BP Visa Rewards Card

Earn up to 10% in rebates
Earn up to 5% in rebates
0% APR for up to 6 months
No annual fee
Online Account Management
Zero Liability against unauthorized purchases

Earn up to 10% in rebates
Earn up to 5% in rebates
0% APR for up to 6 months
No annual fee
Online Account Management
Zero Liability against unauthorized purchases
!
EARN up to 10% in rebates. Introducing the new

BP VISA Rewards card

Earn up to 10% in rebates

• 10% rebates on all participating BP location purchases1
  
• 4% rebates on all eligible travel and dining purchases1
  
• 2% rebates on all other eligible purchases1
  

• 5% rebates on all participating BP location purchases2
  
• 2% rebates on all eligible travel and dining purchases2
  
• 1% rebates on all other eligible purchases2
  

• There's no limit to the amount of rebates you can earn!
  
• Every time you accumulate at least $25 in rebates, you decide how and when to redeem your reward. Redeem for your choice of:
  
• A BP Gift Card
  
• A check made payable to you
  
• A donation to The Conservation Fund
  

• 0% APR for up to 6 months3
  
• No annual fee
  
• Online Account Management
  
• Zero Liability against unauthorized purchases4
  

DID YOU KNOW?

	Sub prime lenders offer second mortgages to people with bad credit. Charging slightly higher rates for the higher risk level, sub prime companies help you access your home's equity. With so many lenders online, vying for your business, you can find better rates by shopping around. Even with poor credit, rates can be as little as .5% higher than traditional equity loans. Higher Rates For Higher Risk Sub prime lenders by definition deal almost exclusively with people who have scores 649 or less. They can even provide financing the day after your bankruptcy. For this increased credit risk, they charge rates anywhere from 5% to 12%. Unscrupulous lenders will charge even higher rates or expensive fees. To find what is reasonable, start requesting rate quotes. Not only will you get an idea of market rates, but you can sift through the scammers too. When you request a quote, be specific with your credit standing. You can always request your credit score from a credit monitoring service or reporting agency. Competitive Lenders Vie For Your Business The internet has made the financing sector more competitive. With consumers clicking their way through financing offers, lenders can only stay in business by offering low rates and fees. A smart shopper will find these offers online. Without having your credit score dinged by credit inquires, you can ask for general quotes online. By giving general information about your income, home's value, and general credit, you can get a good idea about rates. Some sub prime lenders will also offer lower fees or rates by processing your application online. Financing companies save costs by working online, savings they can pass onto you. Smarter Shoppers Get Better Rates To make your rate search easier, start with a mortgage broker site. By submitting your information once, you will receive multiple offers. If you find some promising offers, you can follow-up. If you have time, research individual lender sites. They too can offer great deals. Before signing any contract, make sure you understand all the fees and rates involved. An initial low rate can be an expensive loan if closing costs are high. Use the APR to find the truly best deals. Also factor how long you plan to keep the loan. Lower fees and higher rates may be a better deal for those who plan to sell or refinance in a couple of years.

Before you begin the task of shopping for a new or used automobile, it might help to secure your financing in advance. Getting pre-qualified for an automobile loan is a great way to speed up the process of buying a new car. Here are a few tips to help you get the best financing for your new car.

Auto Loan Pre-qualification Information

Getting pre-qualified for an auto loan is simple. Ordinary, car buyers secure auto financing after they have selected a vehicle. In this case, the dealership will submit a loan application through a partnered finance company. The company will either reject or grant the loan. Most auto loans are approved. This is because the funds are protected by the vehicle. However, dealerships and finance companies may charge higher rates for bad credit applicants. Thus, it is important to secure your own financing.

Pre-qualified auto loans are also advantageous because loan amounts are generally based on your income and other expenses. Thus, you are aware of a sale price that fits comfortably into your budget. Once you have your pre-qualified loan amount, you can begin shopping for a car.

Getting Pre-qualified for Auto Loan

There are several ways to get pre-qualified for an auto loan. If you have good credit, your loan options are numerous. To begin, contact your current bank or credit union. These lenders generally offer better rates than finance companies. If you have financed a previous automobile, requests loan information from the lender.

Individuals with a negative credit rating will need to obtain pre-qualifications from sub prime lenders. The easiest method for locating a sub prime lender is online or through an auto loan broker. Getting pre-qualified for an auto loan is similar to completing an application for financing. However, pre-qualification are based on stated information. The lenders will not official check your credit until you accept the pre-qualification offer.

After you accept a pre-qualification offer, the lender will send you a letter. This letter does not guarantee a loan. Individuals pre-qualified for a loan must submit an official application. Upon reviewing your credit report and proof of income, lenders have the right to retract the offer. This occurs if you provided false information, or your financial situation changes.