Financial Advice & Education Blog

Valley auto loans has always tried to provide the best possible source for people to obtain financing for their transportation needs. We provide lending services to people, with all levels of credit, who may be seeking zero down car loans, high risk auto loans, auto loans with no credit check as well as poor credit auto refinance loans and more. We believe you will find our superior service efficient and dependable compared to other providers and we want everyone to be able to make an educated decision about the type of financing they need. We have provided these advice and education blogs to help you understand your financial situation better. If you are a first time buyer with no credit or you are trying to refinance an existing auto loan, we try to provide you with the best information to cover all areas of the borrowing process.

Is It Necessary to Put a Down Payment on my Car Loan?

There are many reasons why people choose to pay down payment amounts that are so much lower than the recommendation of financial advisers. According to, conventional wisdom is that 20 percent is what many financial advisers recommend as a down payment when purchasing a vehicle, yet, the majority of consumers who put up a […]

Head out on the highway...

Summer and fall is a great time of year for you to sit back around the pool, enjoy picnics with your family and work on that tan that you lost during the colder months or explore some new hiking trails or rivers. But for the adventurous type, summer and fall is also the perfect chance […]

Pay Off Car Loan or Open Roth IRA?

For years, you had struggled to save up enough money to make a significant difference in your financial situation, and now you have that available. However, you’re torn as to whether you should pay off the rest of your car loan or open up a Roth IRA, and you have only enough money for one. […]

Will a Cosigner help your loan

If you have a low FICO score or if you have not yet established a credit history, you may be denied for a car loan if you apply. Additionally, if your income does not meet the lenders minimum requirements, you could be turned down for a loan. If you are employed, but have only been […]

Pre-qualify with Valley Auto Loans

Valley Auto Loans wants to put you in the best position for getting a new car and we understand how the final cost of the loan will affect your credit. That is why they endorse pre-qualification. Getting pre-qualified for an auto loan before hitting the dealership is pretty much the best way to shop for […]

Getting a Charge out of Driving

Gas prices are going up and it’s become increasingly common to drive down the road behind a hybrid or electric vehicle. Gone are the days of the boxy, dinky electric cars with all the range of a wind-up toy and the top speed of an RC car. The modern electric car is sleek, stylish and […]

Using an Auto Loan EMI Calculator

An auto loan EMI calculator can help you budget for your next car. The acronym EMI stands for Estimated Monthly Installments. The EMI tool can help you estimate how much your monthly payments will be if you take out a loan for a car. What You Need In order to use an EMI calculator, you […]

can my car get better fuel economy ?

Gas prices have progressively increased since the turn of the century, averaging between 3 and 4 dollars per gallon. Filling up your car or truck may now cost somewhere between 50 and 100 dollars, depending on your vehicle. Depending on your travel and commuting situation, fuel expenses add up. You may not be able to […]

Menu Title