Make Smart Decisions About Car Loans

There’s a good chance that when you come in to our dealership to buy a car that you’ll be financing the purchase through a loan. When it comes down to it, the majority of car buyers end up working out a loan because, let’s face it, cars these days cost a lot more than most people have saved up. Just because you need a loan, though, there’s no reason to settle for any financing terms. Maybe sure that you recognize how to work out terms that you are happy to live with.

One important step is to remember how financing can affect your monthly payments and the amount that you end up paying in the end. The terms of your loan can end up saving you money or costing much more than the actual price of the vehicle. You might be open to negotiating the price of the car; if so, be prepared to look closely at interest rates and the terms of your financing.

It is also a really good idea to never look at your new vehicle as an investment. They aren’t. As soon as you drive that beautiful new car or truck away from the dealership, the value of your shiny new automobile starts dropping. The trick is to resist the urge to buy more than you can really afford. Really look over your finances before you go shopping for car loans and WAY before you go shopping for cars. Establish your car budget upfront, so that you can rein in your impulses when it comes to choosing a vehicle.

Finally, as you start looking at the prices of cars and working out the monthly payments, remember that there will also be insurance payments and maintenance costs. You’ll be paying for gasoline and oil changes. Even if you can afford to finance a nicer car, you may still be want to hold back a bit, so that you have plenty of room in the budget for all of the extra costs that come with owning a car.

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.

How to Get the Lowest Monthly Car Payment

When it comes to car loans, a low monthly payment is something that many car buyers focus on. However, it’s important to understand how to get the lowest monthly car payment without paying really high interest rates or taking out a loan for longer than you actually need. We have a few ideas for you on how you can get lower monthly payments on your car loan and save money in the process.

Keep Your Credit Rating High

Lenders look at your credit score to determine the interest rate you’ll be offered on your loan. When you keep a good credit rating, you’ll be offered a better interest rate, which translates directly into savings on your monthly payment. With a better credit score you can reduce the overall term of your loan, so you’ll have fewer monthly payments overall but still be able to keep them relatively low.

Make the Biggest Down Payment You Can Afford

The more cash you put upfront for your car purchase, the lower your monthly car payment will end up being. Before you apply for financing, take stock of how much you are able to put towards a down payment. By organizing a larger down payment you’ll be setting yourself up for lower payments for the length of your loan.

Check Options With Payment Calculators

You can use a payment calculator before you apply for financing to compare how your monthly payment changes depending on the term of your loan and at various interest rates. This research gives you a better idea of the type of payment you’re likely to face and the ways you can reduce it by shortening the length of your loan.

Getting low monthly payments on car loans can be as easy as checking your options before signing on the dotted line. With a bit of advance planning, you can save in the long run.

Do Not Let Bad Credit Get in the Way of Your New Car

You may be dealing with a major dilemma. You want and need to get a vehicle, but your credit score is low, and no one wants to provide you with the loan you need. If you feel like you might be stuck without a car for a long time because a credit score does not improve overnight, let us help you out. Our dealership believes in offering second chances to those who struggle with bad credit. We provide bad credit car loans for those who truly need them.

Apply For the Loan

You may be afraid of getting turned down because you have been down that road before. If you want to have an opportunity to get a loan for a vehicle, you have to take that chance and fill out an application. You could come to our dealership to start the application process. We will let you know if you have been approved. We are not concerned about your bad credit. Our dealership wants to help those who cannot wait for their credit score to rise before getting a vehicle.

Pick Out an Affordable Option

When you get approved for the loan, you will find exactly how much money is being offered to you in the form of a loan. From that point forward, you could start walking around the dealership lot to see the inventory that fits within your price range. Our dealership has no shortage of fantastic vehicles that are worth purchasing. You may find an affordable option in a matter of minutes.

Never let your bad credit score get in the way of you being able to purchase a vehicle. If you need a bit of assistance, we are here to help. We provide car loans for those with bad credit because we know how important it is to have a vehicle for all kinds of reasons. Now you can find something that is perfect for you without getting turned down.

The Benefits of Buying Used Trucks

Trucks can be expensive. If you need a solid vehicle that can carry your equipment and handle rough roads, you may want to buy a truck, but feel unsure that you can afford such a large purchase. Why stress about financing a brand new vehicle when there are so many benefits to buying used trucks?

Whenever a vehicle is driven away from its dealership, it begins to lose value. This does not mean that the truck itself becomes less strong or sturdy. However, it does mean that a used truck can a great deal. You can purchase a well-maintained used truck and drive it for years and years without breaking the bank. Many people today are trading in their trucks for smaller vehicles, so the used truck market is probably in your favor.

Trucks are generally tough vehicles that can withstand wear and tear. If you work, live, or frequently drive in dusty, dirty, bumpy areas, you may not want to spend a lot of money on a vehicle that will inevitably be roughed up. It can be stressful to worry about dings and scrapes on an expensive fender or pain job. Used trucks are a great option because they can easily navigate rough roads, but you don’t have to spend a fortune to buy the reliable vehicle that you need.

If you frequently take your truck off-roading, you may want to make modifications to your vehicle so that it can perform at the highest level possible. However, many people do not want to perform extensive modifications on a brand new truck. If you buy a used truck, you can add modifications, such as lift kits, shocks, or springs, without worrying about voiding your warranty. An older vehicle can be a great canvas for your dream off-roader.

If you need a reasonably priced vehicle that can get your where you need to go, even if you need to drive through a construction site with heavy tools or head into nature, used trucks can meet all of your needs.

3 Tips for Purchasing a Car With Bad Credit

At Performance Motors, we’re more than happy to get anyone into the car of your dreams – even if you happen to have poor credit. However, if you happen to have bad credit, there are a few things you can do to make the process much smoother for everyone involved, and to ensure you’re getting the best rates on your new purchase. These include:

Clean Up Your Credit Report

Sometimes, the professionals who calculate your credit score can make errors regarding addresses and other information. This can drag your score down, making your financial history look worse than it actually is. Try to get these errors fixed before coming to the dealership to get better loan terms.

Get Your Credit Score

Before you come apply, it’s worth your time to search up your credit score on the internet and to print a thorough report. You can offer these to the professionals who manage your financing at our dealership in order to give them a better picture of your real credit history. Not all credit reporting companies offer an identical score, so having multiple reports can give our professionals a better idea of your financial history.

Keep Your Options Open

While we’ll work hard to get you into your ideal vehicle, sometimes we have limitations on the financing amounts we’re allowed to offer our customers with bad credit. Therefore, try to keep an open mind when looking at our stock of cars, and don’t come in with your heart set on any one specific vehicle.

Taking these steps can help you to get better terms overall for your bad credit car loans, and helps to ensure you’re getting payments you can manage in the coming months. We’re here to get you into a great vehicle no matter what, but taking these steps can make things go more smoothly.

Getting Used Car Loans Doesn’t Have to Be Difficult

Buying a quality used car can be a good way to save on transportation costs. If you’re interested in obtaining a loan for a used car, the experts at our dealership can help you get the financing you need. Even if you have bad credit, we are experienced in finding loan solutions for your particular situation. You can be behind the wheel of a great pre-owned car in just days with our program of used car loans.

Once you find the car of your dreams, the next step is thinking about financing. There are many different kinds of car loans. Some people prefer to pay off their car on a 3-year loan, with a smaller overall cost than a 5-year loan. By choosing a shorter term, you can trade larger monthly payments for quicker ownership and a lower price tag. Our financing team is ready to work with you, finding the perfect loan to fit your individual needs and the needs of your family.

Do you have bad credit or slow credit? There’s no need to worry about financing your used car. We are happy to work with people in all sorts of financial situations and get that vehicle paid for in an efficient, affordable manner. Our dealership can offer competitive financing terms for customers with a bad credit history. In fact, taking out a loan with us will help build your credit in the long term.

When you get a used car loan from our dealership team, you’re also building a partnership with people who know your car and its particular needs. We can set up a maintenance schedule for you along with your regular car payments. Whether you need an oil change or a coolant check, we are here to do all the required maintenance for you.

Getting a used car loan doesn’t need to be a challenging process. By contacting our financing experts, you can find the exact solution that works best for you and your family.

Tips for Selecting that One Perfect Vehicle

The world of car shopping can involve quite the range of emotions including excitement, stress, confusion, and anticipation. The contributing characteristics that will play into choosing the perfect vehicle for a person will obviously vary from individual to individual. As you prepare to begin shopping for this exciting and necessary investment, remember to take the time to consider these basic tips before looking at our wide selection of quality used cars.

Budget

While a vehicle is one of the more necessary requirements in the lives of many people, it can also be one of the most expensive. Perhaps you are overwhelmed by the rumors you have heard of people having a difficult time coordinating financial needs with payment plans, interest rates, and the whole process of trying to get approved. Fortunately, we have gone to great lengths to facilitate this process to make it a bit easier and less intimidating. Once you have determined how much money you have available, it is time to come look through our inventory to determine which cars will meet your needs.

Preference

A person’s own preferences are one of the largest indicating factors of choosing one vehicle out of many used cars. Things such as color, amenities, accents, and operational components may all play into your personal preference when looking for a vehicle. You may find it helpful to compile a list of these things beforehand so you have a visual of the kind of product you want when you begin to shop.

Usage

Maybe you are a bachelor looking for a sporty car to go along with your new job. Perhaps you are a working mother who needs that perfect vehicle to transport children between various activities. Looking into the reason you need to buy a vehicle may help you to make a smarter selection, as well as choose a car that will offer efficiency and convenience.

When you work with any one of our reliable salesmen, you can receive detailed information regarding the vehicles we have for sale. Before you begin looking through our great selection of used cars today, be sure to think about your budget, personal preferences, and reason behind buying a new vehicle.

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.

Used Trucks Are Available in Many Styles and Sizes

It’s time to hit the road for a trip, but you’ve known for quite awhile that your current truck needs to be replaced. The days of its sleek finish are long gone, and it is hard to hear the radio thanks to the loud engine noise. You may have a lot of questions about your new set of wheels. We have the answers you need. Visit our dealership, and you will find a plethora of used trucks. We will help you pick a truck that fits your lifestyle and budget.

Before you visit, there are a few questions you can ponder. Think about how you will use your new vehicle. Will you need a compact truck, a mid-size truck or a full-size truck? A compact pickup truck might be right for you if saving money on gas is important. Compact trucks usually get better gas millage than larger sizes.

Do you need to be able to tow equipment or a boat? With a compact truck, you will be able to tow about 3,000 pounds. This truck can handle most boat towing tasks. If you have a larger boat, you may want to upgrade to a mid-size truck or a full-size truck.

Will you and a bunch of friends be heading to the lake for a fishing trip every weekend, or do you usually travel alone? It’s important to determine the amount of seating you will need in the cab section. A standard cab offers either one long bench seat or two bucket seats. It does not offer a second row of seating, but there is room for storage behind the seats. An extended cab offers a row of seating behind the front seats. This design offers either jump seats or a bench seat.

Most of our sales representatives have many years of experience selling used trucks. They are knowledgeable, friendly and will work hard to find you the right vehicle. Visit our website or call the dealership to learn more about what we have to offer.