Quick Guide to Getting Financing

When you are negotiating an auto deal, it can seem like you are spending an eternity at the dealership haggling over price, negotiating conditions, and going over tedious legal documents. By being prepared, you can make things easier on yourself. From the test drive to the used car loans

Proof of Identity

Make sure you bring your identification with you. Most dealerships won’t let you even test drive a car without a valid driver’s license, and when it comes time to set up title transfer and loan documents, it is essential that your name and personal information is accurate.

Credit History

The types of loans you qualify for depend on your credit. Know what your credit score is and what is on your credit history. Expedite the loan process by pointing the finance department in the direction you need them go.

Proof of Income

A lender needs to see that you can make payments. Expect the dealership to insist on seeing verification of your income at some point. Having your paystubs or account statements with you.

Proof of Residence

This is important for two reasons. Registration documents need to be prepared accurately, and lenders will want to know where you are going to be storing the car. Proof of residence requires more than just the address on your driver’s license. It is often necessary to show a utility bill with your name and current address. You may also be asked to provide a list of personal contacts and references.

Trade Documents

If you have an older vehicle that you are trading in, bring the registration and title documents. Be ready to release ownership of it right away.

Proof of Insurance

In order to drive away from the dealer’s lot, you will need to have insurance. Bring your current proof of insurance. If this is your first car, or you are purchasing insurance for the first time, be prepared with the contact information of your insurance broker.

Down Payment

Be ready to make your first payment. Most dealers will accept a variety of payment options, but most prefer certified checks or credit cards. Personal checks may also be accepted. For the high sums of money in question, cash is not always a good idea.

Save yourself some time at the dealer. Be prepared, and bring all of the things you need with you to expedite your used car buying experience.

Find Your Quality Used Car Here

Shopping around for used cars is an exciting time for most people, but it can also be stressful and confusing. How are you sure to find the best deal? What if the car you’re considering has problems you don’t know about? Will you be pressured to buy a car before you’re ready? Fortunately, the knowledgeable staff at our dealership is qualified to answer these questions and more that you may have. We’re happy to walk you through each step of the used car buying process, whether you’re ready to make a purchase or just looking around for now.

What about pressure?

High-pressure tactics are one of the things that intimidate a lot of people looking for cars, even if they’ve bought a car before. Our sales team is against these types of tactics that only make potential buyers feel uncomfortable and give them a bad feeling about the car buying process. Instead, we want to make you feel comfortable and welcome at our dealership. We will spend the time to show you cars you’re interested in and answer your questions, but will never make you feel like you’re required to make a purchase.

Are our used cars reliable and in good condition?

Our experienced mechanics take great pride in the work they do on each car that comes into our lot. We never sell a car with known issues to customers – each vehicle on our lot is thoroughly inspected and repaired before becoming available, so you know you’re driving off with a car you can rely on. If on the off chance an issue does arise, we will do everything we can to make it right.

Come into our showroom today and ask us to show you around. We’ll be happy to give you a tour of the many quality used cars in our stock, as well as discuss affordable financing options. We’re prepared to answer any questions you have. You’ll soon discover why we’re known for making the car buying process enjoyable and easy for all our customers.

Bad Credit Won’t Ruin Your Dreams of Car Ownership

Having bad credit can easily make you feel like you cannot get ahead in life. It seems like almost every big purchase you would like to make is determined by your credit score, and that your options are extremely limited. When you are looking to buy a car, but worry about your credit, do not give up home. There are several options available in regards to getting bad credit car financing. Here are a few details about what to expect when you decide to finance in this way.

The Score

Your credit score plays a role in your financing plan, but it will not always prevent you from being able to take out the loan you need. In fact, dealerships offer customers specific financing plans so that they can purchase a vehicle even if they have a history of poor credit. The interest rates on these loans tend to be a bit higher, but they are still quite manageable. There are also several ways to make sure that the payments you will make do not cripple you along the way.

The Payments

In order for you to see lower payments over the duration of your bad credit car financing, there are several things that you can do. One of the best ways to lower the amount is by putting down a bigger down payment. Many finance experts recommend a down payment of around twenty percent. While this might not always be possible, getting close to that percentage can make a huge difference.

The Plan

Another way to go about the process of financing your used car is by coming up with a solid plan. Look at your income, how much you spend each month on your necessities like rent and food, and see what you logically can afford in payments. This will help you to pick a car within your budget and take out a loan that will not be difficult for you to make regular payments on.

What You Need to Know About Bad Credit Car Loans

Many people end up with bad credit at some point. While you may be working hard to make your credit score excellent again, you may want to purchase a used car right now. Dealing with bad credit car loans is enough to frighten anyone, but by familiarizing yourself with the terminology first, you can be confident you are getting a quality deal.

Credit Rating

Your credit score is influenced by your previous purchasing history. You can learn what your score is from various credit unions. Ultimately, your score influences what the interest rate on a car loan is. Higher scores show that you have been more responsible with money, so you can qualify for lower rates.

Loan Term

The loan term basically signifies how many months you will need to pay a dealership until the vehicle has been paid off in full. Different terms can be available. For example, you can agree to pay more every month and the overall term will be shorter. Conversely, you can agree to stretch bad credit car loans out if that would work better for you financially.

Down Payment

Most dealership, will require you to provide a down payment. This means you offer a certain amount of money now in order to show you are serious about eventually paying off the car in full later. We have zero down options.

Extended Service Contract

In addition to buying the used vehicle, you may also want to think about getting extra add-ons. An extended service contract is basically a warranty that comes with your vehicle, ensuring that it will continue to function optimally for a given amount of time.

You should never feel lost when you are in negotiations for bad credit car loans. Understand everything you are reading on a contract, so you do not end up agreeing to something you do not fully comprehend.

First Time Car Loan Budget Tips

Buying your first car is an exciting time in your life that you more likely than not want to share with other people. It’s not surprising that you might feel proud of your accomplishments by this time. Your car buying experience can be made more practical by basing your purchase off of your budget. A professional auto dealer can also help you to secure financing based on your budget, so keep the following tips in mind to get the right financing.

A consideration a first time car buyer needs to make is how much the car could cost in repairs. A person needs to establish an accurate budget in order to ensure that all bills, especially car loans, get paid, and car upkeep should most likely be a part of that calculation. A car dealer might be able to help a first time car buyer understand which cars are projected to need what amount of repairs. A person trying to buy a car could think about asking a dealer for assistance if that person wants assistance in understanding the different types of cars.

Another helpful technique for you to use when thinking about how to pay for your first car is to define what kind of car you need. A person’s requirements can vary from region to region, block to block. The roads near you may prove difficult during the winter months, so you might prefer a more rugged car. Alternatively, you may be struggling to find parking space in the city and therefore opt to find a smaller car. These are two examples that can both help you brainstorm about the kind of car you need. Then you can base your budget for your car off of your projected needs.

Then all that is left to do is visit the dealership and try out the car. Once you confirm that it is the right car for you, the dealership can help you with the details of getting your car loan based on your budget.

The Benefits of Buying Used Trucks

Trucks can be expensive. If you need a solid vehicle that can carry your equipment and handle rough roads, you may want to buy a truck, but feel unsure that you can afford such a large purchase. Why stress about financing a brand new vehicle when there are so many benefits to buying used trucks?

Whenever a vehicle is driven away from its dealership, it begins to lose value. This does not mean that the truck itself becomes less strong or sturdy. However, it does mean that a used truck can a great deal. You can purchase a well-maintained used truck and drive it for years and years without breaking the bank. Many people today are trading in their trucks for smaller vehicles, so the used truck market is probably in your favor.

Trucks are generally tough vehicles that can withstand wear and tear. If you work, live, or frequently drive in dusty, dirty, bumpy areas, you may not want to spend a lot of money on a vehicle that will inevitably be roughed up. It can be stressful to worry about dings and scrapes on an expensive fender or pain job. Used trucks are a great option because they can easily navigate rough roads, but you don’t have to spend a fortune to buy the reliable vehicle that you need.

If you frequently take your truck off-roading, you may want to make modifications to your vehicle so that it can perform at the highest level possible. However, many people do not want to perform extensive modifications on a brand new truck. If you buy a used truck, you can add modifications, such as lift kits, shocks, or springs, without worrying about voiding your warranty. An older vehicle can be a great canvas for your dream off-roader.

If you need a reasonably priced vehicle that can get your where you need to go, even if you need to drive through a construction site with heavy tools or head into nature, used trucks can meet all of your needs.

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.

Buying used cars is a great way to get a vehicle at a good price. Many people find that they may not have the cash to buy the vehicle outright, which is why financing the deal is a good idea. Dealerships like ours will often work with buyers in order to get the price right, but there are several things consumers can do to make sure the deal works for their budgets.

Before even stepping into a dealership, potential buyers should be familiar with their credit reports. In many cases, there are errors on the report that can hurt someone’s credit score and thus the interest rate on the loan. Consumers should always dispute an error to make sure they are going into a potential loan with the best credit score possible.

It is important to pay attention to the total loan amount rather than just the monthly payment. The monthly payment is easily determined by dividing the total loan amount by the terms of the agreement. Focusing just on the monthly payment could mean getting a bigger loan spread out over a longer period of time.

Having a car as a trade-in or putting money down is another good way to lower the borrowed amount. Many dealers enjoy working with buyers who can offer collateral upfront, which in the end could mean getting a better deal.

Lastly, buyers should always be clear on the fine print. Before agreeing to anything, a consumer should know the loan term, interest rate, monthly payments and down payment. If a lender states that the financing is conditional, it is best to wait to agree on anything until all the details have been finalized.

Consumers who want to get a great car at a good price can easily do so by browsing used cars. They should always have a good idea of their credit scores and how to negotiate a better loan deal by putting down money and focusing on the total loan amount. Taking these steps will help ease the financing process.

Tips for Selecting that One Perfect Vehicle

The world of car shopping can involve quite the range of emotions including excitement, stress, confusion, and anticipation. The contributing characteristics that will play into choosing the perfect vehicle for a person will obviously vary from individual to individual. As you prepare to begin shopping for this exciting and necessary investment, remember to take the time to consider these basic tips before looking at our wide selection of quality used cars.

Budget

While a vehicle is one of the more necessary requirements in the lives of many people, it can also be one of the most expensive. Perhaps you are overwhelmed by the rumors you have heard of people having a difficult time coordinating financial needs with payment plans, interest rates, and the whole process of trying to get approved. Fortunately, we have gone to great lengths to facilitate this process to make it a bit easier and less intimidating. Once you have determined how much money you have available, it is time to come look through our inventory to determine which cars will meet your needs.

Preference

A person’s own preferences are one of the largest indicating factors of choosing one vehicle out of many used cars. Things such as color, amenities, accents, and operational components may all play into your personal preference when looking for a vehicle. You may find it helpful to compile a list of these things beforehand so you have a visual of the kind of product you want when you begin to shop.

Usage

Maybe you are a bachelor looking for a sporty car to go along with your new job. Perhaps you are a working mother who needs that perfect vehicle to transport children between various activities. Looking into the reason you need to buy a vehicle may help you to make a smarter selection, as well as choose a car that will offer efficiency and convenience.

When you work with any one of our reliable salesmen, you can receive detailed information regarding the vehicles we have for sale. Before you begin looking through our great selection of used cars today, be sure to think about your budget, personal preferences, and reason behind buying a new vehicle.

3 Ways Dealers Help You Find the Perfect Used Car

Despite popular beliefs, seeking the assistance of a dealer while searching through the multitude of available used cars is a smart move which any budget-conscious buyer should consider when in the market for a ride of any shape, size or brand. There are many ways in which using our dealership for assistance throughout the shopping process makes the whole experience simpler and much less stressful, but the top three include:

We Offer a Larger Selection

Whereas you may have to drive hours to view a single car when shopping among private sellers, our large selection of vehicles gives the ability to view many new cars at once, increasing your chances of finding the perfect used car quickly. This saves you time, money, and plenty of energy with which to enjoy your newly-purchased ride after the decision has been made.

We Offer Financing Options

In most cases, even used cars have financing options available for buyers of all backgrounds. This means that you won’t be restricted to one or two cars on the lot that fit within your immediate budget. Together, you and our expert staff members can work out a payment plan for practically any of our used vehicles, expanding your opportunities and helping to ensure you find the right car for your needs.

We Offer Quality

Aside from offering an excellent quantity of vehicles, we always ensure that our used cars present quality under the hood as well. Before selling cars to customers, we inspect the vehicle and make repairs as necessary to ensure you’re getting what you pay for: a reliable ride that’ll get you from one place to another without a hassle. When you find the right car, you’ll never have to worry about it being a lemon.

These are just some of the ways in which we can help you find your perfect used car and get you on the road again in no time. Check with us to learn more about your options.