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Tips for Purchasing a Vehicle Online With the recent Coronavirus outbreak, residents across thernU.S. are sheltering in place rather than going out for events and errands. Onernobstacle that drivers now face is the difficulty of car shopping without visitingrna dealership. Thankfully, there are ways to overcome this inconvenient challenge.rnHere’s how you can shop for a car while staying at home. Research Different Vehicle Models on the OkCarz Website Thankfully, researching different vehicle models from home is easy. With loads of information scattered throughout the internet, coming across the details you need regarding a specific model is simple. However, this process can take quite some time. While staying at home, chances are that you will have plenty of time to conduct your research. Don’t know where to begin? Browse each of our vehicle model review pages by hovering over the “Research” tab right on our website! Apply for a Car Loan Online Another easy trick to buying a car online is to apply forrnyour car loan on the OkCarz website. The process is fast, easy, and won’t costrnyou a penny! In addition, the credit check won’t affect your credit score, yourncan see how you stand compared to other borrowers across the U.S., and we won’trnask for your social security number! To apply for a car loan online, simply fill out and submit thisrnform. Calculate Your Trade-In Value Many shoppers don’t realize how much their vehicle isrnactually worth. Want to trade-in your car without visiting us? Give us as muchrndetail about the make, model, and condition of your vehicle to the best of yourrnknowledge and one of our financial experts will reach out to you with a quote!rnTo request a trade-in estimate, fillrnout and submit our online form.   Here at OkCarz, we value the health and safety of all ourrncustomers and staff members. If you have any questions about our onlinernprocess, don’t hesitate to contact us. Sharing is caring! Facebook Twitter Google+ Pinterest More from OkCarz How to Keep Yourself from Driving While Distracted Safety Tips for Drivers Sharing the Road with Motorcycles How to Protect Your Child from Suffering Heatstroke in a Car Is Driving Under the Speed Limit Dangerous? < Previous post Next post >

How to Get Approved for an Auto Loan at OkCarz During this time, it’s important for residents to stayrnindoors. However, this presents a problem for those in need of an affordablernvehicle. How can I shop for a used car while stuck at home? Can I apply for arnused car loan online? The simple answer is yes. Here’s how you can get approvedrnfor an auto loan at OkCarz. Car Loan Pre-Approval Process The process of applying for a used car loan is easy here atrnOkCarz. We only require your name, address, email, phone number, and proof ofrnidentity. No social security number is necessary! In addition, we do not chargernfor the credit check nor will this check affect your credit score. Once yournsubmit the required information listed, you will be given: Your current credit score Your credit standing compared to the rest of thernUnited States The maximum amount you qualify for Now, where do you go to apply for an auto loan with us? Ifrnyou are interested in any of our vehicles, get pre-approved by filling out andrnsubmitting this online form. Contact OkCarz Online Have questions about your loan offer? Aren’t sure which vehiclernwill suit your needs? Our staff will be responding to any questions right onrnour website. To reach out, contactrnyour preferred location here and we will be happy to assist you in any wayrnwe can regardless of where you are in your car shopping process.   Found this post helpful? Want more tips to make shopping forrna vehicle feel easier? Make sure to check out the OkCarz blog, where we cover everythingrnautomotive all month long! Sharing is caring! Facebook Twitter Google+ Pinterest More from OkCarz What is the Debt Snowball Method? Tips for Improving Your Current Budget Tips for College Students Shopping for a Used Vehicle Ways You Can Minimize Credit Card Debt < Previous post Next post >

Restaurants that Deliver in Orlando Even though you may not be able to sit in a restaurant and have a nice meal, many restaurants around Orlando are now offering delivery for those stuck at home. Here are a few recommendations. NY Giant Pizza & Grille Cuisine: Pizza and Sandwiches Website Cheng’s Chinese Restaurant Cuisine: Chinese Website Fama’s Pizza and Pasta Cuisine: Italian Website Due to the ongoing situation with COVID-19, restaurant hours may change, and some may close. Check that the establishment is open by either contacting the restaurant or checking their website. Sharing is caring! Facebook Twitter Google+ Pinterest More from OkCarz Restaurants Offering Veteran’s Day Discounts in Florida Fun Activities to Do at Home During Fall 2020 Which Haunted Houses are Open in Florida in 2020? Where to Take the Kids to Buy Pumpkins in Florida < Previous post Next post >

Tips to Save Some Cash While Staying at Home With millions of people staying at home and many laid offrndue to the Coronavirus situation, money is tighter than ever for familiesrnacross the nation. Thankfully, there are ways you can reduce the amount you payrnwhile in quarantine. Here are a few tips you should consider in order to savernsome cash while staying at home. Lower Utility Usage While you may not be able to control the amount you pay forrnrent or your mortgage, but you can control how much water and electricity yournuse. Try to take shorter showers and don’t let the water run while you arernbrushing your teeth. Regarding electricity, avoid leaving lights on when no onernis in the room. Reducing the number of lights can also lower electricity costs.rnWarm in the house but cool outside? Skip the A/C unit and open a window to getrnsome fresh air and a cool breeze in. Cancel Unnecessary Subscriptions and Services How often do you watch TV? Do you use that Netflix or Hulu account you pay a subscription fee for every month? Consider canceling any services you and your family don’t use. Cable is a big one to consider as that is the most expensive form of entertainment for families to keep and there are many cheaper options available. Plan and Ration Your Meals Since we can no longer visit restaurants or bars to get a good meal, it’s time to start prepping your food at home more. Plan the meals you want to make so you know what you need to buy. Avoid getting delivery if you can. Getting food delivered is more expensive from a restaurant and you will need to pay a delivery fee plus a tip for the driver. Have a full pantry, fridge, or freezer? Cut grocery costs by eating the food you already have. Also, try to ration how much you eat. Of course, you want to consistently eat a healthy amount of nutritious food regardless of the situation. However, if you tend to eat heavily and you want to lose a few pounds, eating slightly less will be good for both your wallet and stomach. How are you saving money while staying at home? Let us knowrnin the comments! If you found this post helpful, check out more tips and tricks on the OkCarzrnblog! Sharing is caring! Facebook Twitter Google+ Pinterest More from OkCarz What is the Debt Snowball Method? How to Improve the Lifespan of Your Brakes What Do I Need to Replace a Flat Tire on My Car? How to Maximize the Trade-In Value of Your Car < Previous post Next post >

When Will Late Payments Be Reported to Credit Bureaus? With financial uncertainty surrounding the lives of millions of Americans, people across the US are wondering how they can pay their bills. For many, making payments on vehicles are at the top of their minds. How will late car payments hurt my credit score? When will late payments be reported to credit bureaus? Consequences of Late Payments Unfortunately, making one late payment can hit your creditrnscore hard. In addition to loss of credit, consequences of late payments yourncan encounter include: Late fees are added Potentially a raise in APR You will be behind for the next month(s) untilrnyou come up with enough cash to catch up Late payment will be listed on your credit reportrnthat can stay for up to seven years Thankfully, there is a way to avoid getting your laternpayment reported to credit bureaus. Legally, late payments cannot be reportedrnto credit bureaus until you are 30 days late. While you may not avoid thernadditional late fees and increase in interest, paying off that late payment beforernit is 30 days overdue can save your credit score.   Also, if you never missed a payment before and have a long historyrnof paying on time, some lenders will even waive the fee and interest increasernfor a one-time occurrence. It never hurts to ask. Financing for an Affordable Car in Central Florida Here at OkCarz, we understand that everyone makes mistakes.rnEven if you have bad credit, we are willing to work with you to help you findrnan affordable and reliable car. Going through some tough times due to COVID-19?rnLet’s work it out. To reach out to us online, send us your contact information andrnyour request for assistance using thernform on the bottom of this page. We will get in touch with you and discuss somernoptions so you can finance for a vehicle at a price you can afford. Sharing is caring! Facebook Twitter Google+ Pinterest More from OkCarz How Does the Anti-Lock Braking System Work? What is the Debt Snowball Method? When Should I Buy a Different Vehicle? What’s the Difference Between a Sunroof and a Moonroof? < Previous post Next post >

Buying a Vehicle with Poor Credit in Florida Especially during times like these, it can be difficult tornmanage your finances. You may have experienced a job loss, unexpected medicalrnbills, or need to care for a sick relative. While the rest of the world has slowedrndown with the Coronavirus spreading through our state, country, and world, yourrnneed for a vehicle doesn’t. So, where can you get approved for a bad credit carrnloan in Central Florida? If you have poor credit and need an affordable andrndependable vehicle, you can find the financial assistance you need at OkCarz. Online Car Loan Application As you stay at home, you will need a way to submit yourrnonline car loan application. Here at OkCarz, our entire pre-approval process isrnonline and easy to use! With our online form submission, yournwill: Get approved within minutes See your credit score and how it stands comparedrnto the rest of the US Get the maximum loan amount you are approved for In addition, this credit check will not cost you even a singlernpenny! We will not ask for your social security number nor will your creditrnscore be impacted by this soft credit check. Also, you are not required tornaccept the loan offer you are given. Overall, there is no risk to you forrnapplying with us.   Happy with the loan amount you were offered? Browse our online inventory andrncheck out our large diversity of brands and models to choose from! Found arnvehicle you’d like to get more details on? Contact us online and we will providernyou with all the information you need. Sharing is caring! Facebook Twitter Google+ Pinterest More from OkCarz How Does My Credit Score Affect My Car Loan? What are the Advantages and Disadvantages of Getting a Cosigner? Where Can a Student Get a Car Loan in Central Florida? Drivers with bad credit find the loan they need to buy a used car in Lakeland, FL at OkCarz < Previous post Next post >

Ways to Earn Cash While Staying at Home After our communities went into quarantine to slow thernspread of Coronavirus, many workers whose jobs were deemed ‘nonessential’ suddenlyrnfind themselves out of work. Thankfully, there is still hope for anyone thatrnneeds to earn some cash while staying at home. Here are a few ways you can makernmoney while in quarantine. Selling Crafts and Unwanted Items Need to clean out that closet? With our stay at home orderrnnow in place, you likely have more time than normal. Clean out your room and separaternitems based on whether you’d like to keep them or not. Go through your pile ofrnitems you’d like to get rid of and consider selling anything in good condition orrnvaluable on websites like eBay. Like to make crafts? If you haven’t already,rnconsider picking up art as a hobby! Like what you make? Share your crafts withrnothers by selling your creations. Deliver Food With nearly everyone stuck at home, many people want to getrnfood delivered to them rather than risk the stores. Thus, delivery drivers arernin high demand. If you need money to pay off your bills to avoid fallingrnbehind, consider applying to be a delivery person for one of your local restaurants,rnfast food or locally-owned. This will surely help keep you busy and yourrnearnings from tips can build up fast. Tutor or Teach Online If you are a teacher that has been laid off from thernCoronavirus, there are still ways to share your passion for learning byrntutoring or teaching online. Tutoring sites like Chegg are options for you tornhelp students across the U.S. understand difficult concepts while making some extrarnmoney. Create Digital Art Are you an artist? Prefer to keep your work digitally ratherrnthan physically? Graphic design is a great option for artists that need to earnrnsome extra money. Play around with various programs like Adobe or Canva and startrnbuilding your portfolio if you don’t already have one. As your art getsrnrecognized, consider completing commissions for others or join a company thatrnneeds a graphic designer. Sharing is caring! Facebook Twitter Google+ Pinterest More from OkCarz What is the Debt Snowball Method? How to Improve the Lifespan of Your Brakes What Do I Need to Replace a Flat Tire on My Car? How to Maximize the Trade-In Value of Your Car < Previous post Next post >

Things to Do Outside During the Coronavirus Pandemic Being stuck inside isn’t fun for everyone. Plus, gettingrnsome fresh air and sunlight is healthy. So, you may be wondering what you canrndo that is outside while you are at home. Here are a few ideas you shouldrnconsider while social distancing. Outdoor Activities You Can Do in Quarantine Go for a walk or bike around the neighborhood (while staying clear of others) Have a picnic in your backyard Grill some food Play some yard games with the family, like cornhole Take care of your garden Set up a blanket and lay in the sun If you have kids, play games like Duck Duck Goose in the backyard Sharing is caring! Facebook Twitter Google+ Pinterest More from OkCarz What is the Debt Snowball Method? How to Help Your Child Learn to Drive What are the Signs of a Failing Transmission? 10 Things You Need To Do After a Car Accident < Previous post Next post >

Smart Ways to Use Your Stimulus Money Beginning this week, most Americans are now starting tornreceive a $1,200 stimulus check plus $500 for every dependent child to helprncurb the impact of the Coronavirus situation and stimulate the economy. Forrnmany families who have lost jobs or have reduced hours, the decision on how tornspend the stimulus check is easy. Food, rent, utilities, medications, and anyrnother essentials would come first. However, if you are still working and yourrnbills aren’t impacted, the decision can feel a bit harder. Here are a few smartrnways you should consider when using your stimulus money. Invest in Yourself The best way you can spend that extra cash is to invest in yourself. This can include catching up on bills, putting the cash into savings, starting or building your emergency fund, or even putting some of the money aside for future bills like your rent for next month. After all, it’s important to cover your living expenses and give yourself a safety net in case an emergency like this were to happen again. Pay Towards Loans Many lenders are offering relief to those affected byrnfreezing payments and even interest accrual. However, every lender is different,rnand you may still be seeing your interest build. If you have a loan thatrncharges interest, like student loans or car loans, you can put some of yourrnextra cash into paying your loans. Doing this will save you money in the longrnrun as you won’t have to pay as much money in interest. Make sure you arerncomfortable financially and caught up on bills before doing so. Splurge Strategically We don’t want to give the impression that you shouldn’trnsplurge at all. While those that have no longer have income should put the cashrnon necessities, it’s okay to spend some of the money on something you want asrnlong as you can afford it. This will help you feel sane and get a sense ofrnnormalcy back.   How should you do it? We recommend determining a certainrnamount to spend on luxuries while applying the rest strategically. For example,rnyou may consider using $200 for splurging while using the remaining $1,000 forrnsavings and debts. In addition, think of where you want that splurge money torngo. Consider putting it towards your favorite establishments, like gettingrndelivery from your favorite restaurant, buying gift cards for your favoriternstore, etc. This will help your favorite establishments stay in businesses as mostrnare struggling to stay afloat. How are you planning on using your stimulus money? Let usrnknow in the comments! For more financial tips like this follow the OkCarz blog. Sharing is caring! Facebook Twitter Google+ Pinterest More from OkCarz What is the Debt Snowball Method? Tips for Improving Your Current Budget Tips for College Students Shopping for a Used Vehicle Ways You Can Minimize Credit Card Debt < Previous post Next post >

Easy Online Trade-In Appraisal at OkCarz Considering getting a discount on your next car? Wondering howrnmuch your current vehicle is worth? Looking for a way to determine your car’srnvalue without visiting a dealership in person? Here at OkCarz, we provide freernand easy online trade-in appraisals for anyone curious about their vehicle’srnvalue. Continue reading to see how you can get your estimate quickly. Get Your Car Trade-In Value Estimate Getting your car trade-in value is so easy at OkCarz, itrnonly takes a few minutes to do! To get your estimate, simply provide us with: Your preferred location you would like to work with Your contact information Vehicle make, model, year, trim, mileage, and exterior/interiorrncondition Information regarding whether you are thernoriginal owner or if the vehicle has been in an accident To submit your information for a trade-in estimate, pleasernprovide this information on our onlinernform here. One of our representatives will contact you with an estimaternwithin 48 hours. Also, there is no fee to request your estimate nor will there bernany obligation for you to accept the offer! Interested to accept your trade-in value estimate? Want somernassistance in shopping for a different used vehicle? Have any questions for ourrnteam here at OkCarz? Contact us onlinernor by phone and we will be happy to help! Sharing is caring! Facebook Twitter Google+ Pinterest More from OkCarz Documents to Bring When Trading In a Car What is the Debt Avalanche Method? Tips to Stay Fit During the 2020 Holiday Season What is the Debt Snowball Method? < Previous post Next post >

Good Credit Car Loans vs Bad Credit Car Loans You may have found a vehicle that you are interested in buying and need to take out a loan to do so. However, your credit score may be less than appealing. Perhaps your credit score may be really high compared to the average person. How exactly does credit affect a car loan? Let’s explore the differences you may find in a good credit car loan versus a bad credit car loan. How Credit Impacts How Much You Pay Despite two borrowers requesting the same amount of money from a lender, chances are that they will not pay the same. If one borrower has better credit than the other, that borrower will likely get a lower interest rate. Not only that, but the person with the higher credit score likely won’t be required to pay as much upfront as a down payment. In addition, the borrower with a good credit score will have an easier time getting approved for a car loan than someone with bad credit. Why does this happen?   From the lender’s perspective, borrowers with higher credit scores are deemed to be less risky. These people have proven to pay their bills on time and the lender will have more security in making sure they get their money. Meanwhile, someone with poor credit may be seen as too risky. They feel there is a much lower chance that a person with poor credit will keep their financial commitments or make timely payments. Therefore, the interest rate is normally increased for poor credit individuals, and getting approved may take longer. What to Do if You Have Bad Credit If you have less than perfect credit, it’s okay. We understand that your credit score is not an accurate reflection of a person’s willingness to keep their commitments, and not always the best way to gauge an individual’s lending risk. The fact is that everyone deserves reliable transportation.   We own both car dealerships and the finance company. This gives us the power to offer loans based on your income and stability regardless of your credit score. Let us help you get into one of our high-quality pre-owned vehicles at one of our many Central Florida area dealerships today.   To get pre-approved, simply fill out and submit our online application. Need help along the way? Contact one of our No Credit Finance Specialists at 863-286-3822 and we will answer any questions that may arise. Sharing is caring! Facebook Twitter Google+ Pinterest More from OkCarz How Does the Anti-Lock Braking System Work? What is the Debt Snowball Method? How to Improve the Lifespan of Your Brakes What Do I Need to Replace a Flat Tire on My Car? < Previous post Next post >

Churches Offering Food in Lakeland, FL Are you severely impacted by the Coronavirus outbreak? Can’t afford to buy food for the family? Generous donators and volunteers are managing food pantries to help struggling Lakeland residents get the food they need to survive. See where you can pick up food in the Lakeland, Florida, area below. St. Joseph Catholic Church Address: 210 W Lemon St. Website St. Paul Lutheran Church Address: 4450 Harden Blvd. Website Believers’ Fellowship Church Address: 5240 N Socrum Loop Rd. Website Sharing is caring! Facebook Twitter Google+ Pinterest More from OkCarz Restaurants Offering Veteran’s Day Discounts in Florida What is the Debt Snowball Method? How to Improve the Lifespan of Your Brakes What Do I Need to Replace a Flat Tire on My Car? < Previous post Next post >