HSBC-Auto Loans Review

A visitor to www.hsbc-autoloans.com can automatically tell that they are visiting a top notch business site.  HSBC is one of the world’s most well known and trusted financial institutions, and they have carried their professional approach to their internet auto financing site.

While the site is designed to be a one stop shop to help the visitor buy, sell, insure, and finance a vehicle, the centerpiece of this site is the online application process.  The application, which is secured by Verisign, can be completed through the net or the telephone via a toll free number 24 hours a day, 7 days a week.  Results are provided with in seconds.  Rates are as low as 4.05% for new vehicles, 4.69% for used and 4.99% for refinancing of currently owned vehicles.  There is no application fee or down payment required, nor is there a fee for prepayment.  Loans are available for a minimum of $5,000 up to $50,000.

While the primary function for HSBC is to obtain borrowers, the site also provides a wealth of information for borrowers.  Visitors can obtain free credit reports from experian, one of the three major credit reporting bureaus to see what their current credit history is.  They can also link to the Kelly Blue Book Site where they can receive information about new car pricing, including dealer quotes, invoice and MSRP pricing and the Kelly New Car Blue Book prices.  Data about J.D. Power Quality ratings, current incentives and rebate offers and new car comparison information is also available.  The used car section, which is also available in Spanish, provides bluebook pricing, trade-in, retail, and private sale pricing data.  Used Car listings are also available through this section.  Articles are also available with advice on buying new cars and buying and selling used cars.

There are several links to other resources that a consumer might typically need to access in the course of purchasing a vehicle.  These include AutoCheck and vehicle history report site which also offer buyback protection if their information is incorrect.  This site provides a vehicle history report that includes data on whether the vehicle was ever stolen, slavalged, in a fire, accident, or flood.  It also lets the buyer know if the vehicle has ever been used as a taxi or police car, or had the odometer rolled back.  Another link to warrantybynet.com, provides a source for obtaining quotes and purchasing an extended warranty.  A link to Autobytel,com provides vehicle pricing quotes in 24hours for no haggled buying and other car research information. Another link to HSBC Insurance Services offers protection plans to loan customers, along with access to a wide variety of insurance products and related services, including life, health, auto, homeowners and renters and roadside protection.

The HSBC site’s area of the most long term value includes its section on credit educational resources call “Your credit counts.”  This section has a wealth of articles and tools relating to budgeting, personal financial planning, insurance, spending management, as well as maintaining a good credit history.  This section is also available in Spanish.

Finally, there is a set of financial calculators on this site to help the visitor calculate car loans, home budgets, net worth and check book balances.

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