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 give you the best information to cover all areas of the borrowing process.

Starting A Budget for Your Next Car Loan

Most people ask “Why do I need a budget? What good is it going to do for me? Plenty! Though initially it takes some thought and effort to set up a budget the first time, it pays off quickly to provide peace of mind and often more money in your pocket. Remember: This is your […]

Keep Big Bad Credit Auto Loans from Blowing Your House Down

While you depend on your car or truck to get you places, being late on car payments could result in having your car taken away from you. This can cause anxiety which may result in you doing business with companies who claim they can help reduce your monthly car payment to avoid repossession. While car […]

How do i show child support as income for my auto loan

When it comes to buying a car, one of the most important considerations is the loan. And, while many focus on trying to qualify for the best rate while paying the least amount out-of-pocket, those with poor credit simply focus on trying to qualify for funding period. If they are either making or receiving child […]

Best Used Cars Of 2014 That Keep Resale Value

In today’s market, used cars can present a great opportunity for buyers to save money and walk out with the car of your dreams. Instead of wasting money on a new car, used cars can offer buyers a way to save money. However, it is important to pick the right used car. In some instances, […]

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

An auto loan without a down payment? See what a down payment can do for you. 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 […]

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  difference in your financial situation, and now you have that available. However, you’re torn 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. Your Financial Qualifications […]

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 […]

How to Use an Auto Loan Early Payoff Calculator

An auto loan early payoff calculator is a powerful tool that you can use to review your current auto loan and find out how much you might save if you pay down the refinance loan to pay it off early. While these calculators are easy to use, there are a few things you should keep in […]

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 […]

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