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Vehicle Financing Terms
the Federal Trade CommissionIt's important to understand the following vehicle financing terms before you negotiate a deal:
Amount Financed: The dollar amount of the credit that is provided to you.
Annual Percentage Rate or "APR": The cost of credit for one year expressed as a percentage.
Assignee: The bank, finance company or credit union that purchases the contract from the dealer.
Credit Insurance: Optional insurance that pays the scheduled unpaid balance if you die or scheduled monthly payments if you become disabled. As with most contract terms, the cost of optional credit insurance must be disclosed in writing, and, if you want it, you must agree to it and sign for it.
Down Payment: An initial amount paid to reduce the amount financed.
Extended Service Contract: Optional protection on specified mechanical and electrical components of the vehicle available for purchase to supplement the warranty coverage provided with the new or used vehicle.
Finance Charge: The total dollar amount you pay to use credit.
Fixed Rate Financing: The finance rate remains the same over the life of the contract.
Guaranteed Auto Protection (GAP): Optional protection that pays the difference between the amount you owe on your vehicle and the amount you receive from your insurance company if the vehicle is stolen or destroyed before you have satisfied your credit obligation.
Monthly Payment Amount: The dollar amount due each month to repay the credit agreement.
Negotiated Price of the Vehicle: The purchase price of the vehicle agreed upon by the buyer and the dealer.
Variable Rate Financing: The finance rate varies and the amount you must pay changes over the life of the contract.
intrinsic fraud
fraud (as by the use of false or forged documents, false claims, or perjured testimony) that deceives the trier of fact and results in a judgment in favor of the party perpetrating the fraud
Registry law called 'unfair to homeless'; Sex offenders are required to list an address, even if they don't have one.
Georgia's sex offender registry law should be struck down because it makes homelessness a crime, a lawyer told the state's highest court on Monday.In tough times, watch out for scams and for surprises on your bill
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After six years of litigation, the attorneys in a contentious class action lawsuit over "junk" faxes reached a $1.More Legal News