How I Purchased a New Car with No Down Payment and a 0% APR Loan

Back in March of 2015, I accepted an offer to a new job about a thousand of miles away from home. I had no car of my own, so I decided to purchased a 2015 Toyota Camry LE for its reliability and brand. The total cost of the car was $22,079.12 and I did not have to put down a down payment and was also approved for a 0% APR loan for 48 months.

Now how exactly was I able to purchase a new car with no money down and still get approved for a 0% APR loan for 48 months?

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Why You May Not Need An Emergency Fund

Most of the time, a personal finance blog would recommend you to create an Emergency Fund in case of unexpected emergencies, hence the phrase Emergency Fund.

For those who don’t know, an Emergency Fund is a fund where you “should” ideally keep a savings of six months to a year of expenses on hand. If there happens to be any unexpected bumps or accidents like a layoff or a medical problem, you can then utilize the Emergency Fund to pay for your expenses.

However, if you had read, checked out, or glanced at my Simple What to Do with Your Money Guide, you will see that I did not recommend an Emergency Fund at all. There’s actually a very good reason for this and also why in the title of this article, I said that you may not need an Emergency Fund.

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The Simple What to Do with Your Money Guide

So a lot of my friends and co-workers have been asking me for advice on where to put their money and what kind of credit cards they should apply to… well, mainly it’s been about credit cards, as I have over lot of cards open and active for travel hacking, but I’ll give you guys more details on that later.

Anyways, I decided to write up a simple guide on what they can do with their money to help assist my friends and also people who might have the same question.

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