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The 2017 Chrysler Pacifica Hybrid Is The Ideal Efficient Family Hauler
It's not the first time we've seen the Wrangler JL pickup, but it's the first time we've seen it running around on public roads. Although well cladded with yards of vinyl wrapping, there's no hiding the distinctive and iconic shape. There's no question what we're looking at here. This is a configuration Wrangler enthusiasts have been pleading for and anticipating for decades, and by the looks of things, it's not far away. The pickup variant of the JL Wrangler is expected to follow the core two and four-door SUV models by approximately a year, making the odds are that this will be a 2019 model.
The photos don't show any major changes or surprises of the expected configuration of a four-door crew cab and a relatively short bed. As cool and desirable as a Wrangler pickup will be to many, there are some inevitable tradeoffs for the pickup configuration. The longer wheelbase will mean a less-favorable breakover angle, and the bed overhang over the rear wheels will result in a less-optimal departure angle. However, it appears the rear bumper and bed height are still good enough to offer plenty of off-road agility and capability. The JL pickup comes at an interesting time, just as Chevrolet has introduced the surprisingly capable Colorado ZR2 and an all-new Ford Ranger is being readied for the U.S. market. We would love nothing more than a three or four-truck shootout between the JL pickup, the ZR2, the Tacoma TRD Pro, and the new Ranger, possibly with a Raptor-like off-road package.
Are you as excited about the JL pickup as we are?
6 New Car Buying Tips - How To Outsmart the Dealer And Get The Best Price
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.