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Why Service History Can Outweigh Vehicle Age

Beauty Before Age?

Many drivers assume that a car’s age automatically determines how much it is worth at trade-in time. While year and mileage do influence value, they are not the whole story. In many cases, a newer vehicle with poor maintenance history can be worth less than an older vehicle that has been consistently cared for.

This is why service records play such a major role during trade-in evaluations.

Consistency Builds Confidence

Regular oil changes, tire rotations, brake inspections, and recommended maintenance create a clear picture of responsible ownership. When records show that a vehicle has been serviced on schedule, it signals reliability to future buyers and appraisers alike.

That history demonstrates not just care, but also peace of mind. Buyers want confidence that routine maintenance was never ignored.

Skipping Maintenance Lowers Value

Gaps in service history can create concerns, even if the vehicle feels fine during a short test drive. Inconsistent care can raise questions about long-term wear and potential repairs down the road.

Vehicles without maintenance documentation may still perform well, but less certainty often leads to more conservative appraisals.

Digital Records Count Too

Service history does not need to be stored in a physical folder. Many maintenance providers maintain digital records that can be referenced during evaluations. Online service logs, dealership service histories, and manufacturer databases often help verify past care.

If you do have physical receipts or printed service summaries, bringing them along can be helpful during your visit.

How History Affects Trade-In Offers

Two vehicles of the same year and mileage can receive different trade-in values simply based on service documentation. Consistent records reduce risk for future owners, and that added confidence is reflected in the appraisal.

If you are considering trading your vehicle, learning more about how the process works through the trade-in evaluation page is a good way to set expectations.

Preparing Your Records

  • Gather receipts from oil changes and maintenance visits.
  • Print digital service histories when possible.
  • Keep any warranty or repair paperwork.
  • Bring title or payoff information if applicable.

Preparation saves time and helps ensure that your vehicle is evaluated as accurately as possible.

Thinking Ahead

Even if you are not planning to trade right away, keeping organized maintenance records benefits your vehicle long-term. It improves reliability today and protects value for the future.

If you have questions about what documents to bring or how the appraisal process works, you can always reach out for assistance before your visit.

Learn About Vehicle Safety Ratings Before You Buy

How to Decode Vehicle Safety Ratings and Why They Matter

When you’re shopping for a used vehicle, safety is usually near the top of the checklist — but figuring out what all the ratings actually mean can feel overwhelming. Star scores, test categories, and long feature lists sound technical, yet they’re all trying to answer one simple question: How well does this vehicle help protect you and your passengers? Once you understand how safety ratings work, they become one of the easiest tools to use when you’re comparing vehicles online or walking the lot.

Where Safety Ratings Come From

Safety ratings have been around since the late 1970s, when standardized crash testing started to give shoppers an easier way to compare vehicles. Over time, testing grew more detailed as cars became more advanced. Today, vehicles are evaluated for front and side crash protection, rollover resistance, structural strength, airbag and seat belt performance, and the effectiveness of modern safety technology. As vehicle design improves, testing standards continue to evolve. Newer vehicles are typically tested under tougher guidelines than older models, reflecting how safety expectations have climbed rather than suggesting older vehicles were unsafe. These ratings exist to give shoppers clear, unbiased insight when browsing dealership inventory like what you might find on our available vehicle listings.

What the Ratings Actually Mean

Most ratings use shopper-friendly scoring systems instead of complex engineering data. You’ll usually see star ratings that summarize overall safety performance along with category scores for things like frontal impact, side impact, and rollover protection. Some vehicles also earn recognition for strong results across multiple tests. Instead of focusing only on the overall score, it helps to look at individual categories too. Vehicles with similar overall ratings can perform differently in specific situations, which is why discussing details with a dealership specialist can be helpful when narrowing your choices.

Why Safety Ratings Matter for Used Vehicles

Once a vehicle is tested, its safety rating stays tied to that model year — even after it becomes pre-owned. That’s good news for used-car shoppers. Comparing ratings makes it easier to see which models were designed with stronger protection and which years introduced meaningful safety upgrades. When looking through multiple years of the same model in a dealership lineup, safety ratings can help you decide whether moving up to a newer year with added safety features is worth the investment.

Passive vs Active Safety Features

Passive safety features protect you during an accident. These include airbags, seat belts, reinforced frames, side-impact beams, and crumple zones engineered to absorb crash forces. These systems remain effective throughout a vehicle’s life and continue to provide protection even on older used vehicles.

Active safety features are designed to help prevent accidents before they occur. Common examples include automatic emergency braking, lane departure warnings or assistance, blind-spot monitoring, rear cross-traffic alerts, and adaptive cruise control. Many of these features became available in more recent model years, so newer used vehicles may offer technology that wasn’t common just a decade ago. Asking which safety systems are equipped on a specific vehicle is always a smart part of the shopping process.

How to Use Safety Ratings While Shopping

Safety ratings are most useful when applied thoughtfully during your search. Compare vehicles within similar size categories, review category-specific test results rather than only the overall score, and pay attention to which safety features are included by year and trim level. If you’re considering trading your current vehicle toward something newer or better equipped, checking both safety ratings and market value through our trade-in tool can help clarify your next step.

Your dealership’s staff can also walk you through safety details, vehicle history questions, and financing options available through our secure credit application. If you ever want additional product information or guidance while researching safety features and ratings, our team is just a message away via the contact page. You can also learn more about our approach to helping shoppers make informed decisions by visiting our About Us page or connect directly through our vehicle locator service.

Safety ratings provide a trusted foundation for smarter car buying. When combined with careful research, and the guidance of a knowledgeable dealership team, they help ensure you choose a vehicle that fits your budget, your driving needs, and the peace of mind you want every time you hit the road.

Is Your Current Truck Fighting an Uphill Battle

Horsepower vs. Torque: What Truck Buyers Should Focus On

Shopping for a truck means comparing a lot of numbers, and two of the most important are horsepower and torque. These specs are listed on almost every truck page, yet many buyers are unsure what they truly mean for towing, hauling, or everyday driving. Understanding how they work makes choosing the right truck much easier.

What Is Horsepower?

Horsepower shows how quickly an engine can keep a truck moving once it is up to speed. You will feel horsepower most when:

  • Merging onto the highway with confidence
  • Passing slower vehicles while towing at speed
  • Keeping a full truck or trailer steady on long road trips

If your driving includes long stretches of highway or frequent acceleration, horsepower should be a key part of your decision. You can explore a variety of trucks suited for everyday driving here: View All Vehicles.

What Is Torque?

Torque measures the twisting force an engine produces to get weight moving from a stop. You will notice torque most when:

  • Pulling a trailer up a boat ramp
  • Getting a loaded work truck going at a jobsite
  • Climbing steep hills or rough terrain

Stronger torque makes a truck feel like it has muscle right where you need it. If you want a truck built for heavy tasks, you can request help finding one with the right torque using our Vehicle Finder Service.

How Horsepower and Torque Work Together

Torque gets the load moving. Horsepower keeps it moving. Trucks with the best balance can tow confidently while still feeling smooth and responsive during everyday driving.

Understanding RPM and Power Curves

Engines do not make maximum power all the time. Torque peaks at lower RPMs, which is perfect for getting a boat or trailer moving from a standstill. Horsepower peaks at higher RPMs, which helps when you need a quick burst of acceleration while already cruising. A truck built for towing usually emphasizes low-RPM torque to feel stronger under load.

Why Transmissions Matter

Transmissions control how power reaches the wheels. A lower first gear ratio multiplies torque, making it easier to pull away with heavy loads. Transmissions with more gears help keep the engine in its “sweet spot” for power and fuel efficiency.

Simple guidance:

  • Tow or haul often: choose lower gear ratios for easier starts
  • More highway commuting: choose gearing tuned for fuel economy at speed
  • Mixed driving: look for multi-gear transmissions that adapt well to both

Different Engine Types

  • Diesel engines: excellent low-RPM torque for heavy equipment towing
  • Gas engines: smoother acceleration and strong horsepower for daily use
  • Turbocharged engines: great mix of torque and horsepower efficiency
  • Hybrid and electric motors: instant torque for quick, controlled pulling starts

Electric Truck Considerations

Electric trucks deliver maximum torque instantly, which feels powerful when backing a trailer or pulling up steep ramps. Regenerative braking helps recover energy when slowing down with a load. Range can drop faster under heavy towing, so selecting a larger battery pack helps maintain travel distance on long trips or hilly terrain.

Payload vs. Towing: Know the Difference

Payload is weight in the truck. Towing is weight behind it. These ratings are separate for a reason:

Capability What It Means Real-World Example
Payload Max weight in the cab or bed Tools, gravel, ATV
Towing Max weight on a trailer Boat, camper, work trailer

A truck excellent at towing might not carry lots of weight in the bed. Knowing both numbers prevents overloading.

GCWR: The Safety Number Most People Miss

GCWR (Gross Combined Weight Rating) measures how much total weight the truck and trailer can safely move together. Exceeding it can affect braking, handling, and drivetrain health even if the engine seems strong enough.

Which Matters More for You?

Choose based on what you do most:

  • Heavy towing or jobsite equipment: torque first
  • High-speed travel and acceleration: horsepower first
  • Work during the week, play on weekends: a balanced setup

If you are upgrading to a truck that better suits your needs, a quick estimate on your current trade can help you plan your budget: Value Your Trade.

How Environment Affects Power Needs

  • Mountains: stronger torque prevents slowing down on climbs
  • Snow or soft ground: more torque helps maintain momentum
  • Hot climates: engines work harder under load, so performance headroom helps

Flat city commuting often requires less torque and places more importance on comfort and fuel savings.

Common Truck-Buying Pitfalls to Avoid

  • Picking a truck that barely meets today’s needs and needing to upgrade again soon
  • Looking only at towing and forgetting payload rating constraints
  • Ignoring terrain and climate when choosing power levels

Planning for the future often prevents the most expensive mistake: buying twice.

Quick Checklist Before You Buy

  • How heavy are the loads you tow or haul?
  • City, highway, or jobsite. Where do you drive most?
  • Will conditions include hills, dirt, snow, or sand?
  • Do you prefer stronger acceleration or stronger pulling strength?
  • Do you need 4x4 for traction under load?

Explore and Compare Options

Once you understand what horsepower and torque mean for your everyday needs, you can explore a wide range of trucks and compare their strengths here: Brows Our Inventory.

Horsepower and torque both matter for capability, comfort, and confidence behind the wheel. When you focus on how you will actually use your truck, the right numbers become much easier to choose. Whether you need work strength, road-trip speed, or a blend of both, the best truck is the one that fits your real life.

The Smart Driver's Dilemma Buying Or Leasing

The Benefits of Buying a Used Car vs. Leasing

Two of the most popular routes drivers take are buying a used car or exploring a lease. Each offers its own set of advantages, depending on your lifestyle, driving habits, and financial goals. Understanding the benefits of both can help you make a confident, well-informed decision.

The Advantages of Buying Used

Buying a used car is one of the most practical ways to own a vehicle. Used cars often come with a lower price tag than brand-new cars, which means you can get more features or a higher trim level while keeping payments manageable.

Because used cars typically have a lower overall value, insurance costs can also be more affordable — a welcome benefit for anyone mindful of monthly expenses.

Many dealerships offer certified pre-owned (CPO) vehicles, which are carefully inspected and often come with added warranty coverage. These programs give buyers extra peace of mind and access to reliable, high-quality vehicles without the new-car price.

Ownership also provides long-term flexibility. Once the car is paid off, it’s yours — no mileage limits or lease terms. You can decide when to sell, trade in, or simply keep driving it for years to come.

The Advantages of Leasing

Leasing is another option that appeals to drivers who enjoy getting behind the wheel of newer vehicles more often. Lease payments are generally lower than financing a purchase, making it easier to enjoy the latest models and technology.

Leasing can also simplify upkeep, since regular maintenance and warranty coverage often extend through the lease term. That means fewer unexpected costs and more predictable expenses.

At the end of the lease, drivers have options — they can explore a new model, renew, or consider buying the vehicle if it suits their needs. For those who prefer variety or drive predictable annual mileage, leasing can provide convenience and flexibility.

Finding What Works Best for You

Both buying used and leasing can be smart, practical choices — it all depends on what matters most to you. If you value ownership, long-term savings, and flexibility, buying a used car might be your best match. If you enjoy the idea of driving newer vehicles with consistent payments and minimal maintenance concerns, leasing may be worth exploring.

Ready to take the next step? Whether you’re thinking about trading in your current vehicle or exploring your next ride, we’re here to help. Value your trade today or browse our used car inventory to find a model that fits your lifestyle.

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Why Winter Driving Doesn’t Have to Be Stressful

Stuck Again?

Do you find yourself worrying if your car will hold up through another winter?

The Pain of Getting Stuck

  • Turning the key on a freezing morning and hearing only clicks.

  • Spinning your tires in the snow while traffic piles up behind you.

  • Sitting on the side of the road in the cold, waiting for a tow truck that feels like it will never arrive.

These aren’t just inconveniences, they can be real safety risks. And if your car is already older or showing signs of wear, winter only makes those problems worse.

How Winter Wears Down Your Car

  • Dead Batteries: Cold weather zaps power fast.

  • Slippery Tires: Worn tread means poor traction when you need it most.

  • Frozen Doors & Windows: Makes even quick trips stressful.

  • Rust & Salt Damage: Eats away at your car’s body and undercarriage.

  • Breakdowns at the Worst Time: Cold engines and icy roads increase the odds of being stranded.

Steps to Avoid Getting Stuck This Season

  1. Test your battery before the first cold snap.

  2. Switch to winter tires for maximum grip.

  3. Keep your gas tank at least half full to prevent fuel line freeze-ups.

  4. Wash your car often to clear away salt and slush.

  5. Carry an emergency kit with a blanket, flashlight, and shovel.

  6. Wax your paint and underbody for extra protection against corrosion.

When the Worry Isn’t Worth It

If you’re constantly asking yourself:

  • “Will my car start this morning?”

  • “What if I break down on my way to work?”

  • “How much longer can I keep putting money into this car?”

…it might be time to stop worrying and start fresh.

That's why we take the stress out of upgrading:

Winter Driving Doesn’t Have to Be a Gamble

Don’t let another season of worry, breakdowns, and “what ifs” leave you stranded. Come see us, and let’s get you into a car that makes winter driving safe, stress-free, and even enjoyable.

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Is The Model T Coming Back

Not Exactly! But Ford’s New “Model T Moment” Is Almost Here 

Back in 1908, the Ford Model T didn’t just make history, it made driving possible for the average American. It was simple, reliable, and most importantly, affordable. Now, more than a century later, Ford says it’s ready to do something like that again.

On August 11, 2025, Ford plans to reveal a brand-new electric vehicle platform. They're calling it their next “Model T Moment.” And while the details are sparse, their goal is clear: build an EV that’s practical, built to scale, and most importantly priced for everyday drivers.

Then vs. Now Why Price Still Matters

When the Model T first rolled out, it sold for around $825 roughly $27,000 in today’s dollars. But as production got more efficient, Ford brought the price down to just $360, or about $10,000–11,000 today. That’s what helped put a car in nearly every driveway.

Modern electric vehicles haven’t had that kind of price drop at least not yet. The Nissan Leaf hit the market in 2010 for around $33,000. Tesla’s Model S launched at over $57,000, and even the “affordable” Model 3 rarely stayed close to its advertised $35,000 price once options and availability came into play.

Today, most EVs still land between $45,000 and $60,000. That puts a lot of people on the sidelines. And that’s exactly what Ford’s trying to change.

A Different Kind of Breakthrough

When Ford introduced the assembly line, it changed how cars were built and who could afford one. The process was faster, simpler, and more cost-effective, which meant lower prices without cutting corners. That same thinking is behind this new EV platform. Ford’s aiming to simplify how electric vehicles are designed, engineered, and assembled cutting down on complexity to bring costs down, too. The result could be more affordable cars that are easier to build, own, and maintain.

The Big Announcement

Ford says they’ll share the full details on August 11, but from the early reports, they’re building an electric vehicle designed to start at around $25,000, with working families and everyday drivers in mind. And that timing couldn’t be better. With the cost of living up, loan rates higher, and most EVs still priced out of reach, there’s a real need for something more accessible. A $25K EV that’s practical and reliable? That could be a game-changer.

No Model T's In Stock, Just Today's Best Value For Your Money

Like the people we serve, we’re always looking for ways to stretch a dollar and still drive something dependable. That’s why we make it a priority to keep a variety of vehicles in stock that offer real value options that make sense for your needs, your family, and your budget.

If you’re starting to explore your options or just want to see what’s available right now, you can always check out our latest inventory. Whether you’re after something efficient, roomy, or just solid transportation at a fair price, we’re here to help you find it.

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Should You Buy A Diesel or Gas Truck

The Answer Is Yes!

You'll Have Great Options No Matter Which One You Choose!

When it comes to buying a truck, that statement holds true in more ways than one. Not only do you have a solid choice between gas and diesel engines, but both come with a wide range of trims, features, and technology packages designed to fit your needs.

Choosing between a diesel or gasoline engine comes down to  how your truck performs on the road to what you’ll spend on fuel and maintenance. The right option depends entirely on how you plan to use your truck—whether for heavy-duty work, weekend adventures, or everyday driving. The best part? There’s no wrong choice—just the one that works best for you.

Why Consider a Diesel Truck?

Diesel trucks are known for their power and efficiency, making them a go-to for drivers who need serious towing and hauling capability. A diesel engine produces more torque at lower RPMs, which is ideal for pulling trailers, boats, construction equipment, or other heavy loads. That added torque also gives you a smoother ride when the truck is under strain.

One of the standout benefits of diesel is fuel economy—especially for highway driving. Diesel engines tend to deliver better miles per gallon than their gasoline counterparts, which can result in significant savings for drivers who travel long distances or frequently tow. Additionally, diesel engines are built to last. Many are known to exceed 300,000 miles with proper maintenance, which adds to their long-term value.

Today’s diesel trucks also come equipped with advanced emissions systems that make them cleaner and more environmentally friendly than ever before. Many models can use biodiesel blends, offering flexibility at the pump and a more sustainable option for eco-conscious drivers.

Why Consider a Gasoline Truck?

Gasoline-powered trucks are a strong choice for drivers who prioritize affordability, comfort, and everyday usability. They offer faster acceleration and a more responsive driving experience, which is ideal for city driving or frequent stop-and-go traffic. If your driving includes shorter trips, errands, or commuting without heavy towing, a gas engine could be the better fit.

Gas trucks also tend to have a lower starting price compared to their diesel counterparts, making them more accessible for budget-conscious buyers. Maintenance and repair costs are often lower, and gas engines typically have simpler systems that are easier to service. In colder climates, gas engines start more reliably, which is another practical advantage for seasonal drivers.

Modern gas trucks are far more capable than they used to be. With innovations like turbocharged engines and advanced transmissions, many gasoline trucks now offer respectable towing capacity, improved fuel economy, and better overall efficiency than previous generations.

Which One is Right for You?

The choice between diesel and gas really comes down to how you plan to use your truck. If you need to tow heavy equipment, haul loads regularly, or cover long distances on the highway, a diesel truck may give you the performance and durability you’re looking for. It’s a strong, reliable partner for hard work and long-term investment.

On the other hand, if you’re using your truck for light hauling, daily driving, or occasional weekend projects, a gas-powered truck is a versatile, cost-effective option. It's easier to maintain, faster off the line, and typically more affordable to purchase up front.

And remember—today’s truck market offers more variety than ever before. You can find both diesel and gas trucks with premium interiors, advanced safety features, off-road packages, and technology that makes driving easier and more enjoyable.

The Bottom Line

Diesel and gas trucks both bring something valuable to the table. Diesel delivers serious power, excellent fuel efficiency, and unmatched towing capability. Gasoline offers lower costs, responsive performance, and easy everyday drivability. No matter which engine you choose, you’re getting a modern, capable truck built to handle your lifestyle.

We’re here to help you explore both options in person, answer your questions, and match you with the truck that fits your needs. Whether you’re after heavy-duty strength or daily comfort, we’ll help you drive off with confidence.

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Your Truck Knows Best - It Even ‘Towed’ You So

A Guide for Contractors, Campers & Urban Cowboys

Not all truck owners live on job sites or take off for the wilderness every weekend. Some just want a ride that turns heads at stoplights and can still pull a trailer when the weekend calls. Whether you're towing tools, campers, or a bit of personal flair, this guide breaks down the best trucks for three types of drivers: contractors, campers, and the modern-day urban cowboy.

 

For the Contractor: Workhorses That Earn Their Keep

Who They Are:

Hard-working professionals who need their truck to haul materials, tow equipment, and handle demanding conditions every day.

Key Needs:

  • Heavy towing capacity (10,000+ lbs)

  • Diesel options for torque

  • Rugged build and upfit potential

  • Utility-focused interiors

Top Picks:

  • Ford F-250 Super Duty

  • Ram 2500 Tradesman

  • Chevy Silverado 2500 HD

Why It Works:

These trucks are built for the long haul — literally. With reinforced frames, impressive torque, and industry-leading tow packages, they’re built to do a job, not just look the part.

 

For the Camper: Comfort Meets Capability

Who They Are:

Families and adventurers who need a reliable, comfortable truck for towing campers, trailers, and outdoor toys.

Key Needs:

  • Smooth ride for long trips

  • Tech-forward interiors

  • Mid to heavy towing (6,000–12,000 lbs)

  • Fuel efficiency and safety

Top Picks:

  • Toyota Tundra

  • Ford F-150 with Max Tow Package

  • Ram 1500 EcoDiesel

Why It Works:

These trucks strike the perfect balance between comfort and capability. They come loaded with features like trailer sway control, advanced safety tech, and roomy cabins that make cross-country trips a breeze.

 

For the Urban Cowboy: City Looks, Weekend Power

Who They Are:

Style-conscious drivers who want a truck that performs just as well in the city as it does on weekend adventures.

Key Needs:

  • Compact or full-size with smooth handling

  • Light to mid-range towing (2,000–7,000 lbs)

  • Premium interiors and infotainment

  • Maneuverability and good fuel economy

Top Picks:

  • Ford Maverick (Hybrid or AWD)

  • Toyota Tacoma TRD Sport

  • Ram 1500 Laramie

  • Chevy Colorado Z71

Why It Works:

Urban cowboys don’t want to compromise. These trucks offer sleek designs, upscale features, and just enough towing muscle to handle boats, bikes, or a trailer full of weekend gear — all while fitting into a city parking space.

 

Choose the Right Truck for Your Life

From job sites to Lakesides to downtown garages, the right truck isn’t just about horsepower — it’s about how well it fits your world. Contractors need brute strength. Campers need comfort and capability. Urban cowboys? They need a truck that looks sharp, drives smooth, and doesn’t flinch when the hitch goes on.

Ready to find your perfect Truck? Come take one for a spin .

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Flip Phone Foldable Cars & Sardine Cans

But Can It Fit Into Your Pocket?

A Journey from Nostalgia to Innovation

Remember the days when flip phones were all the rage? Everyone thought they had the latest and greatest. Fast forward to today, and voila – the Google Pixel Flip phone is here, flipping the script on tech nostalgia. It's like tech fashion – everything old is new again! And guess what? The car industry is getting in on the retro action too with foldable cars. That’s right, cars that fold. Because why park a car when you can fold it like laundry?

Foldable Cars: A Glimpse into the Future

Enter the Hiriko, the electric car that doesn’t just save fuel — it saves space too. Designed to shrink itself down for tight parking spots, the Hiriko folds up to nearly half its length. With wheels that can rotate independently, this compact cruiser can even spin in place. Imagine fitting three of these into a single standard parking space. Now that’s urban efficiency!

Real Talk: Cool Tech or Sardine Can?

The Hiriko is undeniably the cool kid on the block, but let’s be real. If you’ve got a family, play in a band, or just like room to stretch your legs, this isn’t your dream ride. It’s tailor-made for zipping around downtown, not cross-country road trips. For everything else, we’ve got a lineup of cars that won’t require you to fold your passengers into origami.

Tech Meets Practicality: The Best of Both Worlds

We love tech, and who doesn’t want to feel like they’re living in the future? But we also know that sometimes, you just need a car that feels like a car and not a piece of space-saving furniture. That’s why we’re here to help you find a ride that’s not only affordable but also roomy enough that you won’t bang your elbow every time you shift gears. So, whether you’re into the nostalgia of flip phones, intrigued by the origami magic of foldable cars, or just want something that comfortably gets you from A to B, we’ve got you covered.

Stop by for a test drive and explore our full selection of used cars today.

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Tips on buying a car with bad credit.

How to Buy a Used Car with Bad Credit

The success of auto lending depends entirely on the ability to build your credibility image with the car-lender. Your credit scores first of all tell about whether you can be trusted as a buyer. But the past is in the past, it should not define us, right? You can start all over again and purchase a car on a loan, even with a bad credit rating, is a great opportunity to turn the page of your life history. If you pay off this debt in good faith for your new car without late payment, your account will become much more convincing to future lenders.

Check out your credit rating

Many factors affect the final score, including the professional judgment of the evaluator. Ideal credit history should have a score of 750 or more. 700 to 749 is a good result. A fair result is between 550 and 699.

The most reputable and market-leading rating agency is FICO. They are the ones that car sellers turn to when they need to know how trustworthy their customer is. The rating is based on information the agency receives from different sources. The total score can range from 300 to 850. If the total score is below 600, it means that the account has a bad history.

Therefore, the first thing to do before purchase a car is to inquire about your credit account. You may find mistakes in your credit history that could have hurt your rating. In this case, you should contact the bank to correct the error.

Be realistic

You need to take into account those debts that you already have. The rule of 28/36 will help with this. Just set aside 28% of your monthly income for housing rent and pay 36% as debt. Therefore, calculate how much 36% of your monthly income is and subtract from the result the amount of all existing debts - this way you will get a clear idea of ??how much you can actually pay monthly on account of the new acquisition.

If you overestimate your strength in the past, it could turn out to be bad credit for you. To realistically assess your strength, it is worth considering fuel consumption, repairs, insurance premiums, and parking costs in the future.

Check finances

The budget largely decides for you which price range you should choose from among the models. Don't tease yourself and throw curious glances at brands that you cannot afford in your current situation. It will be much more enjoyable and productive to focus on researching the characteristics of those cars that may be yours tomorrow.

Keep in mind that even if the price of buying a car is a perfectly affordable luxury for your budget, the cost of maintenance can be overshadowed by your financial stability. Certain car models will require sky-high costly attention. If you already have a look at the make and model of your car, ask your dealer for service details. Stick to the principle that each machine is designed for a specific task. What will you use the new car for? Answering this question honestly will help you avoid unexpected disappointments in the future.

Check stock availability

When you decide what kind of car you need, go to the car dealership website and check the bad credit used car lots. It is also worth checking in advance what lending services and on what conditions a particular car dealership provides.

Count on the future

Certification ensures that the vehicle you intend to purchase has been checked by professional mechanics from an official manufacturer. You can also be sure that any damage that has occurred has been repaired properly and that the vehicle is in acceptable condition.

Certified used cars bad credit near me will cost slightly more than untested options. But this should be taken as an investment in the future - you pay extra for the assurance that your financial condition will not be surprised with the regular expensive repairs.

Bad credit car dealerships, like Rolls Auto Sales, with a solid track record are trustworthy. Thanks to their concern for their own reputation, you will receive the best service, well-grounded guarantees, a wide range of options for concluding a deal, and free yourself from paperwork.

Be sure to check the history of the car. You can request this information when purchasing a car. The documents must contain information about all repairs and maintenance of the car.

Take a test drive

Get behind the wheel and drive around the block. A test drive will help you gain confidence in whether the chosen car is right for you or whether it is worth continuing your search. Don't expect used cars dealers bad credit to give you a test drive if you just drop by. Call the manager in advance and make an appointment. Some used car dealerships near me with bad credit have their own tracks for checking cars.

One loan at a time

In some situations, the presence of several open credit debts can negatively affect the level of trust to you from the point of view of the banking system. Do not worry too much about this, but it is better not to take several used car loans for bad credit at once at the same time.

Pay off as quickly as possible

An extended loan term will help to reduce monthly payments. But deciding to take such a step, you should remember that the loan term directly increases the average interest rate on used car loans with bad credit. It makes more sense to pay off a higher down payment and thereby achieve a decrease in monthly payments.

Get support

If you have a bad credit history or you are taking out bad credit auto loans for the first time, then it is better to find a cosigner - this way you can get better credit conditions. Before proposing to one of your acquaintances to fulfill this role, contact the Rolls Auto Sales car dealership in Philadelphia, PA and find out more about the requirements and responsibilities of the cosigner. It should be remembered that the cosigner will have to pay off the debt if something goes wrong.

Be careful

Unfortunately, clients with bad credit history often lose their vigilance in pursuit of better deal terms and the speedy purchase of the desired car. Fraudsters offer fantastic conditions and lead their victims into debt. As a result, instead of a long-awaited acquisition, a person gets an even more damaged credit history. Therefore, it is worthwhile to make decisions carefully and not to lose the ability of critical thinking.

Does bad credit affect my car financing?

Buyers with a bad credit history have a high chance of being denied credit, or they will be offered less favorable terms with a high-interest rate. Bad credit car dealers provide loans through banks, auto manufacturers and credit unions.

Buyers with used cars financing bad credit will almost certainly have to make a down payment right away - which isn't a bad thing in general. The amount of the contribution can also vary, and the lower limit rises in proportion to the decrease in credit confidence.

But do not forget that lenders are equally interested in clients with a high level of stable income. Ultimately, the terms of the deal will depend on whether the buyer's overall image is compelling enough to open a line of credit.

What to Bring When Buying a Used Vehicle?

The minimum package of documents that a car dealership will definitely require when selling a car includes 4 documents:

  1. Certificate of registration at the place of residence in two copies. A letter with your name and place of residence is suitable to confirm your place of residence.

  2. Certificate of income in duplicate. Here you will need salary receipts or a letter from the place of work.

  3. Valid ID.

  4. Down payment. For this operation only transfers from the account are accepted. Cash, credit cards, and checks are not appropriate in this case.

Frequently Asked Questions about Buying a Used Car with Bad Credit History

Can I Get a Used Car with Bad Credit? 

A low credit rating does not necessarily prevent you from getting a loan. Even if you have previously filed for bankruptcy or are obtaining a loan for the first time, you take a chance to achieve success along the way. The car dealership will receive a notification from the bank about the status of your credit history.

Any car dealership has an inventory of used cars, in the sale of which they are interesting. In any case the seller will try to make the transaction take place since it is always beneficial for him. Therefore, buying used cars with bad credit history is much easier than buying a new one.

You can speed up the conclusion of the transaction if you come with a ready-made decision about the car model, the amount of the initial payment that you are willing to pay and if you get the support of a cosigner.

You can also save money if you exchange your old car against part of the down payment or even to buy used cars bad credit no down payment. In this case, it will be wise to invest in minor repairs before closing the deal, which will pay off by increasing the price of your old car.

Equally important is the personal impression you make on the lender. It is not advisable to give cause to doubt your ability to responsibly pay for lending payments.

Does bad credit affect my car financing? 

A high rating can make it easier to get a lower interest rate and help you achieve some additional benefits. A rating below 550 usually raises doubts among the lender and forces him to offer a higher loan rate and require a mandatory down payment.

Do I Need a Down Payment with Bad Credit? 

If your credit rating is above 550 points — there is a chance to get a loan without a down payment. But in this case, the total purchase price will come out more expensive due to the increased interest rate.

What Credit Score Do Car Dealers Use? 

Based on the traditional FICO credit rating the system adjusts the scores based on the buyer's behavioral factors to obtain the FICO Auto Score 8 rating in the range of 2 hundred and fifty to 9 hundred. This rating system was built especially for car loan issues and aimed to determine the reliability of the buyer. It evaluates how strong the risk factors are with a particular client. The FAS8 score is difficult to predict and depends a lot on the context in which the client is applying for the loan.

Where to buy a used car with bad credit? 

There are two main choices to go to get a used car with bad credit history:

  • Private seller;

  • Auto dealerships with full-service, for example, Rolls Auto Sales.

Buying a car with bad credit from a private seller is risky for several reasons. Firstly, you cannot be sure that the information voiced by the seller about breakdowns, repairs and maintenance is reliable. Secondly, you pay once and will not be able to claim after purchasing the machine. Thirdly, even if you are willing to spend a lot of time and effort on self-checking the car, you will not receive guarantees that the life of a new car will be as long and of quality as you expect.

With a Rolls Auto dealership you can go through the entire cycle of buying a car on lending: from obtaining a loan to getting the keys to a new car. Coming here you will only need the basic documents required in such cases. Your non-seductive used cars bad credit history will not cause such rejection as when making a deal through a bank. In addition, the car dealership will provide all possible assistance with the initial payment. 

The choice of where to buy a used car bad credit should depend on the particular financial situation and credit score.

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