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The 5 Steps You Need to Follow In Order to Get a Car Loan

By admin | Posted in Uncategorized on Monday, September 10th, 2018 at 6:19 PM


If you’re looking at cars at a used car dealership, odds are that you’re going to need a car loan. Unless you have a stockpile of cash in your bank account, you will need to borrow money to own one of these cars. Here are the five steps you need to follow in order to get a car loan.

Step 1: Check your credit

The first thing you should do it check your credit report. The better your credit is, the cheaper it is to borrow money and secure auto financing. With a higher credit score and a better credit history, you will usually get a lower interest rate. You might also qualify for lower car insurance premiums too. A lower score won’t necessarily prevent you from obtaining a car loan, but it might raise your interest rate.

Step 2: Determine your budget

It’s essential to have a budget before you start looking for a car loan. You want to make sure your loan payments will fit with your monthly budget as well as your long-term financial goals. If you don’t have a budget yet, look at your monthly income after taxes as well as how much money you want to put into savings each month.

Step 3: Know how much you can afford

Once you create your budget, you need to figure out how much you can afford to add to your expenses every month. For most, the most frequently searched vehicle price range is $5,000 or less. A good rule of thumb to follow is that you shouldn’t spend more than 10% of your income on a car.

Step 4: Get preapproved

Now that you know how much of a monthly payment you can afford, you’ll want to get preapproved for a car loan. You can research potential loans and compare the rates, lengths of time, and interest rates to find the best deals. Some dealerships offer financing options right on site, so you can research local dealerships too.

Step 5: Go shopping

Now, you’re ready to start looking for a new car. Look for cars that are reliable and fit into your budget. You should also consider things like size, color, gas mileage, and extra features you might like.

Follow these five steps and you’re on your way to getting a car loan. Remember that the more research you do, the better.

4 Great Benefits of Shopping at ‘Buy Here Pay Here’ Auto Dealerships

By admin | Posted in Uncategorized on Monday, September 3rd, 2018 at 5:10 PM

Car buying always seems to be stressful, time-consuming, and downright annoying — but it doesn’t have to be. With buy here pay here (BHPH) dealerships, you can handle all the financial aspects of the auto buying process directly on-site.

Whether you’re buying new or used cars, shopping at buy here pay here dealerships is a great option for any vehicle buyer.

Here are some of the best benefits of shopping at buy here pay here car dealerships:

  • Your bad or nonexistent credit doesn’t matter — If you have bad credit, no credit, or are even currently in bankruptcy, these BHPH dealerships are great options. Additionally, even if your credit is outstanding, these dealerships can still offer you quality vehicles and affordable deals.
  • In-house financing — Being able to purchase a vehicle and set up a loan payment process at the same time is a great advantage for most auto buyers. Rather than getting a loan from a bank or another third party, you can essentially handle all the financial aspects of purchasing a vehicle right on the lot.
  • You’ll still be able to learn a lot about the vehicle — Since you’ll be covering virtually every aspect of the car buying process at these credible dealerships, you’ll also be able to identify everything that’s going on with a particular vehicle. CarFax reports are great and BHPH dealerships offer free reports, but these reports often don’t tell everything that you need to know. According to the National Highway Traffic Safety Administration (NHTSA), approximately 10 million vehicle crashes go unreported each year. These credible and experienced used car dealers will likely disclose as much information that is known on each vehicle they have in their possession.
  • Buy here sell here options — You can also take advantage of trade-in-deals at these dealerships. Trading in a used car is a great way to upgrade for a higher quality or newer vehicle. BHPH lots will gladly accept pre-owned cars, trucks, vans, SUVs, and more — saving you a lot of money and even more stress.

If you want to learn more about buying and paying for used cars in a stress-free and timely manner, or find high-quality used cars for sale, stop by Auto Sales and Service today.

Buying Pre Owned Cars: Avoid These 4 Common Mistakes

By admin | Posted in Uncategorized on Friday, August 31st, 2018 at 4:58 PM


Pre owned cars and auto sales have been on the rise for seven consecutive years. Despite this, there are still plenty of car buyers who are being taken advantage of and are making terrible mistakes when it comes to actually finding, negotiating, and purchasing used vehicles.

Make sure you’re avoiding these common mistakes when buying pre owned cars:

  • Neglecting to research — When it comes to buying a new or used vehicle, it all starts with the research. The majority of used vehicle buyers are not doing nearly the amount of research they need to be doing before making a purchase. Talk to people who have bought similar models, research all kinds of brands online, and spend a few hours each day during your search to ensure that you know what you’re getting yourself into.
  • Starting your search too late — In order to be in full control of the purchasing process, you can’t be boxed into a corner. Don’t wait until you absolutely need to buy a car before you start your search. If your current vehicle is slowly on its way out, start at least thinking about how you’re going to go about researching and starting your  used vehicle search.
  • Neglecting auto maintenance — Another common mistake when it comes to buying a used car is not having a mechanic look over the vehicle before making a purchase. Even if you feel great about the vehicle you’re going to buy and think it’s the perfect fit, you could end up having some major problems on your hands down the road. Most auto shops provide a maintenance service onsite, but make sure you’re asking for a professional mechanic to inspect the car you’re thinking about buying.
  • Only taking one quick test-drive — Simply test-driving a car for a mile or two or just driving around the block is not enough to give you a real feel for the vehicle. Since you’re planning on driving this vehicle for years, you need to give it at least a half-hour of drive time.

If you want to learn more about how to effectively buy pre owned cars or if you just want to visit a helpful used car dealership, give Auto Sales and Service a call today.

5 Great Tips For Buying a Vehicle With Bad Credit

By admin | Posted in Uncategorized on Sunday, August 5th, 2018 at 2:53 PM

It can be quite difficult to buy a new or used vehicle when you have poor credit. Unfortunately, so many Americans have credit issues due to a variety of reasons — and purchasing a functioning vehicle can be tough if the situation is bad enough.

Thankfully, there are some things you can do in order to improve your chances of purchasing a high-quality vehicle, even with poor credit. Here are some tips for buying a car with bad credit:

  • Work on your credit before car shopping — Unless you are in dire need of a vehicle, you might want to take some time to start bringing your credit score up before you begin shopping for a new car. Cleaning up your credit can help you in just about every financial aspect of your life.
  • Purchase used cars — Used vehicles aren’t nearly as bad as some people think. Thanks to modern automotive technological breakthroughs, just about every vehicle that’s been manufactured over the last 15 to 20 years remain viable options for buyers. The average age of vehicles currently on the roads in the U.S. is 11.6 years, and these used cars are much more affordable than their newer counterparts.
  • Acquire bad credit auto loans — A bad credit auto loan is the perfect solution for acquiring a high-quality vehicle despite trouble with credit. Just because these loans exist doesn’t mean you shouldn’t work towards improving your credit, however, but they can at least help you get back on your feet (and inside a car).
  • Avoid additional bad credit items — In the months leading up to your credit loan application, it’s best to keep your credit score as best as possible. Pay everything on time, don’t take on other major credit obligations, and don’t ignore calls or letters.
  • Make a bigger down payment — If it’s feasible, making a bigger down payment can help you offset the interest, taxes, and fees associated with the car buying process. Your credit history will limit the size of the loan you can get right away and high interest rates will lower that amount even more, so placing a larger down payment is a great idea.

If you want to learn more about purchasing used cars with bad credit, give Auto Sales and Service Inc. a call right away. Good luck!

Buying a Pre Owned Car Checklist: 4 Important Steps

By admin | Posted in Uncategorized on Saturday, August 4th, 2018 at 10:41 PM


If you’re planning on buying a pre owned car in the near future, you need to make sure you know what you’re getting yourself into. If you buy from a reputable used car dealer, then the vehicle itself will likely run fine and be just what you’re looking for. But knowing how to handle all the various steps of the actual car buying process is the real trick.

Here are some important things you need to do prior to purchasing pre owned vehicles:

  • Talk to the dealer about price — This one seems obvious but it is too important to leave out. The average price of a new vehicle in the U.S. is about $35,309; if the used car you’re thinking about buying is anywhere close to that cost, you might want to hold off. Make sure you are discussing the price of all the vehicles you’re thinking about buying and see if you can talk the dealer down at all, as well.
  • Inspect the vehicle yourself — A reputable car dealership will keep each vehicle functioning properly, but it’s still important to perform some mechanical checks yourself. Carefully look over the vehicle’s interior and exterior, perform a leak test, go for a test drive to make sure everything seems right, and have a professional mechanic thoroughly inspect the car. Additionally, it’s important to inspect under the car’s hood before ever driving it — a professional mechanic can give you advice, but if something doesn’t look right, you might want to keep looking.
  • Discuss your credit score — Talking about a car’s price is one thing, but if you are at all concerned about your credit score, you need to bring it up with your dealer. Thankfully, there are used car dealerships that can offer bad credit auto loans to help you purchase a quality vehicle.
  • Don’t forget auto insurance — Many used car dealerships require proof of insurance before selling the vehicle to anyone. When buying a pre owned car, make sure that you have it insured before you drive it off the lot.

Whether your credit is great or not, if you’re ready to check to some high-quality pre owned cars at a fair price, head down to Auto Sales and Service Inc. right away!

3 Steps For Searching, Selecting, and Purchasing Great Used Vehicles

By admin | Posted in Uncategorized on Friday, August 3rd, 2018 at 10:08 PM


If you and your family are thinking about purchasing a new vehicle or two, it’s important that you know exactly what you’re looking for and that you’re not spending a significant amount of money. It’s no secret that certain automobiles are extremely expensive, but you can find plenty of used cars for sale that are much more affordable options for you and your family.

Here are the steps that will help with searching, finding, and purchasing affordable pre owned vehicles in a timely fashion:

  • First, start by crafting a realistic budget — Since you’re searching for used cars for sale in order to save money, you need to determine exactly how much you can spend to not go over budget. Just because you’re buying a pre owned car doesn’t mean you’ll be necessarily getting a great deal. Though there are plenty of affordable vehicles out there, there are some used cars that might cost much more than you can afford. So setting a realistic budget for you and your family during your car search, and sticking to it no matter what can help you land the perfect used vehicle.
  • Next, browse online for ideas — Before you even step foot in a dealership, it’s recommended to browse the Internet for a few hours to get a better idea of what you want as a family. If you’re purchasing at least one vehicle for your kids, you can sit down with them and determine what vehicles would be perfect. They will likely select the most expensive sports car they can find, and you can quickly shut that down. Once you’re all on the same page, it’ll be much easier to figure out what you want.
  • Then, narrow your search as much as you can — Knowing exactly the kind of vehicle you are hoping to purchase is essential for a quick and efficient auto search. For example, if you are hoping to find a great used car with a manual transmission, it might be a little bit more difficult since manual transmission vehicles are actually outnumbered by automatic transmission vehicles 10 to one. You can still have a broad idea of what type of pre owned vehicle you want, but as you talk to each auto sales representative at the dealership, it’s best to give him or her as many specifics as you can.

Hopefully, as soon as you and your family perform these three steps, you’ll be ready to walk into a reputable dealership and drive out with some excellent pre owned vehicles. If you want to start this process and checkout some awesome used cars for sale, give Auto Sales and Service Inc. a visit right away!

Improve Your Car Negotiation Tactics: 4 Tips To Find a Great Deal

By admin | Posted in Uncategorized on Saturday, July 7th, 2018 at 9:58 PM

Used car sales have been on the rise for seven consecutive years and it’s no wonder why. Used cars are excellent vehicle options. Although there are all kinds of important aspects you should be focusing on during your used car purchase, negotiating a reasonable price should be at the top of your priority list.

If you don’t know how to negotiate, you aren’t going to find great car dealership specials or land a reliable vehicle for a fantastic price.

Here are some great tips for improving your negotiating tactics and landing an excellent pre owned vehicle:

  • Start with cars in your budget — It’s going to be difficult to negotiate a car’s price down if it’s already well out of your price range. The most frequently searched vehicle price range is around $5,000. So starting with vehicles that fall in or near your budget is a much better idea. When setting your budget, it’s essential to keep all your monthly expenses in mind, including your mortgage or rent, utilities, groceries, and any outstanding loans or debts.
  • Look for car dealership specials — Used car dealers often offer all kinds of great specials to encourage buyers to come into the establishment and make an offer. Even if the vehicle you are hoping to purchase isn’t part of the offered special, you might be able to talk the dealership into helping you out. It might not work, but it certainly doesn’t hurt to try.
  • Be friendly — It sounds obvious enough, but a lot of car buyers go into dealerships with poor attitudes because the entire process can be stressful and tiring. Fight through those negative feelings and just be respectful and friendly. As long as you’re working with a trusted dealership, they aren’t going to try and take advantage of you — they want to help you. Friendly negotiations work a lot better than unfriendly ones.
  • Be persistent — Even if you have an excellent few days of negotiations, you need to make sure you’re following up with the dealership.

If you’re ready to find some great pre owned vehicles and want to learn more about amazing car dealership specials, give Auto Sales and Service a visit today.

Buying Pre Owned Cars: 3 Myths Busted for Good

By admin | Posted in Uncategorized on Wednesday, July 4th, 2018 at 9:07 PM


Buying Pre-Owned Cars

Most pre owned cars are still great vehicles, and unlike new cars, they won’t lose most of their value just because you drove them off the dealership lot. Don’t let anyone tell you otherwise.

For some reason, even in 2018, when auto technology is more innovative and reliable than ever before, there are so many people who refrain from buying used cars because of the negative stigma associated with them. The fact of the matter is that these vehicles (at least the majority of them) are both affordable and fully functioning. Not only can used cars still effectively get anyone from point A to point B (which is kind of the entire purpose), but they can do so safely and even in style.

Even better, because so many newer models are coming off lease this year, it’s never been easier to find high quality used and pre owned vehicles at a great price. So without further ado, let’s bust some used car myths. Here are some auto myths that surround the used car industry that are untrue — some are even downright ridiculous!

  1. Pre owned cars aren’t reliable — UNTRUE! The average age of vehicles currently on the road today in the U.S. is about 11.6 years. If those drivers had got rid of their “used vehicles” after only a year of driving, that would be a colossal waste of money. Used cars aren’t coming with 300,000 miles on average either; most have a reasonable mileage and can last for a decade or more.
  2. Most used cars have had a lot of owners — Nope. The majority of used cars on the road have had an average of three owners. Some of these owners rarely even drive, so it’s not like they’re damaging these cars or running them into the ground. They drive to work and the grocery store — that’s about it.
  3. The used car industry is in disarray — Though there are certainly some struggling used car dealers on the market, the industry as a whole is doing terrific. In fact, used auto sales have been on the rise for seven consecutive years.

Again, don’t let anyone tell you that you should spend way more money on a new vehicle when there are so many excellent cars available that have already been broken in. If you want to learn more about busting these auto industry myths or simply find terrific pre owned cars here in Indianapolis, give Auto Sales and Service a call right away! We will help you find the perfect used car for your budget.

3 Costly Mistakes to Avoid If You’re Trying to Improve Your Credit Score

By admin | Posted in Uncategorized on Tuesday, July 3rd, 2018 at 8:36 PM


Handling your credit isn’t something that was taught in high school, though it probably should have been. Now it’s on you to do everything in your power to keep your credit score high and your debt low or non-existent. Taking care of your credit isn’t easy, however, and there are all kinds of mistakes that people make resulting in even poorer credit.

Here are some costly mistakes to avoid in order to improve your credit or keep it in good standing:

  • Paying bills late — This is the most obvious mistake but it happens all the time. Even paying a bill a day or two late can ruin your credit score and your credit history. That’s why all the 18-year-olds across the country who are making late payments aren’t just ruining their current credit score, they are jeopardizing their future credit score as well. Payment history accounts for 35% of an individual’s credit score and late payments can lead to serious financial issues. No matter what, be sure to pay all your bills on time.
  • Purchasing expensive new vehicles — One of the biggest mistakes people make when attempting to fix their credit is spending a fortune on a new vehicle. If you’re focusing on improving your finances and strengthening your credit, buying pre owned vehicles is a much better option. Used cars actually make up three out of four automobile sales across the United States. Though you can certainly acquire newer vehicles with quality bad credit auto loans, you’ll have a much better chance at landing an effective and affordable used car, with or without a bad credit auto loan.
  • Not paying attention to credit score — Ignoring your credit score can inadvertently ruin it. Since fraud and inaccuracies can occur to anyone at anytime, you need to constantly be checking your credit history. If you notice any suspicious activity, file a report with the credit bureau and call your bank immediately.

If you want to learn more about managing your credit, find affordable pre owned vehicles, or receive a quality bad credit auto loan, give Auto Sales and Service a call today.

Trying to Buy a Car With Bad Credit? These 3 Tips Should Help!

By admin | Posted in Uncategorized on Sunday, July 1st, 2018 at 8:11 PM

Bad Credit Auto Loans

Everyone loves getting a new car, but that can be quite difficult to accomplish with bad credit. Thankfully, there are plenty of ways to get a car with bad credit auto loans.

Here are some great tips for dealing with bad credit auto loans and actually acquiring a solid vehicle with poor credit:

  • Don’t ignore pre-owned vehicles — For some reason, many people associate used cars with poor performance. Maybe that was the case a few decades ago, but it certainly isn’t true anymore. Used cars have just about all the bells and whistles that newer vehicles have and are much more affordable. Additionally, Certified Pre-Owned vehicles tend to generally have less than 36,000 miles on them, so you’ll be able to drive them for a very long time.
  • Find a suitable lender — Figuring out how to get an auto loan with bad credit is much easier when you’re working with a lender that accepts applications with all kinds of credit levels. Obviously, if you’re trying to deal with a lender that only works with individuals with excellent credit, you’re going to have some trouble. But there are plenty of quality lenders out there that will work with you to get a solid vehicle. Keep in mind, you don’t have to work with the very first lender you find online — it’s best to shop around for quality auto loans so you compare prices. Try to do so with a time frame of 14 to 45 days in order to avoid damaging your credit even more.
  • Be ready to negotiate — Just because your credit is bad doesn’t mean you have to take whatever unfavorable deal is presented to you. There are hundreds of reasons why someone’s credit could be lacking, so it’s unfair to punish them with poor loans and high interest rates. You have to stay reasonable with your terms, but make sure you’re ready to negotiate with not only the auto loan lender, but the dealership as well.

If you are ready to get a quality vehicle and visit a great used car dealership — as well as make the most of any bad credit auto loans — give Auto Sales and Service a call today!