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Three Things to Look for when Purchasing a Used Car

By admin | Posted in Uncategorized on Friday, May 24th, 2019 at 12:13 PM


Here’s the thing, most used cars have had an average of three owners. Used cars make up 75% of car sales in the United States. Buy Here Pay Here Car lots specializes in used car sales.

When you purchase a new car, it costs (on average) $35,000. That value of a new car drops over $1,000 just for driving it home that day. Used cars retain their value much better, and at Buy Here Pay Here Car Lots, you can find top quality used cars that will fit your budget at any credit score.

However when you are looking at buying or financing a pre owned vehicle, there are some important things to look out for. Here are a few of the most important things that anyone can inspect.


Visually Inspect the Exterior and Interior of the Car

While many people will take time to visually inspect the exterior for scratches, dents and other aesthetic deformities, not as many take the time to inspect inside. The interior inspection is just as important. Take note of any odors you notice while in the car, if the carpeting is in good condition, and how the vinyl is holding up. These are all factors that should go into a quality car inspection. Buy Here Pay Here Car Lots does a thorough inspection of the interior and exterior of used cars to ensure that all used auto sales look as good as possible.


Review the Vehicle History Report

Any used car dealership is required to show you a used vehicle report of any pre owned car you are looking to purchase. A vehicle history report will give you information about previous owners, any accidents the car has been in, and any other problems with the title. There are plenty of used cars at great prices (typically under $5,000) that have only been in minor fender benders. While shopping at Buy Here Pay Here Car Lots, be sure to ask our auto salespeople for the vehicle history report of any used car you would like to test drive.


Perform a Leak Test

One of the worst things that happens when purchasing a used car is driving it home only to find a leak in the engine coolant or an oil leak. Ask the used car dealer to perform a leak test while you are inspecting used vehicles (or perform one yourself). Performing a leak test is relatively simple. Take the vehicle for a drive for about 10-15 minutes and park it in a clear, dry area. Once parked, leave the vehicle running for 30-60 seconds, then cut the engine.

Get out of the car and look underneath for any dripping fluids. Dark spots may indicate an oil leak. Green fluid can indicate a leak in anti-freeze. Pink fluid is likely a transmission leak. Regardless of the color of leak, all leaks are indicative that the car is in need of repair, avoid any used vehicle that has a fluid leak.


Buy Here Pay Here Car Lots are proud to supply Indianapolis with fantastic used cars and help you get approved for financing regardless of your credit situation. Whether you are looking for a used SUV, used trucks, or any other used vehicle, stop on by and let us get you test driving some cars. Then you will be one step closer to owning a great automobile.

What NOT to Do When Buying a Used Car

By admin | Posted in Uncategorized on Monday, May 20th, 2019 at 8:12 PM

Buying a vehicle is a big financial commitment — fortunately, used vehicles can run just as well at a much lower cost. But buying a used car isn’t always easy and the process can be pretty complex. So to help ensure you find the right used car for you, let’s take a look at a few important things you should not do when car shopping.

Don’t start looking for a car until you know what you want. One of the biggest mistakes people make is looking for a car without knowing what they really want. Doing this can make the search for pre owned cars long and difficult. So before you start talking to local used car dealers, take a minute to think about what you really need. You need to figure out what size vehicle you want, what kind of gas mileage you’re looking for, and additional features you’re interested in so you can find the right car for your needs.

Don’t buy a car without knowing its history. With most used vehicles having an average of three previous owners, it’s important to know what kind of history the car has. While the test drive and the mechanic inspection may go great, it’s still essential to know the vehicle’s history report. This will tell you if there were any accidents, how many owners the car has had, and even any previous problems that you should know about. Knowing a vehicle’s history can help give you peace of mind knowing the car is worth the cost.

Don’t work with someone you don’t trust. Because used cars may have potential problems should be aware of, it’s important to buy a vehicle from someone you trust. So when you’re looking into local used car dealers, consider reviews, ratings, and even references. A used car dealer should be very upfront with all of the information regarding their vehicles and should never pressure you into making a purchase. So make sure you choose a dealer you feel comfortable with.

Hopefully, these few tips will help make car shopping easier. If you keep this information in mind, you’re sure to find a great new-to-you car in no time.

Get a Car Without Breaking the Bank Using These 3 Strategies

By admin | Posted in Uncategorized on Thursday, May 9th, 2019 at 10:05 PM

Purchasing a car can be a daunting task. However, investing in one’s own personal mobility is an absolute necessity for many people. The freedom and independence cars provide are impossible to put a price on. Nevertheless, these vehicles do have a price, and it can be an intimidating one. With the right approach, though, people can find it surprisingly manageable in the end — regardless of their credit. These three tips make for a much more financially attainable car buying experience.

  1. Go to used car dealers
    There is a reason that for the past seven years used vehicle sales have been steadily on the rise. According to a calculation by Nerdwallet, based on the average lifetime ownership of 13 total cars, a person who purchased cars which were only three years old would save about $130,000. This is an absolutely massive difference compared to buying new cars which will perform very similarly to their briefly-used counterparts.
  2. Take measures to maximize your credit score
    Here at Auto Sales and Service, we are happy to work with individuals who have struggled with their credit. Improving your score in the months leading up to your purchase can never hurt, though. To achieve the best credit score possible in your time frame, make sure to make payments on time and to use no more than 30% of your available credit, if possible. This will help you to get the lowest possible APR if you choose financing options for your car.
  3. Consider trying to pre-qualify for a loan
    Scheduling a meeting with your credit union or bank prior to visiting the used car dealer can give you extra peace of mind regarding how you will finance your vehicle. If you are a member of a credit union, or if you have had a relationship with your bank for a long time, it is likely that you will be able to pre-qualify for the loan you need.

For a dealership that offers pre owned cars at competitive prices regardless of credit history, visit Auto Sales and Service in Indianapolis, Indiana. There, you can find everything from service and repairs to help with financing, as well as an impressive array of vehicles to try out. Read the rest of this entry »

Which Factors Impact Your Auto Loan Interest Rates?

By admin | Posted in Uncategorized on Thursday, April 11th, 2019 at 11:58 AM


It’s no surprise that car buyers want to save as much money as they can when making a vehicle purchase. After all, the most frequently searched vehicle price range is $5,000 or less. Often, you can take advantage of car dealership specials or purchase pre owned vehicles rather than new models to save some money. Of course, vehicle financing can also help to make payments more feasible. But what exactly determines the amount of interest you’ll pay on your auto loan? Let’s take a closer look at the factors that are typically taken into account.

How Car Loan Interest Rates Are Determined

  • Credit Score: Your credit score does play a role in loan approval and loan interest rates. That’s not to say you won’t be able to secure vehicle financing if your credit is poor, however. It just means that your interest rates are likely going to be higher than what someone with excellent credit would be offered. The upside of this is that by making your loan payments on time, you can improve your credit score. In many cases, lenders will look at your credit history and may offer you a better auto loan interest rate if you’ve made those payments on time in the past.
  • Lender Choice: Your choice in lender can have a big impact on the amount of interest you’ll end up paying on your auto loan. You have a few different options here, as you can choose to finance your loan through a bank, a credit union, or directly through your dealership. In many cases, you may be able to receive an interest rate with more agreeable terms through car dealership specials than you might get from a bank or credit union. It pays to find out as much information as you can before making a final purchase decision.
  • Type of Vehicle: It might sound counter-intuitive, but new vehicles actually come with better interest rates in most cases. It really comes down to resale value. Used cars experience a more substantial value depreciation, which means you may end up paying a higher interest rate in the end. That doesn’t necessarily mean you should always choose to buy a new vehicle over a pre owned car, but it is something to keep in mind. Don’t forget that new cars are going to cost more in general, so it probably won’t save you money to automatically opt for a new car.
  • Size of Down Payment: If you’re willing to put more money down for a loan, the amount you owe on the vehicle will be less overall. That, in turn, will reduce the interest charges you’ll have to pay. You shouldn’t put down your life savings in order to lower your interest rates, but it’s generally a good idea to put down 10% of the vehicle’s selling price or $1,000, especially if your credit is poor.
  • Loan Terms: Keep in mind that the longer you have to pay off your loan, the more money you’ll end up paying in interest. Longer loans equal higher interest rates. The flip side of that is that shorter loan terms come with both lower interest rates and higher overall payments. You should aim to make your loan terms as short as possible while ensuring that these payments will be financially feasible for you.

Now that you know a bit more about how your auto loan approval and rates are determined, you can take steps to improve your credit score and make adjustments in other areas (like your vehicle selection) to obtain a loan with better terms. It won’t hurt to make good use of car dealership specials either, as these can allow your payments to be more affordable without sacrificing your ability to provide your own transportation. To learn more about our available vehicles or the car dealership specials we’re currently offering, please get in touch with us today.

Used Car Shopping? Take These Things Into Consideration

By admin | Posted in Uncategorized on Thursday, April 11th, 2019 at 11:48 AM


With the price of a new car averaging over $35,000 in the United States, it is no wonder that so many people are on the hunt for more affordable options. Used auto sales have risen over the last seven years, and they are not showing signs of slowing down any time soon. If you are searching for low cost cars, depend on us. We can even assist with an auto loan, getting you set up right in no time.

Know Your Price Range and Stick With It

Chances are you are looking for something within a specific price range. Know ahead of time what exactly you can afford and whether or not there is any wiggle room, should you find a good deal on a more expensive option.

Sticking to your budget is a key part of used auto sales and negotiation. Buying something you ultimately cannot afford will not benefit you at all. Stick with a certain price point, and you will be a lot happier down the line.

Do Your Research

Any pre owned car will likely have a history of around three owners, and the average age of any vehicle in the United States right now is around 11 – 12 years old. Do your research, so you know exactly what you are getting out of your vehicle and run a CarFax report to ensure you are not missing a thing.

That being said, it is important to note that around 10 million crashes occur unreported every single year, so your CarFax may not be telling you everything. All in all, research is important, but do not hesitate to go with your gut if something does not feel quite right.

Consider Your Needs

You may have found a great deal on that sports car you used to love as a kid, but is it really the practical option for your family of five? Or maybe that gas-guzzler is catching your eye, but is it a good choice for your long work commute? Probably not.

If you are buying a used car, money is likely not something you have a lot of flexibility with, so figure out exactly what you need, and make sure you are getting something that will bring you the most benefits for your specific lifestyle.

Rely on Our Team

Still have questions or feel uncertain about where to start? For the best used auto sales around, count on us every step of the way. Our team is eager to help you out.

New Vs. Used: 3 Reasons Why Pre Owned Vehicles Win Out

By admin | Posted in Uncategorized on Tuesday, April 9th, 2019 at 5:40 PM

Although many drivers can’t resist the allure of a sparkly new car, the data doesn’t lie: there were roughly 40 million sales of used vehicles in the United States during 2018. But why exactly are used auto sales so popular? In many ways, they make car ownership more accessible to the masses. And these days, you won’t take the risk of ending up with a lemon when you visit a used car dealer. In today’s post, we’ll take a closer look at three key reasons why pre owned vehicles often win out over new car sales.

  1. They’re More Affordable: To put it plainly, you’re more likely to get a great deal when you buy a pre owned car than you are when you buy a brand new model off the lot. Not only will the sticker price be less, but you’ll also end up paying less for insurance. Plus, you won’t have to bear the financial burden of depreciation. The original owner of the car will take that hit, which means your used car will retain more value comparable to how much you pay for it. Ultimately, this makes owning a car a reality for countless Americans who can’t afford the high costs associated with many new vehicles.
  2. They’re More Versatile: When you buy a pre owned car, you’ll open up a whole world of vehicles that you’ll suddenly be able to afford. These cars are in excellent shape, but they’ll also be within your price range. When you buy a new vehicle, you may find you’re limited in the makes and models of vehicles you can feasibly purchase. But when you consider used vehicles, you’ll probably discover that you’ll have access to both a higher quality and quantity of vehicles. You might be able to find a car in a unique paint color or have those high-tech features you’d otherwise have to leave off the list. You’ll benefit from a greater amount of versatility in your vehicle selection when you look for a used car.
  3. They’re More Flexible: This isn’t to say the cars themselves are more flexible — though their financing may be. When you buy a pre owned car that’s truly affordable, you may be able to opt out of needing a loan altogether. In other cases, you might not have to pay as much money down or can negotiate a shorter loan term than you might otherwise be offered. And with buy here pay here options, you’ll be able to secure your vehicle on the spot. In the end, that means that you’ll be able to get on the road more quickly and start enjoying all your vehicle has to offer right away. What’s more, many used car loan terms will make it so you’ll be less likely to owe more on the car than its total worth — a fact that can be devastating when the owner of a new vehicle deals with an accident or a theft. Between the lower cost and the flexible financing, you’ll be able to work out a deal that actually works for you.

Ready to buy a pre owned car for yourself and see what all the fuss is about? We’re here to help. For more information, contact us today.

Vehicle Shoppers Turning to Used Cars In Order to Save Money

By admin | Posted in Uncategorized on Saturday, March 9th, 2019 at 1:28 PM


Used vehicle sales make up three out of four automotive sales in the United States. Since newer vehicles are seemingly costing more and more each year, many more Americans are likely going to start searching for used cars for sale instead of shelling out a significant amount of money for newer models.

“With the gap between the average new and used monthly payments continuing to widen, we’re seeing more prime and super-prime consumers shift toward used vehicles,” said Melinda Zabritski, senior director of automotive financial solutions for Experian.

According to Experian Automotive’s finance report, the average new-vehicle monthly payment for the fourth quarter of 2018 was a record $545, up from about 6% from 2017. The average used vehicle monthly payment increased 4% to approximately $387.

That uptick in new vehicle cost is causing many prospective vehicle buyers, even those with excellent credit history who would otherwise qualify for new vehicle loans, to opt for used cars and save money.

“Historically, consumers have always shopped for vehicles based on monthly payment,” added Zabritski. “And, the shift to used vehicles is one option for people to keep their monthly payments manageable.

Despite the fact that more and more people are checking out used cars for sale, it’s still important to proceed with caution in order to drive off a lot with a quality vehicle for a fair price. Here are two great tips for used car buying in 2019:

  • Always be cautious — This is still a predatory industry and car buyers need to be really careful when they even begin the car buying process. Though there are plenty of legitimate dealers who want to help, there are plenty that would rather take advantage.
  • Get a professional opinion — It’s important to get an independent mechanic to look at the vehicle you’re thinking about buying before agreeing to purchase it. You should never buy a vehicle unless you know for sure it’s safe and reliable.

If you want to learn more about the benefits of owning pre owned cars or find some quality used cars for sale at trusted used car dealers, contact Auto Sales and Service Inc. right away.

Practicing Reasonable Wariness When Purchasing Pre Owned Vehicles

By admin | Posted in Uncategorized on Friday, March 8th, 2019 at 2:30 PM


The world of pre owned vehicles isn’t without tales of woe, that much is certain. It’s an unfortunate truth, but one we must square with. It’s even more unfortunate that these tales of woe usually eclipse the vast majority of perfectly wonderful purchases of pre owned vehicles.

However, with the average price of new cars in the United States surpassing $35,309, pre owned vehicles are becoming more attractive choices. Used cars are wonderful investments, but the purchasing process must be approached with a certain level of wariness. This wariness will protect you, your investment, and, ultimately, your safety. Let’s look at some ways to practice reasonable wariness during the used auto sales process.

Vehicle History Reports

Because a pre owned vehicle isn’t coming right out of the proverbial box, it’s smart to find out where it’s been and what it’s been through. If a dealer hasn’t gotten these reports already, that’s a good reason to be skeptical. Most places selling pre owned vehicles will have these as an assurance of quality. However, even if you do receive a vehicle history report, that shouldn’t necessarily be trusted on its own.

See It, Feel it, Bring Some Experienced Eyes

The vehicle history report might sparkle, but no report can perfectly tell you the quality of a pre owned vehicle without personal inspection and a good old fashioned test drive. You know what to look and listen for in a car when you’re driving it around even if you’re not an expert. There’s something to be said about the feel of driving a vehicle. When any warning flags are flying, ask to get the vehicle inspected by a trusted mechanic of your choosing. Finding damages only visible to trained eyes is important to determine the true value of a pre owned vehicle.

Do Some Snooping

Hop on Google and research the make and model of the pre owned vehicle you’re looking into buying. Are there any recalls to note? Check to see if those have been done and insist on seeing proof of repairs. Beyond this, try to gain access to contact information for the vehicle’s previous owner. They could have valuable information that a less than savory salesperson chose to omit to boost the vehicle’s value.

Shopping for pre owned vehicles isn’t a whole bunch of crooks trying to take advantage of you. Most of the time, buying pre owned vehicles is a smooth and worthwhile process. Still, remember to be wary of the few things we mentioned and you’ll have your bases covered from the beginning of the process to driving your pre owned vehicle back home.

5 Tips and Tricks for a Better Experience Working with a Used Auto Dealer

By admin | Posted in Uncategorized on Thursday, March 7th, 2019 at 2:45 PM

Many people think of the car buying process as being intimidating and not pleasant. A number of people buy used cars and trucks. The sales of used cars and trucks in the United States have been going up every year for the last seven years. If you are thinking about working with a used car dealer, you are not alone. Having a good plan before you go to look at pre owned vehicles can make a big difference.

  1. Go over your budget. Before you even start to think about buying a car or truck, you need to take a cold, hard look at how much money you bring in every month and what bills you have to pay. You should spend no more than one-third of what your household brings in every month. It is important to remember that the sticker price is only one thing you have to pay for. You also have to pay for insurance and to register your car or truck.
  2. Pull your own credit report with a fine-toothed comb. Before you talk to your bank, credit union, or the used car dealership, you should get a copy of your credit report. There are a few reasons for this. You do not want to be surprised when you are asking for a loan by anything on your report. There are also often problems and errors that can be removed from your credit report. It makes a lot of sense to look it over and deal with any inaccuracies you find before you ask for help to pay for your new car or truck.
  3. Get approval for a loan before you go to see used car dealers. It is true that the vast majority of new and used car and truck buyers finance their purchase with a loan they got at the dealership, you can get a much better deal if you want in with an offer from your bank or credit union. You should start your search for a loan with the financial institution you bank with. If you have a mortgage, the bank or lender that has that loan should be consulted before you talk to the finance department. A bird in the hand is worth two in the bush.
  4. Think about what you plan to use your “new” car for. There are a lot of reasons a person or family may need a new car or truck. Maye your current car or truck has reached the end of its lifespan and needs to be replaced. Maybe you need a truck to haul items around. Then you may just want a fun car to tool around in on the weekend. Knowing what you want to use the car or truck for can have a big impact on what make and model you end up selecting.
  5. Go in and take a look at the used cars for sale. Many people think of used car dealers as being similar to vultures circling their prey and ready to pounce at any moment. Used car dealers have a reputation for not letting prospective buyers leave a lot without making a purchase, whether they can afford it or not. The good news for would-be car buyers is that this is an outdated and inaccurate image. Car salespeople want to make their customers happy and not oversell them or get them a loan they cannot afford to pay back. They want to help and can be great sources of information. When you talk to used car dealers and give them your budget, they can and will help you stay under it by showing you only the cars and trucks you can actually afford.

Buying a car from used car dealers or other places can be a fun experience. A lot of people enjoy trying out new and different makes and models of cars and trucks. Thinking about it this way can take a lot of the stress out of the process of getting a new car or truck. A good attitude can go a long way when you are making a big purchase such as a vehicle.

6 Essential Steps for Buying a Quality Used Vehicle

By admin | Posted in Uncategorized on Friday, February 8th, 2019 at 3:08 PM


If you’re worried about money but are in need of a quality vehicle, make sure you’re looking at used cars for sale instead of paying full price for brand new vehicles. Pre owned cars in 2019 are still exceptional automobiles, since they are manufactured using the same technology as newer models. The only difference is most used cars have had an average of three owners, there are a few more miles on them, and they might not have the most updated bells and whistles, but they are still great cars.

Here are some important tips for not only finding used cars for sale, but purchasing a quality vehicle, as well:

  1. Get preapproved — Getting preapproved for a used car loan will help you figure out what you can actually afford and the interest rate for which you qualify.
  2. Get a credit report — Simply get a free credit report to determine your credit score before you start looking for used vehicles on the market.
  3. Write down exactly what you want — Start by making a list of all your wants and needs in a used vehicle. If you can find a car that meets around 80 or 90% of those needs — go for it!
  4. Narrow down your search — As you continue to research vehicles that will be perfect for you, start narrowing down and build a target list of vehicles that you want to purchase. Hopefully, you’ll be able to get that list down to four or five cars, which is much more manageable.
  5. Talk to the dealer — Once you arrive at a legitimate used car dealership, spend some time discussing prospective vehicles with a dealer. They are there to help you and will inform you of all the car’s great features.
  6. Go for a test drive — Make sure you always ask for a test drive before making a final purchase. You might end up hating the vehicle once you actually drive it, so it’s important to get a good feel for the car early on in the car-buying process.

If you want to learn more about finding used cars for sale, give Auto Sales and Service a call today.