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Financial Expert Brad Bailey Explains How First-Time Buyers Can Approach an Auto Loan in HelloNation

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The article explains how affordability, credit history, and loan terms can help guide first-time vehicle financing decisions.

IDABEL, Okla., Sept. 29, 2026 /PRNewswire/ — How can a first-time buyer approach an auto loan? This question is answered in a HelloNation article featuring insights from Financial Expert Brad Bailey, CEO of Red River Credit Union (RRCU), which outlines the key factors that can help first-time buyers make informed financing decisions.

The article explains that purchasing a vehicle for the first time is an important milestone, but it often comes with financial decisions that can feel unfamiliar. For many individuals, an auto loan represents one of the largest financial commitments they have made. Understanding how the process works before visiting a dealership or lender can help reduce uncertainty and make the experience more manageable.

According to the article, one of the most important first steps is determining affordability. While buyers often focus on the vehicle itself, the total cost of ownership includes more than the purchase price. Insurance, fuel, maintenance, registration fees, and other expenses can all affect a monthly budget. Establishing a comfortable payment range before beginning the search can help a first-time buyer avoid financial strain after the purchase.

The article also highlights the role of credit history in the financing process. Lenders typically review credit history to evaluate how borrowers have managed financial obligations in the past. For a first-time buyer with limited credit history, this step may seem intimidating. However, the article notes that a limited credit history does not automatically prevent someone from obtaining an auto loan, as different lenders may offer different financing options and qualification standards.

Understanding how credit history affects financing can help buyers prepare for discussions with lenders. The article explains that a stronger credit history may help borrowers qualify for more favorable loan terms, while those with limited credit experience may be offered different financing options. Reviewing personal credit information in advance can provide valuable insight before beginning the application process.

Another important consideration discussed in the article is the down payment. A down payment represents money paid up front toward the purchase of a vehicle. While some auto loan programs may not require a down payment, having one can influence financing options. The article notes that a larger down payment reduces the amount borrowed and may affect monthly payments, loan terms, and overall financing costs.

The HelloNation article also emphasizes the importance of understanding repayment periods. Loan terms can vary significantly, and the length of repayment affects both monthly obligations and total borrowing costs. Shorter loan terms often result in higher monthly payments but may reduce overall interest expenses. Longer repayment periods can lower monthly payments while increasing the total amount paid over the life of the loan.

Comparing loan terms from multiple lenders is another recommendation highlighted in the article. Different lenders may offer different interest rates, repayment structures, and qualification requirements. Reviewing several offers allows a first-time buyer to better understand available financing options and identify solutions that align with personal financial goals.

The article further notes that monthly payments should not be the sole factor when evaluating an auto loan. While affordability is important, buyers should also consider interest rates, repayment schedules, loan terms, and the impact of any down payment. Looking at the full structure of a loan provides a more complete understanding of the total cost of financing.

Another key takeaway involves asking questions throughout the process. The article encourages borrowers to review loan documents carefully and seek clarification when needed. Understanding the terms of an agreement before signing can help reduce surprises and improve confidence in the final decision.

The article concludes that approaching an auto loan successfully begins with understanding the fundamentals. By evaluating affordability, reviewing credit history, considering a down payment, and comparing loan terms, first-time buyers can navigate the financing process with greater confidence and a clearer understanding of their options.

How First-Time Buyers Can Approach an Auto Loan features insights from Brad Bailey, Financial Expert of Idabel, Oklahoma, in HelloNation.

About HelloNation

HelloNation is America’s Good News Network, a premier media platform built on the idea that good news travels faster when real people tell real stories. Through its community-focused publications and innovative “edvertising” approach, HelloNation delivers content that informs, inspires, and spotlights the leaders making a meaningful impact in their communities.

www.hellonation.com

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SOURCE HelloNation

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Huntington Bancshares Incorporated Announces Third Quarter 2026 Earnings Call Details

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September 30, 2026

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COLUMBUS, Ohio, Sept. 30, 2026 /PRNewswire/ — Huntington Bancshares Incorporated (Nasdaq: HBAN) will release third quarter 2026 financial results prior to the market opening on Thursday, October 22, 2026. A news release and supporting financial data will be available at that time on the Investor Relations section of the Company’s website (www.huntington-ir.com).

The Company will host a conference call to review quarterly financial results at 9 a.m. ET.

Webcast Information

The third quarter 2026 earnings conference call, along with slides, may be accessed via a live Internet webcast in the Investor Relations section of Huntington’s website or through a dial-in telephone number at (877) 407-8029 or (201) 689-8029; conference ID # 13762987.

A replay of the webcast will be archived in the Investor Relations section of Huntington’s website. A telephone replay will be available approximately three hours after the completion of the call through Friday, October 30, 2026, at (877) 660-6853 or (201) 612-7415; conference ID # 13762987.

About Huntington

Huntington Bancshares Incorporated is a $284 billion asset regional bank holding company headquartered in Columbus, Ohio. A top 10 U.S. commercial bank, The Huntington National Bank and its affiliates provide consumers, small and middle-market businesses, corporations, municipalities, and other organizations with a comprehensive suite of banking, payments, wealth management, and risk management products and services. Founded in 1866, Huntington operates over 1,400 branches in 21 states, with certain businesses operating nationally. Visit Huntington.com for more information.

View original content to download multimedia:https://www.prnewswire.com/news-releases/huntington-bancshares-incorporated-announces-third-quarter-2026-earnings-call-details-302894994.html

SOURCE Huntington Bancshares Incorporated

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Media Advisory: Conference call for the release of the consolidated results of Quebecor Inc. for the third quarter 2026

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September 30, 2026

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MONTREAL, Sept. 30, 2026 /CNW/ — Pierre Karl Péladeau, President and Chief Executive Officer, Quebecor Inc. and Quebecor Media Inc. and Hugues Simard, Chief Financial Officer, Quebecor Inc. and Quebecor Media Inc. will hold a conference call on Thursday, November 5th, 2026, at 9:00 AM, following the release of Quebecor Inc.’s consolidated results for the third quarter 2026. Media are invited to access the call on a listen-only basis.

Conference call:

Quebecor Inc. reports third quarter 2026 consolidated results
Thursday, November 5th, 2026, at 9:00 AM,

Call-in number:   

1-800-990-4777 (North America)
Or 514-400-3794 (Greater Montréal area)

To join the conference call without operator assistance, please register and
enter your telephone number at the following address to receive an instant
automatic callback: https://emportal.ink/4gxxWlc 

Speakers:       

Pierre Karl Péladeau, President and Chief Executive Officer,
Quebecor Inc. and Quebecor Media Inc.;
Hugues Simard, Chief Financial Officer, Quebecor Inc. and  
Quebecor Media Inc.

Anyone unable to attend the conference call will be able to listen to an audio webcast available on the Quebecor website at https://www.quebecor.com/en/investors/conferences-and-annual-meeting until February 3rd, 2027.

The Company
Quebecor, a Canadian leader in telecommunications, entertainment, news media and culture, is one of the best-performing integrated communications companies in the industry. Driven by their determination to deliver the best possible customer experience, all of Quebecor’s subsidiaries and brands are differentiated by their high-quality, multiplatform, convergent products and services.

Québec-based Quebecor (TSX: QBR.A, QBR.B) employs more than 11,000 people in Canada.

Since its founding in 1950, Quebecor has been strongly committed to the community, in line with the values of its founder, Pierre Péladeau. Every year, it actively supports more than 400 organizations in the vital fields of culture, health, education, the environment and entrepreneurship.

Visit our website: www.quebecor.com 

SOURCE Québecor

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Commvault Achieves AWS Data Competency in Relational Databases Category

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31 minutes ago

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September 30, 2026

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TINTON FALLS, N.J., Sept. 30, 2026 /PRNewswire/ — Commvault (NASDAQ: CVLT), a leader in unified resilience at enterprise scale, today announced that it has achieved the AWS Data Competency in the Relational Database category. This designation recognizes Commvault for its demonstrated expertise delivering unified data architectures on Amazon Web Services (AWS), helping customers build the data foundations that power modern analytics and AI workloads.

Achieving the AWS Data Competency differentiates Commvault as a member of the AWS Partner Network (APN) with deep technical proficiency and proven customer success delivering data solutions on AWS. The Data Competency validates partners across the full data lifecycle—from databases and analytics to streaming, data engineering, and AI-ready foundations—reflecting how customers build and modernize their data architectures.

Commvault achieved the AWS Data Competency in the Relational Databases category by delivering cyber-resilient data protection for relational database workloads on AWS, helping customers securely protect, recover, and manage business-critical data across Amazon Relational Database Service (RDS) environments. Commvault solutions delivered via SaaS, software, or appliance help organizations protect Amazon RDS and Amazon Aurora with automated backups, point-in-time recovery, and immutable, air-gapped storage, reducing complexity while improving cyber resilience and recovery readiness.

“Achieving the AWS Data Competency in Relational Databases reflects our continued commitment to helping organizations get more value from their data while strengthening resilience on AWS,” said Brian Lanigan, Chief Partner Officer, Commvault. “As enterprises accelerate AI initiatives and modernize critical workloads on AWS, Commvault enables them to recover their data with confidence, reducing complexity and helping keep their information ready to drive innovation and business outcomes.”

AWS is enabling scalable, flexible, and cost-effective solutions from startups to global enterprises. To support the seamless integration and deployment of these solutions, the AWS Competency Program helps customers identify AWS Partners with deep industry experience and expertise across industries, use cases, and workloads to help grow their business.

Commvault holds numerous service validations, certifications, and AWS competencies, including the AWS Storage Competency and AWS Resilience Competency in the Recovery category.

To learn more about Commvault’s support for AWS, visit https://www.commvault.com/supported-technologies/amazon/aws.

About Commvault
Commvault (NASDAQ: CVLT) is a leader in unified resilience at enterprise scale. In a constantly evolving threat landscape, Commvault keeps customers ready by unifying data security, identity resilience, and cyber recovery, on one cloud-native, AI-enabled platform. Customers trust Commvault to conduct the fastest, most complete recoveries – not just their data, but their entire business. Purpose-built for the agentic enterprise, Commvault also enables organizations to safely embrace AI while protecting against AI-driven threats.

View original content to download multimedia:https://www.prnewswire.com/news-releases/commvault-achieves-aws-data-competency-in-relational-databases-category-302894615.html

SOURCE COMMVAULT

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