What is a Loan to Value on a car?

Planning a road trip? This step-by-step road trip planner is here to help as you get ready to embark.Whether you’re hitting the road with your family or going for a solo adventure, road trips are an iconic summer experience. Planning a road trip, however, can be a bit daunting, and many people have trouble figuring out all of the details that will guarantee a successful vacation. That’s why we’ve created the ultimate guide to planning a road trip. From picking the best destination to budgeting accordingly, here’s everything you need to know to hit the road.Here’s your ultimate guide to planning the perfect road trip.Step One: Outline your trip.This might be the easiest – or hardest – decision to make. While you should have a destination in mind, it’s important to remember that the road trip is not about the destination. A road trip is about the experience of travelling, the joy of the open road, and the stops you make along the way. It can be helpful to pick a theme for your road trip. You may want to hit a bunch of national parks to see the views and enjoy the hikes, or go on a food tour of a certain area. Once you figure out what you want your road trip to entail, you will be able to focus more on the actual route and map. Ask yourself the following questions to define your trip:How long do you have?Are you planning on a three day road trip or a month long road trip? This will greatly affect what options are available to you.Is your car in good shape?Another important consideration is the car you plan on using. Is your car able to handle a road trip that is a significant distance, or should you keep your trip a bit closer to home?How long can you drive in one stretch?If you are driving alone, it’s important to remember that you cannot drive 24 hours a day. Consider how much time you truly feel comfortable driving before taking a break. Can you go three hours? Five hours? Eight hours? If you have another driver in the car you can trade off driving, but make sure you have a clear understanding of what each other’s limits are when it comes to sitting behind the wheel. And remember–road trips are about enjoying the whole trip, not just getting from point A to point B as fast as possible.Where’s your final destination?Once you know your road trip theme and the amount of time you have you will be able to determine your final destination. From there, you can map out an alternate route home so that you can hit different stops on your way home. Step Two: Determine your budget.Like everything in life, your road trip plan will depend heavily on your budget. Are you trying to do this for as little money as possible, or are you willing to spend some cash to enjoy all the trip has to offer? While driving is usually cheaper than flying (especially when there are multiple people involved) there are still several expenses to consider. Gas, accommodations, food, attractions – everything comes with a price tag that needs to be considered.Gas: Look at the average gas prices along the way to get a rough idea of how much money you will spend on gas.Accommodations: Think about where you want to sleep for the duration of your road trip. Are you sleeping in your RV or resting at a campground overnight? Would you prefer to stay at a motel or hotel instead? Factor in the cost per night that you will need to budget.Food: Eating out at restaurants adds up very quickly, especially if you are doing it three times per day. Consider how often you’d like to eat out and what other options you may have along the way. Are you able to cook at any of your accommodations? What snacks and quick meals can you bring along with you? Look at each day of your trip and determine how much you will spend per day on food.Attractions: There are bound to be attractions along the way that will have entrance fees and other miscellaneous costs. Consider this as you map out your route, knowing that all of the attractions may not fit into your budget.Step Three: Map it all out.Once you have the bones of your trip figured out (the timeline, the final destination, the theme, and the budget) you can get down to the real heart of the road trip – the map. There are several ways to create the perfect road trip map for yourself. Of course, you can go old school and plan your map with a paper and pen, looking at a map and figuring out what towns and sights you’d like to see. But if you want to make your life a little easier, there are several apps such as Roadtrippers and Wanderlog that can help you create the perfect road trip. You can even create a road trip map on Google Maps, which may be more intuitive for some travelers. All of these apps can help you plan what attractions, accommodations, and routes you should use. And when you use them during your trip, they can provide live traffic updates and help keep your trip on schedule. Want to know the easiest way to save money for your road trip? Refinance your loan with Auto Approve!Refinancing your loan with Auto Approve can save you hundreds (if not thousands) – it might even fund your summer road trip!Get a free quote to see how much you could save.Step Four: Get organized and make your reservations.While road trips can provide some much-needed spontaneity, it is important to have your ducks in a row as much as possible. Imagine planning a route out only to find that the hotel you were planning on using is sold out for the night. Making a timeline for each day and booking your reservations ahead of time will help ensure your road trip stays on track for your timeline and your budget.Step Five: Prepare your car.It’s not every day that we ask our car to endure such a trip, so it’s important to make sure your car is up to the task. Be sure to check the following before heading out (or take your car to be inspected by a professional):Check that all fluids are topped off. This includes transmission fluid, coolant, power steering fluid, and wiper fluid. Change your oil and oil filter.Inspect your tires. Do they maintain proper pressure and have good tread? Check that the brakes are working well. Inspect the brake pads and rotators and replace as needed.Inspect the lights and ensure that they are all working properly.Change the wiper blades if they are not working perfectly.It’s also a good idea to start with a car that is clean inside and out. It will help keep you organized during the long drive and create a more peaceful environment. Give your car a good wash and vacuum and have a plan for collecting garbage while on the road. Our recommendation? Keeping a small garbage bag in the car is always a good idea!Step Six: Pack everything up.One of the many advantages of road tripping is that you can take anything and everything you might need – as long as it fits in your car. Since you’ll be on the road for so long, there are some unique things that you should consider bringing along, especially if you’re traveling with kids. In addition to the regular packing you’d do for a trip (clothes, toiletries, etc), consider packing up the following:Road trip essentials for youDriver’s license, insurance, and registrationExtra key for the carCar manualEmergency cashFirst aid kitAntibacterial wipesRoad map (in case you are unable to use your phone for some reason)Snacks – loads and loads of snacks!Reusable water bottleCell phone mountCell phone chargerHand sanitizerGallon of water, soap, and paper towels (for when you really need to wash your hands)SunglassesUmbrellaExtra blanketsCoolerFolding camp chairsSunscreenBug sprayPen, pencil, and a notebookTrash bags for the carRoad trip essentials for kidsSnacks (yes, even more snacks)Travel gamesHeadphones TabletColoring booksBooksToys, such as sticker books, Water Wow Books, travel play mats, and fidget toys (note: avoid packing a ton of toys – instead, try to select two or three to rotate through)Road trip essentials for the carSpare tireCar jackJumper cablesTire pressure gaugeFlaresTool kitWiper fluidGlovesFlashlightTire patch kitIf in doubt, check out our guide to putting together an emergency kit for your car.Step Seven: Enjoy the ride!When your car is packed and your map is loaded up and ready to go, you can finally enjoy your trip. Drive safely and be sure to take breaks when you feel tired or distracted. Engage in conversation or games if you have passengers, or crank up the music if you are driving solo. Whatever you do, enjoy the drive as well as the destination.That’s everything you need to know to plan a road trip.A successful road trip needs a good route, a thoughtful packing list, and a budget that can make your dream trip a reality. And if your budget has you feeling stuck at home, Auto Approve may be able to help. Discover how much you can save by refinancing your car loan with Auto Approve today!Get your free quote now.

Let’s talk about how to clean your car.Spring is finally here – and so is spring cleaning. While you most likely clean your car more than once a year, spring is a great time to get into all of the nitty gritty car cleaning that may fall by the wayside throughout the year. Taking the time to clean your car at home is much more effective than a retail car wash, not to mention less expensive. So let’s roll up our sleeves and break out the hose for a car spring cleaning that will leave your vehicle fresh and shiny as new.Here Are Our Top Tips To Spring Clean Your Car.Interior car cleaning kit essentialsWhat is the best way to clean the interior of a car? When it comes to your car’s interior, you may need a few more things to get it into tip-top shape, but you most likely have all of these things in your house already. VacuumA vacuum is essential for cleaning floor mats, car seats, and underneath seats.ToothbrushRunning a new toothbrush along the dashboard can help you find collected debris and get dust out of hard to reach places.\Microfiber clothsUsing a microfiber cloth with an interior cleaner (see below) can help clean, polish, and protect your interior.Interior cleanerMost dashboards are made of plastic (although high end models may use wood), so there are several options when it comes to the best cleaner. Find a cleaner that will not only clean but protect your interior as well. Consider the scent, cost, and reviews of effectiveness before purchasing. Foam glass cleanerA foam glass cleaner such as Invisible Glass does not drip like other liquid glass cleaners, resulting in a clearer finish with less streaks.Exterior car cleaning kit essentialsWhen looking through the car wash aisle, there may seem like an endless number of products at your disposal. You may find yourself asking “what is the best thing to use to clean a car?” The truth is, you only need a few products to get your car squeaky clean. For the exterior, a simple car cleaning kit that includes quality car soap, a car washing mitt, and several microfiber cloths will serve you well.Car soapWhile it is acceptable to use dish soap to wash your car, experts recommend using a specialty automotive soap instead. Dish soaps can actually strip the wax off of your car’s exterior and dull the finish. Automotive soap is designed specifically for automotive paint so it won’t cause any damage.Microfiber mittBe sure to use a microfiber mitt instead of a sponge when washing your car. Microfiber is much more gentle on paint than traditional sponges, which can trap dirt and scratch the paint. Microfibers have long and porous strands that help lift the dirt off of your car and avoid scratching.Microfiber cloths Drying your car with a microfiber cloth will help minimize water spots and streaks, giving it a shine and polished look that you can’t get with air drying alone. Pay less on your refreshed wheels with a refinanced loan from Auto Approve. Most people are overpaying on their auto loans. Refinancing your car loan could save you thousands. But don’t just take our word for it…Get a free quote to see how much you could save.What is the best way to wash your car?Follow these steps for ultimate car spring cleaning.Step 1: Choose the right time and placeWashing your car when the sun is shining bright and there is no shade will make your job much harder. Your car will dry much quicker in the direct sun, leaving streaks and water spots. Park in the shade or wash your car in the morning or evening when the sun isn’t glaring to give yourself the best results.Step 2: Gather your supplies (and prepare to get wet)Preparation is key for an effective car cleaning. Gather your car cleaning kit and dress appropriately in flip flops and clothes that can (and will) get wet.Step 3: Declutter and vacuum the interiorA good first step is to take everything out of your car, from trash on the floor to your emergency kit to your floor mats. Vacuum the carpets, seats, and every nook and cranny that the hose can fit. Vacuum and wipe down your floor mats outside of the car.Step 4: Clean the interior dash, windows, and upholstery (if needed)Use a dry, new toothbrush to clean dirt out of hard to reach places. Brushing textured plastic can help loosen dirt that is stuck in the grooves. Then, use an automotive interior cleaner and a microfiber cloth to clean and polish the dashboard, center console, and the door panels. After the plastic is cleaned, use a foam glass cleaner and microfiber cloth to clean all glass, including the windows, windshield, sunroof, moonroof, and mirrors. Then vacuum your seats and any other upholstered surfaces using a small handheld vacuum or attachment to ensure you can get into all your vehicles nooks and crannies.Once your seats have been vacuumed, assess if there are any areas that need spot cleaning and use an appropriate cleaning solution.Step 5: Replace mats and personal itemsPut everything back where it should be, making note that your emergency kit has everything you may need in the future. Step 6: Hose the car downOnce the car interior cleaning is done, it’s time to move on to the exterior. Hose down the entire car from top to bottom, including the wheels and wheel wells.Step 7: Use the two bucket method to wash your carFill two large buckets with water and put your soap in one while leaving the other bucket with regular water. Starting at the top of the car and working your way down, use a car cleaning mitt to lather the car. Every now and then, rinse off your mitt in the clear water before reapplying more soap. Break your car down into sections (i.e. roof, windshield, hood, front driver’s side panel, etc) and rinse each section off after thoroughly cleaning it. This will help ensure that an area does not dry with soapy residue.Step 8: Clean your wheels and tiresAfter washing the body of the car, it’s time to focus on the wheels and tires. You can use the same mitt, rinsing often in the clean water, but may find that a toothbrush works best for getting in between the spokes of the wheel.Step 9: Rinse and dryHose down the car one final time and use a microfiber towel to dry off the car section by section. This will give your car a polished look and get rid of any water marks or streaks.Other Car Cleaning TipsWe scoured the internet for the top car cleaning tips you may have never heard before. Try the following to get your car in top shape if they apply, being cognizant of any elements of your unique vehicle that might make some cleaning applications ill-advised or not applicable.While washing and drying your car, use long, sweeping motions rather than circular motions. This will help ensure there are no circular drying marks. Use a low pressure setting on your hose to avoid spraying soap and dirt to other parts of the car. This will also decrease the amount of direct pressure on the car (which can be bad for the body and for the paint)Use a small amount of concentrated soap directly on your headlights and bumper to remove stubborn bug residue, tar, bird poop, or tree sap.Cleaning your headlights with a small amount of toothpaste will help restore their clarity. Simply rub a small amount on a paper towel and buff it onto each headlight.Use a separate cloth entirely for the glass area. This will help avoid scratches on the glass from dirt that may get trapped while washing the body.Apply Rain-X to your windshield and windows. The coating helps repel water, reducing the need for car wipers. Keep a container of black tea in your car. This can help absorb bad odors and keep your car smelling fresh.You can make a DIY air freshener by mixing your favorite essential oil with baking soda and leaving it in the car. The baking soda will absorb bad odors while the essential oils keep your car smelling nice.For a deep interior clean, try renting a steam cleaner. They are incredibly effective at removing stains and getting your carpets and seats thoroughly clean.If you have leather seats, use a small amount of olive oil to condition the leather. This will help keep the leather moisturized and protect it from fading or cracking in the sun.Keep interior car cleaning wipes in your glove compartment to help maintain a clean car year round.Use these tips to spring clean your car and get a fresh start this season.Giving your car a deep clean this spring can serve as a great reset for your and your car. It will also help you keep your car clean in the coming months. No one wants a car with old odors in the summer sun!Another great way to reset this spring is by refinancing your car loan with Auto Approve. Get your free, no strings attached quote from Auto Approve today and find out how much money you could be saving!CLICK HERE FOR YOUR FREE QUOTE

When is the right time to refinance a car loan? Well, one could argue that it’s never a bad time to consider a car loan refinance. Too many people assume that their auto loan is something they are locked into from the day they finance a vehicle until the end of the loan. But not so! Many people are overpaying on their auto loans, paying higher rates than they’re eligible for, or otherwise stuck with terms that may no longer make sense for their lives. That’s where car refinancing can come to the rescue.So, Is Now a Good Time to Refinance A Vehicle?In terms of timing, it’s always wise to check to make sure you’re not paying more than you need to be. Given that rates and auto values have fluctuated dramatically over the last decade, and that many dealerships mark up prices so you end up paying a higher rate than you were eligible for even at the time of purchase, there’s a good chance you can lower your monthly car payment. And if your life situation has changed, you similarly may be able to save money by refinancing to a better loan for you and your needs. To help you decide if this might apply to you, let’s take a look at some broad guidelines and FAQs for deciding when to refinance your vehicle.When Can I Refinance My Car Loan?Contrary to popular belief, you are not obligated to wait any amount of time before refinancing your car loan. You have to, instead, meet the requirements for the new loan to refinance it. Time is not part of those requirements – you can refinance immediately after buying the vehicle if you want and meet eligibility requirements. Just make sure that you are pursuing a better deal than the one you already have! (That said, in some states, you need your new registration before refinancing, which may slow down the process by 4 to 6 weeks.)If you’re unsure about your eligibility or whether or not the new loan would be better than your existing one, using Auto Approve can help.When Can Refinancing Benefit Me?Refinancing is basically paying off your old loan with a new one. A beneficial refinance could mean a lower interest rate, a lower monthly payment, or both. You may be eligible for a lower interest rate if:Rates have gone down since you financed your vehicleYour credit score has gone up, orYou didn’t get a good deal in the first placeMost auto loans are amortizing loans, which means you pay a fixed monthly payment with interest that is already built into that payment. Lower interest would mean a lower monthly payment, if the terms of the length of the loan stay the same. Some people instead choose to refinance to change the length of their loan, so they pay less monthly but over a longer period of time, or pay more monthly in order to have their loan paid off sooner. Refinancing also allows you to add or drop a co-borrower from the loan and can give you up to three month’s break in payments while the loans change over.When you use Auto Approve to refinance, an Auto Approve representative will help you understand your options and make sure you get the right deal for your unique situation – then do the paperwork for you.Get your free, no-commitment quote today to see how much you could save.How can I improve my credit score? This happens when you make on-time loan payments for multiple months – or years. About 10-12 months is enough time to see a change in your credit score, which you can use as leverage to negotiate a better loan rate. Learn more about credit scores and refinancing here.When Should I Try to Refinance My Car Loan?NOW! Now is always the best time, if you think it might be beneficial to you. The refinance process is simple, there is no risk for you to find out your available options, and in most cases, you will be very glad you elected to move forward. With the right refinance, you can start saving money immediately.In general, the two main reasons why people refinance their vehicles are to lower their monthly payment or lower their interest rate. So if you’re still thinking about timing, consider: whether paying less monthly or overall could help you outwhether your circumstances have changedwhether vehicle values or interest rates have changed The ability to borrow at a lower interest rate means you will pay less for your car after taking all of your borrowing costs into account. Since an interest rate is part of the monthly payment you agree to in the loan, it’s something that you should keep in mind as interest rates change over time. What Do I Need for Refinancing My Car?Generally, you are going to need to collect the following:Information about the current loan and lender, your account numberYour current total loan balanceVehicle information including the make, model, year, and VINRead more about the requirements to refinance a car.Refinancing Mistakes to AvoidHere are some of the most common pitfalls to avoid when refinancing an auto loan:Prepayment penalties do exist, which means you may have to pay extra if you pay off a loan before a term is up. Look up the details of your loan and inquire what this fee is going to be.Waiting too long to refinance. The longer you wait in the life of the loan, the less sense it makes to refinance. Lastly, don’t miss any payments. Even if you think that the refinancing process has paused your payments, triple-check before you halt payment for the previous loan. And that’s An Overview Of When To Refinance A CarSo, when should I try to refinance my car? Start now and discover if you’re eligible! We’re here to help. Hopefully this guide has answered all you burning questions. As always, do your due diligence and call up your lender with questions before you make any decisions. Hidden fees, contractual obligations, and the actual value of the car should all be factored into any refinancing agreements. But, if the stars align, then there is no reason why you should not allow yourself to benefit from auto refinancing. It’s never a bad time to check your options commitment free and discover how much you could lower your monthly payment or your interest rate.GET A QUOTE IN 60 SECONDS