Financing your equipment
them. Ask how warranty work is reimbursed.
BEFORE YOU SIGN Get full disclosure before you sign a finance contract. Make sure the total price is clearly defined. Truth-in-lending laws do not apply to commercial loans, such as truck financing, so dealers do not have to give full disclosure, but most will if they are asked. In addition: • Don't sign anything you don't
understand. • Get a copy of everything you sign. • When trading, don't sign over the
title of your truck until you take delivery of the truck you're buying. • Don't sign a finance contract until
you have a ready source of revenue. Make sure you can put your truck to work within a few days of leaving the lot. • Don't automatically include insurance in the final contract. Shop around beforehand, and you might opt to buy it elsewhere.
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• Don't sign up automatically for
credit life or credit disability insurance, which covers your truck payments if you die or become disabled. You likely can
get the same type of policy on your own at a much lower rate. • Make sure all requested repairs are completed to your satisfaction.
www.overdrivedigital.com MAY 2012 OVERDRIVE 65
PRODUCTS & SERVICES
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