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  • Politics Is Like Hiring A Hitman
    by Scott Woods inPolitical on2020-08-13

    For me, politics is like hiring a hitman. I have values and things I care about. I care enough about them to at least bother voting for 5 minutes every year for one issue or another. And because I care at least that much, I vote for people who align with the ability to realize the things I care about.

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  • Punching Above Our Weight
    by Roger Madison Jr. inPolitical on2020-07-24

    I believe our vote is the punctuation of our voice. Without that resounding exclamation mark, I believe our voices are just incoherent noise.

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  • BLACK PROGRESS AMIDST SOCIAL CHAOS
    by Roger Madison Jr. inPolitical on2020-06-16

    Recent events have raised the profile of historical injustice and inequities here in the USA. The entire world has taken note of the fact that BLACK LIVES MATTER.   We invite all of our friends to engage in actions that result in the greatest movement for change in our history. It is imperative that we take advantage of this opportunity to affect a positive change by ACTING IN OUR SELF-INTERESTS.

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  • Living in a Black No-Man's Land
    by Roger Madison Jr. inOur Community on2019-10-28

    There are many narratives that define the Black experience in America in this 2nd decade of the 21st century. Our striving over the centuries of our sojourn in this nation is a tapestry of every human experience -- oppression, enslavement, forced assimilation, dehumanization, exclusion, segregation, isolation, struggle, perseverance, achievement, excellence, celebration, mourning, despair, progress, setbacks, lynching, assassination, genocide, terror, self-hatred, low esteem, pride,...

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  • Fighting Racism
    by Scott Woods inOur Community on2018-10-25

    I had a boss who was racist. Not an outright bigot, of course; her toolbox was more subtle than most. We bumped heads a lot over inconsequential things. She frequently couldn’t keep my name out her mouth. Lot of gaslighting. You know…2018 style. I tried a lot of ways to combat or navigate her issues. None of them worked, and that’s saying a lot because I’m really good at fighting racism. But at the end of the day – every day – she was my boss, I had to deal with her, and that was that. Finally I...

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Difference with Secure and Unsecure car loan

With a manifold of loan instruments on the market, the car buyer has many choices in purchasing a car. At many car dealerships a car buyer can put a down payment towards the loan and get a car of his selection. The higher the down payment the lower the interest rate, monthly payment and contract of the loan.

However, if one were to purchase a car with no money down, then they will have to seek a no money down car loan. In such cases the total money financed from the loan is seek to cover the car whether it is used or new.

There are two options in getting a no money down car loan: Secured or Unsecured Car Loan.

Secured car loan

The secure car loan case usually depends on the buyer presenting a collateral as security against the loan. So, in case of a default the loan lender can seize the collateral up to the full value of the loan.

Because the loan is secure the terms and conditions are flexible and the interest rate may be lower, thus a lower monthly payment and lower cost of the loan.

Unsecured car loan

In the case of the unsecured car loan, the car buyer does not have to present collateral for the loan value. However, the interest rate can be higher, the term of the loan less flexible and the final amount of the loan can be higher. Although, if you have good credit the interest rate can be as low as 6% depending on your job status and financial situation

The unsecured car buying is more likely to face the threat of repossession of the car if he or she does not pay monthly payments within a few days as stipulated in the contract.

In many cases the car dealer work with banks and other financing institutions to finance the car. However, the car buyer can also seek quotes from many car loan financiers online at the no cost.

Fill a one minute application with Car Down Loan and get quotes from car finance lenders online