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Even With Slow Credit, You Can Qualify for a Car Loan

Shopping for a car should be fun and exciting. If you have credit issues, you may be dreading the experience. We want to help you get a car loan so you can have reliable transportation. Our dealership specializes in assisting consumers with credit problems. Slow credit car loans are available, but you will need to be prepared before you come in.

We believe everyone needs a chance to fix their credit. Often, the financing options for people with slow credit involve having the payments automatically taken out of the account before the actual deadline. With steady income and a bank account, you may qualify for more car than you thought possible.

Taking the time to look at your credit and fix the errors before you apply for financing is a good idea. If you are not under a time crunch to purchase a new vehicle, spend 3-4 months making payments on time to improve your credit. If you can’t wait, work with our dealership to find the right financing.

Before you shop for cars, get pre-approved for the right financing. Then you will know exactly how much you have to spend on your car before you shop. Our professional sales team will help you find the right vehicle to meet your needs and stay within your budget. You can test drive as many different cars or trucks as you choose.

Slow credit car loans that are automatically deducted from your account will improve your score over time. After a year of regular payments, it is possible to get refinanced with lower interest rates or into a better car. Don’t let your poor credit keep you from getting the vehicle you need to get to your job. Let our dealership help you find the financing so you can rebuild your credit.

Bring the fun back into the experience when you are assured you will be able to afford the vehicle you’re test driving. Find the right financing company by going through our dealership. We have many options for slow credit car loans. We want to give you the chance to fix your credit and drive the car you want.

3 Questions You Should Ask When Looking at Used Cars

Some people are car aficionados and know everything there is to know about used cars. For the rest of society, there are a lot of questions that come with purchasing a pre-owned vehicle. If you’re looking to save some money by getting a car that’s already had an owner or two, here are three questions that should definitely be posed to the dealer.

How Is the Car Equipped?

When you’re going through all the bells and whistles that come with your new vehicle, it’s hard to keep track of everything. If you start by asking what amenities are included right off the bat, you can check things off your list and be sure that you don’t drive off the lot in a car that has no A/C and no power windows. A lot of these things are easy to spot, but some might not be apparent at first glance.

Has the Car Been in an Accident?

Even if the exterior is dent free and you don’t notice any problems when you go for a test drive, it’s a good policy to find out if a car has previously been in a wreck. That will help you to know which parts have been replaced and why the previous owner may have decided to part with the car.

Is There a History Report?

If someone outside your family is selling a car without a history report, you probably don’t want to buy it. Most used cars come with certification and full reports nowadays. However, if a seller is just offering his or her word that the car is in good shape and hasn’t had any problems, make them prove it with a detailed report.

If you don’t ask the right questions, you might buy a bad car. When customers know the facts about the used cars they’re looking at, the purchase becomes a much safer bet.

What You Need to Know About Financing Used Cars

Buying a car is an exciting experience. The process of obtaining financing, on the other hand, is less joyful. We want you to consider these aspects about financing used cars so that your experience can be a good one.

Obtain Your Credit Report

Before trying to get financing you always want to obtain your credit report. Be sure to check it for errors and report them should you notice any. Your credit report can also help you identify aspects that you are able to improve, such as paying off some debt. Improving your credit score is helpful for getting a better interest rate.

Decide on the Budget

Reviewing your finances helps you figure out how much vehicle you can or want to afford. Take into account any fluctuating, fixed and unexpected expenses, such as fuel, insurance and maintenance. If you don’t care about make and model of the vehicle, you are more flexible in finding a car that fits your budget.

Know Your Financing Options

Contact your house bank for a direct loan. Often times they offer competitive rates for their customers. In addition to that reach out to local banks, credit unions and online lenders. The latter can be a good option if you have a bad credit score and credit unions are known for offering great loan terms. The car you have your eyes on must be able to meet the bank’s basic requirements. Get offers from multiple lenders to find the best rate.

You can also obtain financing through your car dealership. This is a smart choice if you are not keen on one specific vehicle. Most dealerships finance any vehicle on their lot, which opens up your options for getting a great deal. Furthermore, many dealerships offer financing for people with bad credit. It is recommended to put down some money in order to get the best interest rate. This is also important because cars depreciate in value and you don’t want to owe more on it than it’s worth.

Being smart in regard to financing a car can get you a great deal. Be sure to bear in mind these aspects about financing used cars.

Reasons You Should Buy a Used Car

The idea of a brand new car is exhilarating, but for most people, used cars are more budget friendly and just make more sense. If you aren’t convinced that a used vehicle is the right choice for you, then you need to keep reading. We’re going to show you why buying used can be the best decision you make.

More Options

Buying used gives you a range of great options. Because prices are more affordable, you are able to look at vehicles you may never thought you could afford. This includes luxury designs and larger vehicles, like SUVs and trucks. In addition, you can get a lot of features for your dollar. You have the opportunity to buy the vehicle you really want instead of having to settle for only a couple options you can afford. This really opens things up and allows you to look at a range of vehicles you might not have even considered an option.

Reliability

One of the best things about buying a used car is that they generally come with all the “kinks” worked out. This just means that any manufacturer issues have often already been caught and fixed by the time you get the car. So, you get a nice peace of mind.

More for Your Money

In the past, buying used was often a gamble because cars really had a set life time. You knew if the mileage was at a certain point that there was a certain amount of life left in the vehicle. That is not really true anymore. Cars last longer. So, buying a used one really isn’t sacrificing too much. You will likely get more than enough acceptable life out of any vehicle you buy.

Before you completely write off buying used cars, take a minute to think about the reasons you should buy one. Used vehicles aren’t at all the stereotypical broken down, worn out vehicles that may come to mind. They really are great cars that have a lot to offer.

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