If you are planning to drive a car while you are living in the USA, you will need to have car insurance. If you are simply renting a car from an established car rental company, you can get insurance coverage as part of your rental contract. But if you are planning to buy a car in the USA, you will need to have your own insurance coverage for driving on American roads. Let’s go through the basics of why you need car insurance, what the various elements of a car insurance policy are, and how to get car insurance coverage.

Why do you need car insurance?

There are several good reasons why you need to have car insurance in the USA:

  • It is required by law
  • It proves that you are financially responsible in case of an accident
  • It covers most or all of the costs from accident-related vehicle damage, property damage, and injuries to you and others who may be involved

Most car insurance policies will charge you an annual premium for coverage, which is usually broken down into affordable monthly payments.

What are the various elements of a car insurance policy?

Within the average car insurance policy are several different types of insurance coverage. Some of them are required, and some are optional – check your state’s regulations as to exactly what you will need:

Generally required types of car insurance coverage

Liability: This will cover you in cases where an accident is determined to be your fault. It takes care of the other party’s medical expenses related to bodily injuries, as well as property damage caused by your accident. If you are sued as a result of the accident, your liability coverage will pay for your legal costs, as well as any financial settlement or judgment that the court hands down. If you have a large amount of assets to protect, you should get higher levels of this type of coverage.

Personal Injury: This takes care of your medical costs following an accident, no matter who caused the accident. Some, but not all, states require this. It is also a good idea to have this coverage if you do not have any other health insurance.

Uninsured or Underinsured Motorist: Even though it is illegal to drive without car insurance, some people still do it. This coverage will pay for your accident repairs and medical costs if the other driver in not insured and is at fault.

Generally non-required types of car insurance coverage

Collision: This pays for repairs to your car if you are in an accident, whether it is your fault or not. While collision coverage is not legally mandated, your auto lender will likely require you to have it. This is to protect the lender’s investment, during the term of your loan payments. While collision coverage is a very good idea for newer, higher-value vehicles, you may consider dropping it if your car is old and does not have much value left in it.

Comprehensive: This covers you for damage that is not accident-related, like extreme weather (hail and high winds), falling objects, flooding, fire, vandalism, and theft.

Nerdwallet has a good comprehensive overview of insurance requirements by state. Check it out to confirm that what you need before you being shopping.

How do you get car insurance?

Today, you have many choices when it’s time to get your car insurance policy:

Online insurance companies: You have probably seen their ads online, on TV, over the radio, and everywhere else. These are companies like Geico, eSurance, and Progressive. You can simply go to each company’s website and get a price on a policy.

Local insurance company agents: Every local community has lots of people who represent a specific insurance company, and sell that company’s products, including car insurance. You can find them using a search engine, and then call them for pricing on a car insurance policy.

Independent insurance agents: These are people who represent several different insurance companies, and can write you an auto insurance policy from the one that gives you the best deal. You can search them out online, then contact them by phone.

The ideal way to get the best car insurance value is to shop around and compare prices from as many sources as you can.

What documents do you need to get car insurance?

The requirements for getting car insurance, if you are from another country, will vary from state to state. Check your state’s Department of Motor Vehicles website for the specific requirements in your local area. These will spell out whether your home country’s driver’s license is enough, or whether you need to get an International Driving Permit or a state driver’s license. You will also need to have the registration documents for your vehicle, a local mailing address and phone number, and an email address.

Some insurance companies may require you to get a state driver’s license. They will also want to check your driving record in your home country. If this is not possible, your rates may be higher due to their not knowing your driving history.

Find your state’s DMV here: https://dmvnv.com/50_state_dmv_list.html

What about the new pay-per-mile car insurance?

You may have heard about a new, less-expensive type of car insurance. It charges you by the mile, using an electronic gadget that plugs into your car’s diagnostic port. It also monitors your driving behavior, every time you drive. Some people who do not drive their cars much have found this system to be of value, but others have reported that the initially low rates have been quickly raised over a short period of time for no good reason, and that the claim service is extremely poor. Be sure to read reviews of any service you’re considering buying. The seemingly low rates may not be worth it

A car is a major purchase, possibly the largest one you have ever made. As you approach this process, it is important to know what to do and how to do it. Being an informed consumer will help you to get the best possible car at the best possible price. Here is our checklist, intended to help car buyers who are new to the US. It will help to guide you through the process of getting a car that is right for you.

First: Are you buying a new or a used car?

This is usually the first decision you will need to make. The answer to this question depends on your income and your credit. If you have a higher income and good credit, you may be able to buy a new car. But if you are on a tight budget, or your credit is not ideal, a used car may be the right choice for you. Once you have made the new vs. used decision, the buying path splits. Let’s start with buying a new car.

Buying a new car: all new cars are alike

If you are shopping for a new car, keep in mind that new cars of a given make and model are all identical, no matter which new-car dealer you choose to shop at. They are fresh off the assembly line, and have had no previous owners. This means that you can focus on getting the best deal from the best dealer, and wherever that is, you will be getting the exact same car.

Here are some new-car buying tips that will guide you through the process:

  • Decide which type of car is right for you: Car, truck, or SUV? Small, medium or large? Mass market brand or luxury?
  • Do your research online: Read the reviews, comparison tests, and reliability ratings.
  • Pick a few finalists: Two or three choices are enough, and don’t get hooked on a specific vehicle yet.
  • Test drive your finalists at local dealers: Take a through test drive on all the types of roads you will normally drive on. The car should be comfortable, easy to operate, and have enough power and features for your needs. Do not discuss prices or purchasing at this point.
  • Decide which vehicle or two you prefer: Your test drive should help you narrow your selection down to one or two.
  • Configure your chosen vehicle(s) and find current incentives: Use the manufacturer’s website to choose the trim level and options you want. This will tell you the MSRP, or retail sticker price of the vehicle(s). The site will also give you information on current cash offers and other incentives.
  • Check the local market pricing: Car shopping sites like Kelley Blue Book, True Car, or Edmunds can tell you what other buyers have paid for the car(s) you are shopping for.
  • Locate the car you want: Check the manufacturer’s and local dealers’ websites for vehicles in their inventories that match what you want.
  • Check your credit, figure out the right payment, and get preapproved: Checking your credit score will give you a good idea of the interest rate you will get on your car loan. The better your credit, the lower your rate. Next, use a loan calculator to figure out the right loan term and payment for your budget. Then you can apply for a loan and get preapproved, before you enter the dealership. Even if you’re a new U.S. resident without credit, Lendbuzz can help you here – contact us!
  • Negotiate the price of the car at several dealerships: Using the local market prices you have found, visit a few dealers that sell the brand(s) you are shopping for. If you don’t want to take the time to do this, you can do it by email or through the dealer’s website. Tell them that you are shopping for the best price on the exact car that you want. Also ask them for the interest rate that they would offer you for financing your purchase, and compare it to the rate you have been preapproved for. Continue negotiating until the car prices and the interest rates don’t get any lower.
  • Take the best deal and close it: Select the best combination of car price and financing rate, visit the dealer, do the paperwork, and drive away. Remember to bring your driver’s license, proof of insurance, any funds needed for a down payment, and your preapproved loan information, if relevant.
  • Drive away happy!

Buying a used car: no two used cars are alike

Once you enter the world of used cars, you will quickly realize that each one is unique and different from all of the others. They have been driven varying numbers of miles, they have had one or several owners, and they may have led lives that were pampered or abused, as well as everything in between. The key to buying a good used car is to find the one that has been treated the best, driven the least, and fits within your budget.

Here are some used-car buying tips to help you navigate this unfamiliar landscape:

  • Decide on the type of car you need: Small, medium or large-sized? A car, an SUV, or a pickup truck? A luxury brand or something from the mass market?
  • Research thoroughly online: Check out reviews, driving impressions, and especially reliability ratings and maintenance/repair costs.
  • Narrow it down, but not too much: Remember, the condition, mileage, and previous care of a used car count for a lot. Keep your options open.
  • Check the market pricing: Car shopping sites like Kelley Blue Book, True Car, or Edmunds can tell you what other buyers have paid for the used car(s) you are looking at.
  • Look up your credit score, figure out the right payment, and get preapproved: Checking your credit score will give you a good idea of the interest rate you will get on your car loan. The better your credit, the lower your rate. Next, use a loan calculator to figure out the right loan term and payment for your budget. Then you can apply for a loan and get preapproved, before you enter the dealership. Lendbuzz can help you here – contact us!
  • Thoroughly inspect and test drive each prospective used car: Check the condition of the interior, exterior, the under-hood area, and the tires. Take an exhaustive test drive on lots of different types of roads, including rough and bumpy ones, as well as highways. The car should feel solid, accelerate smoothly, corner confidently, stop quickly, and not make any disturbing noises. It should also not have any bad smells, severe rust, or other obvious problems. All of the basic systems and electrical/electronic accessories should work properly.
  • When you have narrowed it down, have the car inspected by an independent mechanic: This will cost a few bucks (somewhere around $100), but it is an excellent investment. A thorough inspection by an independent third party will give you the real lowdown on whether this used car is worthy, or if it is about to become a money pit that you should steer clear of. If that’s the case, walk away and keep looking.
  • Negotiate the price of the used car: Use the local market used-car prices you have found, along with any problems that the car may have, to negotiate a better price with the seller. You may ask the seller to make any necessary repairs as part of the deal. Otherwise, deduct the cost of the repairs (your inspection mechanic should give you this information) from the negotiated price. If you are buying the used car from a dealer, ask about a warranty. Also ask them for the interest rate that they would offer you for financing your purchase. Compare this to the rate you have been preapproved for.
  • Close the deal: Using the lowest financing rate, do the paperwork. You will need to bring your proof of insurance, driver’s license, down payment, and preapproved loan documents.
  • Drive away happy!

The United States of America celebrates the Memorial Day holiday each year during the last Monday in the month of May. Memorial Day honors and remembers all who have died while serving in the armed forces of the United States. Over the years, Memorial Day weekend has also become a major retail sales event, with many businesses of all kinds holding special sales.

Auto dealerships typically have major sales leading up to and during Memorial Day, with large discounts and special offers. Even better for you, Memorial Day falls on the end of the month, when car dealers must make their sales quotas to qualify for month-end bonuses from the carmakers. So it’s a great time to buy a car!

As an international living in the US, you may not have celebrated Memorial Day before. You may not even be aware of the many car sales and discounts being offered across the country at this time. Another great thing about these Memorial Day promotions is that they usually run until the end of May. So you have time to apply and get approved for your car loan.

Lendbuzz has you covered! Here are 6 of the best Memorial Day car sale deals in the United States, from a variety of the major US markets:

Boston, Massachusetts

Up to $3,500 Cash Back on 2019 Kia Sportage

Los Angeles, California

2.9% APR on 2019 Honda Fit

Orlando, Florida

$2,500 Customer Cash on 2018 Mazda3 4-Door

Miami, Florida

$2,000 Cash Back on 2019 Nissan Altima

Newark, New Jersey

0% APR on 2019 Subaru Outback

Houston, Texas

Up to $4,750 Retail Bonus Cash OR 0% APR Plus $2,000 on 2018 Hyundai Sonata

There are some great deals out there! Get pre-approved now and grab one!

Now that you have seen some of the great discounts you can get on cars thanks to these Memorial Day sales, you can think about your financing options. Need some help deciding which car is best for you? Would you like to know the steps necessary for buying a car in the US? Check out our International’s Guide to Buying a Car.

As an international student or professional, you may think that purchasing a car in the United States will be difficult. It doesn’t have to be! Besides getting a great deal during Memorial Day Weekend car sales, you can get great rates on your car loan any time of the year. With Lendbuzz, you can apply for a car loan online and get pre-approved in minutes. We specialize in helping expats who are on visas, or may not have a Social Security Number.

Apply for your car loan at Lendbuzz and you’ll be closer to getting the car you need. No SSN, credit history or co-signer is needed.
Most of these offers are available until May 31st, 2019. Check with your local dealerships to confirm dates, limitations, and the accuracy of all the offers listed above. Happy car shopping!

is it possible can i buy car with international drivers license in the us united states

Is it possible to buy a car with an international driver’s license in the U.S.?

You may be an international student, expat or professional who has recently moved to the U.S. or is thinking about moving to the U.S. As such, you’re deciding on whether or not to buy a car to get to work or school. We have helped many foreigners buy a car in the United States. One of our most frequently asked questions is: Is it possible to buy a car with an international driver’s license in the U.S.? Can I register a car with an international driver’s license? We can answer that question for you!


Here’s the short answer: you don’t need a license to buy the car, but you need a license to drive it.

Can I buy a car with an international driver’s license?

Technically, you can get a car in the United States with an international driver’s license. Additionally, at this point and time, it is not legally required for dealerships to ask for your Social Security Number in order to sell you a car. Many of them choose to do it because they want to check your credit history. Or because they want to be selective about the people they sell cars to.

The most important thing is that your international driver’s license has to be valid, it cannot be expired. Lenders who specialize in providing car loans for internationals in the U.S., such as Lendbuzz, require a driver’s license for identity verification purposes. In order to secure your car loan, you are able to provide your international driver’s license. (Remember that it can’t be expired.)

What about registering the vehicle? Can I register the car with my international license?

Well, every state has different laws and legislation. So, it’s important for you to research the details regarding the state you will be moving to. However, there are definitely states where you can register a vehicle if you have an international driver’s license. In New Jersey, for example, you need to provide a form of identification to register a vehicle to your name. And that can be your passport.

Can I drive the car with an international driver’s license?

While the answer varies from state to state, you will normally need to obtain a state driver’s license if you want to drive legally as a resident. Additionally, some states require that expats possess both an International Driver’s Permit and a valid license from their home country. If you don’t have both, then you may need to apply for a US driver’s license.

Detailed information about driving as an international in the United States can be found on the US government’s website.

You can also read our previous post to learn how you can get a U.S. driver’s license as an international.

Finally, can I get car insurance with an international driver’s license?

Most car insurance providers require a U.S. driver’s license. So, you’ll definitely want to get a U.S. driver’s license in order to get insurance. And car insurance is mandatory in most states. We previously wrote a thorough guide on how to get car insurance in the U.S. as an international. Be sure to read that before finishing your research and car purchasing process.

is it possible can i buy car with international drivers license in the united states

What’s the verdict?

While it is possible for you to buy a car with an international driver’s license, and it’s definitely possible to get a car loan without a U.S. license, we recommend starting the process of getting a U.S. driver’s license. You will need it eventually to get insurance and to legally drive the car in most states.

A good idea would be to start the process of getting a U.S. driver’s license as you are researching which car to get. Or even before that. That will make the process quicker and easier for you. Depending on your country of origin, you may be able to just transfer your international driver’s license and get a U.S. license without taking a driving test.

We hope this cleared up your questions and has helped you in the process of getting a car in the United States.

We know that moving to the U.S. can be hard, but buying a car doesn’t have to be. Applying for a loan with us is quick and easy, and we’re here to help you. Click here to start an application and quickly get your rates.

summer roadtrip road trip ideas for international students us united states usa american

Need summer vacation ideas in the US? How about a road trip? Here are some of the best road trip ideas in the US for international students. (Or for anyone!)

Road trips are a great way to spend your summer vacation. As an expat or international student, you may not be able to travel overseas right now. Not to worry! You can still enjoy your summer vacation. It’s a good idea to get to know the country you’ll be living in for the next few years. Plus, there are many places to visit and fun things to do in the United States.

Domestic US  flights are an option for some. But if you were not able to book your flight ahead of time, ticket prices may have gone way up. A road trip can be cheaper and definitely more fun. You can stop by many cities or states on your way to your final destination. This will give you a chance to familiarize yourself with American culture quicker.

The United States offers a number of exciting road trip destinations for any international student looking to have an epic American adventure. If you’re interested in a summer vacation road trip, check out the routes below. We’ll provide 5 road trip ideas for international students in the US.

Depending on your location, you can pick any of these USA routes as you set out on a fun-filled road trip:

New York Boston Roadtrip summer ideas routes students expat

1. New York to Boston

East Coast
215+ miles
A single road trip from New York to Boston will expose you to a lot of American wonders. You will have the opportunity to explore the ‘Big Apple.’ You can visit popular destinations like Central Park, Greenwich Village, Times Square, and the Empire State Building. If you’re not exhausted yet, you can hire a ferry and go on a short trip to Martha’s Vineyard. Then, jump on a rented bike to discover Nantucket Island. Or go straight to Provincetown to have a glimpse of whales.

On your way north to Boston, you can go through Connecticut or Rhode Island. We suggest you stop at Cape Cod to enjoy beautiful ocean views and lighthouses. Once you reach Boston, there are still many sights to see. Boston is a historical city, one of the oldest in the United States. You can walk Boston’s Freedom Trail in order to see many important landmarks in one day.


Blue Ridge Parkway Virginia roadtrip idea route us

2. The Blue Ridge Parkway

SouthEast US
469 miles
If you want to enjoy the outstanding scenery of the Virginian countryside, take a road trip through the Blue Ridge Parkway. The Blue Ridge Parkway will take you through the Appalachians mountain chain. It runs from Virginia to Cherokee, North Carolina. It’s America’s longest linear park. You can see (and stop by) hiking trails, waterfalls, and panoramic views. This is a great summer road trip idea for nature lovers.

The speed limit allowed on the Blue Ridge Parkway is about 45 mph or less. This gives you the opportunity to leisurely capture all places of interest along the route. The road is meant to be driven at a slower pace so you can enjoy your drive through the Virginian countryside. And capture some awesome scenery with your camera!


route 66 summer road trip route ideas students expats

3. Route 66

Mid to West
130+ miles
Route 66 is one of the famous legendary tourist destinations in America. It provides you with tons of excitement as you journey all the way from Chicago to Los Angeles. In fact, Route 66 offers lots of awesome views for international students looking to gain insight into some of the early beauties of America. The journey takes you through museums, restaurants, and towns that flourished in the 1930s. Although the trip through Route 66 can be completed in just 5 days, you’ll be able to experience more if you extend the trip. If you have time to spare, you can visit the Grand Canyon, Las Vegas, and Santa Fe.

So, if you really want to capture many moments on Route 66, it’s advisable to dedicate between a week and 2 weeks for your trip. From Chicago, the trip will take you through the open plains of the Midwest, the mountainous New Mexico, the barren desert of the west, and finally the beautiful Pacific coast. There are signs on the road that help to guide your path as you journey through Route 66. You don’t have to be looking at your phone’s GPS all the time!


key west florida roadtrip summer ideas students expats

4. The Overseas Highway: Miami to Key West

Southeast US
Approx. 110 miles
This route takes you on a journey over the ocean to cross about 42 bridges as you go from Miami to Key West. (Including the famous 7 Mile Bridge.) You will enjoy stunning views of the Atlantic Ocean as you jump from one island to another. You can visit many popular islands during your road trip. Ragged Key, Plantation Key, Fat Deer Key, Tea Table Key and Sugarloaf Key, among others.

If you like scuba diving, you can visit the Neptune Memorial Reef. And if you want to see beautiful Renaissance-style gardens, visit the Vizcaya Museum and Gardens estate. Literature fans should visit the Ernest Hemingway House and Museum. And you’ll definitely want to take a glass bottom boat ride.


vegas loop grand canyon roadtrip us route ideas

5. The Las Vegas Loop

Western US
Approx. 779 miles
For any international student willing to explore America, the Las Vegas Loop is a good place to start. It’s a great choice for those who don’t have much time off to travel far during their summer holiday. The Las Vegas Loop is a closed circular route. You can complete this road trip in 3 or 4 days. (Depending on how many stops you want to make.) The road trip takes you through the stunning open desert of Arizona and Utah. You’ll journey through the loop from Las Vegas to Monument Valley, Grand Canyon, Arches, Canyonlands, Bryce Canyon, and finally the Zion National Parks. You can bike or hike at the Angels Landing in Zion National Park.

After you’re done completing your nature tour, you can stop and relax in Las Vegas. Have the full Vegas experience and stop by the Las Vegas Strip. Visit shows, casinos, and go shopping. You could do Vegas first, but you’ll probably want to go there last and get a massage for your tired feet.


Ready to get on the road?

Road trips are a great way to enjoy your independence and put your car to use. Going to and from work or school can get boring pretty quickly. Taking your own car instead of a rental can save you time and money. If you don’t own a car already and have been wondering how to get a car in the U.S., check out our complete guide to buying a car in the US. If you need a car loan to buy your car (and you should get one because it will help you build credit in the U.S.) consider a specialized lender like Lendbuzz. Lendbuzz provides car loans for internationals without credit history or a SSN. You can apply online in minutes, no co-signer needed.

As a student, learning should not be limited to books and classes where you listen to lectures and take tests. You need to expand your education by exploring the United States. This will provide you with fun memories to reminiscence about America after returning to your home country. So, pack your things, get in your car, and try out one of these US summer road trip ideas!

how to choose car insurance

A Guide on How to Get Car Insurance in the US for International Students

For international students and expats, the hardest part is over after choosing a lender and a car. But finding the correct car insurance coverage is also important. With so many details to take into consideration, you may be asking yourself: How do I get car insurance in the US? Don’t worry, we’re here to help.

You may have begun to find the process of buying a car in the US difficult. Finding a lender that would approve you for a car loan without credit history or a SSN could pose a challenge. Fortunately, there are lenders such as Lendbuzz that specialize in helping internationals purchase cars in the US.

If you’re ready to buy a car in the US or have already bought a car, you should know the answer to the following questions.

What is car insurance? Why do I need it and how do I get it in the United States?


What is car insurance?

Your car insurance, also known as auto insurance, will be the group of policies that will protect you as a car owner and driver. If you get into a car accident, for example, your car insurance pays to fix your car.

Is car insurance mandatory?

Getting at least a minimum car insurance is mandatory in nearly every state in the US. So it’s definitely something you need to have. You might be wondering why car insurance is mandatory in the US if health insurance sometimes isn’t.

How does car insurance benefit me?

Getting a comprehensive car insurance policy will protect your car, yourself, and others in the event of a car crash or accident. Depending on the type of car insurance you chose, the amount of money you’ll pay out-of-pocket after accidents will vary.

How do I choose the right coverage?

Choosing car insurance can be an intimidating process. There is no single type of insurance. You can get different amounts of coverage. Additionally, car insurance is offered by hundreds of private companies nationwide. Since there is an overwhelming amount of choices, first you’ll need to know the types of coverage available.


What are the most common types of coverage?

Auto liability

This type of coverage will pay for damages if you’re responsible for injuring someone or damaging another car during a car accident. Auto liability includes bodily injury liability and property damage liability.

Bodily injury liability: covers damages related to another person such as medical bills, lost wages from missing work, etc.

Property damage liability: covers damages to others due to loss of property.

Personal Injury Protection

This covers your own medical expenses for treatment needed due to a car crash.

Medical Payments

This covers medical and funeral bills resulting from a car crash.


This covers damages caused to the car by a crash collision.


This covers damages to your car that are not caused by collisions. Such damages include natural disasters and theft.

Gap Insurance

This type of coverage is aimed at people who have financed or leased cars. If the driver gets into an accident and the car is totaled, gap insurance can cover the difference between the current value of the car and the amount owed.


Where can I get car insurance?

You can purchase car insurance from independent insurance agents, big national insurance companies, and direct insurance sellers. Your insurance rates will vary depending on your driving history record. Insurance agencies will take into consideration how many miles you’ll drive to work or school and if you’ve gotten into car accidents in the past. The type of car you drive will also affect your rates. Also, you can get discounts if your car is modified for safety. For example, do you have tracking devices or safety features installed?

choosing comparing car insurance in the us MagicQuote App

How can I compare car insurance providers?

You can request quotes and manually compare rates for car insurance providers by visiting their websites. You could also save time and use insurance comparison tools such as MagicQuote.

MagicQuote is an insurance comparison app that you can install on your mobile device. You can scan your driver’s license and input your car’s VIN number to bypass the lengthy quote application process.

Then, MagicQuote will ask you a few questions to determine which provider and what type of coverage is best for you. For example: Do you already have car insurance? How much coverage do you want? Who will be driving the car?

MagicQuote will then match you with insurance providers and show you several options along with their cost.

For those concerned with sustainability and leading an eco-friendly lifestyle, you’ll be pleased to hear that MagicQuote is a One Tree Planted partner. This means that for every insurance policy purchased through MagicQuote, a tree will be planted to help reduce vehicular carbon footprints.


If you need more information on how to get car insurance in the US, visit this post. There you’ll learn of all the documents required to get international student car insurance.

memorial day weekend 2018 best car sales united states usa

Thinking of buying a car? Take advantage of Memorial Day car sales!

In the United States, Memorial Day is a federal holiday that honors those who have died during military service. Over the years, several businesses and retailers have commemorated the holiday by holding sales and offering big discounts. Both to military members and regular civilians. Car dealerships, in particular, tend to offer great discounts during Memorial Day Weekend.

That said, Memorial Day Weekend is a great time to buy a new car. As an international living in the US, you might not have celebrated Memorial Day yet. You may not even be aware of the numerous car sales and discounts being offered nationwide. The great thing about these promotions, besides the discount, is that they usually run until the end of May. So you have time to apply and get approved for your car loan.

Lendbuzz has you covered! We’ve listed 5 of the best Memorial Day car sales in the United States.

memorial day weekend 2018 best car sales united states

Check out some of the best Memorial Day Weekend Car Sales and Offers (in no particular order):

1.) 0% financing for 72 months on 2017 Volkswagen Golf

2.) $750 Chevrolet Cash Allowance on Trax LT, Malibu LT and Silverado 1500 Double Cab LT models

3.) $1,000 off Mazda3 for residents of Northeast U.S.

4.) $500 Bonus Cash on 2018 Jeep vehicles

5.) $500 Bonus on Nissan Altima and Rogue models

Now that you know of some great discounts you can get on cars thanks to Memorial Day sales, you can think about your financing options. Need help deciding what car is best for you? Want to know the steps necessary for buying a car in the US? Check out our International’s Guide to Buying a Car.

As an international student or professional, you may think purchasing a car in the United States will be difficult. But it doesn’t have to be. Besides getting a great deal during Memorial Day Weekend car sales, you can get great rates on your car loan any time of the year. With Lendbuzz, you can apply for a car loan online and get pre-approved in minutes. We specialize in helping expats who are on Visas or may not have a Social Security Number.

Apply for your car loan at Lendbuzz and you’ll be closer to getting the car you need. No SSN, credit history or co-signer needed.


Most of these offers are available until May 31st, 2018. However, you should check with your local dealerships to confirm dates, limitations, and the accuracy of all the offers listed above.

first car dealership visit in the united states

Want to know how to prepare for a car dealership visit in the US?

You’ve done your research. You came to the conclusion that owning a car will allow you to move freely around the community. And this is a necessary part of your integration into the United States. You set your budget, found a lender, and got pre-qualified for a car loan. You are now ready to find your car at a local dealership. As an international, you may have never visited a car dealership in the US. Or even visited any dealerships at all! This may be your first car purchase. You may think this process will be an intimidating one, but it doesn’t have to be. Especially if you prepare yourself by gathering all the necessary information. If you’re asking yourself how to prepare for a car dealership visit in the US, keep reading. We’ll help you navigate through your first car dealership visit in the States.

Before you go to the dealership, you should be ready. Know what documents you will need to provide, what type of information will be required from you, and how to best negotiate with a salesperson. This way you will speed up the purchasing process. And you’ll be able to go home with your new set of wheels quicker.

So, how can you get ready to visit an auto dealership in the US for the first time? Here’s how:

1. Gather all the documents you will need to bring to the dealership

A valid driver’s license

Although it varies from state to state, it is very possible that you will need a driver’s license that is valid in the US. You’ll want to (and should) take your car for a test drive at the dealership. To do that, the dealership will need to see your driver’s license. A driver’s license is also necessary in order to get insurance and register your vehicle. So if you haven’t done so already, make sure you schedule some time to take the driver’s test. Or, if possible, transfer your foreign license to an American license.

An insurance card

In order to avoid delays in the purchasing process, it’s advisable to contact the insurance agent of your choice to add your new vehicle to your policy. This step is required in most states and you must show proof of insurance to your dealer. This is commonly known as “the insurance card”. Having this beforehand can set a smoother path at the time of sealing the deal.

Proof of income

You will be asked for proof of income and they’ll need to see paycheck stubs or slips. This should be provided to you by your employer. While not all dealerships will ask for your last two pay stubs, bringing them can help you get a better deal. If you have more than one job, it would be helpful to bring payment stubs from all your current employers.

Proof of residency

This must be an official document with your name and your physical address that certifies that you pay for a service on a regular basis. This document could be your housing leasing contract. Or other official correspondence such as electricity, internet, phone or water bills. It’s very important that said document has your name and address. If not, it will not be recognized as valid. Additionally, if you’re able to provide a list of references, do so. It’s not required but it can give you an advantage. Your list of references should include people that can attest as to your employment or financial situation.

2. Research your local dealership options. Then decide which ones to visit and when

You should visit more than one dealership and get quotes from each one. These quotes are estimated prices of all the fees and taxes to be paid in the final transaction. In order to make an informed decision, you’ll want to compare various quotes. That way you can determine which dealership offers you the best deal. You can narrow down your choices by considering which dealerships carry the vehicle you’re interested in. You can check the car models they offer by going to their website or calling the dealership directly.

If you haven’t decided which car you want yet, it’s best to visit a multi-brand dealership. However, by knowing exactly what you want before you visit your dealer, you’ll be less likely to be influenced into getting something that is above your budget. If you know the specific car model you want, or at least have an idea, you can research better. It’s a good idea to visit dealerships during slow seasons or towards the end of the month. Dealers may be trying to meet monthly sales goals and are likely to offer you better deals in order to guarantee a sale. This is one of the most important steps on how to prepare for a car dealership visit in the US. The more information you have, the better your decision-making process will be.

first car dealership visit in the united states

3. Make sure you’ve been pre-approved for a car loan that meets your needs

You can definitely visit a dealership before finding a lender. However, if you’ve already been pre-approved for a loan you will have a negotiation advantage. Additionally, you will less likely be swayed by a dealer who wants to change your mind. They may try to convince you on terms, model, pricing, and other factors.

If you have not chosen a lender at this point, there are some things you need to consider. First, decide between leasing the car and purchasing a new or used car. Second, you need to find a lender in order to better manage your car purchase. Your loan provider should be able to accommodate your special needs as an international. Choose a lender that will work with visa holders and does not require a co-signer. Lendbuzz can help finance car loans for internationals with no social security number or credit history in the US.

4. Be prepared to negotiate and remember you can always go to a different dealership

With this step taken care of, you’re ready to go to the dealership. Meeting with the dealer is often very overwhelming because they will throw at you offers that may seem like very tempting deals. The process can be exciting but a very confusing one. You’ll realize that dealers will try to divert your attention from the final price of the car. They will bring up things like trade-in value, monthly payments, and financing options. Those are tactics to steer the conversation away from the final purchase price.

Of course, you should keep in mind a maximum monthly payment. Yet it’s best not to base your purchase on the monthly payments alone. This could lead to you paying more than you have budgeted for. Or paying more than the car is worth. Base your decision on the total price to be paid at the end of your transaction. Keep in mind fuel costs and annual maintenance. Surprisingly, this factor is often ignored and really matters after all.

5. Consider the add-ons you will be offered before you finalize the purchase

When signing the final documentation, the dealership’s financial manager will offer countless add-ons that might be overpriced. In fact, most of these services can be purchased from other companies. These add-ons include extended warranties, consumer reports, paint protection, among other things. If you really want a particular add-on, research it beforehand. That way you will know if the dealership is overcharging for it and if you’re better off getting it from a separate company. You could also use add-ons as a negotiation tactic. If the price your dealer is offering you seems too high, suggest they throw in some add-ons.
Always remember you have the upper hand. You can always leave and choose a different dealership. And you can always get your add-ons from other companies like your lender or insurance agent.

Now that you know how to prepare for a car dealership visit in the US, remember the following.
If you’re not comfortable with the quote a dealer has provided you, you can walk away and visit a different dealership.

Dealers may try to pressure you in order to make a sale but you have the upper hand and final say.
As an expat in a new country, every dollar counts. Make sure you have all the resources to make the most informed decision possible.

car loan myths misconceptions debunked common

Common Myths and Misconceptions About Car Loans Debunked

Getting a car loan can be a lengthy process, but it doesn’t have to be a complicated one. As an international living in the US, you may have heard a few myths about getting a car loan. There are a few common car loan myths circling around. For expats, the process of financing a vehicle is a bit different from that of a U.S. Citizens. So it’s important to know what’s true and what’s not when it comes to getting a car loan. Let’s bust the most common car loan myths and get you on track to financing your vehicle!


Myth #1: You need a social security number to get a car loan.

Social Security Numbers are numerical identifiers used for all United States citizens. Nowadays, SSN are issued at birth. If you are a non-citizen residing in the United States you may or may not be eligible to apply for a Social Security Number.

For Americans, these 9-digit identifiers are extremely important. One major role of the SSN is the connection to a person’s credit history. This country runs on credit scores. Most loans require a credit check. Consequently, many loan applications require you to enter a Social Security Number.

An SSN cannot be obtained simply because you need a car loan. Fortunately, there are options for foreign nationals without Social Security Numbers to secure a car loan. Some lenders will collect other information from you, like recent pay stubs and bank statements. As a result, they can have an idea of how financially responsible you are.

So, is it possible to get a car loan without a Social Security Number?

First, simply ask yourself: what are my options? If an application requires an SSN, try contacting customer support and explaining your situation.

Second, you can find a lender who caters to foreign nationals or borrowers without social security numbers. Lenders who specialize in foreign national car loans, like Lendbuzz, already have procedures in place for borrowers without an SSN. This helps you simplify your application process and secure a car loan more easily if you are qualified.

Myth #2: You can’t get approved for a car loan without credit history or credit score.

Most lenders rely on your credit history to determine whether or not you would be a trustworthy borrower. They use your credit score as the primary indicator and your social security number to access that information.

Having a Social Security Number does not mean you automatically have credit history.

Lenders in the U.S. generally only consider credit history that occurred locally and was reported to the credit bureaus. This includes activity from credit cards, mortgage payments, and car loans.

Not having credit history is not the same as having bad credit. Having bad credit means you have missed payments or acted irresponsibly. Having no credit means you have no financial activity in your records yet. If you don’t have credit history because you haven’t engaged in financial activities in the US yet, you still have a shot at getting approved for an auto loan.

So what can you do if you don’t have credit history? Find a company who can look at other information besides your credit score. There are other ways to show you can be financially responsible. These include bills that you’ve paid on time, your income, and your savings.

Myth #3: You can only get a good interest rate on a car loan if you have a high credit score.  

Contrary to popular belief, it is indeed possible to get a good interest rate on a car loan, even if you have no credit.

One way borrowers can improve their chances of a low interest rate offer is by using a cosigner. A cosigner acts as an insurance policy to the lender. If you fail to pay, they can demand payment from your cosigner.

Cosigners need to have good credit and be willing to take responsibility for your loan if necessary. As an international, you may not know enough people in the United States. Or you may not have such a close relationship with someone willing to be your cosigner. After all, a cosigner means lower interest rates for you but it can damage your cosigner’s credit if you fail to pay. It’s a lot to ask of someone.

An option for expats in the U.S. is to seek out a company that can offer competitive rates but does not require a co-signer. If a company has procedures in place to determine your trustworthiness without a credit score, then you are more likely to get a lower rate based on their policies.

Common car loan Myths Misconceptions

Myth #4: All car loan lenders are the same.

Not all car loan servicers were created equal and it’s important to research the companies you are applying to. If you do this, you can secure the best rate and improve your chances of getting approved.

There are a few ways to decide which companies you should consider applying to:

Find a company whose mission suits your needs.

The Internet is your friend when it comes to choosing a car loan servicing company.

If you have special circumstances, like not having a social security number or a credit history, a quick web search can help you narrow down your options. Some lenders cater to bad credit and others to families. Many companies have their own niche of the market that they want to help.

Lendbuzz is an example of an auto loan servicer that caters specifically to internationals who may not have credit history in the US. By using other information about you, like your education, earning potential, and savings, they are able to provide car loans at fair interest rates to borrowers who may not qualify at other companies.

Identifying the companies that care about and understand your needs can help you save in the long run.

Find out other customers’ experiences.

Once you’ve decided on a few lenders, you’ll want to find out what others are saying about them. Browse Google, Facebook, and Yelp reviews to find out how good a company’s customer service is. Is there a common concern among customers that you should be wary about? How good are the company’s ratings?

Apply for multiple loans and compare for yourself.

If you’ve done your research, you’ve probably identified more than one company that would suit your needs.

Fortunately, the application process for a car loan is non-binding. This means that you can apply to multiple lenders in order to compare rates for yourself.


Myth #5: The monthly payment is the most important number

You may be tempted to focus on the monthly car payments to determine whether you can afford your loan or if you got a good deal. However, don’t forget to take into account the total cost of the car. This means taking into consideration the interest you will be charged and the price of the car. If you extend your loan, you will have lower monthly payments but overall price of the car will be higher.


Myth #6: You can only get approved by local lenders

You may think that part of the application process still has to be completed in-person but that is not true. There are lenders all over the United States who have 100% online financing processes. You don’t have to limit yourself to considering lenders based in your state. This opens your options to a variety of lenders.



Many car loan myths could be holding you back from purchasing a vehicle. Getting to the truth of common car loan myths is an important step in getting the car of your dreams. 

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