Do You Drive All Seasons or Winter Tires?

If you frequently drive on snow or ice you have probably wondered which type of tire is best for your car. Tires are very important, especially when it comes to driving in dangerous, cold weather conditions. You have two different options when it comes to purchasing tires. All-seasons tires stay on your car during the summer and winter and are supposed to perform well in all conditions. Winter tires, on the other hand, should only be used during the cold months and are specifically designed to handle low temperatures. Keep reading to decide if you should buy all seasons or winter tires.

One of the major benefits or all-seasons tires is that you do not have to change them twice a year. You can put them on your vehicle and leave them there year round. Additionally, they are designed to handle both warm and cool temperatures. They are reliable on dry and wet roads. Due to the fact that all-seasons tires are not designed to focus on one specific condition, however, they do not perform as well on cold winter roads as winter tires. If you do not do a lot of driving on ice or snow and you do not want to be burdened by changing your tires with the seasons, all-seasons tires are right for you.

Despite the reliable nature of all-seasons tires, winter tires are undoubtedly better about performing in cold weather. Winter tires are made of a special rubber compound that allows the tires to grip to the road even when it is covered in ice and snow. This makes them handle much better, especially when making sharp turns. For this reason, winter tires may be the safer option. Winter tires can be a hassle, however. The soft rubber used to make winter tires wears down easily, and therefore should not be used during the summer months.

Still wondering whether you should purchase all seasons or winter tires? Do some more research on the topic to find out which is a better fit for you. You can even contact a tire company to get their recommendation.

Bad Credit Car Loans Can Save You

When you need to buy a car fast, but your finances are not in the order that you wish them to be, it can seem like you are in something of a difficult situation. This is made even more true if you do not have a credit score that allows you to take out the loans that you require. Luckily, all hope is not lost. The best way for you to move forward at a time like this and still get what you need is by researching bad credit car loans. There are many ways that these financing options can help.

The Basics

Essentially, these loans are exactly the same as any other kind of loan that you might take. The main difference is that your credit score will not be the same obstacle that it is when you are trying to take a loan out from other institutions. Instead, the score will be factored into the terms and conditions of your loan. Typically, the lower your score, the higher the interest rate will be. While this might seem daunting, it is important to understand that bad credit car loans are short term, and the interest rates reflect the schedule of repayment.

The Benefits

The one benefit that rises above all others in regards to this type of loan is that you are able to get the car that you need without much of a hassle. Instead of having to spend years getting your score back in a good place before purchasing a car, you are able to expedite the process by finding a financing option that works with you. This means that you will be able to get your bad credit car loans, get your car and get to repaying your loan in no time at all.

Though you might not always be able to get ahead the way that you wish in life, there are still plenty of options worth considering. Take a look at what bad credit car loans can for you and get ready to make a huge change in your life.

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.

Finding the Best Pre-Owned Vehicle

Next to your house, your car is probably one of the most substantial investments you will ever make in your life. It’s important while car shopping that you explore all of your options and choose the absolute best vehicle that meets your needs without draining your budget in the process. Here are a couple of things to keep in mind as you shop.

With the cost of gasoline continuing to increase, you may wish to explore a more fuel-efficient model of car for your next vehicle. The cost of gasoline can make a substantial difference in the overall affordability of your car, especially if you have a longer commute or have other duties and activities that keep you driving around a lot in your free time. Some individuals can save hundreds of dollars each month by trading in their older, gas-guzzling SUVs and trucks and switching to a hybrid, compact car, or model designed for enhanced fuel efficiency. If you are tired of constantly stopping at the gas station and watching the numbers on the pump creep up and up as you refuel, it may be time to make the switch to a more economical used car.

Speaking of used cars, it is no secret that pre-owned cars are a great value—the consumer demand for affordable cars is partially why the pre-owned vehicle market is as robust as it is today. It’s critical when selecting a car that you choose one that fits well within your monthly budget. You also need to take other vehicle costs into consideration, including insurance, gas, tune-ups, and maintenance.

If you do a substantial amount of driving every month, you’ll need to keep a particular eye on maintenance due dates to ensure you keep your ride driving perfectly season after season. It can be easy to fall behind on routine maintenance like oil changes without adhering to a schedule or paying close attention to the odometer every month, so it behooves you to create a way of reminding yourself when maintenance is due.

Getting the Best Interest Rate on a Used Car

You’ve narrowed down your search for the perfect used car for your needs and budget and are ready to address your finance options. If you won’t be buying the car outright, you’ll need to finance it, which means paying interest. To avoid paying more than necessary for used cars, you’ll want to keep your interest rate as low as possible, which you can easily do with a few good tips.

Think About Financing Through the Dealer

While you might think financing your car through a dealer is automatically more expensive, the truth of the matter is that doing so could net you a pretty solid deal. This is because dealerships can offer incentives like zero-percent financing and other specialized low rates. Check to see what’s on the table before you think about financing elsewhere.

Consider a Certified Pre-Owned Car

It seems counterintuitive, but older cars usually come with higher interest rates when compared to newer models. Instead of thinking you’re better off with a new model, consider the fact that dealerships sometimes have zero-percent interest specials on their certified pre-owned cars. Be sure to ask about them as you’re walking up and down the aisles checking out cars.

Consider Your Term Length

If it’s at all possible, get a car loan with the shortest term length possible. The reason for this is that a shorter term length equals a shorter repayment length, which means a lower amount of interest paid over the life of your loan. Another great thing about getting a term length as short as possible is that you don’t have to worry as much about being upside down on your loan, which is what happens when you owe more on your car than it’s worth.

As you can see, there are several things you can do to keep the interest rate low on your used car. Be sure to put these tips to good use.

Knowing What You’re Getting In a Used Car

You may not enjoy going car shopping and for good reason. The sales people may make you uncomfortable by trying to persuade you to buy a car that you may or may not actually want. Sometimes it is difficult to withstand their pressure and you may walk away feeling as though your voice wasn’t heard or you didn’t get a good deal. This can cause you to avoid going to the car dealerships because you don’t want to encounter these high pressure sales tactics. But have you ever thought why you should buy used cars from the dealer?

There are various reasons why you should buy from a dealership. The dealership will give the vehicles an inspection that the average owner cannot provide. The cars that come to the dealership are usually bought or used to trade with so are of value and not junked cars. When you make a purchase from an individual owner, you don’t have any way to guarantee that it is in good working condition unless you have it inspected by a third party company. This will cost you extra money but at a dealership this inspection is already done before it is put on the lot.

One of the greatest reasons why you should buy used cars from the dealer is that a dealer will have a variety of cars for you to try at one time. You may have your mind set on a certain car and model. You have driven it and can afford the year and model you prefer but did you ever think another type of car or even a new model would drive better and be in your price range?

It can be a difficult decision to choose a used car for your primary vehicle. You want one that is affordable yet stylish. If you are asking yourself why you should buy used cars from the dealer, you should visit a reputable dealer like us to get some great options and pricing.

Five Steps to Getting a Loan With Poor Credit

Reversing poor credit requires hard work, and that hard work is even more challenging when you don’t have a car. Fortunately, there are some steps you can take to get transportation to and from your job.

One: Have an Open Mind

With a poor credit history, you probably won’t be able to secure a traditional loan, but you may have more success with bad credit car loans. These typically have higher interest rates, so be prepared to pay a little more.

Two: Stay Away From Additional Credit

One of the most common mistakes people make when using credit to make a major purchase is to open up a new credit card or account. You may want to take a look at your credit history, checking for errors and correcting inconsistencies.

Three: Be Realistic Concerning What You Can Afford

There are two important parts to this. The first is your monthly payment. Consider your most difficult months and determine how much of a payment you’d be able to make at those times. Your car payment probably shouldn’t be much more than that. The second thing to consider is the overall cost of the vehicle. Consider how much you’ll have to pay as a down payment, how much maintenance the vehicle will require, and how much gas and insurance will cost.

Four: Try to Find a Co-Signer

If you have a friend or family member with good credit, you can improve your chances for getting a loan. The terms of that loan will also be easier to live with. That co-signer (or co-borrower for even more benefits) will give the lender assurance that the loan will be paid, even if you struggle to make payments.

Five: Don’t Settle

While being realistic about your options, you can still discuss better terms, such as the length of the loan, the interest rate, prepayment penalties, and annual percentage rate. Factors such as the prepayment penalty may be much easier to get rid of, whereas the interest rate may be harder to negotiate.

Poor credit will make obtaining a loan more difficult, but it shouldn’t prevent you from getting a car. Use these tips to improve your chances.

Why Car Loans are Great Car Financing Solutions

For many people, getting a car loan is a great way to finance the purchase of a new or used car. A car loan makes it possible for people to buy the right cars for their needs – right when they need them – by ensuring that customers have access to money that they can use to buy those cars. There are different types of car loans – and not everyone will qualify for the same car loan or financing programs. However, getting a car loan is often a very wise decision for car buyers.

Here are a few reasons why we like car loans so much:

Get a better car now

When customers are able to use a car loan to finance their cars, they are able to get a safe and reliable car now, without having to wait until they have saved enough money for such a car. Getting a car loan helps to ensure that customers have some flexibility in terms of what they are able to spend on their cars, which means that instead of getting a lower quality car now with cash, customers can get a higher quality car that they will commit to repaying over the period of the car loan. Many of our customers are amazed at the cars they are able to get with low monthly loan repayments.

Improve your credit score

Getting a car loan will also help to improve your credit score as long as you repay the loan on time and in full. By being able to get and repay a car loan, you will show to future lenders that you are financially responsible and committed to making wise financial decisions. Down the road, you will qualify for higher loan amounts and lower loan rates because of this commitment.

You can refinance

If you find that you must get a bad credit car loan, you can always refinance that car loan down the road as your credit improves. Refinancing can help you to lower your monthly loan repayments and may help you to save a significant amount of money over the long-term period of the loan.

Contact us for more information about car loans or to find out what kind of loan options you may qualify for. We are always happy to help our customers get the best loan arrangements for their needs with each and every loan we deliver.

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.