If you have a poor credit rating, you should not despair because even though you think it is impossible for you to get a loan; it is not. You see, there have been many changes over the years in the lending industry; most notably is the recent advances in the internet. These changes, coupled with ever increasing competition between banks and lender to get you money, have led to the ability for someone with bad credit to obtain a loan to purchase a home.

Of course one of the downsides is that these loans also usually feature a much higher interest rate, as a person with bad credit history is considered to be a higher risk. This does not mean that you will not be able to get a fairly descent interest rate, it just means that those occasions are rare - there are just not that many low interest bad credit loans available.

Keep in mind that a home loan is a secured one in which the home itself was pledged as collateral for the loan and in the event that you fail to pay, the home can be repossessed, sold and the loan paid off.

The truth of the matter is though that many people today have bad credit and if the lenders and banks were only to give loans to those with good credit ratings then they would never make any money. Knowing that there are loans out there that are available to you sure takes a bit of weight off your shoulders doesn’t it?

While banks offer these types of bad credit loans, their representatives are less likely to help you through the entire process as they will be getting paid regardless. For this reason, and in order to find the best interest rate possible, you should visit a broker who is only paid when you get the loan. This is a good thing because that broker will work really hard for your business, and will even attempt to find you the lowest interest rates.

When it is all said and done, getting a loan, even with bad credit, can be a good thing. Granted the interest rates may be high and along with them the monthly payments, but in the event that you pay on time every month for a couple of years, you can always refinance the loan and get a much better interest rate at some stage in the future.

Much like anything else in this world, you cannot just sit back and hope that a loan will be given to you; you have to make every attempt you can to work for that loan. This may include a lot of hassle and red tape, not to mention the fact that there will be calls to your employer verifying income and the like. All in all, the effort will be well worth it in the end when you are finally able to walk through the front door of your very own home.

OneCommand, (www.onecommand.com) the nation’s leader in preference-based, automated, multi-channel marketing for the automotive industry, today announced that BarNone, the nation’s leader in specialty finance and consumer services, has chosen OneCommand to help increase its Internet lead response rate. By augmeting its online lead generation and BDC operations with OneCommand’s Voice Messaging solution, which is designed to provide timely, relevant and professional communication from a voice of authority at key points in the consumer’s life cycle, BarNone has seen an 8% increase in appointment rates.

ANews Imageccording to Dan Staub, BarNone Chief Operating Officer, BarNone has been very successful using OneCommand’s technology to rapidly reach Internet customers. “OneCommand has been a wonderful partner to work with. We buy Internet leads that are complete credit applications and try to reach numbers once from our call center and then if that first attempt is unsuccessful we switch to OneCommand. A voice message is then left for the customer to call us back. This has significantly reduced our costs and increased the contact rate with these customers. The problem is we need to talk to these potential customers in order to schedule appointments. They respond well to our OneCommand voice messages and contact us back on our 800 number. OneCommand has basically built a better mousetrap with good technology and a good concept - it’s a great idea.”

BarNone was founded in 1995 for the purpose of helping the millions of working people who, because of credit discrepancies, are not able to obtain auto loans to purchase a quality vehicle in a “conventional” manner. Headquartered in Columbia, MD the company maintains a 24-hour call center in the Southwest. Its founding philosophy is to link consumers, dealers and finance sources into one cohesive unit, to facilitate communication and minimize buyer frustration. It has employed OneCommand to help further facilitate communication with these consumers.

“BarNone is a leader in the special finance space and we are very excited to help reduce their costs and increase the effectiveness of their call center. Call centers can be a challenge as 60-70% of the time the consumer cannot be reached, necessitating several calls. It gets very expensive to make these repeat calls when the costs of the call, pay, benefits, etc., for call center personnel are factored in. OneCommand can get those costs down to a fraction of the cost and reaches 85-90% of target consumers with an average of just 1.2 phone calls,” commented Al Babbington, OneCommand CEO.

OneCommand will release the latest version of its powerful technology platform, OneConnect, in the summer of 2008. OneConnect version 3.5 will arm clients with an enhanced suite of simple and easy-to-use customer communication tools, enabling the design and execution of targeted and effective multi-channel marketing campaigns within seconds.

About OneCommand (www.onecommand.com)
OneCommand is a leading provider of integrated and automated, personalized communications designed to streamline work-flow, reduce marketing expense and generate superior customer response. Focusing on the delivery of the right message, at the right time, and through the right channel, OneCommand has rapidly expanded its market penetration by helping its clients realize significant improvements in loyalty and retention, frequency of visit and overall profitability.
In 2007 the Company delivered over 100 million personalized communications on behalf of over 4,000 clients throughout North America.

OneCommand’s proven, web-based Relationship Marketing Solutions enable customers to leverage the power of their voice through a multitude of channels, including voice messaging, mobile messaging, e-mail marketing, live call center services, direct mail and a variety of two-way communication streams.

By providing a seamless solution for communication from shop to buy to service and repurchase, OneCommand offers the opportunity to coordinate a unified message to customers. This approach, paired with custom automation of timely, relevant and consistent communications, has led to significant reductions in marketing expense and even greater improvements in the customer experience. For more information call 1.800.814.6820, email lleugers @ OneCommand.com or visit www.OneCommand.com.

Valor Group have helped hundreds of thousands of customers get the car loan they deserve. Let our experienced lending network do the work for you.

Valor Group Network of lenders specializes in financing Car Loans for Good or Bad Credit,  and even past Bankruptcies.

Just apply, submit, and within 24 hours one of our car loan lenders will contact you with your personalized car loan quote.

Even if you have experienced a bit of trouble in your credit past, Any Credit Auto Loan has auto loan providers for all credit profiles. Best of all, there is ABSOLUTELY NO OBLIGATION. Car Loan Process:

Easy 1,2 and 3 steps

1.Submit your auto loan request on our secure site.

EASY!

2.The our lender will contact you directly with your personalized car loan quote, and they will walk you through the entire car-buying process.

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3. Relax! And drive off in your new or used car feeling confident you got a great deal.

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Car finance specialist Creditplus have launched independent video customer testimonials of their car finance customers as the popularity of social media accelerates across the internet.

Stats for online video sites on the internet confirm the dominance of YouTube, which grew its traffic by 66% in 2007, reaching £56.4m. By using online video to demonstrate the Creditplus car finance service, web surfers are able to watch true life customers discussing their experience with Creditplus, and can access real life feelings.

With 1 in 4 adults in the UK now having impaired credit issues (defaults, arrears or CCJs) recorded against them, more people are looking for a sympathetic lender to provide guaranteed car finance to assist them in buying their next vehicle. Creditplus, who operate solely online, have been looking for new ways to communicate their car finance service and found this to be the perfect solution.

Shaun Armstrong, Managing Director for Creditplus comments: ‘We wanted to provide our customers with a realistic example of what to expect. Online videoing captures a realistic and independent perspective of our customers better than any other medium.’

Notes to Editors:

Creditplus is a UK leading car finance specialist with over 25 years experience in sourcing guaranteed car finance and cars for consumers with any credit status.

The Creditplus unique offering is a free and flexible service for consumers wishing to purchase a vehicle, from sourcing car loans, to finding cars, negotiating a price on the consumer’s behalf and delivering it straight to their door.

Their website offers an instant lending decision, with over 60,000 cars and vans in stock, and is fully regulated by the Financial Services Authority.

Creditplus also operate a B2B division called Dealerplus, offering software and trading solutions to dealers throughout the UK.

Creditplus won the Bowshot eDen award 2008, of best eCommerce trade site in Dorset and Hampshire for high achieving entrepreneurs.

www.creditplus.co.uk

AutoMart.com announces their new online partnership with myAutoloan.com, an online auto loan provider. AutoMart.com has launched a new car Auto Finance Center Powered by myAutoloan.com. AutoMart.com customers can apply for a new car loan online and receive multiple loan offers. All loan offers are presented to customers online in real time. Customers simply select the loan offer that makes the most sense to them; they then receive a blank check in the mail. The new service, Auto Finance Center Powered By myAutoloan.com, allows their customers with the ability to obtain financing prior to walking into the dealership to purchase their new car. The online Auto Finance Center application and loan offer process is easy, fast and secure, while simplifying the auto financing process.

“We are thrilled to have AutoMart.com join the Powered by Auto Finance Center marketplace lending platform,” said Greg Thibodeau, CEO of myAutoloan.com. “This partnership offers their customers real value, with real lenders providing real loans, real-time online.”

“Our goal is to help our customers in the auto buying process and this is just one more way that we can assist new car buyers,” said Stephanie Esquivel, National Sales Manager at AutoMart.com. “This service is free to applicants and provides real loan offers online in real time, within the AutoMart.com web site and brand, our customers will be delighted.

About AutoMart.com

AutoMart.com(TM) is the Internet’s largest automotive website featuring new, used and certified pre-owned car listings exclusively from automobile dealers. With a database of over one million cars for sale, AutoMart.com showcases listings provided by Auto Mart® Magazine, Harmon Autos, Auto Deals, Truck Mart, Auto Mercado and Diablo Dealer. AutoMart.com is owned and operated by United Advertising Media, a division of Cox Enterprises, Inc.

About myAutoloan.com

Located in Irving Texas, myAutoloan.com is a subsidiary of Horizon Digital Finance, L.L.C., and a nationally-licensed direct-to-customer Internet-based auto financing marketplace utilizing Preferred Placement® technology and Preferred Dealer® auto lead processes. myAutoloan.com is quickly becoming a recognized leader of the online auto-buying life cycle process by providing innovative technology-driven solutions through Powered By; Auto Finance Center and licensing opportunities. Horizon Digital Finance and myAutoloan.com are quickly becoming recognized leaders of the online direct-to-customer online lifestyle financing process by providing innovative technology-driven solutions through “Powered By” and licensing opportunities