Installment Loans

From $200 - $3000*
Simple and Fast

Signature Installment Loans

Get a loan decision today!

Safe and Secure

SSL

See the lock in the URL bar? SimpleFastLoans uses GlobalSign verified and secure SSL to protect your information

Personal Information
Find your Mail Offer Promo Code in your Mail Offer Letter. No Mail Offer Promo Code, no problem! Leave the field blank and continue to apply.
Contact Information
Employment Information



Income Information


Bank Information

Voided Check

California permits this lender to write loans only for personal, family or household use. Do you intend to use the proceeds of this loan primarily for personal, family, or household use?

Disclosure Statement

Federal E-Sign Act Disclosure and Consent and Consent to Auto-dialed Marketing Calls and Text Messages:

By checking the "I AGREE" box, you affirmatively consent to the electronic delivery of documents, notices or disclosures related to the information you are submitting to Simple Fast Loans. Those documents, notices, and disclosures may include, but are not limited to, documents or notices associated with any loan obtained by you based on information you provide to this website, and the disclosures you may access by clicking on the tabs on this website.

Please click on the HTML links to review the disclosures prior to continuing with your submission. In order to retain these disclosures, you may print the documents by selecting Print, select your printer, and click on OK to print to your printer where the document can be printed on your own paper, or select Save or Save As to save and retain a copy on your computer.

You understand that you need a computer with Internet access and a compatible browser to receive, view, print or save the documents, notices, or disclosures. Specifically, you must have the following equipment and software:

  • A personal computer or other device which is capable of accessing the Internet.
  • An Internet web browser which is capable of supporting 128-bit SSL encrypted communications, such as Microsoft® Internet Explorer, Chrome®, Safari®, and Firefox®.
  • Software which permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 8.0 and higher.
  • A valid e-mail address on file with us, and e-mail software capable of interfacing with standard e-mail protocols.
  • Access to a printer with the ability to download information in order to keep copies of any documents for your records.

By affirmatively consenting, you confirm that you have access to the necessary hardware and software.

If you do not agree to receive these documents, notices and disclosures electronically, please do not place a checkmark in the “I AGREE” box and discontinue providing your information to us. You may withdraw your consent by unchecking the "I AGREE" button before continuing, but understand that doing so means that we will not be able to contact you as described below. If after consenting, you wish to withdraw your consent at a later time, you can do so by contacting us at 800-922-8803, or email us at webquestions@clacorp.com.

To update your contact information or obtain a copy of any document, notice or disclosure, you may contact us at the number, email address or mailing address set forth above.

BY CHECKING THE "I AGREE" BOX, (1) YOU CONSENT TO RECEIVE IN AN ELECTRONIC FORMAT ANY DOCUMENTS, NOTICES, OR DISCLOSURES RELATED TO THE INFORMATION SUBMITTED TO US, AND (2) YOU ACKNOWLEDGE THAT YOU PRINTED OR SAVED A COPY OF THIS CONSENT.

Consent to Auto-dialed Marketing Calls and Text Messages. By checking the "I AGREE" box, you authorize Simple Fast Loans (including its agents and any related entities) to make telemarketing calls and send marketing text messages to your mobile telephone number listed above using an automatic telephone dialing system or an artificial or pre-recorded voice on a recurring basis. Signing this consent is not a condition of receiving a loan through us. If you do not wish to receive sales or marketing calls or texts from us, you should not check the "I AGREE" box. You understand that any messages we leave for you may be accessed by anyone with access to your voicemail or texts. You understand that your mobile phone service provider may charge you fees for calls made or texts sent to you, and you agree that we will have no liability for the cost of any such calls or texts. At any time, you may withdraw your consent to receive marketing calls and text messages by calling us at 800-922-8803, emailing us at webquestions@clacorp.com, or by other reasonable means. Alternatively, to stop marketing text messages, simply reply "STOP" to any marketing text message that we send you.

BY CHECKING THE "I AGREE" BOX AND PROVIDING YOUR MOBILE TELEPHONE NUMBER ABOVE, (1) YOU CONSENT TO OUR PROVIDING AUTODIALED MARKETING CALLS AND TEXTS PER THE DISCLOSURE (ABOVE) TO YOU ELECTRONICALLY AND, (2) YOU CONSENT TO OUR MAKING TELEMARKETING CALLS AND SENDING MARKETING TEXT MESSAGES TO YOU USING THE MOBILE TELEPHONE NUMBER ABOVE.


Print   Save

Delaware Itemization Charges

Bi-Weekly Signature Installment Loans Consumer Phamplet $500-$750
Monthly Signature Installment Loans Consumer Phamplet $500-$1,000

How to Negotiate Car Price When You Are Bad at Haggling

May 10th, 2019 | Ana Elliot

 

So, it is May. Five months into the year. Have your New Year's Goals crumbled? Feeling less than thrilled with 2019 so far? Well, if one of your New Year's Goals was to get a new car, it is not too late for you! Nothing enlivens your year like a new ride to cruise around in! For some people though, buying a new car is not an enlivening experience. For some people, the process of shopping then haggling can be horrifying. So, are you delaying because you, like many others, are terrified of the negotiation process that comes with getting a car? Well, don't worry, we've got some advice to help you become a better negotiator and save the most money you can!

Negotiating Car Price And Car Loans Like a Boss

Haggling doesnt come naturally to a lot of us. It is a skill that definitely fell to the wayside when we stopped buying everything directly from sellers who would throw in a chicken if we bought the cow. If you get nervous at the very thought of having to haggle or negotiate with someone, you are definitely not alone. We are so used to going to a store, buying an item with a price tag, and just handing money over to a cashier. Haggling just isn't part of our daily lives. Our economy has moved past that except when it comes to cars! So, if a new car is something you need this year, buckle up and get your haggling pants on!

A lot of the tips to follow will feel less like how to negotiate a car price and more like executable actions that have less to do with haggling than just keeping a price down. There will be specific actions that will keep dealers from hustling you as well as ways for you to know when they are. If you are a shy person or don't have the gift of gab, this list will still help you. Haggling is mainly who knows more and has more control over talking circles around the other person. This isnt to say that the dealers won't try talk circles around you but it is our goal that, if you follow this list, you will be able to see the circles and stop them in their tracks! Negotiating car price should not be difficult! And with that, let's get on with the learning:

Research Beforehand

Nothing is worse for negotiation then not having all the information. There are so many things you need to be aware of ahead of time. First off, make sure you know your credit score and what your score means as far as your value. A better credit score means you are a safer investment for a loan which makes you more valuable. If you don't know your credit score, you could set yourself up to get hustled. It is also a good idea to research the dealerships around you. Read reviews, look at their offers, and see if you can find anything else. It is a good idea to have a list of places you want to go to. Also, make sure you know the value of the car you want to trade in. Doing this research ahead of time can make sure you get the best deal at the table.

Research the Car You Want And Know Your Price Range

Another thing to research is the car or cars you want. Using sources like Kelly Blue Book to compare cars can help give you an idea of what you want or what you can afford in your price range. The importance of this is to go into a dealership knowing what you want or what you can afford. Dealerships and their salespeople are going to try to push you into cars that are too expensive or outside your price range if you don't have a clear idea of what you want when you walk in. They are fast talkers and will put you in a car you love but definitely cannot afford. They'll bamboozle you with low monthly payments, but you'll ultimately end up paying more than you ever wanted too. Knowing what you want and how much you can spend in total beforehand will help you so much.

Research Lenders and Terms

Odds are, the best loan terms and insurance rate is not gonna be at the dealership. Dealerships often markup their fees in a deal with their lenders. It benefits the lender and the dealership but not you. Instead, research auto loans and different providers. Often, banks and credit unions provide the best loan terms. You should definitely make sure you do your auto loan research!

Get Pre-Approval for Your Financing

Pre-Approval will make negotiating car price a dream. Before we get into why let's just explain what pre-approval is. After you've done your research about auto loans, you can go to the bank or credit union and get approved for a loan and terms prior to car shopping. What this does is not only makes sure your transactions are separate, but it means when you go in, you are going in with a hard price limit. You have only been approved for a specific amount so the dealer can't try talking you into a higher priced car. It also means that if the dealer really wants your business for the loan, they'll have to beat the pre-approval which could save you more money.

Keep the Transactions Separate

What do we mean by that? Well, simply, keep your trade-in as a separate transaction. Why? Well, dealerships are able to play around with figures in a complex multi-purpose transaction. You might think they gave you a great deal on your trade-in but then they added more to the price of the car or something like "dealership fees" to make it up. It's hard to follow the math and, odds are, you probably aren't getting the best price for your trade-in, even if it looks good on paper. You can get the best money by selling your car away from the dealership. Try other dealerships or, if you want the most bang for your used car, try selling it independently. Putting your car up for sale on craigslist or Facebook's sales pages can help you get a better price while also helping you negotiate like a boss! Another great tip is to take out an auto title loan on your old car, use this cash to help pay more upfront for the new car then when you find a buyer for the new car, you can pay the title loan back! This keeps your transaction separate while still giving you the benefit of money off of your old car. Remember though, auto title loans only work when the car you already own is fully paid off. If you are still paying a loan on your current car, a title loan is probably not going to help you.

Focus on the Total Cost When Negotiating Car Price and Loan

A lot of people get too caught up in bits and pieces of the car buying experience. They want low upfront costs, more money on their trade in, or the most common concern, a low monthly payment. The issue here is that the dealer can use any of these focuses to make you lose sight of the bigger picture. The ultimate goal is to make sure you don't spend too much in total. A low monthly payment is important but if you don't want to pay forever and pay thousands in interest, maybe look a lower price range. You want to save money in the long run and, if you are too focused on a small monthly payment, the dealer can use it against you. Don't be misled. Make sure you keep your eye on the bigger picture.

When Negotiating Car Price, Always Speak to a Manager

When you deal with the dealership, if it is by phone, email, or in person, make sure you deal with a manager. A manager does not work off of commission but instead works off of sale quotas. If you deal with a manager, especially at the end of a month, they will want to make sure their sales numbers are up and you will have a better chance of getting the price you want so they can ensure the sale. They won't try to upsell you--the price doesn't matter as much to them since they aren't making a commission off of it. Managers can also decide prices on the spot and won't need to go "get approval."

Use Different Forms of Communication

You might be tempted to just go into a dealership, test drive a car, and attempt to negotiate car price right there and then but press pause. You should 100% be using alternate forms of communication to your advantage. Test drive a car, see if you like it but then walk away. At that point, send emails to or phone different dealerships telling them you are looking at this car and you would like to know what their price is or what deal they can offer. Make sure to let them know that you are in communication with other dealerships regarding this particular car. This will let them know that they are competing against different dealerships and to bring their A-game if they want the sale. This keeps them from talking circles around you and keeping you in the office for ages which can wear you down. It also means if you don't like how they are treating you or they aren't giving you what you want, you can easily just cease communication without having to make a scene or "leave their office." The other thing to remember is if you do this, don't tell them what other dealerships are offering because then they can just knock off a few hundred to just barely beat the price. If you don't give the price, it can get them even lower. Overall, negotiating car price over the phone or email can be a great help.

Go Forth and Haggle

Hopefully, you were taking notes and you feel better about this whole 'negotiating car price' thing. It shouldn't be too scary provided you've done your research and you approach the whole experience from a place of knowledge and power. Remember, if you aren't comfortable talking the talk in person, send an email Technology has made it so even those of us who aren't savvy hagglers can still get the best price!

If you found this article useful and are stressed out about your finances in general, why not check out some of our other posts! Here is one about why pre-approval is so important when getting an auto loan! Let our financial know-how be your gain! See you next time!