3 Mistakes to Avoid When Trying to Get Bad Credit Auto Financing

If you have bad credit, you may assume that purchasing a new vehicle is out of the question. It’s not. Many lenders offer bad credit car loans to people with low credit scores. Though the rates are higher than traditional auto loans, they are ideal for individuals who need a reliable vehicle but who cannot spend months fixing their damaged credit score. With that said, there are three mistakes to avoid when financing a vehicle with bad credit:

Providing Wrong Information

Too many people over exaggerate their income and downplay their expenses to achieve better rates. Don’t do this. Dealerships are meticulous when it comes to checking a person’s information. They want documents verifying income, bank statements verifying expenditures and a list of references. If you somehow slip through the cracks, you’ll be stuck with a loan you can’t really afford, thereby risking your credit score even more.

Underestimating Your Creditworthiness

Don’t just assume that you have bad credit. If you’ve been working on building your credit through secured credit cards, you may have better credit than you though. Check your credit score before heading to the dealer. If you go in blind, they get to define your creditworthiness, and they might not be honest about the information they turn up. Get copies of your reports and research what others in your score range are qualifying for to avoid having a fast one pulled over on you.

Overextending Yourself

Longer bad credit car loans might seem ideal because they come with lower monthly payments, but they may end up costing you more in the long run. If the vehicle’s total combined with the high-interest rates mean that you need to increase the term just to afford the payments, you cannot afford the car. At this point in your life, you don’t need a nice car—you just need a car to get you from point A to point B.

Bad credit car loans are a great option if you need transportation today and cannot wait until your credit score has been restored. However, be careful when working with bad credit lenders, and use the above advice to obtain the financing you can reasonably afford.

Four Compelling Reasons to Buy Used Cars From Dealerships

There are a lot of things that might make people worry about purchasing cars from an individual they don’t know. You don’t really know how the vehicle has been treated by that previous owner. You can’t be completely confident that the car will continue to run after you’ve handed your money over. You also have no guarantee that the vehicle hasn’t been doctored in some way to make it appear like it’s in great shape when it’s really a lemon camouflaged to look like a peach. You really face quite a few risks when you purchase used cars from private individuals. This isn’t the only reason to come into our dealership when you want to buy a previously owned automobile, though.

One of the biggest benefits to buying used cars through dealerships is the resulting access to knowledgeable professionals who can provide repairs and maintenance for the vehicle, long after the transaction has been completed. If you aren’t handy with the mechanical aspects of automobiles, then you will need to have a reliable shop. You can rest assured that this technical knowledge will be put to good use even before you make a purchase. Dealerships have technicians employed to inspect vehicles, identify problem areas, and resolve those issues before the cars are put up for sale. Another great reason to buy through a trustworthy dealership is the potential for some significant time savings. Who really has time to go through the newspaper (or multiple papers) reading through all of the listings offering vehicles for sale. Once you’ve narrowed down the choices, the hard work has just begun. You’ll have to phone or visit each of those sellers, test drive the vehicle, and go through negotiations just hoping that you’ve made a good decision. How much simpler is it to browse through a large selection of quality used vehicles at one location? If financing is offered onsite, then you’ll be in and out after a few hours rather than several days.

Onsite financing is the third wonderful advantage to working with a dealership. In some cases, there will be professionals available who can help buyers with bad credit or no credit. This is a great boon to many individuals who don’t have enough cash on hand to buy a vehicle outright. As many borrowers have suffered financially in recent years, those professionals who specialize in bad credit loans will be especially welcome.

Finally, dealers have a vested interest in making sure that customers are satisfied at the end of the transaction. When private individuals sell used cars, they may never have to see the buyer again. When a dealership makes a sale, their reputation is at stake. If they want to continue doing business in the community, then they need to be sure that their services are professional, reliable, and respectable.

Why Car Loans Are a Better Choice Than a Lease

The car-buying process can be a challenging one. Not only do you need to pick out something that will suit your needs, but you also must find a dealership with the right selection and with good customer service. Once you’ve accomplished these thing, then it’s time to decide whether to lease or finance your new car. Financing offers many benefits that you won’t get with a lease.

Sell When You Want

Have you ever purchase something you thought would be great, but it turned out you didn’t care much for it? If you grow to dislike like your car, if you have a loan, you can look to sell it to someone else. However, with a lease, you must keep the car until the lease is up. Car loans offer this flexibility and freedom.

Rack up the Kilometres

While some people own multiple cars and can keep their mileage down on individual vehicles, if you only have one car, it’s likely that you’ll use it for all of your needs and put a lot of mileage on it. If you’re in this boat, a lease isn’t your best choice. When you lease, your dealer will put a cap on the total number of kilometres you can drive per month or year. On the other hand, financing a new car allows you to drive all you want without penalty.

Modify Your Vehicle

When you buy something, it’s nice to make it look and feel like you and to give your unique personality. You can do this with car loans because you’re free to make any changes or additions to the car you see fit. Whether you want to add custom wheels or add a lift, you’re fee to do so. You can’t do anything to your leased vehicle.

If you’re having trouble deciding whether to finance or lease, consider these pros to getting a loan. Get one today, and you’ll get the car you want.

Finding the Right Mechanic

When faced with car troubles or the preventative maintenance to combat them, choosing your mechanic can be a very important decision. For those who love their cars, there are certain criteria that their auto repair company should meet. Here, we have trained professionals who look out for the customers’ needs before anything else, and provide wonderful customer care as well as great car service. While our dealership might be one among many, there are a few key features that help to set us apart from the rest.

Servicing Any Brand

There are dozens, perhaps even hundreds, of brands of cars on the market today, and our company provides great car service for them all. With our well-trained mechanics, customers can rest assured that their car is receiving the best specialized care available for their particular make and model. Older cars and new ones alike have special needs, and here we have the tech and know-how to cater to them all.

Check Credentials and Certification

Before taking your car or truck to any mechanic, the owners should be sure to check that the company and mechanics both meet the professional requirements to provide great car service. All of our mechanics here are certified and have the experience required to handle nearly any automobile-related issue that they are presented with. If a potential customer needs further convincing of the professional nature of the company, they are free to look on any number of comments from previous clients on review websites as well as the Better Business Bureau in order to confirm that our customer service and knowledge of vehicles is up to par, and that we treat our customers as valuable parts of our company.

While our business might be one car repair dealer among many, this is not a case of “a dime a dozen.” We offer professional services and treatment along with a hassle-free experience that is unparalleled by surrounding competitors, and have just the right mechanic for any customer or car thrown our way.

Bad Credit? Don’t Worry.

It is hard to afford a car these days without getting a loan first. However, sometimes people struggle to get car loans based on their credit score. You may have had something happen that ruined your credit, or you may not have much of a credit history and this may be your first car. We believe that this shouldn’t stop you from getting a car that you may desperately need.

With today’s lifestyle, getting a car is a must for a lot of people in order to get to work or even something as simple as going to the grocery store. This is why, even with less than ideal credit, every person who needs a car should be given the chance to get a loan and prove that they will pay it back. After all, if the problem with your credit is that you haven’t had enough money to pay your bills, that isn’t going to get better if you can’t get to work due to not having a working car.

Some people with no credit or bad credit may also run into a problem where the only people willing to lend to them want them to pay astronomical fees or they will lend very little money where you almost can’t afford the car. We don’t believe in that, and will work with you to find a lender that understands your situation. Being a car dealership, we know a lot of places to get car loans, and every lender is different in how they deal with situations involving credit.

Don’t let the fear of being rejected due to your credit stop you from pursuing your car. Although the situation may not be ideal, we will find you something that you will be able to get a loan for without paying high fees or settling on a car you don’t really want due to your credit score.

Tips for Buying Your Teenager a Used Car

When your teenager reaches driving age and wants a car, you will probably have many decisions to make. Not only will you have to compromise with your teen when it comes to what you will pay for and what make and model is acceptable, you will also have to consider which used cars are the safest for him or her to drive. If you’re ready to buy your teen a car, we’re here to help with a few tips that might make the processes easier.

Think Simplicity

While your teenager probably has a make and model already in mind, you may want to make some boundaries clear before you start browsing used cars together. Not only will price be a factor, but it can be expensive to insure teen drivers as well. Their age and inexperience make them a considerable liability to many insurance companies, so choosing a no-frills vehicle may help you save money.

Do Your Homework

While we can help you choose a safe used car for your teen, it might also help if you perform some research on your own before you visit our lot. Take the time to discover which used cars have the best safety ratings, which ones have additional safety equipment that might keep your child safer and which are the least expensive to operate. The more you know before you begin to look at individual cars, the easier it might be to arrive at a decision.

Prepare Your Teen for Test Drives

Even if you will be doing much of the legwork and putting up the cash for your teen’s car, you may still want to prepare him or her for what will be involved with test driving vehicles. Teach them what to look and listen for and help them prepare a list of questions to ask our sales associate for during and after a test drive.

Buying your teenager his or her first used car doesn’t have to be a headache. Compromise, research and careful planning can all ensure a more enjoyable buying experience for you both.

Used Trucks Are Available in Many Styles and Sizes

It’s time to hit the road for a trip, but you’ve known for quite awhile that your current truck needs to be replaced. The days of its sleek finish are long gone, and it is hard to hear the radio thanks to the loud engine noise. You may have a lot of questions about your new set of wheels. We have the answers you need. Visit our dealership, and you will find a plethora of used trucks. We will help you pick a truck that fits your lifestyle and budget.

Before you visit, there are a few questions you can ponder. Think about how you will use your new vehicle. Will you need a compact truck, a mid-size truck or a full-size truck? A compact pickup truck might be right for you if saving money on gas is important. Compact trucks usually get better gas millage than larger sizes.

Do you need to be able to tow equipment or a boat? With a compact truck, you will be able to tow about 3,000 pounds. This truck can handle most boat towing tasks. If you have a larger boat, you may want to upgrade to a mid-size truck or a full-size truck.

Will you and a bunch of friends be heading to the lake for a fishing trip every weekend, or do you usually travel alone? It’s important to determine the amount of seating you will need in the cab section. A standard cab offers either one long bench seat or two bucket seats. It does not offer a second row of seating, but there is room for storage behind the seats. An extended cab offers a row of seating behind the front seats. This design offers either jump seats or a bench seat.

Most of our sales representatives have many years of experience selling used trucks. They are knowledgeable, friendly and will work hard to find you the right vehicle. Visit our website or call the dealership to learn more about what we have to offer.

How In-House Used Car Financing Can Benefit You as a Student

If you need a quality used car to get to your college or university classes and to your part-time job, your limited credit history may result in a low credit score. However, there are several alternative to traditional loans, such as bad credit car loans and in-house financing. In fact, as a student, in-house vehicle financing may benefit you, and we’re here to show you how.

More Loan Options

Used car dealerships that offer in-house financing often have a variety of loan options available that you may not be able to get from a lender that is more demanding. While you may not get the best interest rates, many dealerships are willing to work with students that have a limited credit history. It’s a good idea to learn about more than one type of loan from your dealership before you settle on one that meets your budget.

Convenience

A full load of classes, work and family obligations probably keep you busy all day, every day, so paying for your car in a way that is convenient is probably going to be important to you. In-house financing means you pay the dealership directly, so you can drop payments off on the way to or from school or even after your evening class, since some dealerships are open in the evening. Making your payments on time and in a way that is simple can help boost your credit score and enable you to keep your daily schedule flowing.

A Chance to Build Credit

As a young person with limited credit options, using bad credit car loans and in-house financing can actually improve your credit history. As you make payments and work toward meeting your loan’s requirements, you might see your credit score climb. Using in-house financing can start you down the path to building an excellent credit score for the future.

Owning a quality used car can make life as a student much more convenient. If you have a limited credit history, then using in-house financing might help this goal within reach.

Understanding Which Car Is Right for You

When you start shopping for used cars, it quickly becomes apparent that you have plenty of options. With makes and models from every year imaginable, it’s easy to get overwhelmed and go with the first car within your price range. Instead of caving too early and not getting the best deal, you should learn more about how to shop for a preowned vehicle that will actually work for you.

Short or Long Term

Is this a transitional car or something you hope to drive into the ground? If you need this car as a short-term replacement, sticker price and fuel efficiency are probably your biggest concerns. Think about how long you’ll actually have to use the vehicle, and then assess which features you can live without. If this is the car you’ll be driving for the foreseeable future, the amount you pay upfront should matter less than how long the car is expected to last. A little extra money at the outset is well worth it if you get another five years out of the vehicle.

Exterior or Interior Issues

Both the inside and the outside of the car are important, but you need to focus on what is actually selling you on (or turning you off of) certain used cars. If you can get a good vehicle at a good price and the only thing giving you pause is the color, is that an issue you can overcome? Remember that cars can be repainted, and perhaps you can make it a goal to save up for a color change. Similarly, is a cosmetic issue with the interior enough to make you look past a good deal?

When you really look at the used cars in your area and try to think about how you’ll feel once the novelty has worn off, it becomes easier to identify your real needs. Make sure you put in this effort when you start shopping around

Assess Your Needs for Optimal Selection of a Used Car

Walking onto the lot and looking at all of the choices of used cars you could buy, is equal parts exciting and overwhelming. There are so many important factors that go into choosing the perfect vehicle including your budget, the make and model, and even cosmetic things like the exterior color. However, assessing your needs is a critical step to take when narrowing your options. We hope to help you make the best decision by offering these suggestions for things to think about when selecting a new vehicle.

Cargo Space

Cargo space is the area you have to fill with various types of freight. This could be anything from groceries, to a stroller, to hiking and camping gear. For many buyers, cargo space is an important aspect to consider especially when the vehicle will serve as a mode of transportation for a family.

Fuel Economy

Long distance commuters are often inclined to look for used cars that have a considerable fuel economy. This gauge helps define a car’s ability to be efficient when traveling on the highway, especially during periods of heavy traffic. If you are looking for a commuter car to take you to and from work each day, fuel economy is an important factor you may wish to consider.

Safety Features

Many individuals with children seek vehicles that have certain safety features including child locks and back-up cameras. If there are specific features you wish to have in your vehicle, tell us about them and we can show you the used cars we have that meet these expectations.

Driving Conditions

Where do you drive and what is the weather like? Do you drive in a lot of stop-and-go traffic? Do you live in a place where ice and snow are prevalent? These factors are important to think about when making your selection.

By considering factors such as those listed above, you can have a solid idea of the kind of vehicle you want to buy. We are eager to show you our selection of used cars and to help you find something that is perfect for you.