An auto loan is a secured loan that allows you to buy a new car, used car, commercial car, or two-wheeler. While other loans require you to bring collateral in terms of property, the vehicle acts like collateral in this case. Like other secured loans, you receive the money in a large sum and pay it over time. Numerous lenders in the market have different terms and requirements, making the shopping process difficult.

One of the things to consider to ensure you get the best auto loan deal is the loan amount. The amount you qualify for depends on the car you want to buy and your credit score. A higher credit score means you are eligible for a higher loan amount. The loan amount usually includes the cars purchase price, fees, taxes, and amounts you owe if you are trading in your old vehicle.

Another essential factor to consider is the annual percentage rate (APR). This rate represents the total interest you will pay in a year plus origination charges, agency fees, and discount points. Like the loan amount, lenders rely heavily on credit history to determine the APR on your loan. You are more likely to get a lower APR if you have a high credit score. The higher the APR, the higher the interest you will pay monthly, meaning higher monthly repayments. Some dealerships offer financing deals with low APR that sometimes get to 0%. However, it would help if you compared the rates with other financers like credit unions, online lenders, and traditional banks.

Another critical thing you should consider is the loan term, which directly affects your monthly payments. The average car loan term is 70 months. The longer your loan term, the lower your monthly payments. However, that means you also pay more interest in the long term, making it more expensive. You can reduce the loan term and save hundreds of dollars on interest in the long run by making biweekly payments. This means you split your monthly payments in two, making an extra payment at the end of the year that helps cover the interest.

While some dealerships and lenders have reasonable interest rates and terms for an auto loan, you must consider fees and penalties. These could increase the amount you pay back by hundreds of dollars, resulting in losses. One standard fee you might incur is a processing fee that lenders require to process and fulfill loan applications. Typically, the fee is fixed, but some lenders charge it as a loan percentage. Most lenders usually have a prepayment fee you must pay if you pay off your car loan before the loan term ends. Since these fees and penalties can change over time and from lender to lender, ensure you ask the questions before applying for the loan.

Another final consideration that might save you a lot of money is refinancing. Sometimes, you might apply for an auto loan with bad credit, resulting in high-interest rates and unfair terms. However, you might build your credit over the loan period and qualify for lower rates and better terms. Ask your lender if you can refinance after a few years and see if the deal is the best for you.

Relax in elegance with a new Bassett recliner. These recliners are the latest in sleek, elegant design in traditional and modern styles. Instead of offering a wide range of styles, Bassett narrows the design and offers a variety of choices, including color, fabric, texture, and choices of different arm types, back types, and base types. The recliners themselves are a blank slate. The base styles available include Magnificent Motion, Oxford, Thompson, Jackson, and more. Not sure which design or style is right for you? Bassett is ready with design consultants to meet with customers in the store at private appointments or online with virtual appointments. The three best Bassett recliners include the Oxford Recliner, the Thompson Recliner, and the Jackson Leather Recliner. Read on to find out more about the deals on these stunning recliners.

The Oxford Recliner is a pleasant combination of classic and modern styling, with turned front legs, a shaped pub back, and a Charles of London arms. This recliner is available from Bassett in a choice of 185 fabrics and 67 leathers, so it is easy to make it ideal for any room of the home. Shoppers can choose an all-fabric, all-leather, or a fabric and leather combination, depending on their design and comfort needs. Not sure which fabric to get? Customers can order fabric swatches for free. Shoppers who want even more design choices can head to a private appointment in the store to choose nailhead trim, power reclining motor, wood finishes, and more. The Oxford Recliner is currently priced at $1,599, down from $2,139, and Bassett Furniture offers delivery to homes for an extra charge.

The Thompson Recliner is a basic and beautiful piece that can fit a variety of rooms and decor. This sophisticated recliner forms a stately silhouette, with tapered wood legs and gently rolled arms. The back and seat cushions are loosely attached, making it easy to clean. This recliner is available in any one of 50 leathers or 800 fabrics, so there's no shortage of customization options. Plus, this elegant recliner is offered now for $1,309, down from $1,809. In-home delivery is available.

The Jackson Leather Recliner is a stunning example of a classic leather chair with a modern twist. This recliner is power operated and can be stopped at any point, ensuring complete comfort. The Jackson recliner is offered in two leathers: charcoal and ultra brown. Both are an ideal combination of elegance and sophistication, with just a touch of rugged handsomeness. The nail head trim on the arms and walnut turned legs add a splash of style. This recliner is priced at $1,999, down from $2,679. There is a matching ottoman available, now on sale for $679. In-home delivery is available.

Now drivers can keep families safe and comfortable with the latest SUVs! Time-tested automakers like Volkswagen, Subaru, and Hyundai have updated their best offerings for the new model year. Each featured SUV provides a range of the latest and greatest safety features, including collision warnings, emergency braking systems, and pedestrian detection. Prioritizing both safety and comfort ensures confidence and enjoyment for every trip, whether near or far. The three best SUVs in comfort and safety include the Volkswagen Tiguan, the Subaru Forester, and the Hyundai Palisade. Read more to learn about a few of the best SUVs for families based on high ratings for safety and comfort.

The Volkswagen Tiguan is a super safe, affordable SUV for families. The Tiguan garnered top ratings for safety in every test thrown at it in 2019, and added a bunch of safety features that come standard with the 2020 model. Whereas before Volkswagen only provided a rearview camera, the Tiguan now comes standard with rear cross traffic alert, blind spot monitoring, forward collision warning, automatic emergency braking, and pedestrian detection. Clearly an already-safe vehicle got even more serious about protecting passengers. The Tiguan comes in a couple of iterations that have both five and seven seats. Either way, plenty of cargo comes with it and the spacious design also includes anchors for carseats. Volkswagen really prioritized safety and comfort with this SUV, and the 2020 base version runs only $24,950.

Subaru has a few models that would fit the description of safe and comfortable, but the Forester is the best of the bunch. Going back a few years, Subaru decided to really push safety in their marketing. Concurrently, the brand also became obsessed with testing and improving their safety until they had some of the safest vehicles on the road. Many reviewers have said that the brand can't be beaten in terms of safety. Subaru's EyeSight suite of safety features helps the driver be aware of dangers outside and inside the car to make accidents as avoidable as possible. Along with safety, the Forester provides some of the quietest, smoothest rides available. While the cargo hold is one of the biggest for its category, the Forester is only available in two-row seating. That makes five total seats in a peaceful vehicle that continues to grow in popularity among small families.

A new SUV from Hyundai, the Palisade, is the top-ranked SUV in terms of safety as rated by US News. They gave the Palisade a 10/10 for safety, which rated higher than any other vehicle on the list, but that wasn't the only good thing they had to say about it. They also said it provides a sleek ride and has the feel of a luxury vehicle with a great standard interior and great options for upgrades. The new midsize SUV seats up to eight people and has plenty of room and abundant comfort for all passengers. A long list of smart safety technology outshines the features of any other 2020 SUV. A couple of popular SUVs in the same category include the Honda Pilot and the Ford Explorer, but reviewers have consistently said that the Palisade is better than both. Clearly there's a new big player in the game, and potential buyers will be pleasantly surprised when they test one out.

Hawaii is one of the states that has many tourist attraction sites. Starting with the beautiful beach, mountain views, and cultural activities, the landscape scenes are breathtaking. Are you planning your next vacation in style and don't know where to visit? This article gives you the top four places to spend your time in Hawaii. Enjoy!

Pearl Harbor and USS Arizona Memorial, Oahu is considered the top location that many people visit when going for Hawaii vacations. The site carries a lot of memories, and history is written all over. Just prior to the world war, servicemen and soldiers died on that spot, and their ships can be seen floating on the water. People are required to reserve first before visiting the sight due to its popularity. You will also get the chance to see USS Utah, Battleship USS Missouri, and USS Oklahoma sculpture that are open for visitors to view. The top hotel to spend your night near the area is Vive Hotel Waikiki, Hampton Inn & Suites, The Equus, and the Modern Honolulu, which are quite affordable.

Are you a nature lover wishing to explore world wonders? Volcano National Park in Hawaii is the one for you. Visiting the Park will allow you to see an active volcano close up. However, there are some regulations to keep visitors safe. Apart from viewing the lava and eruptions, there are other activities that are included, like viewing the Halema'uma'u crater, the Devastation Trail, and Thurston Lava Tube. The site has lodgings comprising 33 guest rooms ranging from $250 to $350 per night.

If you love staying in hotels with beautiful ocean views, consider Waikiki Beach and Diamond Monument. The beach is famous for its many activities, including entertainment, surfing, shopping, and big classic resorts. At the end of the beach, there is Diamond Head State Monuments that used to be a defense point. You can take a hike to the top and enjoy the view of the entire beach surrounding.

The best part of visiting a certain destination is to learn about their culture and enjoy the country's good amenities. When on Hawaii vacations, Polynesian Culture Centre is one place to visit, consisting of cultural activities like dancing, games, and crafting. You will get to learn about the different tribes and the life of Hawaii people.