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The “new normal” 200,000 miles…    

 During the 60’s and 70’s the typical automobile in America reached the end of its life right around 100,000 miles. Buying a car with 100k on the odometer was the equivalent of testing your luck. Even though it seems that 100k has stuck with consumers as a maximum mile marker to buy a used car, experts say modern cars haven’t even reached the half-way point of their lifetime at 100k miles. In today’s market, cars can expect to see a lifetime of 250,000 miles or more. New car dealers have felt the “Catch-22” of building better automobiles over the past few decades. Makers have to build better automobiles to attract buyers, but building better automobiles also means consumers keep their cars longer. New car makers have always tried to figure out how to build better cars without making consumers less likely to upgrade later, and profits have been affected by consumers who are in no hurry to get out of a car that still runs well.

    The automobiles of the past are nothing like the automobiles of today. Without delving too deep into technological advancement, mechanical design, fuel efficiency, modern electronics and improvements in quality standards, cars are simply made better today. They are safer and last longer. The average age of an automobile on the road today is 11.1 years old. Considering age and the EPA national driving average of 15,000 miles annually, the typical automobile would have about 165,000 miles on the dash. Consumers are holding on to their cars for longer than ever before, and for a variety of reasons. Technological improvements have many models driving without problem for hundreds of thousands of miles.  The automobiles of today are built to last more than 200,000 miles with simple regular care. That fact is reinforced by makers like Hyundai and Kia which now include 10 year/100,000 miles warranties on their models. Cars with over a million miles have been documented all over. Those are exceptional cases, but the new normal is well made brands like Honda, Volvo, Hyundai and Toyota being sold with 150,000 miles or more to consumers looking for affordable and reliable transportation.

    While the majority of the change in the type of automobile on the road today can be credited to better made automobiles, the recession also played a part. People uncertain about their financial future or dealing with financial hardship related to the recession held on to their automobiles. For years, the gap between purchases of new cars and used car has been growing steadily. For every new car sold in the US any given year, 2.5 used vehicles are sold. For 2013, consumers purchased 44 million used cars and only 17 million new cars. New age consumers, equipped with access to unlimited information and aggregated access to thousands of local dealers that post their inventory online are less likely to accept the huge depreciation losses when buying a new car. A new car loses 11% of its value in the minute after purchase. After five years, consumers lose 37% of the initial value.

     For many consumers, the odometer is the most important part in researching their purchase, and it’s still smart to consider miles. It’s not smart to only consider mileage. If you consider the fact that a car will last 100,000 even with owners that completely disregard maintenance, a car with less than 100,000 miles may actually carry more of a risk. When you find an automobile that has 150,000 or more miles, you know the car was well maintained and still running most likely due to regular care. For car buyers, the decision should be based on the quality of the automobile. Buyers should look at reliable makes and indications of regular care over anything else. Mileage should not decide your purchase for you. As with most other things, research and information will help you make the best decision. As cars get better, and consumers get smarter, considerations like mileage become less rigid.

If you’re in the looking for an affordable, quality automobile, check out our inventory page.

Extended Warranty Programs

If you're purchasing a vehicle from our dealership, ask about our extended warranty programs. We offer Vehicle Service Contracts from some of the most trusted companies around like Pro-Guard Warranty, Wynn's Warranty, Cars Protection Plus, Auto Source and more...

If you're looking to avoid coming out of pocket for unforeseen mechanical breakdowns, getting an extended warranty at the time of sale is your best bet. We have plans to meet every budget, and most cars qualify for one of extended warranties. Depending on the protection plan you choose, benefits include items like these:

• Powertrain and Comprehensive Mechanical Protection
• Towing
• 24/7 Nationwide Roadside Assistance
• Rental Reimbursement
• Diagnostics

Want more information on our specific warranties available? Ask your salesman!

The internet has changed everything. With a world of information at their fingertips, consumers have more power than ever. Consumers can do anything from finding love to buying a home online. Car shoppers have been propelled from in-person haggling at their local dealerships to thousands of online listings from hundreds of dealers with competitive up-front pricing in the click of a button from the privacy of their own living room. The internet, offering consumers access to inventory from dealers across the nation, has driven car dealers to list their most competitive price online or be lost in a sea of a thousand dealers offering a better price to anyone with internet access. Consumers have the power to find the best car at the best price before even setting foot into a dealership and most dealership activity has been pushed out of the showroom and onto the internet. You can find a car, get an appraisal of your trade, sell your car, make your car payment and apply for credit online. Online credit applications have allowed consumers to get loan approvals in minutes without having to leave the house, much less fill out mountains of paperwork hoping to get approved. Consumers can find a car and dealership, get an offer on their trade, and secure financing all from the couch. It’s a brave new connected world but people still have plenty of questions about how online credit applications work.

Is it Safe?

With stories of identity theft almost as common as Kim Kardashian selfies, consumers are smart to be concerned about protecting their personal information. In most situations, it is the website that you need to be worried about, not the submission. Scammers will send you official looking emails taking you to phony sites set up for the purpose of stealing your information. You will think that you are getting a great deal those Captain Kirk and Spock matching salt and pepper shakers that you thought you were purchasing from William Shatner’s fan site, but in reality the link in that email sent you a to a scammer’s page hosted in Liberia. For online car shoppers, the best way to avoid identity theft while shopping is to make sure you are submitting your application on a trusted site. Use Google local business listings to verify you are on the actual business’s web site. Its fine for consumers to research and shop on generic listing sites, but when it comes time to submit an application or inquiry, go directly to the dealership’s website. Submitting information to a website that has an actual brick and mortar location will significantly decrease your chances to become a victim to a scam. When you are submitting an application for credit, check the web address of the credit application. It should be HTTP secure. The web address should begin with “https://ssl” or “https://”. The https:// stands for Hypertext Transfer Protocol Secure, meaning the dealership uses encryption to collect your information. HTTPS provides protection against outside hackers gaining access to your information. It also encrypts collected data to avoid tampering or eavesdropping. Again, the most fool-proof way to avoid identity theft online is to make sure you are on the correct site and to make sure that site is connected to an actual physical business location.

Will Applying For An Auto Loan Hurt My Credit?

Since we primarily work with sub-prime borrowers, our customers can be even more concerned about damaging their credit further than a consumer with excellent credit. Our internal credit application is just that…. internal. Your information is not automatically submitted to any credit bureau, and we won’t run your credit through any bureau without talking to you first. Even though during the application process we will run your credit, it is very unlikely to damage your credit anyway. Check out our blog post “Will Shopping Around For A Car Loan Damage My Credit?”

How Long Will It Take?

With companies fighting to make their product or service faster and faster, you can end up feeling like you’re stuck in Something About Mary’s “7 Minute Abs” argument. Just when you think someone has the fastest whatever, someone else comes out with something quicker. One only needs to study the “time to apply for car insurance” wars between Geico and Esurance. “It takes you 15 whole minutes to get car insurance?! We can do that in 7 ½ minutes!” While some things, like getting a car loan, shouldn’t be completed at a lighting pace, that doesn’t mean you should have to fill out one hundred required fields to apply for a car loan. Unless you have your employers HR department’s direct line number handy, you’re going to want to find a dealer that has a minimum required fields. At our dealership, we have slimmed down our online credit application to 8 required fields. You can enter as much information as you want but you won’t be forced to. Our only required information is First Name, Last Name, Home Phone, Address, Social, Birth date, Employment and Income. If you have these few pieces of information, we can get you a preliminary answer.

How Long Until I Get An Answer?

Some dealerships can take up to 48 hours to process your application…. and that is with excellent turn-around time. At our dealership, we use an advanced secure processing system that will use your information to give you a preliminary answer by email within 10 minutes, guaranteed. With that preliminary approval, one of our salesmen will call you. Our salesman will obtain any additional information needed to get you your car loan and will be able to provide you with options for down payment and terms.

How Will I Know I’m Approved

In order to qualify for our guaranteed answer within 10 minutes, you will need to enter your email address in your credit application. Shortly after you receive your preliminary answer, you will receive a phone call from one of our salesman. Once we have obtained your information, we can determine your loan specifics like down payment, monthly payment and total loan amount. If you don’t get a phone call within one business hour of submitting your application, call us!

I Have Terrible Credit. Can I Get Approved?

Bad credit car loans are pretty much all we do. We have great rates for prime credit customers too but most people who come to us looking for a loan have already exhausted their first and second (maybe even third!) chances. We are different because we partner with multiple sub-prime lending companies, which gives our dealership plenty of options when dealing with consumers who have bad credit, or no credit or have been through a bankruptcy, divorce or even a repossession. Above and beyond our partnerships with our lenders, we also offer in-house Buy Here Pay Here financing for those especially difficult situations.

Sounds Great! Where Do I Go To Fill Out An Application?

Here! On our website you can fill out a credit application, get an instant appraisal of your trade-in, view our inventory, and learn all about our car loan programs.

Consumers either desperate for transportation or excited about a new purchase often forget that a vehicle is a major purchase. For most consumers, a vehicle is the most expensive purchase they will make aside from their home. Most people wouldn’t rush out and buy a house without careful consideration and it should be the same way when purchasing a vehicle… especially when you’re financing.  Here are 10 of the most common mistakes borrowers make and how to avoid them.

Lying to yourself about the amount you can spend while still being comfortable enough to handle unexpected issues that arise doesn’t help anyone… especially not you. Experts suggest that your total monthly car expense should be no more than 20% of your net income. There are a plethora of budget calculators on the web like the ones here and here. Figure out exactly how much you can afford and avoid disaster later. No matter how much you love your car, you’re going to hate it when you have to make a payment you can barely afford each month. Don’t forget to budget your car insurance with your payment... which brings us to number 4…

4. Forgetting about insurance...

You will have to get full coverage insurance on your vehicle for the length of the loan. If you don’t already have insurance, call around and get quotes. At least have an idea of the cost each month. Many consumers see a car payment of $250.00 and think “I can afford that EASY!” without considering the fact that an extra $150.00 in insurance brings that monthly expense to $400.00. You will need to consider this when you are trying to figure out how much of a monthly car payment you can afford. Speaking of monthly payments…

5. Considering the monthly payment instead of the total price…

Been on Craigslist lately? If you’re looking for a car you probably have. A notorious trick some dealerships have been using online is putting the monthly payment (and sometimes weekly.. ALWAYS read the fine print) in the price field instead of the actual price of the car. That “low payment” amount is usually the longest term loan, and you can end up paying a bundle in interest. Go to dealers that list the prices of their cars clearly online or in the store. If you find a car that you love at one of these dealerships that advertise monthly prices instead of cost, make sure you get the actual price of the car from the dealer up front.

6. Long and lean is good for super-models, not car loans…

Smaller monthly payments on a longer loan can be appealing to buyers, but financial experts suggest you take the shortest loan that you can comfortably pay each month. The longer the loan, the more costly interest you will pay. If you don’t have a choice and have to take the term, at least make a few extra payments now and then and pay the loan off early…

7. Putting their pants on backwards…

Always shop for the loan before you shop for the vehicle. Shopping for the car before you find out what you’re approved for is like shopping in a store without knowing the balance on your debit card. You could be ridiculously under or over your price range. Find out how much a bank or dealership will loan you first. That way, you can shop within your range and avoid being heart broken when you find that perfect car… that you can’t afford.

8. Gap isn’t just for great chinos…

What’s Gap? Gap is Guaranteed Auto Protection or Guaranteed Asset Protection, depending on who you purchase it from. When you suffer a total loss on your vehicle by theft or accident, auto insurers are going to pay you the current cash value of your vehicle. That can be thousands of dollars less than your actual loan amount. If you total your car a month after you buy it, you could be stuck owing the loan company the difference, and be out a vehicle. Gap insurance covers the difference between what your auto insurer pays and what you owe the bank. Not all borrowers need Gap. If you purchase your vehicle with a large down payment, or have a short term loan, Gap could be a waste of money. You will need to figure out if you are “under-water” (you owe more than your insurer’s replacement cost) and for how long you will be that way. Some lenders require that you purchase Gap as a condition to the loan. Ask the dealership about what Gap options are required. If it’s not required, make an educated decision on whether or not to purchase it.

9. Buying new…

An automobile is one of the worst investments you can make. The old adage “You lose thousands just driving off of the lot” isn’t far from the truth. One minute after purchase, your car has decreased in value by 11%. By four years, your vehicle is worth half of what you paid for it. Sure, you won’t have that “new car smell”, but with the thousands of dollars you save by buying used you can purchase three lifetimes worth of “new car smell “ spray instead.

10. Being the hare, not the tortoise… 

Slow and steady wins the race. It’s difficult to avoid feeling desperate if you have lost your transportation, but more car buying disasters have happened to rushed buyers than The Beatles have hits. If your just looking to upgrade or get out of an un-affordable payment, take your time and do things right. If you’re without a vehicle and in need of transportation, taking the extra time to avoid mistakes can be difficult but it’s always worth it. Get help from friends while you’re shopping around and figuring out your budget. With the money you save, you can buy them a pizza for their trouble.

For consumers with good credit, car buying can be pleasant experience. They can shop around to find what they like and have finance companies falling all over them to offer a competitive rate. For most consumers, this is not the reality. A majority of car buyers looking to finance vehicles have fair to poor credit and when you’re a buyer struggling with credit challenges, car shopping can be an exercise in futility. If you have bad credit, fair credit or no credit, car buying doesn't have to make you want to pull your hair out. By following a few simple steps, you can make the process less stressful and be on your way to repairing your credit and get back on the road.

Many consumers believe their credit is much worse than it really is. Items on your credit history may have dropped off or changed since the last time you got your score. Credit agencies do their best to reflect your current credit situation on your report and that information is constantly changing. Federal law requires all three reporting companies to provide consumers one free credit report each year if you request it. You can pull all three of your credit reports on their website for free at https://www.annualcreditreport.com/. Contrary to popular belief, pulling your own credit has no negative effect on your score. Pull yours and get an accurate picture of your credit situation.

Take some action!

Your score is the main indicator that finance companies and dealerships use to get your interest rate. If after you've pulled your credit report you find there are items on it that can be corrected, do it! Small accounts can have a large affect on your score. Paying off or negotiating with creditors to remove negative accounts will have an immediate effect on your credit and open possibilities for a better loan and interest rate.

Determine your financial situation...

How much can you afford to pay each month? Experts say your car payment should be no more than 20% of your net income. Use a loan calculator to determine how much a vehicle you can afford. Its likely that a consumer with bad credit has real life experience with unexpected expenses. It is likely how the consumer’s credit was damaged in the first place. Being smart about making sure you can afford your monthly payment will avoid further costly credit damage and leave you some breathing room for when bad things happen.

Get together a down payment...

Down payments can make all the difference for buyers with credit challenges. Your approval and loan amount is going to hinge on how much you can come up with as a down payment. Having a trade-in with equity will suffice for a down payment but having cash to put with it is always better. Put as much as you can down without straining your budget to the limit.

Find a car...

Once you have determined how much you can afford, find a car that fits within your budget. Again, be realistic with your expectations. Shop around and find the best deal you can. 99% of dealers now list their inventory on the internet. Comparing cars and prices has never been easier.

Have your paper work...

Borrowers with bad or no credit can expect to be required to prove everything. You will need proof of income and residence. Bring pay stubs, a bank statement and utility bills. It’s likely that you will be asked to provide references. If you have a trade, bring the title. If you owe money on the trade, bring the information on your finance company and current loan. Having your documents ready will speed up the process and make it easier for lenders and dealerships to get you an approval.

Getting an auto loan with bad credit can be difficult. Consumers that are prepared and realistic will have a much easier time and a better chance at securing an approval. At our dealership, we have been helping customers with credit problems secure auto loans for quality vehicles for over twenty years. If you’re looking to get an auto loan, apply on our website. We offer no credit and bad credit auto loans and Buy Here Pay Here guaranteed financing with no credit check.

SPECIAL FINANCING - PROGRAM DETAILS

   Have income? You’re approved! Down payments are as low as $500.00 (plus tax and tags). Bad credit, no credit, slow credit, good credit? NO PROBLEM! We accept buyers have had credit problems like bankruptcy, repossession, divorce and more. We work with multiple sub-prime lending companies and can get anyone financed.

  We don't care about your credit. We utilize a network of lenders that will finance even those with bad credit history. What our lending partners care about is your "stability and ability" or your ability to pay and the stability of your current situation.  Apply on our website for special financing and get an answer in minutes!

Program Requirements

• Income - We accept any form of income as long as it can be verified via pay stubs, bank statements, job letters etc. Regular employment, fixed income, self-employment or any type of income that can be verified.

• Residence - You'll need to have a regular residence where you can receive bills.

• Down Payment - Down payment amounts vary depending on your situation and the type of car you want to purchase. They can be as low as $500.00. Most are a little more. It depends on you. Don't forget! We take trade-ins and if you have a trade to sell, you can use the value of your trade towards your down payment.

Required Documents

• Identification

• Proof of Residence

• Bring a bill. It can be a utility bill or phone bill. Just make sure it includes your name and address.

• Proof of Income

REGULAR WAGES: If you are a regular W-2 type employee, bring your pay stubs.

SELF-EMPLOYMENT: If you are self-employed or receive income but not pay stubs, bring whatever proof you have of the income. If you are unable to obtain any verification, you will need to bring bank statements as your proof of income.

FIXED INCOME: We accept all types of fixed income as income like pensions, SSI/SSD, and unemployment. Any fixed income that can be verified by award letter or deposits to your bank account will be accepted.

• Insurance - You will need to get insurance if you  don't already have a policy. If you don't have insurance, we can help you get it at the dealership.

• Down Payment -We take cash, check, money orders and credit cards. If you are writing a separate tax check, make sure you bring a check. If you are using a trade toward your down payment, make sure you bring the title to the vehicle.

We look forward to giving you a second chance at an auto loan! Click Here to apply online! We guarantee and approval by email in 10 minutes or less! And don't forget! If our special financing program doesn't fit your situation, we also have the Buy Here Pay Here guaranteed financing program with no credit check!

We know you need a car to get to work, drive your kids around and do the million other things that people have to get done in a day that are not within walking distance. Many times, people who are inquiring about our Buy Here Pay Here program are new to trying to get a car with challenged credit. They may have been told by a friend or family member that getting a vehicle loan is impossible without good credit. Eventually, someone tells them the only way they can purchase a vehicle is if they find a car dealership that offers “Buy Here Pay Here”. The large majority of customers that call our dealership looking to apply for our Buy Here Pay Here program are unaware that they are eligible for traditional sub-prime financing. Almost anyone, regardless of credit is eligible for special financing. Unless you are unable to verify your income, we can get you an auto loan through one of our sub-prime lending companies. Buy Here Pay Here is only for those who cannot verify income, or provide other types of verification for a regular special financing loan.

BUY HERE PAY HERE - PROGRAM DETAILS

No Income? You’re approved! Our Buy Here Pay Here program leaves no one out of a car loan. We don't even check your credit. If you're breathing, you're approved!

Many of our customers believe Buy Here Pay Here is the only route for their credit situation. In fact, most customers don't know that they are likely eligible for our Special Financing. Our lending partners don't care about your credit either! There's a good chance that we can get you a traditional loan with a better rate and a lower down payment! Check out our Special Financing page to see if Guaranteed Special Financing is a good fit for your situation!

What Do I Need?

• Down Payment - Down payment amounts vary depending on the type of vehicle you want. Call one of our salesmen for specific down payment amounts on each car.Down payment problems? No worries! We take trade-ins! You can use the value of your current vehicle toward the purchase of your next vehicle. Click Here to see what you need if you are trading in your vehicle.

• Identification

• Insurance - If you don't have insurance, we can help you get it!

That's it! We have finance programs to fit anyone's situation. The easiest and fastest way to find out how much you need down and what types of loans we can offer you is to fill out our online credit application. It's fast and easy and only has 6 required fields. Put in as much or as little information as you want. Click Here to apply online.

We guarantee an approval by email in 10 minutes or less!  We look forward to hearing from you! Call today and drive away!