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.

The Benefits of Securing a Car Loan at the Dealership

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

Customized Lending

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

Special Deals

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

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

Why Buying a Newer Used Car Makes So Much Sense

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

Value

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

Reliability

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

Technology

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

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

3 Tips for Buying Used Cars

Buying used cars can be a challenging endeavor, especially if you’ve never undergone the process before and don’t quite know what to look for or expect throughout the process. In some cases, inexperience can land you with a dud of a car. However, this doesn’t have to be the case. We’re here to help you understand how to properly shop for your used car, and to ensure you’re getting the best deal for your cash when you finally make the deal. For the best results when making your new purchase, consider the following when making your selection of our available options:

Don’t Buy More Than You Need

Even if you find a great deal on an SUV, minivan or truck, that doesn’t mean that you should buy more than you need. Assess your needs before selecting the used car for you. How far will you be traveling normally? How many passengers do you expect to have? What sorts of events or work will the vehicle be used for? These are all things to consider when selecting the right size and type of used vehicle for your future needs.

Know the Car’s History

We would never dream of selling you anything less than a great used car, but it’s always good to know a bit about the ride’s history, just in case. Prior accidents and other issues can greatly impact how a car, truck or SUV handles on the road, and should be taken into consideration before buying.

Be Aware of Your Budget

At the end of the day, we want everyone to happy with the deal that’s made at our business. In order to make that a possibility, you need to keep your budget in mind when making your selection. Even if one of our cars seems exceptionally undeniable in the moment, that doesn’t mean you’ll be able to afford the monthly payments down the road.

Therefore, be mindful of how much you can spend. By following these tips, you can make sure your next search for used cars is a successful one, and you find the perfect ride for your needs and your budget.

How to Obtain the Best Car Loan Rates

When looking to buy a car at our dealership, we want you to get the best rates available for your loan. You can do this by following these tips and knowing what to ask for when you get here. These factors matter when trying to get the best rate on car loans.

Look for a Low Annual Percentage Rate

APR is the rate of interest that is added on top of your loan payments. The lower your APR, the less money you’ll pay back over the term of your loan. Negotiate for the lowest APR based on your credit history and consider deals we might be offering. For example, sometimes paying low interest with a large rebate might be better than taking zero-interest APR. Do your research.

Make a Down Payment

By making a down payment or trading in your previous vehicle, you won’t need as much financing as those who don’t. This obviously lowers the amount of money you need to pay back. Also, those looking to obtain car loans with bad credit can sometimes get a better APR by making a down payment because it’s less risky for us as your lender. It also shows us that you’re serious about paying in full.

Negotiate a Shorter Loan Term

We often offer car loans varying between 3 – 7 years. While taking a longer term may decrease the amount of your monthly payments, it also adds to the number of payments you make and how much interest you pay over time. By taking a shorter loan term, you’ll repay it faster for less money, so consider paying a bit more monthly to disburse less money over the term of your loan.

Following these four tips will help you gain the best rates for car loans when you buy from our dealership. By negotiating for a lower APR and shorter loan term as well as making a reasonable down payment, you can shave a large amount off the money you owe and the total of each payment.

Understanding The Basics of Car Loans

It can be difficult to understand loans and the process of obtaining them, but we are happy to help to answer all your questions. Even if you have bad credit, we believe that should not discount you from purchasing a car. We work directly with you to ensure you receive competitive loan terms and rates.

Paying Off Your Loan Faster

Paying off your loan faster can be advantageous and there are a few ways to do so. One way is to round up you payments at the end of each month. This simple step can have your car paid off quicker without breaking the bank. Other simple steps to take include shortening your loan or putting more money down initially. This can even lead to lower interest rate because it shows you are less of a risk than your credit entails and dedicated to paying back your loan.

Grasping The Terms

Understanding the terms of your loan agreement including how long and how large each payment is are two factors we can explain and evaluate with you. Opting for a shorter term allows you to pay off your car in a timely manner, but your payments will most likely be larger. If you would rather make small payments over an extended period of time, you can opt for a longer term agreement. Both your loan term and interest rates effect your monthly payments. Your APR also comes into play which is effected by a variety of factors and it includes the interest rate charged on the amount you borrow for the car and any other fees associated with the loan.

We know all the options can make it difficult so we work alongside you to seek out a car that fits your needs and budget. Bad credit car loans are obtainable and our tips and tricks can help you pay off your car quickly.

Shopping For Your Used Car

If you have been considering purchasing a new car, then you may want to think of going with a used car in Thunder Bay. You will likely find many used cars that could be just as good as new, and for a lot less money too. There are several other advantages you could find yourself with once you decide to buy used as well.

Many people simply grow tired of their vehicles and want to sell them for something new. You may be able to get a very good vehicle simply for this reason. You may find the perfect car for you and your family just because someone else didn’t want it anymore. You can expect to have your used vehicle for several more years with no problems just because they no longer wanted it.

You are able to find many quality certified used cars in Thunder Bay at Performance Motors. We have a great selection and all come with a CARFAX History report. Please view our inventory online and if you require financing our finance experts will get you approved at a low interest rate.

Bad Credit? Don’t Worry.

It is hard to afford a car these days without getting a loan first. However, sometimes people struggle to get car loans based on their credit score. You may have had something happen that ruined your credit, or you may not have much of a credit history and this may be your first car. We believe that this shouldn’t stop you from getting a car that you may desperately need.

With today’s lifestyle, getting a car is a must for a lot of people in order to get to work or even something as simple as going to the grocery store. This is why, even with less than ideal credit, every person who needs a car should be given the chance to get a loan and prove that they will pay it back. After all, if the problem with your credit is that you haven’t had enough money to pay your bills, that isn’t going to get better if you can’t get to work due to not having a working car.

Some people with no credit or bad credit may also run into a problem where the only people willing to lend to them want them to pay astronomical fees or they will lend very little money where you almost can’t afford the car. We don’t believe in that, and will work with you to find a lender that understands your situation. Being a car dealership, we know a lot of places to get car loans, and every lender is different in how they deal with situations involving credit.

Don’t let the fear of being rejected due to your credit stop you from pursuing your car. Although the situation may not be ideal, we will find you something that you will be able to get a loan for without paying high fees or settling on a car you don’t really want due to your credit score.

Can I Get Approved for Car Financing With Poor Credit?

With poor credit, you may feel like your car-buying options are also on the poor side of things. The good news is we have financial solutions for individuals who have struggled with credit in the past. To help you get beyond where you are now with your credit rating, we offer solutions that allow you to get approved for car financing with a bad credit rating.

One of the best things about getting approved for financing when you don’t have a great credit history is you can improve your credit rating. You need to start working your way toward better credit at some point, and our financing solution allows you to do that. By staying in contact with our financial representatives and letting us know what your financial situation is, we can help you make sure your payments are on time and in full so it makes a positive impact on your rating.

Something to keep in mind is you will have a lot of options when it comes to credit approval for individuals with bad credit. No matter the type of automobile you are looking for, we will have something that meets your needs, and you will be able to purchase it with the help of financing. If you need a small sedan, we can make that work. If you are looking for a van, we can make that work as well. Your options don’t have to be limited just because you have struggled financially in the past.

When you need a new car, don’t hesitate because you have bad credit. You do have options and we are here to help. Our solutions allow you to get approved for auto financing so you can improve your credit rating and purchase the car you have always wanted. Don’t wait to make these improvements to your life. Speak with a representative today to see what you need to do to get started.

Tips on Buying Used Trucks

There are many things to consider when poring over a wide inventory of used trucks in hopes of finding the right one. The most common stream of thought to have is how the truck will be utilized. Is the truck going to be driven for commercial use, or for basic daily driving? Are you looking for something more rundown for off-roading excursions, or is an upgraded and comfortable model more your speed? Knowing the answers to these questions will help to set you on the appropriate path to finding the perfect truck.

It is safe to assume that people who prefer to drive trucks over cars are not afraid of getting their hands a little dirty. Being unafraid of grease and grime will come in handy at the car lot when looking underneath the truck. Inspecting the truck yourself is a step that should not be neglected when searching for a new truck to buy. Oftentimes, some places will hoist the truck in the air for you to inspect, or will do a complete inspection themselves for little to no additional fee.

If you are unsure of what to check, make sure an experienced technician conducts a thorough inspection of the truck and provides you with a very realistic assessment of required repairs along with the cost of each one. The main issues to check are the brakes, steering components, possible leaks, weak metal, and damage.

Additionally, try not to be distracted by a truck’s outer appearance. A new paint job adds a nice touch, but it is important to find out what the motivation was behind that fresh coat. Make sure to find out if it is covering scratches, rust, a dull surface, or any other possible defect. When it comes to used trucks, the goal is to find all about the history.

Once you have found the right truck to purchase, try not to second guess yourself. If you did your research, got the right price, and are happy with the outcome, do not worry that you missed out on something better.