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At CarsDealerNet.Com you the customer is in command. Our automated search engine technology will search through hundreds new car dealers for the hybrid you selected. If we find a match, we will show you a list of dealerships in The Hammocks with available inventory on the hybrid of your choosing. After that get all the dealerships in The Hammocks to compete for your business without disclosing your name, address, phone number, and or e-mail address. This technique is not only the revolutionary but also a proven method of getting a grade price and the largest cash back possible every day.
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Can I Buy A Car If I Am Collecting Unemployment?
In today's economy many people are laid off from their jobs and are allowed to collect unemployment while they will look for new work. Unemployment benefits are temporary and cannot be considered for long-term income when a lender is considering loaning you money.
However, you may have the potential to qualify for a loan when you're collecting unemployment, if you have good credit to start with. Each individual and their circumstances are different. If you have another source of income and losing your job and collecting benefits is not a hardship or burden. Then you may be considered for a new car loan.
A person can only collect unemployment benefits for a maximum of 99 weeks, as of January 2011. Therefore unemployment cannot be considered as a reliable source of income, and may hamper your efforts in getting a car loan. Car loans today, generally have payments that last anywhere from 3 to 5 years; the majority of lenders will not grant a loan based on someone's temporary unemployment benefits.
To get approved for a car loan, an individual must prove to a lender that he or she is financially capable of paying back the loan. If your unemployment is the only income you have to live on then chances are you can't afford a car payment.
Even subprime lenders or high risk lenders, that generally loan to people with poor or bad credit, are very unlikely to grant a car loan based on someone's unemployment benefits.
You may find a car dealer who was willing to put this type of loan together for an outrageous interest rate and down payment. The dealer may sell you a car that is way overpriced, with a large down payment, and an interest rate that could exceed 25 percent. This type of deal only benefits the dealer and not you the buyer.
Even if the dealer has to repossess your vehicle in a few months, they don't care because they will just turn around and sell the car again to someone else in a similar situation.
If you are in dire need of a car and can't qualify because of your unemployment benefits, you may want to consider a home equity loan, or an existing line of credit. It is not always wise to use a home equity line of credit. These type of loans can lead to excessive debt if used unwisely and cause you future problems financially.
If you absolutely must have a car then buy one for cash ($2,000 or less) to get you by until you start your new job. That way you won't be adding debt to your financial situation while looking for another job.
Finance For Buying A New Car
Since the day that Lee Iacocca and Hal Sperlich rolled out the first Dodge Caravan more than three decades ago, the minivan form factor has remained the ultimate family hauler. With sliding doors, folding/removable seats and an ever-increasing number of cup-holders, minivans are supremely flexible, utilitarian and garageable. While Chrysler has formidable competitors today from Honda, Toyota and to a lesser degree Kia, it has just launched what may be the ultimate expression of the type in the form of the Pacifica Hybrid which I just spent a week with.
2017 chrysler pacifica-hybrid
Chrysler has taken a very interesting approach to promoting the Pacifica Hybrid. They seem to have recognized that the potential market for an electrified minivan is not the same as the market for something like a Toyota Prius Prime or Chevrolet Volt. Despite what the branding implies, this Pacifica is actually a plug-in hybrid like those well known green cars.
However, while most plug-in hybrids offer drivers ability to select different drive modes like the ability to go EV only or save the battery charge until later, Chrysler does none of this. Climb behind the wheel of this minivan and you'll be hard-pressed to distinguish it from the conventional drive version. Their is some additional information available about energy flow in one of infotainment screens and the fuel efficiency displays in the cluster provide indications of battery state of charge and whether the engine is running.
The only direct functional control the driver has is the ability to switch the rotary shifter from Drive to Low to get extra regenerative braking, but this really isn't much different from doing the same in the non-hybrid to get a lower gear in the transmission.
The core idea here is that busy parents that are hauling multiple kids around don't have time for this nonsense. They just want to get in and drive and not worry about getting all the settings right for maximum efficiency. Thus, the only thing the Pacifica hybrid driver needs to do is plug the van in when they come home at night and unplug it in the morning. No muss, no fuss.
So what do drivers get for this low-effort electrification? Surprisingly, a lot.
After plugging in the Pacifica to a 110-volt outlet in my garage overnight to give the 16-kWh battery a full charge, I did a couple of laps of my usual EV urban test loop.I started off with the shifter set to L. Like most electrified models, low gets you significantly more regenerative braking. In this case, while monitoring the hybrid information display that shows power input/output from the motors, lifting off the accelerator in D gets you about 10-kW of charging power and deceleration typical of a conventional automatic transmission. Switching to L bumps that up to anywhere from 25 to 40 kW depending on fast you are going and it feels like you've done a downshift or two. It's not as aggressive as the BMW i3 or Chevrolet Bolt, but I've come to prefer more aggressive regenerative braking no matter how much I can get.
When I set out, the battery was at 100% and showed an estimated range of 40 miles. I drove in a reasonably sedate manner, not hyper-miling but not driving like a @Dodge Demon either. At the end of the loop, I had 60% charge and 24 miles of range left. For lap 2, I used D and got only slightly worse results with seven miles left on the range estimate and 19% in the battery. The fuel economy estimate was 68.3 mpg which I'm assuming is MPGe since the engine was off the whole time.