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Explore Financing Before You Start Vehicle Shopping

Once you determine which dealership to get your next vehicle at, talk to them about their financing options before you start to browse the vehicles on the lot. This is especially important if you have bad credit because it allows them to look specifically for bad credit car loans that they may offer in house.

Know What You Qualify For

If your credit is not great, the dealership financing options could be more limited compared to a shopper with an excellent score. When you talk to the finance department first, they can run your information and crunch the numbers. This gives you a better look at the total loan amount you may be able to get. Once you know this, you can stick to looking at vehicles at this price or lower on the lot.

Clean Up Your Credit or Get a Cosigner

If your credit situation means that your financing options are a bit dim, you will know in advance if you should work on your credit before buying. It also lets you know if a cosigner could help you to get better terms and a larger loan amount.

Speed Up the Process

When you pick out a vehicle first, if you do not qualify for a loan large enough to cover it, you have to go back to square one. However, when you get your financing options first, you can work within the financing parameters that you qualify for, eliminating the possibility of not qualifying for the vehicle that you choose. So, you simply pick out one that works, finish the paperwork and drive off the lot.

When you get the financial stuff out of the way first, it makes shopping for a vehicle a bit less stressful. You will know what you are working with and if there are any limitations with factors, such as the loan size, as you are exploring the available vehicles.

Keep Your Investment Running Great

While many used car owners take their vehicles in for routine maintenance, such as oil changes and tire rotations, it is important to perform your own inspection checks as well. Proper car maintenance and DIY tips are easy to follow. Engaging in simple vehicle checks regularly may help to prevent an accident from occurring. Here are some easy Do-It-Yourself tips that you can look for in your vehicle.

Checking your oil on a routine basis will help to extend the life of your car. If you happen to be going on a long drive, be sure to check the oil before you go. Most vehicles need to have their oil changed every 3,000 to 5,000 miles. Missing an oil change can damage your car’s engine.

Another maintenance check that you can do yourself is the battery inspection. Check your battery to make sure all cables and connections are free from corrosion and are securely attached. Car batteries generally last for three to five years.

Routinely test your headlights to make sure they are working properly. Head and tail lights are cheap and easy to fix. Repairing them as needed may prevent you from being pulled over because of a headlight outage.

Be sure to check your tires for any wear in tread or damage to the sidewall. If you notice one of your tires is getting low, check the pressure and fill it with air. Continue to keep an eye on it in order to avoid getting stuck with a flat tire. Bald tires will need to be replaced as soon as possible as they are a danger on the road, especially in bad weather conditions.

A common maintenance issue involves trouble with the brakes. Listen for any screeching sounds that occur when you apply your brakes. Replacing your brakes quickly upon hearing the noise will prevent them from damaging your rotor blades.

Knowing how to care for your car properly will not only increase the life of your used car, but it will safeguard you from other dangers on the road as well.

Let AutoMAXX Get You Driving a Car Today

Automobiles have been an integral part of our lives since Henry Ford pioneered the assembly line and the prolific expansion of the car riddled our society with movers and goers. Cars are to freedom as money is to power. Let the lenders at our dealership empower you into a new vehicle with the help of an auto loan.

Car loans are an amazing way to afford a vehicle that is slightly more costly than your current liquid cash stash provides. Loan interest rates can vary, and with good credit the loans that lenders at our dealership offer can be quite affordable. That being said, don’t let a poor credit score scare you away from coming in and looking at our selection. There is bound to be a vehicle that catches your eye and a creative financing strategy that fits your specific situation. The experts in our financing department are some of the best at finding the right loan for the right person and facilitating a smooth and stress-free lending and car purchasing experience.

One of the best things for someone’s credit score is a history of accruing debt and then paying it off. This lets future lenders know that the customer is one that is responsible with their money and will make good on the loan that they are requesting. Car loans are an awesome way of building credit and can be an integral step in achieving that gleaming credit score that you’ve always wanted.

Let the fine folks at our dealership help you into your next car and the next chapter in your life. I promise that you won’t be disappointed in our service and selection nor will you be turned away by our lenders provided the minimal criteria are met. Drive off into the sunset with the wind in your hair and the purr of an engine in your ear. An auto loan through us is almost automatic and you’re sure to leave a happy camper.

Poor Credit Car Loans Create Opportunities to Save Time and Money

If you are like most people, you have a lot of traveling to do just to go about your daily life. Maybe you commute to work or school. Perhaps you shuffle children from one lesson or practice to the other. Maybe you just run your very own errands all day long, and you know that getting from one to the other is hard enough without having to take the bus or hoof it everywhere you go. With transportation a constant issue, perhaps you are even in the market for a used car but are worried that even poor credit car loans will be too hard for you to secure.

Does any of this sound familiar to you? As car sales specialists, we have seen just about every credit problem you can imagine. There is not a single credit scenario that we have not witnessed or cannot imagine. In fact, we know better than just about anyone that people of all types, shapes, and backgrounds are likely to have a poor credit rating that makes it nearly impossible for them to acquire reasonable financing through a bank or credit union. With a credit rating that keeps traditional lenders from even giving them a chance, many people try to make due without the vehicle that would simplify their lives.

When one considers the high opportunity cost of walking or waiting for a bus when he could be driving himself and factors that alongside the missed opportunities not having wheels of his own lead to, the affordability of creative financing makes more sense.

With our customers’ best interests at heart, we have our own means for seeing that you can afford to drive off the lot for convenience, mobility, and peace of mind. What’s more, nothing could make us happier than knowing that we have helped another worthy client find the right car at the right price. With easy term financing customized to fit your budget and your needs, we can and will help you to find the right car for to fit your busy lifestyle.

Make Auto Loans Work for You

Without a functioning vehicle, some may find it impossible to perform daily tasks, such as commuting to work, shopping, or carting kids to and from school. Auto loans are an integral part of the buying process, and we are willing to work with you to negotiate a price that everyone can live with.

Things like budget, financial history, and credit score can all have an effect on the terms of a loan. Here are a few things to remember when negotiating a car loan. By keeping these tips in mind, you can rest assured you will procure a loan that’s just right for you.

Be Aware of Your Credit History

Before visiting one of our top-notch sales staff, be sure you are fully aware of your credit history. Your credit score is a huge factor in what type of interest rate you’ll ultimately end up with. There are numerous websites which offer free credit checks online, and for a small fee you can get a more comprehensive report. This will give you an indication of what type of loan you’ll be eligible for.

Arrange Financing Through the Dealership

Our dealership offers a number of financing options for many types of customers. Depending on your credit history, a low interest loan may be a distinct possibility. Our experienced salespeople will work closely with you to determine a loan that will work with your individual financial outlook.

Consider Putting More Money Down

A larger down payment can be extremely beneficial to procuring a reasonable loan. With more money down, the length of a loan may become shorter, and interest rates with be far easier to deal with. This is especially true for customers with faulty credit histories. A larger down payment can help lessen the financial burden associated with car loans.

No matter the financial situation, we can help you to determine the best possible outcome. With some assistance, you are sure to find the vehicle of your dreams at a price you can afford.

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.

First Time Car Buyer Basics

Many times it is hard for a first time car buyer to receive a loan for a car. This is because they have no previous car loans on their credit profile to prove that they can make their monthly car note payments on time. When it comes to getting your first car, your first car loan should be easy for you to make in low monthly payments. Many car dealers allow you to apply for a car loan online before you even go into the store. This will tell you how much you have been approved for and therefore narrow down your car search by price.

If you find the right car dealer that provides auto financing, buying a car can be an easy process. A knowledgeable sales person can help guide you to the perfect car that you can afford and that you know you are approved for.

First time auto loans are made specifically for buyers that have never purchased a used car on their own before. This means that they have decent interest rates and low monthly payments that you can afford in accordance to your income. When you fill out an application for one of these loans, you will be asked a number of questions about your income, and you will be asked to show recent paystubs. You will also have your credit profile pulled so the bank or dealership can look at your credit score.

Usually, the better you credit score is the better the interest rate on your loan will be. If you are concerned about your credit score, many banks are willing to work with first time car buyers. You can also get a co-signer that has good credit to sign on your loan with you. This will get you a better interest rate, and after a year of paying on time, your credit score should increase significantly.

Buying a car can be an easy process for a first time car buyer if you come to us.

The Benefits of Securing a Car Loan at the Dealership

In order to make any large purchase, you must decide how you are going to pay for it. Unless you have the full price of the car saved when you are ready to buy, you will likely need to finance the vehicle into reasonable monthly payments. Sailing through the sea of car loans can be a hassle, though. To help you navigate those waters, the dealership can offer both financing and deals that you cannot get anywhere else.

Customized Lending

Financing your next vehicle through the dealership is a great way to find the loan that is perfect for your life and your budget. We are highly motivated to help you find the loan that makes buying a car off our lot possible. The dealership fosters relationships with lenders and is therefore better able to assist you with finding the right lender and the right loan for you. If you need to extend the term of your loan or need a loan that caters to mediocre credit, the dealership’s experience can come in handy. We want to see you driving off in your next car as soon as possible, and we will work to get you the financing to make that happen.

Special Deals

If you have great credit, getting a loan through the dealership can come with even more perks. For example, some dealerships are able to finance an introductory interest rate of below 3% on a newly purchased vehicle. At other times, discounts might be given off the total price of the car. Only by establishing car loans through the dealership are you are able to take advantage of these deals when they are offered.

There may be many ways to pay for your next vehicle, but only one way lets you take advantage of the experience and special deals offered by the dealership. Securing your car loan where you buy it has its benefits.

Why Buying a Newer Used Car Makes So Much Sense

Buying used cars is a smart move, and there are even ways to make it smarter. We can guide you through the process so you drive off our lot with a nice car at a really nice price. One truly smart move is to buy a newer used car, one that is between one to three years old. This is often the sweet spot for getting a good deal and a fine vehicle.

Value

Everyone knows a new car loses a large percentage of its resale value when it is driven off the lot. Some estimates are as high as 30 percent. After that, the depreciation of a car stabilizes for several years. When the car gets much older, depreciation tends to speed up again. When you buy a newer used car you can also benefit from lower maintenance costs. It could be years before brakes, tires, batteries and windshield wipers need to be replaced. Larger repairs such as transmission or engine work could be even further down the road.

Reliability

Newer used cars tend be very reliable, making the prospect of being stranded somewhere unlikely. Dependability in a car is one of the things people value the most. Not only can breaking down in an unfamiliar place be expensive, it could also be dangerous. Most people do not want friends or family members driving an automobile that could break down.

Technology

With a used car that is only a year or two old, you should be able to enjoy all of the latest technology for safety, comfort and performance. These cars will likely have such features as Bluetooth, lane stabilization, rearview cameras, passenger side airbags and many other advances. With savings from buying a used car, you might even be able to afford a loaded vehicle.

We believe used cars are a wonderful value. They offer value, reliability and smart technology all at once.

The Best Vehicles for Families

If you have a family, this is something that you want to remember when you are looking at used cars. There are certain features that will be beneficial for families. You can let your salesperson know that you are shopping for a family vehicle from the beginning so that you can better narrow down your choices.

Four Doors

While a family can use a two-door vehicle, four doors are so much more convenient. This is especially true if you have small children. It is much easier to place a carseat and strap children in when you have a vehicle with four doors. Kids can also enter and exit easier and without having to climb over the front seats of the vehicle.

Extended Safety Features

Features like a backup camera or lane change sensors can help to keep you safe and on the road. This is especially important for families because you want to ensure that your children are as safe as possible. You can also look at features like a child seat anchor and adjustable seatbelts to ensure a proper fit for passengers of all sizes.

Adjustable Seats

If multiple people will be driving the vehicle, you want to ensure that all drivers can operate the vehicle safely and comfortably. Adjustable seats are critical since all drivers will be different heights and sizes. Ideally, you want the driver’s seat to be able to be adjusted back and forth, as well as up and down, to best accommodate all drivers. Being able to adjust the steering wheel and the mirrors is also important and something to look at when you are exploring the vehicles available.

As you can see, there are several things to consider when looking for a used vehicle for your family. These are just a few things to keep in mind to ensure you find the perfect vehicle for everyone.