A major purchase like a car or truck is a big decision and involves a substantial amount of money. It’s never entirely convenient, nor should it be. It’s good to take some time and consider the various factors involved – lots of research and maybe even a little worry aren’t entirely inappropriate. And if you choose to utilize any of the many used car finance options out there, that brings in a whole other set of decisions to be weighed and made.

But that doesn’t mean it all has to be as difficult or draining as it sometimes seems. It certainly doesn’t have to be the chore it was a generation ago. The wealth of information now available has forced salespeople and dealerships to radically alter the way they do business – often to your favor.

Auto financing, including used auto loans, has changed as well. There are numerous online lenders who specialize in vehicle financing, for great credit, good credit, and even bad credit, creating competition for your business and more competitive terms and rates than would have been conceivable a generation ago. And you don’t have to dress up or make an appointment to take advantage of any of it. Imagine – access to competitive used vehicle loans without having to wear high heels or a tie!

At Loanry, and across the Goalry.com family, we’re making it even easier to organize and manage your personal and small business finances across the board. Any connected device, from wherever you happen to be, whenever it’s convenient for you, means you can log in, check your credit score, compare interest rates, read up on the pros and cons of various types of financing, or ask us to find you a lender likely to meet your needs. It can go as quickly or slowly as you prefer – your schedule, your pace. And we won’t even ask what you’re wearing!

There are many reasons you may be looking to finance a used vehicle. If limited resources or a less-than-perfect credit history is one of them, we’d like to let you know that you’re not alone. Many Americans are currently struggling to get better control of their debt, to afford their modest lifestyle, or to manage the difficult balance between work and home, or career and family.

There are no easy answers, but neither are things as hopeless as they may sometimes feel. With a strategic and realistic household budget, a few good decisions about managing our resources, and a little insight and assistance from folks who’ve been there, you could find yourself with a better credit score and a more balanced personal or small business budget than may seem possible right now. It’s not about tricks or gimmicks or buying anything from us or anyone else; it’s about educating yourself and choosing your focus at critical moments.

You’ve heard that the rich get richer, and that’s true – but you don’t have to be “rich” for the principle to apply. The more you strengthen your credit history, the better the terms offered to you for any future financing. That means you spend less on your borrowing and have access to more resources, allowing you to use your money more productively and continue increasing your credit worthiness and your financial position going forward. It’s not just about money – it’s about choices, and power over our own lives.

And yes, money is a part of having those choices. The better choices we make starting now, with used car financing or anything else, the more choices we’ll have later.