One should not use credit in place of money when there is little or no likelihood that payment in real money will be made-using credit without the intent or ability to pay is theft. ![]() Derived from the Latin word for "trustworthiness," credit is based on faith that the borrower will repay the debt with real money. However if you are looking to buy a new car, you really should take your time and look at a variety of different loans till you find exactly what you're looking for.While credit stimulates the economy, it does have to be used judiciously. With consideration of second hand dealerships APR rates, it's very uncommon for you to find a car loan lender who has better rates than a personal loan.
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