some services provide more detail than others.
Lex Autolease and Black Horse will offer 400 convertibles, sports and prestige cars at BCA Belle Vue Manchester.
Spring is coming to the North as Lex Autolease and Black Horse will stage the second in a series of two Super Saturday Convertible sales with BCA at the Belle Vue Manchester auction centre on Saturday, 9th April commencing at 10:30am. The events feature cars entered direct from Lex Autolease and Black Horse, with a mix of business, ex-lease and finance cars.
Typically, the buyer will be given a chance to catch up on payments or be made a payoff offer to recover the vehicle.
Most banks and finance companies hand over repo cars to a professional auto auction company. When a bank or loan company sells repossessed cars, it wants to recover enough money to pay off the existing loan balance, plus any expenses for towing and storage and the fees of the professional repo company who picked up the vehicle.
One way is to simply calls banks and credit unions in your area and ask how and where they sell their repossessed vehicles. Another way is to call local newspapers and ask when they publish car auction announcements. In cases where the borrower was not upside down on his loan, the bank may seek to only recover what was owed, which could be much less than the car is actually worth — a real bargain.
In other cases, which is more common, the borrower was upside down on his loan, which means he owed more than the car is worth. If you attend a repo car auction, go early and inspect the cars you might be interested in. Take your used-car price guide books (or your Internet-connected phone or tablet)  with you so that you’ll know what the cars are worth. When you buy a repossessed car, you take a chance that it might have unknown problems that don’t show themselves immediately. You can get pre-approved financing from online auto loan companies such as Auto Credit Express . Present you keys and car at the gate to our Valet Parker and they will secure your car.Please see map below. Brisbane Motor Auctions are located at Brendale on the corner of South Pine Road and Hinkler Court Brendale.
The selected cars all have good quality, good gas mileage, are fun to drive,  and have other exceptional qualities that make them great buys for the money.
In most cases these will be people who leased a car a year or so ago and have now found that they can no longer make the payments due to illness, job loss, divorce, or other personal circumstances. Sometimes those people lose their jobs, get into divorces, or otherwise find themselves in situations in which they can no longer keep up car payments. Every state has some kind of financial responsibility laws that require you to have the ability to pay for your liability in an auto accident that you cause. In fact, many new cars with manufacturers’ incentives are better and cheaper deals than many newer model used cars. You also needed to shop around and know about MSRP, dealer invoice prices, and holdbacks if you expected to get a price down anywhere close to a dealer’s cost. In other words, car manufacturers are now offering better new-car deals than customers could make for themselves. For example, when 2015 models came out, many dealers still have unsold 2014 models sitting on their lots. From this data they select the best used cars in a number of price ranges. These models earned the best reliability rating for their model years.
If not, you can lease another model or style but you might not be able to get the same manufacturer-backed special deal.
These are typcially for 36 month leases, 10K-12K per year mileage allowance, and usually require some money up front (cash due at lease inception) that includes a down payment and the first month’s payment.
His monthly lease payments are probably very low compared to a conventional loan for the same car.
Instead of simply returning the car or letting it be repossessed, which can be very expensive and damaged to his credit, he chooses to put the car up for a lease assumption. They handle their own financing, do not check credit, do not report credit, and will generally approve any buyer who has a job and a means to pay regularly. Since they do not check credit, they charge the highest interest rates legally allowed in that state.
In general, for a modestly priced vehicle, you can expect your lease payment to increase by about $40 for every $1000 you don’t make as a down payment. You may have seen announcements and ads regarding these auctions, which are held all over the country almost every week of the year.
You can always move up to a better car as your finances and your credit improve later. Use the ideas and suggestions found in other articles on this web site for where and how to find good cheap cars. The idea is to allow unrestricted cool air to enter the engine, which allows more oxygen to mix with the gas, which increases power, engine efficiency, and in most cases, improves gas mileage. Essentially, all add-on cold air intake systems consist of a simple filter, a short pipe to the intake manifold, and possibly a heat shield.
You’ll pay anywhere from less than $100 to $300 or more, but make sure you look at more than just cost. Although these cars, trucks, and other vehicles have been well maintained, they usually have high mileage, particularly in the case of police cars and SUVs. Some have been taken from criminals who have used the vehicles in the conduct of their crimes.


Typically an auction is held at a particular location on a regular basis — usually monthly or quarterly or annually. Obviously, these government agencies institutions are hoping to get as much money as possible for their goods. However, in most cases, you will not be able to drive the vehicles although you can start them and check them over as much as you like.
However, you can significantly lower your risks by knowing what you’re doing, knowing about the car(s) you want, researching your pricing, and understanding how the auction process works. If the car you want is popular and in great condition, you can expect other people, including used-car dealers, to be just as interested in it as you are.
You must also be willing to bid and win, and be prepared to pay cash or finance within the required time set by the auction company.
Contact your local federal, state, county, and local government agencies to determine if they have auctions, where they are, and on what schedule.
Fees vary but average about $40, usually a one-time charge for unlimited online access to listings of auctions. The site contains instructions and information on how to participate in the auctions, in addition to their comprehensive directory service. Times and locations of auctions can change, so make sure you check before setting out to attend one.
Some directory services have outdated information so be sure to ask for your money back if you don’t like the service or its product. The sales are open to all buyers, and also available to My BCA business buyers via Live Online. If the buyer does not or can not get the vehicle back, the bank or lending institution takes it over and will sell it to recover some or all of the loan balance.
If they sell through an auction company, they can give you information to locate the company so that you can ask about auction locations, schedules, and rules.
There is usually one one newspaper in an area that prints auction announcements on a specific schedule, say, on the third Friday every month, as an example. Banks are willing to take losses on the sale of returned or repossessed cars but they prefer not to do so, if possible. This could happen if the borrower had purchased his car with a large down payment or high-value trade-in. Obviously, the bank would like to recover the entire amount owed, but will usually price the car at fair market value if it’s selling the vehicles from its parking lot. The borrower may have just lost his job, suffered a divorce, or otherwise realized he couldn’t afford the car. The borrower may have had serious financial troubles, or a bankruptcy, that made it impossible to keep her car. The borrower may have been financially challenged when he bought the car and things became worse, which caused multiple missed payments – which resulted in a repossession. You can usually look over the cars and even start them up, but you won’t be able to drive them. Consider buying a relatively inexpensive used-car warranty from a company such as Endurance Auto Warranty to protect yourself from surprise problems.
Know how to judge repo auction cars by looking them over, since you won’t be allowed to drive them. In some states the minimum requirements are quite low, which means that if you only choose  the minimum coverage, rates can vary widely between different states. To make it even more complicated, auto insurance companies keep statistics that show accident and claim frequencies in each state, which means rates will be higher in those states with higher numbers of accidents.
The deals are there for the asking, with no need for additional negotiations in most cases. Although dealers may do preliminary credit checks on customers, and handle the loan application process, they do not approve or provide car loans, although it might seem otherwise to those who don’t understand the way car loans work. He avoids all the up-front payments, fees, and taxes associated with an original car lease. Electronic devices installed on the car will disable the engine if a payment is late, and a GPS device will allow the dealer to find the car to repossess it. By using a heat shield and placing the intake  filter as close to the front of the engine compartment (and away from the hot engine), the more effective the system will be.
As in all leases, the first month’s payment and official tax, tag, and registration fees are also due at the time the lease is signed.
If you are interested in one of the deals, make sure you get the details before signing because there can be variations between dealers and different regions of the country.
And there are no warranties or guarantees, which is no different than most other used-car sales. Auctions typically move very fast, so you should attend a few just to learn the pace and bidding techniques. Competition and heavy bidding will drive auction prices up — sometimes beyond the real value of the vehicle. Since dealers want to make a profit by buying low and selling high, you might be able to pick up a good car by bidding slightly higher than a dealer is willing to pay.
You can apply for a pre-approved used-car loan at your bank or credit union, or at an online auto loan company such as Auto Credit Express, and be prepared in case you win a bid. The fee is certainly reasonable if it’s going to help you save hundreds or thousands of dollars on your car purchase.
The buyer may have suffered unfortunate financial difficulties, had a divorce, or otherwise could not afford the car. Bargains can be found on vehicles on which the borrower had made a large down payment, took advantage of rebates, or traded another vehicle.
Many of these vehicles are available for less than market value, especially if the loan was near being paid off.
Some of these cars may have hidden problems, which might be part of the reason for the borrower’s default. Get a Carfax or AutoCheck vehicle history report to make sure you aren’t getting a car that has been wrecked or rebuilt, or that has a salvage title. Your cousin in Tennessee could be paying a lot less than you for the same car, same coverage in California. In fact, manufacturers help dealers to an extent that it would impossible for dealers to independently make those same deals for customers.
Furthermore, he gets the benefit of any low-payment special deals that the original lessee got.
You only pay for the natural depreciation in value that every car experiences — not the whole car. Otherwise, the auctions wouldn’t be as popular as they are and no one would participate.
Personal checks are not usually accepted, although credit cards, money orders, certified checks, and traveler’s checks are accepted. A catalog of vehicles for a particular auction will be available on the day of the auction, or a few days prior, from the auction administrator.



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