Physician loans or doctor loans are special loan programs that offer a number of benefits and advantages to doctors only. These programs are geared toward accommodating physicians who spend a considerable amount of money on automobiles, many who trade their cars yearly. Because of the fact that many professionals spend literally years paying off loans encumbered when in college; physician loans may be the only option for applying for guaranteed credit for financing their automobiles as well as their homes.
Doctor loans are available to medical doctors as well as ophthalmologists, podiatrists, dentists, and even special programs for residents as well.
Compared to generic loan programs, under the Physician loans, doctors are eligible for100% financing with zero down payment, option for adjustable rates, and low credit score requirement.
Many loans for physician are only available to doctors who are US citizens. Re-financing options are not available for all physician loans. Apart from the benefits mentioned above, many banks also offer doctors additional benefits such as; cashier checks, free checking accounts, free loan and debt management consultation etc.
If you are looking for specialty auto loans you may find the best deals online.
An internet search may lead you to Doctor Loan USA. They have stricter requirements and only offer loans to doctors who are US residents or citizens and have the letters DDS, MD, OD, DMD, DO and DPM after their name. They also require a minimum FICO score of 720 and don’t offer refinancing option on their physician loans. However, they have an excellent reputation.
Among other lenders offering loans, established institutions are Allied Home Mortgage, LoansForDoctorsHome.com, SunTrust, and MedLending.com. Each of these lenders have specialized physician loan packages of which one may fit your auto financing needs.
Of course, you don’t have to be a physician to be approved for guaranteed credit at Cross Keys Auto in St. Louis, stop in today and test drive a used or certified pre-owned car, truck, SUV, or Van.
Special Financing is Available for MD’s
Posted in Guaranteed CreditSmaller Engine in New Ford SUV Will Cost More?
Posted in Used Trucks
Ford is setting a brand new trend as it announces the new price structure for the new redesigned 2011 Explorer, asking consumers to do something rather out of the ordinary; pay more for an the engine option with less horsepower
Going against a long tradition of charging more for an engine with higher hp that the automotive industry has had since its inception, Ford is charging a premium for the 4-cylinder engine when the Explorer is launched at the end of this year. Contrary to most other trim levels offered, The Explorer’s 3.5 liter V-6 will be the standard option and the smaller 4-cylinder with 50 less horse power, will be the option.
According to Ford, the value of the smaller engine lies in its cutting edge technology that allows an SUV to realize fuel economy of a Toyota Camry at 19 mpg in the city and 26mpg on the highway so that SUV owners looking for a new roomy 4×4 that gets decent gas mileage can now have their cake and eat it too! In fact, according to a recent Bloomberg news article, the seven passenger 2011 model Ford Explorer gets 30% better fuel efficiency than last year’s model.
Critics are saying that Ford will be hard pressed to convince the public that there is more value in a smaller engine, particularly now that gas prices have gone down 34% from 2 years ago when some pumps were reading $4.11 per gallon according to Jim Hall, principal of automotive consulting firm in Birmingham, Michigan.
“The market will determine which really is the base engine,” Hall said. “If the market says, ‘Forget it,’ they may have to lower the cost of this engine.”
So the jury is out and Ford customers will make the final decision, it seems that Ford is taking a big gamble with the-now more crossover than truck design that “costs more when you get less.”
If you are in the market for used trucks or SUV’s, visit Cross Keys Auto in St. Louis, where you will still pay less for a smaller engine.
Ford F-Series Best Selling Truck
Posted in Used Trucks
Consumers looking to purchase used trucks should stop in at Cross Keys Auto in Hazelwood Mo. and test drive a used truck today. Not sure which type of truck you want? Well you will be very interested to know that the number one truck sold in America in 2010 is the Ford F-150.
The list of the top used trucks recently released. It is surprising to many, which trucks are actually the best sellers, but when you take the time to learn as much as possible it can make a difference in the degree of satisfaction you have after making your next truck purchase.
In fact, even if Ford sold no cars, no SUVs, no Rangers or crossovers; then take away every other brand and leave Ford with JUST the F-Series, just hypothetically speaking, do you think that Ford would still make a profit? The answer is YES, Ford wouldn’t be hurting too badly. With 49,858 sales in America just in the month of May 2010 alone, the Ford F-Series sold more than all of Hyundai, all of GMC, and more than the combined efforts of Volkswagen and Mercedes-Benz.
Even without the Ford Mustang, Fusion or Focus, the popular Ford F-Series would have positioned Ford as 6th on the list of America’s most popular auto brand in May. Domestic and Import competitors haven’t come anywhere close to the Ford F-150 and the other heavy duty F-Series trucks. Toyota Tundra did not even reach 9,000 in sales for the month of May, and Nissan’s Titan barely made it to 2,000 sales.
So if you want to know why the Ford is a bestseller, stop in at Cross Keys Auto and test drive a pre-owned F-Series today.
4×4 Trucks are Becoming More Popular
Posted in Used Truck Sales
The four wheel drive is the drive system in which the mechanical power is being transmitted from the drive shift to all of four wheels. This system makes the wheels hug the road with better traction as the balance of the vehicle is being improved dynamically. This four wheel drive system can be fitted in any truck; therefore, many different types of 4×4 trucks are available.
There are many of the advantages of selecting a 4×4 truck such as; wheel balancing, better engine efficiencies, equal transmission on all the wheels that enhance the performances of trucks. The benefits of handling on any type of terrain such as mountains, rivers, muddy areas and even on snowy roads, are irreplaceable, these trucks have a better track record overall. The safety factor is much higher in a 4×4 truck, even with heavy loads as trucks usually have very high standard safety features.
Many consumers these days select 4×4 trucks over other types of vehicles for their advantages, such as providing good safe transportation with the ability to pull a boat, RV, or even a utility trailer for work purposes. There are literally thousands of small businesses that would not be able to operate without heavy duty 4×4 trucks.
We are seeing a rise in the popularity of 4×4 trucks in the U.S. today for many uses from recreational to personal transportation vehicles. Trucks are built strong and usually have a history of very high reliability and safety ratings, with the 4×4 trucks rating highest for safety particularly for areas with inclement weather and treacherous roads.
If you are in the market for a great used or certified pre-owned 4×4 truck, see your local St. Louis Cross Keys Auto Used Truck Sales dealer today.
Selecting Between the Ford Ranger and F-150
Posted in Used Car Dealer, Used Truck Dealer
So you are considering a Ford Truck as a multi-use vehicle to drive to work every day and pull a boat or RV on the weekends when your family goes out on camping trips and outings? First visit your local St. Louis used truck dealer, Cross Keys Auto.
Choosing between used Ford trucks can be a difficult task because there are so many options available, if you are comparing the Ford Ranger with the F-150, here are some of the features and options to consider;
Ranger Regular Cab Short Bed
F350 standard V-8
•Heavy Duty Full Sized
•Tows about 15, 000lb (varies by year and options)
•2 and 4 wheel drive models available.
•Seats 3 to 6 depending on the Cab Type
◦Regular Cab – 3
◦Super Cab – 6
◦Crew Cab – 6
F250 standard V-8
•Full Sized 3/4 Ton
•Tows about 12, 000 lb (varies by year and options)
•2 and 4 wheel drive models available.
•Seats 3 to 6 depending on the Cab
◦Regular Cab – 3
◦Super Cab – 6
◦Crew Cab – 6
F150 standard V-8
•Full Sized
•Tows about 9, 000 lb (varies by year and options)
•2 and 4 wheel drive models available.
•Seats 3 to 6 depending on the Cab Type
◦Regular Cab – 3
◦Super Cab – 6
◦Crew Cab -
•Better gas mileage, but lower HP than the F350 and F250.
Ranger standard 4cyl.
•Lowest HP but best gas mileage of the four trucks
•Available in 2 and 4 wheel drive
•Auto or Manual transmission
•Seats 3-5 depending on model
•Tows about 3000 lb (varies by year and Model)
•Available in Short and long bed
•Super Cab option
•Standard with a 4cyl engine
◦3.0 liter V-6 option
◦4.0 liter V-6 option
The F-150, F-250 and F-350 comes with several optional engines. The available engines varied by the Cab Model.
•Regular Cab
◦4.2 liter V-6 Option
◦5.4 liter V-8 Option
◦460/7.5 liter V-8 Option
◦7.3 liter V-8 Turbo Diesel Option
•Super Cab
◦4.2 liter V-6 Option
◦5.4 liter V-8 Option
◦460/7.5 liter V-8 Option
◦7.3 liter V-8 Turbo Diesel Option
•Crew Cab
◦460/7.5 liter V-8 Option
◦7.3 liter V-8 Turbo Diesel Option
Truck Bed Liners
Posted in Used Truck Dealer
Now that you have purchased your new truck form Cross keys Auto used truck dealer in St. Louis, you probably want to keep your truck looking great! Installing a truck bed liner is a simple way to prevent scratches and corrosion in the truck’s bed. Skidding cargo is something you want to prevent and a truck bed liner will provide a solution.
Trucks are designed not only to be functional, but to look great these days. They are made with sleek styling and comfortable interiors. Letting the truck bed get scratched and dented by shifting loads can ruin the overall appearance of the truck. When you have invested a lot of money in your truck, it only makes sense to keep the bed as nice as the rest of the truck. You can polish and wax the exterior of the truck for a solid week, but if you let the truck bed get scratched up, the rest of the truck appearance is negatively affected.
Truck bed liners made with heavy duty polyethylene can protect the truck bed from damage due to shifting loads. The truck bed liners are designed with ridges that keep anything in the truck bed slightly raised so there is never a problem with standing water. The ridges are reinforced so they can handle heavy loads like equipment or construction tools. The surface of the liner is skid resistant to provide additional stability to truck loads.
The liners are easily installed. They are made to fit either under truck rails or to rest on the rails. The truck bed liners installed under the rails do not require any clips or screws. The liners installed over the rails need simple clips that fit over the rails and do no require any drilling. It doesn’t matter whether you snap in or clip on the liner. Either way you get the same protection and cargo support for your truck bed. The truck bed liners are installed in the bed and on the tailgate so you can easily load any cargo.
Truck Bed Liners for Your Used Truck
Posted in Used Truck Dealer
Now that you have purchased your new truck form Cross keys Auto used truck dealer in St. Louis, you probably want to keep your truck looking great! Installing truck bed liners is a simple way to prevent scratches and corrosion in the truck’s bed. Skidding cargo is something you want to prevent and a truck bed liner will provide a solution.
Trucks are designed not only to be functional, but to look great these days. They are made with sleek styling and comfortable interiors. Letting the truck bed get scratched and dented by shifting loads can ruin the overall appearance of the truck. When you have invested a lot of money in your truck, it only makes sense to keep the bed as nice as the rest of the truck. You can polish and wax the exterior of the truck for a solid week, but if you let the truck bed get beat up the rest of the truck appearance is negatively affected.
Truck bed liners made with heavy duty polyethylene can protect the truck bed from damage due to shifting loads. The truck bed liners are designed with ridges that keep anything in the truck bed slightly raised so there is never a problem with standing water. The ridges are reinforced so they can handle heavy loads like equipment or construction tools. The surface of the liner is skid resistant to provide additional stability to truck bed loads.
The liners are easily installed. They are made to fit either under truck rails or to rest on the rails. The truck bed liners installed under the rails do not require any clips or screws. The liners installed over the rails need simple clips that fit over the rails and do no require any drilling. It doesn’t matter whether you snap in or clip on the liner. Either way you get the same protection for your truck bed and the identical cargo support. The truck bed liners are installed in the bed and on the tailgate so you can load your cargo without worry.
The FJ Cruiser
Posted in Used Truck Sales
If you are looking for a great affordable used SUV, the Toyota FJ Cruiser is a great option, to test drive an FJ Cruiser, see your local Cross Keys Auto used truck sales department in St. Louis. Some of the unique features of this vehicle are;
The affordable price starting at $23,680. It comes with a 4.0 liter V-6 engine, a 6-speed manual or 5-speed automatic transmission, and in either 2wd or 4wd. The 2wd FJ Cruiser comes with only the automatic transmission. Fuel economy speaking, the FJ is rated at 17/22 mpg.
Some of the many interesting standard features available for the Exterior are; Black bumpers with metallic silver trim, 17 inch black steel rims, Silver painted mirrors, Spare tire cover, and Rear-hatch glass window with release lever
Special interior features include; Instrument panel trim matched to exterior color, Analog instruments with backlit white surface area, Flat dash panels with silver trim, and 6 speaker AM/FM/MP3 CD Player (Upgradeable to 6-disk CD changer with 8 external speakers)
Safety Features include; Dual stage front airbags, driver and passenger front seat-mounted side airbags, and front and second-row roll sensing side curtain airbags, Side impact door beams, Daytime running lights, Rear intuitive parking assist and Tire pressure monitoring system.
The 4.0 liter V-6 engine puts out 260 horsepower at 5600 rpm. The FJ cruiser comes with power-assisted variable gear rack-and-pinion steering. It also has traction control and a vehicle stability control feature. The rear suspension is 4 link with lateral rod and coil springs and stabilizer bar. In the front you will find high-mounted double-wishbone suspension with stabilizer bar.
Getting Approved for an Online Auto Loan
Posted in Auto Loan
If you are planning to purchase a used car or truck in the near future, visit your local Cross Keys Auto Dealer in St. Louis, and you may want to investigate the possibility of getting your auto loan online. Generally the online lenders offer interest rates 1-2 per cent lower than that offered by the auto dealers. That money saved can be used to qualify to make sure you get all the bells and whistles on your new car.
Filling out an online auto loan forms requires your basic banking details, your job status, and residence proof. Online applications are usually processed immediately by lenders in the network near your geographic location. Approvals may take less than an hour and there are usually no application fees.
If you have a clean credit status and a co-signer, then consider your loan semi-approved! The good thing about auto loans is that you can get one even if you have a less than perfect credit history. Most auto loan lenders offer bad credit auto loans. However, some lenders may charge you higher interest rates and a larger down payment because of your bad credit status. Some lenders also restrict the choice of cars models if you have a bad credit status.
The main criteria for selecting the auto loan should be the rate of interest and the loan period. The loan period for an auto loan is usually three to five years. You can ask for a longer period on your auto loan, up to seven years for new car loans, but it is usually better to repay the loan within a shorter period, costing you less in interest. Be sure to find out from the lender if they allow faster repayment of auto loans without penalty charges.
Special Loans for MD’s
Doctor loans are available to medical doctors as well as ophthalmologists, podiatrists, dentists, and even special programs for residents as well.
Compared to generic loan programs, under the Physician loans, doctors are eligible for100% financing with zero down payment, option for adjustable rates, and low credit score requirement.
Many loans for physician are only available to doctors who are US citizens. Re-financing options are not available for all physician loans. Apart from the benefits mentioned above, many banks also offer doctors additional benefits such as; cashier checks, free checking accounts, free loan and debt management consultation etc.
If you are looking for specialty auto loans you may find the best deals online.
An internet search may lead you to Doctor Loan USA. They have stricter requirements and only offer loans to doctors who are US residents or citizens and have the letters DDS, MD, OD, DMD, DO and DPM after their name. They also require a minimum FICO score of 720 and don’t offer refinancing option on their physician loans. However, they have an excellent reputation.
Among other lenders offering loans, established institutions are Allied Home Mortgage, LoansForDoctorsHome.com, SunTrust, and MedLending.com. Each of these lenders have specialized physician loan packages of which one may fit your auto financing needs.
Of course, you don’t have to be a physician to be approved for guaranteed credit at Cross Keys Auto in St. Louis, stop in today and test drive a used or certified pre-owned car, truck, SUV, or Van.