kim hartsock
founder

For this purpose, we have built in an AutoSentry© software module to help guide you to pertinent information and eventually your best car deal. The AutoSentry© assesses your needs from the moment you join the club and as you make requests for quotations or submit information about your current vehicle. This module will interact with you directly and feed information to two people, a Research Analyst and a Senior Analyst, so they can help you as well, when the time comes. The AutoSentry© and its associated software, the Virtual Auto Salesman©, serve to eliminate the typical car salesman, sales managers, and traditional finance managers. There goes a ton of expense, hassle, and a lot of wasted time!

So, to put us to work for you:

1. Join the US Motor Club and fill out your profile honestly (we have a solution for everyone)
2. Read, or at least scan, the topics at left. (Avg. 20-mins.) Follow the threads that interest you.
3. If any info is unclear, contact your sponsor (issued after registration) for a full explanation.
4. Make a request for a quotation, submit trade info, when prompted. Again, honesty is the key.
5. When you receive your quotation, give us feedback to help avoid follow up expense and hassle.
6. We request you communicate with us via Internet so that time and errors are minimized as your transaction is passed between departments and companies. We are always glad to communicate via telephone during regular business hours when web correspondence is not possible.
7. Know that the US Motor Club personnel is here to give information and our opinion, but the decisions of when, what, and how to buy, lease, sell, or trade are up to you.

TERMS OF USE

IMPORTANT: Please read the following TERMS AND CONDITIONS OF USE before accessing and using the US Motor Club, Inc. (US Motor Club) website, www.usmotorclub.org (the “Site”).

The following terms and conditions (“Terms”) apply to and govern your use of this Site. If you do not agree with any of these terms or the privacy statements, or conditions, or have any questions, then before proceeding contact us directly via

Not an Offer: This Site is designed for informational purposes, offer educated opinions, logical advice and contact with sellers and buyers of motorized vehicles only and does not constitute a solicitation or offer by US Motor Club, or its staff and affiliates, to buy or sell any securities, other financial instrument, sell copyrights, patents and trademarks, or to provide any other service.

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No Duty to Update: The information contained herein is provided as of the “Last Updated” date that is provided at the bottom of this page, unless otherwise specified. US Motor Club and its affiliates assume no duty to update any such information for subsequent changes of any kind. Automotive acquirement information such as price, rate, residuals, changes frequently without notice. Be sure to review older quotations with your sponsor just prior to making a commitment.

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Outside Links: For your information or convenience, this Site may contain direct links or hyperlinks to web sites that are maintained by third parties. When clicking on such a link, you are leaving our Site. US Motor Club has no control over, does not endorse, and is not liable for the quality, operation, reliability, compliance with laws, ethics, business practices, or content of such third party web sites, or for any product or service advertised or provided thereon. All transactions with such third parties operating said web sites, including provision of your personal information, are strictly at your own risk. We expressly disclaim any and all liability arising from your access of such sites and for the content of these web sites.

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SECURITY 1st!

SSL / TLS transfer of sensitive data - credit/lease application information, employment information. The US Motor Club operates under its parent root certificate, www.logic-sphere.com, to provide the highest level of encryption security and cryptographic keys for sensitive, personal information. Unless requested, US Motor Club does not generate or keep a printed copy of sensitive information to greatly reduce the risk of identity theft. Furthermore, US Motor Club's bank-level security software transfers your encrypted data directly to the applicable loan or lease lender, bypassing the seller, club employees and all other members involved in your transaction. Electronic information is then archived in a civil document vault at www.corpcrimefighters.org for the duration of time required by government.

Please contact Lisa Powers, Executive Secretary if you prefer to submit your information by phone, fax, or scanner/email.

FACTA (Fair and Accurate Credit Transactions Act) Red Flag compliance. US Motor Club meets the requirements set forth by the US Congress and enforced by the Federal Trade Commission. We protect sensitive information related to payment card information, credit applications, tax identification numbers as well as physical addresses and phone numbers. The red flag guidelines also mandate emplacement of fraud, or potential fraud recognition and reporting. All US Motor Club employees are trained in such matters and monitored. Contingency plans exist as well. We do not, however, monitor or guarantee the safety or compliance of your personal information once it is transferred to the target lender or merchant service provider. Likewise US Motor Club does not monitor or guarantee sensitive information collected by its members, affiliates, or other third party vendors involved in your transaction. Please be alert to individuals requesting duplicate information and be aware it is your responsibility to protect your identity information from theft or fraudulent use. If you feel you have been violated or security has been breached, please gather all pertinent documents and contact US Motor Club Security Office as soon as possible.

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Identity and or data theft from the US Motor Club servers. US Motor Club employs www.bluehost.com to host and protect our data and software on an impenetrable UNIX Apache server. Logic-Sphere ensures our web pages are protected from invasion such as SQL injection, WIFI and Bluetooth hacking. We also utilize surveillance and anti-theft code from Corporate Crime Fighters Organization on every page.

Making secure payments. US Motor Club infrequently uses Moneybookers.com to process small amounts via payment card. We are PCI DSS L4 compliant for those transactions. In most cases US Motor CLub is collecting a sizeable earnest deposit in escrow for an automobile in which case card payments are not allowed. Therefore, we have setup WebChecks™ by Logic-Sphere, a totally secure payment method because no sensitive (non public) information is required. WebChecks™ is one of the oldest and most established online check systems with a perfect security record. If you prefer, you can also make payments directly to us at any Bank of America Branch in the USA. US Motor Club Treasury is the only payment repository in our system of members, vendors, sellers, et al. Please report any attempts to collect funds from you for any vehicle transaction to Jean Cheli, Club Treasurer as soon as possible.

PRIVACY POLICY

US Motor Club will not sell or pass out your information to a third party. Every member's information is held in the strictest confidence, even from the seller of the vehicles. All information is passed on a "need to know" basis. Since we employ highly sophisticated chat boxes (blogs) on your ad pages, conversations also never leave the server. Your email address, phone numbers and physical addresses are not divulged unless you order us in writing to pass them out.

Ah... finally! The reason why we are here. (And we're glad you came!) Hurray! In today's uncertain economy, you have to look ahead and compare all the factors (described below) on every vehicle before you buy or your personal finances can be ruined. They have it rigged you know... It's near impossible to get out of a bad car deal once you sign on the dotted line. If you keep one to long, repairs & maintenance cost more than a replacement. If you are going to drive, you are going to have a payment.

So, you not only need the very best deal ever in the whole wide world, but also you need an easy exit plan in case your finances or needs change. That's what our programs lay out for our members whether they buy a car from a selling-member or not.

But before that, the first item to address is what you are paying for:

You can't stop depreciation. Obviously, the more miles you drive the faster your car drops in value, but also other factors like climate, market trends, and demographics of your area affect depreciation. You can slow down depreciation with excellent care, but then you're paying irregular payments of unpredictable amounts for maintenance & repairs, which are probably more than a newer car payment. You're walkin' while your vehicle is in the shop and all you get back is an old car.

Back to the point. Which point? ...Oh yeah, the point we were making about what you are paying for, the only value you can receive from acquiring your own car is the use of it. What else is there? Obviously, there is no monetary gain and no nutritional value. All values derived from a car are use values that can be obtained whether you own the car or not. Why pay for any more than you can get?

It is financially unwise to pay for something you don't get or has no real value. It is not good to prepay for a use-item because your money can earn money elsewhere in your budget. Therefore, the very best car deal in America will include a monthly payment equal to the use of that car like a good, level-yield, old-school auto lease with options. (Ref.Topics: Good Lease Vs Bad Lease, True Level-Yield Lease Benefits)

Now, not all leases are good and good leases are not available everywhere in the USA. There are some good leases for poorer credit grades too, but to suppliment the very best car deal in America, the US Motor Club engineers and selling-members have set up the next to the best car deal in America by using simple interest loans and highbred software when good leases are unavailable to you. Financing costs a few hundred more per year than leasing, a down payment is required, and you lose a few options, but this plan is a heck of a lot better than any dealer offers, and it is way better than paying cash.(Ref. Topic: Lease Purchase Vs Financing)

What? Paying cash is more expensive than financing or leasing? Yes if compared to a good TRU-LY™ lease or a fair simple interst loan. The reason is the amount you would pay in cash will earn more than the lease payment interest charge (lease fee) in the bank or another investment - even if you draw the lease payment out of the account each month. This is why Rockafellers and Kennedy's, Getty's and incredibly wealthy people lease their autos, planes, boats, anything that depreciates.

Jean Paul Getty (1st) coined what is still used as the Golden Rule to Financial Health way back then, "If the item you are buying appreciates in value, then buy it and own all you can. If the item depreciates then lease it, because the use value is the same and your money is more valuable else where."

Therefore, buying cars with cash can be the very best car deal in America if a) the car value to you will not go down - like a retirement car, a desireable discontinued model, show car, super exotic, etcetera... or b) you are using the club services to buy and sell cars for a profit so the value is actually appreciating.

Members can request a real-time graph comparing cash purchase and lease-to-own on any vehicle you select using the Request For Quotation (R4Q) form. (Ref. Topic: Lease Purchase Vs Cash Purchase)

So, that being said (and understood/agreed right?) let's talk about the next ingredient to the very best, or next best, car deal in America: finding exactly the car you want to drive, guaranteeing it's excellent condition, and obtaining it for a wholesale (around Kelly Blue Book Trade In) price.

When you submit a Request For Quotation (R4Q form), we search only the wholesale inventories of the Manheim Auto Auctions and Adesa where 520,000 vehicles are presented each month. And, that's the ONLY place we can get a free meaningful written condition report on each car signed by an ASE mechanic and guaranteed to be true or the vehicle will be repurchased by the auction house. Getting a condition guarantee from a seller or the factory is like letting a fox guard your henhouse. (Ref. Topics: How Wholesale Auctions Work, Vehicle Condition Guarantee)

Our software interacts with the auction systems to capture all the vehicle information including condition and current price reports. Calculations are made to determine the total price to bring that vehicle to you thereby eliminating the dealership costs, salesmen, sales managers and finance managers, etcetera. US Motor Club is not a dealer or a bank, so a nominal fee to a dealer who will process your paperwork/tag & title is included. The net bottom line price to you is always less than the related Kelley Trade-In Value, far less than Private Party value from Kelly.

Now as a side note if you have a trade, the process is the same with respect to any trade-equity, which is converted to a cash down payment as described in "Trade Ins & Cars 4 Sale". If your trade-in is inequitable (upside down) the club services can eliminate the inequity using our buy-down disposal program described in the "Get Out of Upside Down Lease" topic at left.

Back on track! The delivery price to you can then be used to calculate an array of payments that cover the monthly depreciation indicated in your profile and Request for Quotation form. The object of the effort is to minimize depreciation for each individual member in their unique and ever-changing driving requirements and maybe more important - form a solid exit plan. Therefore, you may be required to visit a third-party web site to submit some extra information and you may receive money-saving or value-increasing suggestions from our team for your consideration.

The decision will be yours. We only require that you give feedback at the end of each quotation so our cost of operation is further reduced by the cost of following up with you and holding vehicles at auction.

GREAT CARS! WHOLESALE PRICES! THE MOST CONVENIENCE AND BEST SERVICE.
THE VERY BEST CAR DEAL IN AMERICA!
WHAT COULD BE BETTER THAN THAT?

Request a Quotation

TRU-LY™ leases aren't available everywhere in the USA. The Club system will recognize if leasing is not available to you and automatically present the very best car deal in your part of America based on a super-low rate, simple-interest finance agreement customized to give you most of the leasing benefits and protection.

The best deal is to drive a vehicle during its prime, toward the newer side of its life - in between scheduled maintenance and upkeep like tires - under 100,000 miles. The life of a vehicle depends on several factors mentioned elsewhere, but you can count on 8 to 10-years on average. You want to roll out of a vehicle while it still has some "free driving time" available for the next driver. So, the prime driving time for the original driver will be up to 75,000 miles or 7 years old (by calendar) which ever happens first (on average).

Keep in mind, everyone is different. The best way to find out what is right for you is to go through the Club process. All decisions will be yours.

Request a Quotation

New vehicles depreciate 20% - 42% the minute they become used vehicles (when you buy it), but only 6% - 14% every year after the first. We're talking about average depreciation now, 12,000 - 15,000 miles per year, family use, garaged, 4-seasons, blah-blah...

You know from reading previous topics that our system is built to analyze your personal driving situation to determine and guarantee the amount of depreciation you will pay during a lease. No one has a crystal ball so we don't expect to hit the amount exactly. The guarantee is that the depreciation will not exceed a certain amount and you do not have to pay more than that. On the other hand, if the depreciation is less, you get to keep any equity that is established. The Club administrators, not the lenders, help members acquire any accidental equity in thier vehicles.

Back on track. There is nothing like a real life example. Here are a few:

Obviously, getting slightly used vehicles saves a lot and makes your payments lower and more manageable. It saves on sales tax and lowers the amount you need down for financing, too. Getting slightly used vehicles starts you out on the right foot - you owe less on your car than you can sell it for. The key is to keep ahead of depreciation with financing that amortizes the balance faster than the vehicle depreciates each month.

Lease payments in this scenario are significantly lower because you have cut the monthly depreciation about in half. There is no outlay for sales tax. Level-Yield leases pay the balance down regularly, so you should be in good shape there when it comes time to trade vehicles. If not, like you went over on miles or changed driving habits unexpectedly, any inequity would have to be negligible. You also have the popular option of putting your car up for assumption - you will be offering the lowest payment on earth to the new driver. (Ref. Topics: TRU-LY™ Lease Early Termination , True Level-Yield Lease Benefits)

Older used vehicles 2-5 years old are an exceptionally good lease. About 25% of a new same-model with $0 down. If you are at a point in life where you need to impress people with what you drive, a 5-year-old exotic will indicate long-term wealth and prudence at an economy car price. You can get a 4-year-old SL550 for the same payment as a new C280.

We take care to get good vehicles that have already had tires, routine maintenance, repairs, or we perform these items prior to delivery. It is a good idea to keep the lease term reasonable (3-4 years) and trade often so you're offering the next (take-over) driver a good worry-free vehicle too. A rule of thumb is 7 years or 70,000 miles (7/70).

Yup! We're pretty sure the very best car deal in America will be a lease on a used car. But, the auto industry grapevine has it that there are millions of new untitled 2008 & 2009 cars in inventory and at seaports. There may be some call for new car sales and leasing if those cars are offered at the depreciated amount. You can count on the US Motor Club to keep up on all that.

Request For Quotation

How are these two items alike? The owner gets buried in both of them!

How are these two items different?

The owner gets buried alive in the new car!

The fact is: you can't buy a new car or truck if you are financially buried in the last vehicle you bought. The super high depreciation we have been discussing coupled with poor loan or lease amortization has lead about 81 million American drivers to be so inequitable they cannot trade. Research shows around 27 million Americans are trapped in a captive (new car manufacturer controlled) auto lease.

According to the US Department of Commerce, auto sales alone is responsible for 24% of the sales tax revenue each year. Americans spend $820,000,000,000.00 on average buying new and used cars from each other annually. Auto sales, not counting parts and repair, is far and away the single largest retail business in the USA. For comparison, real estate is the second largest segment with annual sales around $240 billion in normal times. Sales tax and corporate tax benefit the municipalities immediately with badly needed funds to run law enforcement, D.O.T., waste removal, and dozens of other services Americans have come to take for granted. (Ref. Driving the U.S. Economy)

So when the revenue leading industry tanks, we all fall down. For every auto factory worker laid-off, at least 6 people lost their livelihood at the vendor/supplier level. Individually, we care about our society as a group right after we worry about our own personal well-being - as we should do. If you could see the auto finance business from the inside out like we programmers do, it will scare the crap out of you.

IMHO: No matter where the problem is rooted, the solution to the global financial crisis is available in the Auto Sales & Finance Industry. A solution, in the opinion of a software engineer, is not a patch or an alleviation of some symptoms. It comes over night, cures all maladies for all parties permanently, doesn't cost anything, does not take a long time and is independent of any group.

The US Motor Club would like to lead you to that solution individually, and as a nation, by exposing some history and proposing some alterations to the way we conduct auto business in the future. Actually, the solution is mostly a reform to the original design as you will see.

The history: There was a time when all auto leases were based on a level-yield amortization schedule and the residual value (lease-end value) was set low to ensure lessees did not get upside/down. Mileage charges were fair and lease assumptions were allowed without a continued liability to the original lessee.

In July of 1986, American made vehicles, were unable to compete with comparable Toyota and Honda models that were holding their value better and rendering much lower true lease payments. The S10 Blazer 4x4 for example had a 48-month residual value of 25% of it's original MSRP. The Toyota 4-Runner was guaranteed to retain 49% of it's Monroney Label price.

GM, Ford, & Chrysler were losing market-share. They had to do something quick, so GMAC brought out the 'Holiday Lease Special' on select models to help them capture and retain more customers. Later called 'SmartLease' the contract featured an extremely low payment because the residual value was raised to compensate for the capitalization of the full MSRP of the vehicle. The internal interest rate was reduced and the amortization schedule (amount of principle paid from each payment) was changed so the lessor received most, if not all, of the interest charges first.

That started a trend because all other lessors, factory backed or not, had to follow suit or become uncompetitive. Even the Asian Manufacturers had to adjust residuals to stay competitive. This, of course, caused consumers to owe more on their vehicles than they were worth and effectively disallowed early termination. That stopped a volume of trade and flooded the used car market with overpriced lease-return cars.

The lease-end losses were staggering. One by one, and sometimes two at a time, many of the largest captive lessors filed bankruptcy. Self-induced. We all suffer the consequences.They were such a big part of the economy. Lessees, who typically have higher credit ratings, are the top of the food chain. When you don't take care of your customers, you cannot prosper for long. Only the the true, level-yield independent lessors and a few captive lessors who amortize vehicles on a bell-curve survived -so far.

So that's the problem. Auto lease consumers have the best credit and trade more often, so they are the best market for new and repeat business, but they can't trade because they are so buried neither a dealer nor a banker will look at them. Auto leasing is a big part of the industry "food chain". Like any ecosystem, removing or damaging an element at the top causes catastrophic failure. In lay terms, they simply didn't take care of their customers; they took care of themselves first - as they should do.

The solution: The failures of these world class auto lenders is not the last straw, but just a step in a free society exposing and correcting its problems. A clear thinking person with full mental capacity will not expect (or let) the industry correct its own problems. It can't. Government reform of auto lease laws to force level-yield amortization and fair contracts would be nice, but we don't have to wait for them or count on it.

• In the future don't sign diabolical auto leases with any of the 'Bad Lease' attributes described in the next topic down. There are good leases available.
• If you are already involved is a captive lease and want to get out of it, use the US Motor Club's write-down disposal plan to exit without a cost, a loss, or any contingent liability.
• If you are a lender with a portfolio of inequitable leases, contact us about running our custom correction spider across the accounts. This software also operates without a cost or loss and lowers the payments for the lessee.
• If you are a professional in need of employment or an individual seeking a business opportunity visit http://www.logic-sphere.com/bizopps.php or the jobs and gigs page linked there.
• If you are interested in investing in good vehicle, or equipment, lease portfolios or other secure auto-related investments like collateralized floor-plan annuities on pre-sold vehicles, please visit http://www.logic-sphere.com/investor-relations.php.

The Club's software and procedures guide you to personal auto-financial solutions. You are an individual with unique driving needs. Those needs change over time. Every used car is also unique. IMHO: The overall solution to the global financial crisis happens to be the individuals finding personal solutions in some volume. That enables trade.

Our current estimation is 6.33 million. If 6.33 million of the 81 million captured drivers suddenly were able to trade-at-will again by converting to a good old-school lease, the economy would be repaired. That number is of course growing.

Request For Quotation

Like auto finance plans, or just about anything else in life, there are good and bad leases. Do you know the difference?

By in large unknown to them, auto-leasing was not invented for the purpose of dealers making more money. Leasing was first regulated to help the government control tax evasion by business use drivers. Still today true auto leasing affords far better business-use tax write-offs than the ACRS or mileage deduction methods.

Pure auto leasing was promoted heavily in the beginning by Franks, Wheels Inc., PHH, US Fleet & Lease, and others as a fleet, pay-as-you-drive, service with attached tax and other benefits. In the early 70's some of us began to realize the largest fleet in the world was the American household. It wasn't until the late 70's and 80's when the manufacturers and dealers became involved in financing leases. July 1986 brought the big/bad changes described in previous articles. Be aware of those bad leases being the norm still today. Good leases are out there sparingly. There is only one good national used car lease lender in existence today.

Request For Quotation

A "True Lease" is one that is in compliance with all government (IRS & FTC) regulations, therefore qualifies for business use tax write-offs and tax credits when they apply - overall fair lease structure with early termination and purchase options.

A "Level-Yield" amortization schedule is where the lessee's payment is apportioned the same way each month. I.e., $756.00 monthly payment, $600 goes for principle balance reduction, $100 goes to the lessor fee, and $56 goes to local use/sales tax.

US Motor Club uses the trademark TRU-LY™ to define any true, level-yield lease-to-own offer. You can be assured when you see that mark in your quotations that the lease being discussed qualifies and offers you most of these benefits:

Prestige – The financially wise lease their automobiles. Rockefeller's, Kennedy's, Getty and the most wealthy always lease depreciating items. It is smarter because it costs less. Ever wonder where top management car people get their personal vehicles? Many of them get leases right here at the US Motor Club.

Better income tax write-offs for business use drivers – Request a free personal analysis. IRS created auto leasing with Tax Code D168 a-h. IRS intentionally allows far better write-offs for lease vehicles to control tax evasion in business use.

Flexibility to trade – Read about early termination options and procedures available only with a TRU-LY™ lease. These powerful financial tools can be used to terminate your lease quickly and easily.

Lower or eliminated maintenance costs – Trade vehicles long before problems occur and upkeep is due. Maintenance and repairs are the more expensive part of driving. Avoid them by upgrading your transportation at regular, preplanned intervals at the same or similar monthly payment.

GAPP protection – Included in all TRU-LY™ lease contracts, GAPP pays any difference between balance owed and amount paid by your physical damage insurer in the event of a total loss.

Fixed purchase option – Allows for equity recovery at early or end-of-term lease termination. TRU-LY™ contracts are lease-to-own.

Guaranteed future value – Protects you from abnormal depreciation due to market conditions, excessive recalls, manufacturer bankruptcy, dealer bankruptcy, etcetera.

Safety from legal aggression – in a TRU-LY™ agreement, the vehicle is titled to the lessor so you are protected from law suits filed against the owner of a primary-cause vehicle involved in an accident where bodily injury and/or property damage occurred in an amount greater than your physical damage insurance paid.

Lower monthly payment - Lease payments are generally 60% of the finance payment for the same vehicle.

No down payment required - For most vehicles zero, nunca, none, nine, nyet, zilch, zip.

No up front sales tax - Use tax is charged monthly instead - a huge advantage for those that trade often!

Request For Quotation

Request For Quotation

Did you know that only 3 hundreds of one percent (.03%) of all cars produced in the USA become valued collector cars? That's less than 1 car out of every 3,000 passenger cars sold in America. Truly amazing.

Also amazing to learn, paying cash for a depreciating asset is more expensive than leasing, even if you purchase the vehicle at the end of the lease and own it. Keep in mind the use-value, the only value received, is exactly the same whether you lease or pay cash, finance, steal it, borrow it, etcetera, Also, again, please remember we are talking about daily-drivers, not classic collector vehicles.

We'll use the same real vehicle as in the Lease Purchase Vs. Finance presentation for this Cash Purchase vs. Lease-To-Own scenario. BTW: Higher cost vehicles make more savings in this excercise.

So, you have $26,229 to plunk down and drive off in the Range Rover free and clear. Or, you could invest that money in an annuity (interest bearing investment) and let the lease payments of $520 be automatically subtracted from the annuity each month - still drive away just as free and clear. Subjective is the security and the rate of return on the investment.

Among others, US Motor Club offers a 100% secure investment at a 12% APR return plus a transaction fee. Interested parties can contact the Club's Treasurer about it. We will use 12.00% APR as your earning rate in this conservative presentation. We'll use any rate you tell us to in your personal requests for quotation.

Since lease payments are due in advance of the month of use, it goes like this: $520 is paid to the lessor when you pick up your vehicle, so $25,709 is put into the investment earning 12% annually (1% per month) at the same time. At the end of the first month, your money has earned $257 so your balance is now $25,966 and the lease payoff is $23,957, so you are ahead $2,009, but it is time to make the second lease payment.

Isn't this exciting?! We carry on like that until the end of the lease, in this case 48-months, when you have the option to purchase the Range Rover for $9,568, or go lease-purchase a different vehicle:

So, you are better off leasing the Range Rover financially because it is still depreciating and your money is more valuable in an appreciating asset. A smart buyer would realize maintenance and repair costs are coming up and put this Range Rover up for adoption in 13 - 24 months.

TIP: If you really want to save like we do it, capitalize 5-6 payments on a lease car so you get cash back when you pick it up. Make 4-5 payments and put it up for adoption at the Club. You could drive for free.

The authors realize there are many reasons to pay cash and forego auto lease savings. Buying a retirement vehicle or a car that will not depreciate as well as pride in ownership and avoiding corporate or government contact are all good reasons...

We appreciate the opportunity to express our opinions, but of course, the decisions are up to you. The selling & lending Club members, and the US Motor Club management have agreed in contracts to perform transactions based on your decisions without question.

Request For Quotation

For your savings, be accurate when you choose how many miles you drive per year in the Request For Quotation form. Over rating your term use mileage, amost common error, will increase your lease payments unnecessarily. You will not be able to recuperate any money for unused mileage.

Write your lease for a few less miles than you actually will drive because very few TRU-LY™ leases go full term (the only time over-contract miles come into play) and a few miles over is seldom an issue in the car value. If by chance it is an issue, the charge for going over your mileage at the end of the lease is exactly the same as at the begining of the lease except the end-of-lease mileage charge is based on the actual amount of miles you drove - which is way better.

We like to design low-cost plans for high-mileage drivers. The maximum mileage allowed on any lease is only 20,000 per year, so for people who drive more than that, we get an exceptionally low-mileage vehicle and plan for them to trade often. A lease assuption is usually used. Honestly, the Club's selling-members average a little less profit on high-mile drivers because the volume is greater per year. That helps upon original pricing and helps a lot when we are looking for a low-mile take-over driver.

To help calculate your annual mileage accurately, each request form will contain a calculator. Here are some of the fields you will need to know.

_________ + Workday miles X workdays per week
_________ + Off Day miles X off days per week
_________ = Total X work weeks per year
_________ + Vacation miles & other planned trips
_________ + Safety factor miles per year
_________ = Annual miles

Request For Quotation

In today's economy, you gotta look ahead and prepare for all events. Did you know your car is your most expensive item in life now? You can't afford be upside down and you can't afford to pay a large down payment to keep from being upside down.

The US Motor Club first helps you by obtaining vehicles from wholesale dealer-only auctions at Kelly Blue Book Trade In prices (properly depreciated). We offer simple interest loans and level-yield leases, which both amortize your principal (capitalized cost on a lease) faster in the beginning when you need it most. Much faster than an Add-On or Rule of 78's loan and much faster than any other lease type.

With retail financing, the title is made to the buyer (with a lien to the lender), so there is only one way to dispose of a vehicle before the end of the loan term - pay it off. All you have to do is make sure your finance amortization schedule keeps up with the vehicle's depreciation. If your financed vehicle is 6 years old or less (by model run) and has less than 76,000 miles, the US Motor Club selling-members will probably sell it for you at a fair retail price.

With leasing, the title is made out to the lessor so not only can we dispose of it through a sale-and-payoff, we can move it for you with a legal lease assumption. The sale-and-payoff method should ony be used when there is equity in the vehicle and you want it. Either way, the selling-members of the Club love to perform the disposal tasks because that's where they get the bulk of their business. And more important, if they treat you right, you will lease another car from them.

In any event when you want to trade, just fill out a used car appraisal sheet online in your private Club CarQ™. The Club selling-members take over using the procedures described in "Trade Ins & Cars For Sale", and " Get Out Of An Upside Down Lease" if needed, with the goal of terminating your contract without a cost, loss, or any contingent liability to you. That's how they earn their money. Please be assured they are very well-equipped to do so.

Request For Quotation

We are describing a 100% legal assumption with full knowledge and permission from the lessor, not a 'straw-purchase' or a sub-lease. The original driver is removed from all obligation and the new driver will assume full obligation for the remainder of the contract. Be aware of captive leases that force the original drive to remain in the lease as a co-lessee. Not good.

Assumptions are only possible with a lease. It cannot be done with a financed vehicle: It is illegal to drive, own, make payments on, get insurance on, or have a side contract on a vehicle financed in another person's name. For financed vehicles to change hands, the title has to be changed after all liens satisfied - paid off. A new loan has to be written in most cases and more interest and taxes are incurred. Unlike finance contracts, the title on a leased vehicle is made out in the name of the lessor. Drivers can be switched on the contract; the title does not change. The new driver is simply sent an assumption contract and no new taxes or interest is incurred.

You may want to use this option if at the time your lease payoff is greater than your car value. You would not want to use an assumption if you have equity in your leased vehicle.

Smart drivers contemplating assumptions as a risk-management tool for early termination need only fill out and submit a vehicle appraisal form online. You will not have to take calls or show your car, negotiate or even meet the person taking over. The Club selling-members will take over using the procedures and software described in "Trade Ins & Cars For Sale", and "Get Out Of An Upside Down Lease" if needed, with the goal of terminating your contract without a cost, loss, or any contingent liability to you.

Like a good battle is won in the planning, so is a successful vehicle disposal planned for when the vehicle is leased. The selling-members of the club pride themselves on enabling repeat business by making an exit plan for each transaction:

1. As a general rule, do not put money down on a vehicle you plan to have assumed.
2. Plan to put your lease up for assumption before the end of that year model-run, before new body changes are produced for that model, and before the end of the calendar year if possible.
3. Know how many miles will be on your vehicle and how many contractual miles are left when you plan to have your lease assumed.
4. Plan to have a substantial "value-to-payment" ratio at the time you want out and advertise nationwide for a few extra bucks (eBay) for the fastest disposal.

Request For Quotation

Members can actually trade more often with a long-term lease because its lower costs are more attractive to take-over drivers. Like financing, longer term leases offer a lower payment. The US Motor Club leasing-members will write auto-lease contracts for up to 60-months on select used vehicles up to 5 years old. The odometer and contract mileage cannot total more than 100,000 miles. On the short end, they will write 24 month leases. Here, you can get a good level-yield, old school lease on about any term in between.

Considering the numbers and the free lease disposal services we offer by forming legal lease assumptions not available on dealer leases, a long (maximum allowable) term lease is your best contract. I know, I know, that's a hard consideration after listening to +20-years of factory and dealer propaganda about leasing their way, but look where that got us.

Figures don't lie and liars don't figure. Even if we did not have the lease assumption tool as the primary disposal method for early termination, it costs $6,094 less to lease long-term and use the sell-and-payoff method at the short-term lease expiration date. Here's the long and short of it on a 2009 Mercedes-Benz SL550 Roadster.

The 1st column is the month of use, 2nd is the total cost to date of the short-term lease, the short-term lease payoff to date is in the 3rd column. The 4th column has the long-term lease cost to date, the 5th is the long-term payoff amount to date. The 6th column shows how much you have saved to date with the long-term lease (your use of the SL550 is the same), however column 7 shows how much higher the long-term lease payoff is to date. The 8th column shows your net savings after making the higher payoff.

So that's cool. BTW: the current value of a 2006 M-B SL500 (prev. body style) w/41,700 miles is $35,400, so you are safe there. They really do set residual values right!

With this knowledge let's revisit plan A - using the legal assumption service to terminate early. It's pretty easy to get a qualified driver to take over a $1,560 SL550 payment when everybody else is paying $2,233 for the same car. Obviously there is no payoff or deficit in a legal assumption transaction, so if enacted at 36 months (short-term) you've saved a whopping $21,384 by leasing long-term instead of short in this example.

TIP: Capitalize 3-6 payments in your lease, then your cars up for lease assumption every 3-9 months so A) there is never any competitive payments (like a new 36-month lease on a 2009 SL500 might be to this SL550 3 years from now), B) you are always driving the hottest car! and C) you totally avoid all maintenance.

Request For Quotation

These new car ratings may have little or no meaning on a used vehicle quotation. Actually, the vehicles that depreciate the most in the beginning would depreciate less in coming years, therefore have lower payments especially on a current year model vehicle. Contact us for 2010 vehicle depreciation ratings or visit www.alg.com directly.

We suggest you get a quotation on the vehicle you really want to drive. Our systems will tell if there are lower payments on similar vehicles and suggest them to you. Of course, the decision is always up to you.

Automotive Lease Guide is pleased to announce the release of the ALG™ Depreciation Ratings. Based on 2009 model year vehicles, the 1 through 5 star ALG ratings provide consumers with an accurate and convenient method to determine the amount of depreciation a vehicle will experience over the lifetime of ownership.

The best time to trade vehicles is when you want to, of course. Seriously. If you want to trade, that means the vehicle is no longer as useful to you as it was, which was the reason for getting it in the first place. You should drive what you want. You'll be happier and more glad to pay for it - and proud to take care of it. Smart buyers look ahead and prepare themselves for a change of heart.

There are other reasons to switch vehicles as well. You may need to switch for work. Maybe your mileage is too high for the lease you have now. Maintenance and repair costs could be mounting. Additions or subtractions from your family of drivers, financial reasons, a move, health, are all changes that can affect what you need to drive. Smart buyers look ahead and prepare themselves for a need to change.

A word from our sponsor: The US Motor Club provides the selling-members with software, tools, and procedures so they may provide each consumer member with a personal driving plan including a flexible exit strategy to optimize your car dollar. Request a quotation on a vehicle of your choice today - start saving and driving the car you want tomorrow.

OMG! That even sounded like a commercial. The point is that exit plans, a.k.a. the best time to trade, are based on optimal trade times in the life of the vehicle, which takes a back seat to the optimal trade time in the life of the driver.

To optimize your car dollar, plan to put your lease up for assumption before the end of that year model-run, before new body changes are produced for that model, and before the end of the calendar year if possible. Know how many miles will be on your vehicle and how many contractual miles are left when you plan to have your lease assumed. Plan to have a substantial "value-to-payment" ratio at the time you want out and advertise nationwide for a few extra bucks (eBay) for the fastest disposal. Be aware of upcoming competitive offers both inside and outside of the Club.

Request For Quotation

For the good of its members, the US Motor Club policy does not allow for trade-in vehicles in the traditional manner. We convert member vehicle to a cash amount - positive or negative. We consider disposing of a member's current vehicle as a separate transaction from that same member subsequently obtaining a new/used vehicle through the club services.

The first step is to fill out a Request For Quotation form, which contains a trade vehicle input section or fill out a separate Member's Vehicle Disposal form. We compare the vehicle's wholesale and retail value to any loan or lease balance on the auto. Only three things can happen:

1. If you have equity in the vehicle you can:
   1. accept the wholesale value and put all, part or block of it down on your next car
   2. request that the Club "Selling-Members" sell your car for a retail amount and keep the increased equity (recommended)
2. If you owe exactly what the car is worth, you simply let it go to the next driver and go after your next vehicle.
3. If you have a trade deficit, there are 4 ways to handle it:
   1. if the amount is nominal, you can write a check for it and start fresh on your 1st Club vehicle.
   2. if the amount is too high for that, yet within lender's allowance, it can be rolled into your next loan or lease.
   3. If the deficit is too high for rolling, and the vehicle is within our lease guidelines, the selling-members will start a retail campaign online and employ our unique write-down disposal tool: "Get Out Of An Upside Down Lease".

The upside is transaction transparency and more money for your trade. If you have a deficit, which most members do, you get out without a cost, loss, or contingent liability. The selling-members of the club love it because it gives them more opportunity to make money and add new consumer members in their personal portfolios.

Request For Quotation

This is a unique program that has worked 100% of the time in the past. It is made specifically for US Motor Club members who are financially trapped in their current vehicle, due to a poorly structured lease contract, so they may exit that lease legally, without a cost, loss, or any contingent liability (future obligation).

The program is now open for use by members who are trapped by a poorly formed finance contract with minimal cost, minimal loss, and no contingent liability. Clients that are upside down on a finance contract require extra services to devoid the extra amount of sales tax paid on inception.

In either case, the member is not required to obtain a new/used vehicle from the US Motor Club selling-members after the disposal. The selling-members of the club are responsible for working with the prospects so you can concentrate on your regular daily activities.

1. The US Motor Club accepts in depth information about the inequitable contract online: Auto Analyzer Pro©.
2. The information, coupled with research performed by the Club Analysts, is used to prepare and post a series of Internet advertisements and a Virtual Auto Salesman© page about the offer.
   1. The offer is for US citizens to bid on a custom made lease for the disposal unit.
   2. There is a low (starting) bid which is based on the wholesale value of the disposal unit and a 'Lease It Now' payment structure that is based on the payoff amount.
3. All leads are attached with a number that identifies which advertisement originated their interest. All leads are directed to the Virtual Auto Salesman© to collate prospective buyers/lessees for the vehicle. Trained and equipped selling-members monitor and work with the prospects:
   1. Nonevent shoppers are excluded at the threshold.
   2. Qualified shoppers who bid more than the starting bid but less than the payment needed to meet the payoff are spun off to a similar vehicle at auction. When their transaction is complete, a fee is paid to the originating member for the purpose of writing down their inequitable vehicle agreement (in air). The 'Lease It Now' payment structure is adjusted (or not!) and the ads are posted again.
   3. Qualified shoppers who bid the 'Lease It Now' amount are allowed to assume the lease or write a fresh lease on the vehicle.
4. If no qualified shopper ever presses the 'Lease It Now' button, the vehicle is eventually written down to a wholesale value and sent to the dealer-only auction for disposal.

So, one way or the other, upside down members get some quick relief. Trade is enabled. Selling-members get plenty of new income opportunities. Consumers nationwide are attracted to lower prices, payments and fair repayment programs that keep them from inequity. More trade is enabled.

Traditional dealership managers are urged to contact the Club about providing this service to their local customers when conventional disposal methods do not allow trade.

Individuals or companies seeking a business opportunity helping Americans get in and out of the automobiles should contact the Club.

Americans with or without auto sale experience seeking employment with the Club, a selling member, or an affiliate, should contact us about working on this team.

Request For Quotation

US Motor Club obtains vehicles for its members only from the wholesale auctions that provide:

• a full electronic condition report from a 3rd-party ASE mechanic.
• a money-back guarantee of the vehicle's condition.
• online buying service (post sale inspection).
• solid arbitration services.
• a full body shop, auto detailing, and full reconditioning shop on site.
• full (major) mechanical services.
• inter-auction nationwide freight (insured, bonded, licensed motor vehicle carriers).
• 3rd-party consumer delivery services.
• Financial services - floorplan.
• Title & registration desk.

Please be aware of the no direct contact policy. Violations of policy result in temporary and permanent (on second offense) banishment for the offending dealer. It is suggested you drive a similar vehicle local to you.

The auctions' wholesale market reports, which is the source for all other auto price guide books, is used for pricing. After adjustments are made for the condition, negligible fees charged by the auction, wholesaler, freight carrier (if any) and facilitating dealer are attached. IOW: your quoted price is all inclusive; no hidden fees or additional charges will be added.

If in the unlikely event the vehicle, your pricing or your payment structure is not as stated upon delivery, consumer members informs their Club representative. They in turn deal with the auction's arbitration department.

The flow of information is regulated and logged by our systems for your protection and convenience. Each party to the transaction works remotely in their own timeframe. Information is stored for you in MyCarQueue© so it is available when you need it. All transactions are overseen by the Club's expert committee to assure 100% satisfaction.

Request For Quotation

We locate, inspect, and buy cars and trucks at wholesale dealer auto auctions nationwide. One reason we only deal with government-regulated auctions is, vehicles at auctions cost $1000's less than vehicles dealerships. Also, the selection is wider. Manheim Auto Auction alone represents approximately 520,000 fresh-priced vehicles each month. Another reason we only by at auction is the accountable money-back guarantees of vehicle condition. These guarantees come from the ASE mechanics at the auction house, not the dealer or consigner of the vehicle.

Do you realize how much time, hassle, and money that saves? This service means we can shop across the nation without risk.

1. When a vehicle is first consigned to an auction, the seller makes legal statements about its condition. The federal government has laws about vehicle disclosure at auction. The auction itself subjects every transaction to arbitration policies before paying the seller for the vehicle. So, if a seller misrepresents a vehicle at registration, he is wasting his time and an amount of money is lost to him for sale fees, buyer fees, etcetera. They just don't do it.

3. When a qualified client shows interest in an auction listing, we send our licensed wholesale buyer to make a second physical inspection of the vehicle. He/she also carries a paint meter, evaluates the interior, mechanical components, drives the auto, and uses every component on the vehicle to make sure it is in good working order. A written guarantee of excellent condition will be sent to you and made part of your transaction.

4. Passing that, we buy the vehicle subject to a post-sale ASE mechanic inspection. Any repairs, maintenance, reconditioning and a professional detailing are completed before we pay for the vehicle or it leaves the auction premises.

We unconditionally guarantee the vehicle to be in excellent condition upon delivery to you. "Excellent" condition means that the vehicle looks great, is in excellent mechanical condition and needs no reconditioning or repairs. It has passed a smog inspection. The engine compartment is clean, with no fluid leaks. The paint is glossy and the body components and all interior parts are free of any wear or visible defects. The vehicle glass has no defects. There is no rust. The tires are the proper size and match and are new or nearly new. This vehicle has a clean title history, verifiable with Auto Check or Car Fax. All remaining factory warranty will be transferred to you. This vehicle qualifies for an extended warranty. This is an exceptional vehicle with all of the equipment and options stated above, in tip-top condition.

This is a real guarantee backed by the auction, not a typical here-today-gone-tomorrow used car sales lot.

Request For Quotation

Today's Index: Credit is tight. Advances are medium-low. But, everybody rides at US Motor Club! It's true, we have a program for everyone - even zero credit-score adults. Here's where you find out what your options are without hassle, expense, or risk of damaging your credit rating, and - we do not mark up interest rates.

In addition to your credit history, your personal credit approval requirements are based on your income/debt, geographical area, the pricing/condition of vehicle applied for, your trade-in if any, and your mileage if applying for a lease. Also, your requirements depend on factors beyond your control - including the global economy and unemployment rates.

Creditors, especially auto dealerships, have depersonalized the process of getting loans and leases. When you sign their application, you give them permission to submit your application to an array of lenders - usually where they get the best mark up. That can lower your score in a manner that cannot be repaired soon. That goes for Internet auto credit clearing houses as well. Direct lenders are more sensitive, but your options of finding the best rate are limited.

Because of this, we have developed a 4-stage, 9-tier "pre-credit" application approval process for you. It's the only thing that works for everybody in today's economy. Go to the Club's CreditApprovalPro© for a 100% transparent, free analysis and expert guidence before you request quotations.

Request For Quotation

This is how members efficiently avoid the brick-and-mortar cost of doing business with a physical dealership.

1. Be sure your member profile is up-to-date and submit a detailed request for quotation. You may be contacted immediately to submit more data online or with other instructions.
   
   
2. You will be contacted by a Senior Analyst who will verify your submission and discuss you particular needs and his abilities to fulfill them.
   
   
3. Your account is sent to Research Analysts who will search for vehicles matching your request, deal with any as well as finance and lease sources available to you. The Research Analyst may contact you for more information.
   
   
4. A full written report is sent to your Senior Analyst along with the researched data to prepare your full quotation. The Senior Analyst may send your account to the Club's committee, consult with experts individually, or simply send the quotation to you online.
   
   
5. Club online quotations are quite detailed and personalized. Members can interact to determine lease and or finance payment structures. Requests can be made for specific comparisons, consultation, etcetera. The quotation can be marked as "Not Interested". Subsequent requests can be made. Anything you conventionally do in a physical dealership and more, can be done virtually at the US Motor Club Quotation page.
   
   
6. When you decide on a vehicle, submit your application online, by telephone, or fax. Upon approval, you will be sent a "Go-Buy Order", which is an order from you to the Club / selling member to go to the auction and buy the vehicle for you, present it to you at your location in the condition so said and for the price agreed (contained). You agree to pay for that car by executing the contracts, the order, and an earnest money agreement is included and mandatory on all Go Buy automobile transactions to ensure the selling member of your performance. The amount of your earnest deposit varies around 10% for gold & platinum credit clients 33% of the purchase price for cash buyers. Earnest deposits are returned to the buying member within 5 business days of completion of the transaction.
   
   
7. Deposits and paperwork should be received by the selling member at least 24-hours before the vehicle runs at auction, so that a wholesale buyer can be obtained, equipped, and funded. If the buy is successful, the vehicle freight is arranged and the member is notified at the end of the sale day (EST). If we are unsuccessful, the buyer is notified immediately so the buyer may have the earnest deposit returned in full or leave it posted for a subsequent attempt to obtain the chosen vehicle.
   
   
8. You may pick your car up at a local affiliated auction, have it delivered to your home, a local dealership or another convenient location. A local delivery agent will handle the paperwork with you. Tag, tax, title, and registration will be handled by an affiliate dealership or the lender directly at the option of the US Motor Club. That affiliated dealer becomes the seller in all legal paperwork.

All important communication especially in reference to automobile transactions is done online unless you are not able to access a computer. Online communications is logged to reduce the cost of manpower and enable several people in remote offices to serve you better. If phone conversations are necessary, the selling member may record your conversations to be transcribed later (or any other legal purpose).

Some affiliated dealers require your inspection and acceptance takes place in their dealership for your ultimate satisfaction prior to shipping the vehicle to your location. The dealer will arrange and pay for your transportation in this event. Please let us know if this is an inconvenience for you and you wish to deal only with dealers that will direct ship without the extra step.

Request For Quotation

Many Americans are learning the best way to go is drive a classic or specialty car. The depreciation rate is slow so the payments are cool. The maintenance is not nearly as expensive as the current models because there are more able shops for the work. The status of driving one is imaginable.

For ASTON MARTIN, BENTLEY, FERRARI, LAMBORGHINI, LOTUS, MASERATI, PANOZ, & ROLLS-ROYCE please select the manufacturer from the drop down menu on the Request A Quotation page.

For LPO exotics - antique, classic, muscle and specialty vehicles, including custom work trucks - please use the Special Vehicle Quotation Form.

How do you compete with dealers, open your sellable market to the USA, afford to offer the lowest payment, and get your car gone in a jiffy? How long is a jiffy anyway? You join the US Motor Club to answer all these questions and more.

The software, financing and process to sell a member's personal vehicle through the Club is similar to the inequitable vehicle disposal program. The vehicle must qualify with our leasing company; can be no more than 5 years old by calendar year; have less than 76,000 miles and meet other requirements.

The member is not required to obtain a new/used vehicle from the US Motor Club selling-members after the sale. The selling-members of the club are responsible for working with the prospects so the member selling the personal vehicle can concentrate on your regular daily activities.

1. The US Motor Club accepts in depth information about the vehicle online: Auto Analyzer Pro©.
2. The information, coupled with research performed by the Research Analysts, is used to prepare and post a series of Internet advertisements and a Virtual Auto Salesman© page about the offer.
   1. The offer is for US citizens to bid on a custom made lease for the unit.
   2. There is a low (starting) bid which is based on the wholesale value of the disposal unit and a 'Lease It Now' payment structure that is based on the desired sales amount.
3. All leads are attached with a number that identifies which advertisement originated their interest. All leads are directed to the Virtual Auto Salesman© to collate prospective buyers/lessees for the vehicle. Trained and equipped selling-members monitor and work with the prospects:
   1. Nonevent shoppers are excluded at the threshold.
   2. Qualified shoppers who bid more than the starting bid but less than the payment needed to meet the desired amount are spun off to a similar vehicle at auction. When their transaction is complete, a fee is paid to the member selling their vehicle as a partial to the desired amount (in air). The 'Lease It Now' payment structure is adjusted (or not!) and the ads are posted again.
   3. Qualified shoppers who bid the 'Lease It Now' amount are allowed to write a fresh lease on the vehicle or assume a lease in existence.
4. If no qualified shopper ever presses the 'Lease It Now' button, the vehicle is eventually written down to a wholesale value and sent to the dealer-only auction for disposal.

So, the member gets the desired amount. Selling-members get plenty of new income opportunities. Consumers nationwide are attracted to lower prices, payments and fair repayment programs that keep them from inequity.

Individuals or companies seeking a business opportunity helping Americans get in and out of the automobiles should contact the Club: Business Opportunity.

Americans with or without auto sale experience seeking employment with the Club, a selling member, or an affiliate, should contact us about working on this team: Employment Opportunity.

Auto Analyzer Pro©

1. Fill out this form accurately: Sale-Lease-Back.
2. A complete quotation will be returned to you telling you exactly how much revenue you can create, what your lease payment will be, lease exit strategies, and a spreadsheet to project earned income of various investments.
3. Moving forward, an application is presented to you online. Once approved, a contract is sent to a delivery agent near you to watch over your authorization and make a rudimentary vehicle inspection.

4. Your check arrives within 5 business days of your return of the signed contracts.

You are now in a position to invest your cash and keep driving your car until it becomes time to trade. You can also put your car up for adoption at the Club to pass the lease to someone else, then obtain a better model through our auctions.

Sale-Lease-Back Quotation Request

1. Fill out this form accurately: Refinance/Convert-To-Lease Quotation Request.
2. A complete refi quotation will ensue which tells you about the best refinance and lease offers available for your circumstances. Lower rates, lower payments, better payoff structures.
3. When you decide to move forward, an application is presented to you online. Once it is approved, the appropriate paperwork is sent to a delivery agent near you to witness your authorization and make a brief vehicle inspection.

Refi/Rewrite Quotation Request

The US Motor Club is a charter-membership organization of Americans with alike interests and practices of obtaining our personal automobiles. The Club was founded in March of 2004 and incorporated Sept. 2005 with the sole purpose of lowering the cost of having an automobile and eliminating auto inequity, thereby enabling trade. The club web site also acts as an incubator/sandbox for hi-tech auto-biz software and procedures.

Generally, the US Motor Club is comprised of providers; selling-members, programming-members, lending-members; and members that are provided for - consumer-members. The purpose is to provide the lowest posible cost of automobile trading presented in a logical, timely, and efficient manner.

After 35-years of writing software for the world's largest banks and auto dealerships, we are convinced the solution to the financial crisis is enabling commerce with millions of American drivers who are currently trapped in ther personal vehicle by poor "auto-financial" practices.

Placing the blame is not part of the Club's agenda. We don't care, it doesn't matter. We are solution-minded. We know how the problems originated. We have developed a cure. Our mission now is to efficiently address the current auto-financial problems of a volume of upside/down U.S.A. drivers with the copyrighted programs, thereby enabling trade for a group that is at least twice as large as the number of drivers we helped directly. In the mix, we prove the value of such a campaign to traditional auto sales establishments and provide the software for them to perform in the same manner.

We have the knowledge, manpower, revenue, and the software sales tools to help consumers get out of negative equity trade-ins without a loss and without ripping-off anyone else. Sophisticated software is used on the sales end to eliminate all of the traditional costs, the errors and simultaneously improve satisfaction.

We provide each club member with a free in-depth Market Analysis© to identify their current situation and accurately demonstrate solid solutions for their consideration. Most every account is reviewed by a committee of auto-financial experts to develop a solid exit plan without a cost and without any contingent liabilities. Each member is also assigned to a skilled Research Analyst, provided with a free personal CarQueue©, and a free Virtual Auto Salesman© to describe offers on personal vehicles for sale to the public. We provide a host of selling, buying, leasing, disposal and refinance services described in other topics on this page. Currently, the first year club membership is also free.

Additionally, we offer simple-interest loans, and true-leases on fresh-priced, slightly-used vehicles from the vast wholesale "dealer-only" auto auction inventories. We provide you with a personal "driving plan" at a significantly lower cost so you can trade at virtually anytime in the future.

Please contact us for more information: US Motor Club Headquarters.

Online affiliates provide valuable services that allow every member to save money and get the vehicle they want. Selling-members have invested a significant amount in software, training and staff to make your dream car an affordable reality.

We also rely on nonmember affiliates to provide financial services, motor vehicle transportation, credit dispute services, vehicles, vehicle insurance, auction services, and a lot of other work that is germane to your automotive affordability - now and in the future.

Be assured herein, every affiliate and member service we recommend is provided under contract with the Club for the lowest known cost. The cost of any service or item, or collective costs, are all included in the price of your automobile. The only thing not included is any form of kickback or payment to the Club for your business.

All affiliates and system operators are trained by us at thier expense to design driving plans and to process automobile transactions for members. All Affiliates have signed an agreement with us to treat our members with the respect that they deserve and service each account in a timely manner without changes to the structure you approved.

Affiliates know that we follow-up each request and transaction to guarantee client satisfaction through direct email. Affiliates know that our tolerance for mistreating a customer, or violating a driving plan setup, is zero.

These are good, honest, qualified professionals with the manpower, tools, and know-how to help you get the best deal and set up the best driving plan for your future. Affiliates make it possible for us to provide low-cost automobile lease and finance plans to you on a personally designed basis.

Hey, how can you lose? Great deals! Great service! Great lease & finance plans! Get the facts & $ave!

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All quotations processed here are 100% compliant with the Federal Trade Commission (Regulations M & Z).
Published 1994-2003. Data served to intellectual property published since 1982-Copyrighted © 1997, Logic-Sphere . All rights reserved.

"Your personal transportation is your single biggest expense in life, whether you know it or not. Auto depreciation must be amortized at the same rate you use up your vehicle. A poor decision on a vehicle purchase, or how to pay for it, can start a chain of events that ruin your financial future."

Vehicle Pricing - We locate, inspect, and only buy cars and trucks at wholesale dealer auto auctions nationwide. We advertise in the most cost-efficient manor. We own the copyrights to the world's only used car finance/lease comparison software and the only write down disposal software that eliminates trade deficits. Our Internet technology and physical infrastructure eliminate sales commissions and all other costs common to physical and other virtual dealerships. We can simply sell cars for less... so we do.

Vehicle Availability - You can always get exactly what you want through the Club since our virtual inventory includes the pre-sale listings at the world's auctions nationwide. There are over one-hundred-and-twenty-thousand vehicles (120,000) listed each week. The wholesale auctions are the only place to get a vehicle where the condition is guaranteed. With us, there is no reason to settle for anything less than your dream-car.

Finance & Lease Plans - We have access to all of the best lenders nationwide. Our systems compare all offers from them and present only the best to you. These are premium banks and lending institutions with the lowest payments and most fair principaol balance reduction. We have access to lenders for most all grades of credit. Our volume allows for the best rates for our clients...

Accurate Information - We have the tools, unique computers, and know-how to prepare a quotation based on the facts that you have given us. Internet allows us an efficient method of communication that further reduces your cost. Each account is reviewed by long-time professional auto financial experts. You get all the facts up-front without having to spend days visiting a number of auto dealerships. No haggle, just pure information for you to make an intelligent decision...

Affiliated Network - Over the 35 years, we have developed strong relationships with auctions, service and inspection shops, franchised auto dealerships, transport truck companies, wholesale buyers, insurance agents, body shops, and other automotive industry entities. We have prearranged agreements with them to perform your transaction as we have set it up for far less than average profit.

Trade Disposal Services - Another way to save is to maximize the value of your trade before you get another vehicle. We offer both wholesale and retail disposal if your trade qualifies for a true lease. In either event, we will perform all negotiations and process all forms required. For retail, we will prepare your advertisements for you and accept all calls and applications. You can easily maximize your trade value in this manner especially if you currently owe more on it than it is worth.

Safety & Convenience - The vehicles that we sell are put through four rigorous inspections. We have developed a set of legal forms that guarantee the excellent condition of the vehicle upon delivery to you. All risk is removed. Unlike other online services, you don't buy the vehicle until you see it. This process is completed through the comfort and convenience of Internet and your fax machine at a fraction of the time and cost of dealing with a physical dealer. In today's economy with 1000's of dealerships, banks, and manufacturer's filing bankruptcy, it is nice to know you can make a transaction based on facts instead of trust.

Our Mission Statement - "To establish and maintain a portfolio of clients that are committed to a 'personal driving plan'. Their individual plan will span many vehicles, many lease and/or finance plans, and span each client's driving lifetime. This is to be built one transaction at a time, with the utmost consideration to flexibility and changes in the clients driving needs."

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If we have helped you save or make money, or helped you with valuable information or contacts, and you wish to make a donation please or to be directed to the donation page.

The US Motor Club is a charter-membership organization of individuals with a like interest of obtaining the lowest cost for their personal automobiles. The biggest donors are those that provide copyrighted software and those that donate hours of research work on each account to enable wholesale pricing and the best lease-to-own, finance plans in the USA.

The copyrighted software replaces the conventional car salesman, finance department, dealership, the cost of supporting a 500,000 vehicle inventory at wholesale prices. The software and accompanying patented procedures are customized by geographic areas. The Club keeps engineers and programmers on call for the constant rate, residual and policy changes affected by our national banks.

Research Analysts spend at least 44 minutes researching every vehicle after they find it for you. 8 vehicle studies are typically performed per vehicle. The administration and overhead costs of running the US Motor Club are minimized by their efforts. Senior Analysts use their personal relationships with bankers, auction personnel, and other important industry workers to obtain the best deal at the lowest cost. All for your benefit.

Typically 75% of every donation is passed on to those that worked on your account, 20% to the software engineers, and 5% to overhead and administration. Donations usually come from members who have just saved a ton of money buying or selling an automobile while using the Club services. We seldom, if ever, solicit donations. Iif your account has required an exceptionally large volume of work resulting in no transaction, a small donation may be requested.

All members receive the same great service regardless of the amounts they have donated. Naturally, the NetWorkForce™ members will choose to work on donating members' accounts first. It is surprising what twenty bucks will do.

"It's nice to hear your work is appreciated... But when a member proves their gratitude with a donation, no matter the amount, I become endeared to that person and a lasting bond is formed." - Lisa Powers, Senior Analyst