Used Car Shopping From Home

Are you thinking about purchasing a new to you car or truck? Your in  luck as we try and make it as easy as possible, from the comfort of your home. Here are a few ways that you can get started using the Web site to find the best used cars for your needs!

Browse our inventory

Whenever we get a new used car into our inventory, we review the used car from the inside out and make sure that we understand everything that is going on with the used car. We then record details about the used car, take pictures of the interior and exterior, and post this information online to our online inventory. Then, when customers begin their used car search, they can simply visit the inventory section of our Web site to get started with their searches. This online inventory helps customers to get a good idea of what used cars we have in stock – and helps them to see what features and options are available on used cars these days.

Credit application

Many of our customers buy their used cars with the help of a used car loan. We proudly offer competitive used car loans that are designed to make all of our used cars affordable for everyone. These used cars loans are even available for customers with bad credit or no credit. However, in order to get a used car loan, our customers need to be sure that they first complete the credit application. We have a secure credit application available online so that our customers can begin it from the comfort of their homes or offices.

Information

We post a wide variety of information about our dealership online so that our customers can learn more about our warranty programs, special rates and offers, and more. This information can help our customers to become comfortable with our policies and services before they buy their used cars.

Contact us today to learn more about our dealership or to get started with your used car buying process right away!

Financing and Your Budget

When you start thinking about purchasing a used vehicle, you will want to figure out how much of a car payment you can afford. Not only will you have a car payment every month, but you will also need money to pay for gasoline, maintenance, and car insurance. Staying on budget is an important part of purchasing a car. You want to choose a car that you can afford.

Other than a car payment, you most likely have other large payments to make each month, such as health insurance, rent or mortgage, and other household bills. To figure out how much you can afford to spend on a car, you will want to calculate the amount of income you have and subtract your other expenses. This will be able to tell you how much you can afford to spend a month on a car payment and other vehicle expenses you may incur. Once you have figured out how much you can spend a month, you will be able to see what price point you can afford for a new car.

Once you have figured out what your price point is for purchasing a car, you can begin the search. When searching for a new or used vehicle, it is important to look around at car dealerships and look at different models. Take note of the ones you like and get a price for each one from your dealer. Make sure you are not setting your heart on a vehicle that is not in your price range. You want to make sure you are staying within your budget so that you can actually afford the vehicle.

Making a budget, before you go shopping for a new or used car, is one of the most important steps in this process. This way you will know how much you can afford to spend and you will know what price range to stay in. You will find that you will spend less time looking and more time enjoying your new, affordable car.

At Pioneer Motors Boundary we can get you approved for your  car loan, regardless of past credit. Apply today, get approved is usually 24 hours or less!

Current Trends Show that Sub-Prime Loans Are Available

If you are worried about obtaining a loan for a car because of your current financial situation, you may be in for a pleasant surprise. Today, more and more car buyers are qualifying for bad credit car loans. These loans may also be called “sub-prime” loans. People who have been in the market for a car, but couldn’t qualify for a loan are now finding that there are loans available.

As the world’s financial situation hit worrisome lows over the past few years, many buyers who had bad credit found that they did not qualify for loans. This had widespread effects that, for a time, made it even harder for people with poor credit scores to get loans. Recently, however, there have been more buyers finding it possible to get the loan they want for the car they need. Sub-prime lenders often have the funds or the access to funds that make it possible to provide loans for car buyers.

There is more good news for car buyers. Some buyers with poor credit histories have found that the amount that they qualify for is higher than in recent years. As loan providers, we are happy to offer our customers with better loan conditions, more money for their purchase, and lower monthly payments.

Some of these changes are possible simply because borrowers have been in better positions to repay their loans. Statistics have shown the number of late payments dropping. As lenders get the payments that they are expecting, we have the funds to offer more loans at better rates.

You won’t know what type of loan we can arrange for you if you don’t come in and give us a chance. With access to great financing options, We offer sub-prime loans to people who have been struggling with a lack of transportation. We’ll take a close look at your current situation in order to determine how to get you into a new set of wheels.

No Credit Car Loans: How They Can Work for You

Attaining no credit car loans may sound like a difficult business, but there are a few simple ways to maximize your chances of receiving a favorable loan. Be sure save up money for a down payment on the car, demonstrate your responsibility, and provide a cosigner for the loan.

Begin Saving Money

The smaller the loan, the less risky it is for lenders. In other words, if you are able to pay a substantial amount of the car’s asking price up front as a down payment, you will likely have an easier time finding a loan to cover the rest of the cost, regardless of your credit history. One of the best ways to save money is to open a bank account – with this account, you can gain interest, as well as starting to build your credit score.

Show Responsibility

The reason that finding a no credit loan can be tricky is that lenders have less evidence that you responsibly make payments on your debts. However, there are other ways besides a strong credit score to demonstrate your ability to make timely payments. Documents that serve as proof of employment, as well as paid bills, can demonstrate to la ender that you are responsible and able to make payments on time.

Have a Cosigner

Many lenders will require applicants with little or no credit history to provide a cosigner for the loan. The best candidate for this position is perhaps a spouse or parent. Having a cosigner on the loan reduces the lender’s risk, because if you should fail to make timely payments, the responsibility would fall to the cosigner. Keep this in mind as a very important reason to make all your loan payments on time.

Making the Loan Work

In the end, no credit car loans can make a world of difference when it comes to purchasing a car. When you have no credit and hope to take out a loan, it is crucial that you can save up a substantial down payment, show proof of responsibility, and have someone cosign your loan. With all of these elements in place, you are well on your way to owning that car.

When Your Car Gives Out

It can seem like auto problems come out of nowhere. One day you are driving along, not a care in the world, and the next your car just will not start. When this happens, and your car is beyond repair, it can mean that it is time for a new car. But what happens when you do not have the money for a new car? A loan is always an option, but if you have bad credit you may feel like you will not qualify for the loan you need. Luckily, bad credit car loans exist just for this situation.

Bad Credit Car Loans 101

A bad credit car loan is very much like a normal car loan, with a few small differences. This loan will qualify you for a vehicle that is in your budget. Generally, this means that you will be able to look at a wide range of used cars. Another key differences is that the interest rates on these loans are a little bit higher. While this may seem daunting at first, the overall total of the loan is lower, so the interest is not as big as a challenge to deal with.

Top Reason to Take Out This Loan

The best reason to take out a bad credit car loan is that you will be able to get the car that you need when you need it. Instead of throwing in the towel due to bad credit, this loan can actually help you to get your vehicle and even improve your credit. Depending on your credit score, taking out bad credit car loans can actually help you get your credit score a bit higher. When you make regular payments on your loan, your score will begin to reflect this.

Don’t let bad credit prevent you from getting the car that you need to survive. Consider bad credit car loans and in no time you will have the vehicle that you require while being well on your way to improving your credit score.

The Effects of Your Credit Score on a Car Loan

One of the reasons why people have to get bad credit car loans is because they have a bad credit score. ”Credit score” can be used to talk about a few different scores kept in your credit file, but the one that is most important when it comes to lenders is your FICO score. Knowing and understanding this score will help you when it comes to getting a car loan.

Credit scores range from 300-850. They are calculated using a complex system and are based on your credit history. Anything good in your history raises the score, while anything bad lowers it. Good things include paying on time and making good use of your available credit. Bad things include missed payments, going over your credit limits and accounts in collections.

When it comes to auto loans, a FICO score of 540 or less will usually put you out of the running for a traditional loan. You’re only option will be bad credit car loans. This is just a general rule of thumb. Some lenders have a higher minimum. However, it’s pretty standard that interest rates will be higher as the credit score gets lower.

Having a low score also means higher monthly payments and shorter loan times. Lenders charge more for a bad credit loan because the risk is higher. If you have a low score, it means you haven’t made payments on time or met your financial obligations like you should have. This tells the lender that you’ll likely default on this loan, too, so they do everything they can to minimize their risk, such as charging higher interest and having you pay off the loan more quickly.

Understanding the impact of your score before you get a car loan will help you to know what to expect. It’ll give you insight into how much negotiation room you have and let you know what type of loan you’ll likely qualify for.

Getting a Good Car Loan With Bad Credit

Cars are essential in today’s fast-paced world, but if your credit is poor, it can be difficult to secure solid car loans. With a little knowledge and creativity, however, you can find a loan that best fits your needs and budget.

Talk to the Dealer

We work with a variety of lenders and there is usually at least one who is willing to work with those who have subpar credit. Keep in mind that the interest rates tend to be higher, but there are ways to make this more bearable, such as getting a loan with a shorter term or putting more money down on the vehicle.

Get a Cosigner

If you know someone with good credit who is willing to cosign for you, this can help to get you a better loan. We can help you to determine how much of a savings you can expect when the cosigner’s credit is taken into consideration.

Consider a Slightly Older Vehicle

If you are on a budget, you can explore our inventory of used vehicles. With lower prices, it is easier to finance and get monthly payments that match your budget.

Save for a Larger Down Payment

A larger down payment works as a show of good faith for those working in our finance department. If you are looking for a used vehicle, work toward saving up 40 to 50 percent of the total cost as your down payment. For example, if you are looking to purchase a $10,000 vehicle, try to save a down payment of at least $4,000. This shows the us that you are serious and it reduces our overall risk should we extend you a loan.

Use this information to find car loans that will work for you so that you can secure your next vehicle. You should also make sure that you know your credit score before starting the process so that you know exactly where you stand.

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.

Where To Find Bad Credit Car Loans

There are several places where you can get a car loan, regardless of your credit, and some will be better than others. For instance, if you come down to the dealership and sit down with one of our finance specialists, then you can get the loan and the car that you want at the same time. Two things you want to look for in a lender is the loan availability and their reputation.

Loan Availability

Not every dealership, or other lender, can offer you a car loan if you have no or bad credit. This is why it is a good idea to check out our requirements and loan offerings before you start shopping for a vehicle. This can help keep you from finding the right car or truck for your needs and then not being able to purchase it. It can also help keep you from unfavorable terms because we can sit down with you and determine which available loan is the best for your needs.

Lender Reputation

The reputation of your lender can be important because it reflects the terms you are likely to get. When you get a loan from us, it is a good idea to ask any questions that you may have about the loan to ensure that you understand what is required of you, and of us, in the contract. This can help you get a better bang for your buck.

Finding bad credit car loans can be easier than you might think. We can help you find the car that you want for the financing options which will work the best for your needs. To find the best loans, please fill out our secure online credit application or to come to the best dealership and talk to one of our finance specialists.

These talented people can help you find the right options for your financial situation and help get you into a new car at the same time.

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.