1 They should have taught this in school. by Sonja Spencer-Jackson https://padlet.com/sspencer29/31382njeqcziv3c8 A wall with sections en-us 2024-02-26 00:45:53 UTC 2024-03-06 17:48:03 UTC hello@padlet.com Questions to answer. sspencer29 https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2895192012

  • What are some conditions for getting a car loan?

  • How long can a car loan be?

  • Why would someone prefer a shorter car loan term?

  • Why would someone prefer a longer car loan term?

    • ]]>     2024-02-26 00:51:05 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2895192012     Questions to answer. sspencer29 https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2895193269

  • What is an interest rate for a car?

  • What determines the interest rate for the car loan?

  • Would you rather have a higher interest rate or a lower interest rate for a car loan and why?

    • ]]>     2024-02-26 00:52:38 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2895193269     Questions to answer. sspencer29 https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2895194355

  • What is a credit score?

  • How does the credit score affect the interest rate?

  • Why is it important to know your credit score?

  • How do you improve your credit score?

  • How and where do you find your credit score?

  • What is considered a bad credit score?

  • What is considered a good credit score?

    • ]]>     2024-02-26 00:53:54 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2895194355     Questions to answer. sspencer29 https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2895202509

  • What is the loan principal amount?

  • What is a down payment?

  • How does the down payment affect the loan principal amount?

    • ]]>     2024-02-26 01:03:08 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2895202509     Questions to answer. sspencer29 https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2907315569

  • What is financing a car?

  • What are some advantages of financing a car?

  • What are some disadvantages of financing a car?

    • ]]>     2024-03-06 03:01:39 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2907315569     Questions to answer. sspencer29 https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2907322778

  • What is leasing a car?

  • What are some advantages of leasing a car?

  • What are some disadvantages of leasing car?

    • ]]>     2024-03-06 03:07:01 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2907322778     What is a Credit Score? https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908458418 What is a Credit Score? A credit score is a prediction of your credit behavior, such as how likely you are to pay a loan back on time, based on information from your credit reports

    ]]>     2024-03-06 17:25:12 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908458418     What is leasing a car. https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908459357 allows you to drive a vehicle from a dealership for an agreed upon amount of time and miles

    ]]>     2024-03-06 17:25:58 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908459357     What is financing a car? https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908459640 Financing a car is when you take out a loan to purchase a vehicle, and pay back that loan over time.

    ]]>     2024-03-06 17:26:12 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908459640     how does the credit score affect the interest rate https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908460575 People with higher credit scores tend to qualify for lower interest rates

    ]]>     2024-03-06 17:26:55 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908460575     Why is it important to know your credit score? https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908460935 You may use your credit scores and credit history to help make lending decisions.

    ]]>     2024-03-06 17:27:11 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908460935     https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908460992 the amount you borrowed in the loan.

    ]]>     2024-03-06 17:27:14 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908460992     How do you improve your credit score? https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908461094 How do you improve your credit score? You can improve your credit score by opening accounts that report to the credit bureaus, maintaining low balances, paying your bills on time and limiting how often you apply for new accounts.

    ]]>     2024-03-06 17:27:18 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908461094     What are some advantages of leasing a car. https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908462072

  • Lower monthly payments.

  • Less cash required at drive off.

  • Lower repair costs.

  • You don't have to worry about reselling it

    • ]]>     2024-03-06 17:28:01 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908462072     https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908462122 a sum a buyer pays upfront when purchasing an expensive good such as a home or car.

    ]]>     2024-03-06 17:28:04 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908462122     Financing a car https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908462366 Financing a car is where you make payments on a car that you cannot afford at one time and pay the dealership back

    The advantage of financing a car is that you can pay for a car that you've always wanted monthly and after you pay it off it is yours.

    some disadvantages are that there may be higher interest rates and the payments might be high. If your late on payments there is a late fee added on to the payment, and lastly its more money in the long run

    ]]>     2024-03-06 17:28:16 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908462366     how and where do you find your credit score https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908463422 Check your credit card or other loan statement. Many major credit card companies and other lenders provide credit scores for their customers

    ]]>     2024-03-06 17:28:59 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908463422     What is considered a bad credit score? https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908463501 Any score below 600.

    ]]>     2024-03-06 17:29:03 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908463501     What is considered a good credit score? https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908463604 What is considered a good credit score? Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.

    ]]>     2024-03-06 17:29:06 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908463604     https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908463951 A higher down payment shrinks your loan balance upfront, which means you'll pay less each month.

    ]]>     2024-03-06 17:29:21 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908463951     What are some disadvantages of leasing a car? https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908464081 You don't own the car at the end of the lease. That means you don't have a trade-in if you decide to purchase a car. Consumers who routinely lease cars over many years may end up paying more than they would if they had initially bought the car.

    ]]>     2024-03-06 17:29:26 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908464081     What are some disadvantages of financing a car? https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908464819 • The interest rate can be expensive.

    • The monthly payments can be too much.

    • The cars value decreases while you're still paying it off.

    • You don't legally own it until it's paid off.

    • It can negatively impact your credit score.

    ]]>     2024-03-06 17:30:01 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908464819     3. Why would someone prefer a shorter car loan term? https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908465581 For a shorter interest rate

    ]]>     2024-03-06 17:30:39 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908465581     https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908465777 2024-03-06 17:30:46 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908465777 Maya & Chels https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908465838 1.An interest rate for a car basically a loan that you have to pay off.

    2.Credit score history, and current income is what determines the interest rate for a car loan.

    1. We would rather have a lower interest rate on a car. We don't want to owe so much money overtime, because life situations can happen and what happens when we cant pay it off. Our credit score will decrease if we couldn't afford to pay the loan off.

    ]]>     2024-03-06 17:30:49 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908465838     Loan terms https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908466337

  • Some conditions for getting a car loan are you need a good credit score and proof of your income.

  • A car loan can be 36 to 84 months.

  • Someone should prefer a shorter car loan term because it means you'll pay off the car faster.

  • Someone would prefer a longer car loan term because it allows for lower monthly payments.

    • ]]>     2024-03-06 17:31:08 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908466337     What are some advantages of financing a car? https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908466450 There's fewer restrictions than leasing a car, and you can do whatever you want with the car.

    ]]>     2024-03-06 17:31:14 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908466450     Why would someone prefer a longer car loan term https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908467041

  • For a lower monthly payment

    • ]]>     2024-03-06 17:31:41 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908467041     1. What are some conditions for getting a car loan? https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908468119 The conditions for getting a car loan are proof of residence, debt-to-income ratio, income, and identification.

    ]]>     2024-03-06 17:32:31 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908468119     https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908469401 2024-03-06 17:33:30 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908469401 poop https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908470529 2024-03-06 17:34:20 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908470529 https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908471161 2024-03-06 17:34:50 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908471161 2. How long can a car loan be? https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908472264 A car loan can be as short as 12 months and as long as 96 months.

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    ]]>     2024-03-06 17:45:03 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908485008     https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908486944 2024-03-06 17:46:29 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908486944 we love spenjack https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908489030 2024-03-06 17:48:03 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908489030 https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908489495 2024-03-06 17:48:26 UTC https://padlet.com/sspencer29/31382njeqcziv3c8/wish/2908489495