When it comes to buying a car, timing is everything. But what if you can’t afford to buy the car you want when the right time comes? Your next course of action is to take out an auto loan. But what if your credit rating does not meet the lender’s criteria? Are there other options you can try?
Well, there are a bunch. However, if you don’t do your homework before you set out to find a car loan, you could very much end up getting into trouble. Here are some of the most common myths you should never believe when looking for a solution to your car buying problem. You Can’t Get Pre-Approved for a Loan There’s a huge chance you won’t get pre-approved for a car loan with a low credit score. Yet, there’s still a chance that you will get pre-approved. In fact, some lenders would take into account other factors aside from your credit score, such as you current and future income. Read more from this article: http://bit.ly/2xOatsr.
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4/27/2018 0 Comments Tips on Improving Your Chances at Getting Approved for Auto Loans for Bad CreditHaving bad credit is bad news primarily because it can affect your financial credibility. Any plans of making major purchases will have to be put on hold until you rehabilitate your credit scores, because otherwise, lenders will not be as willing to help you out.
Then again, that’s precisely the thing that people most often overlook: lenders will not be as willing to help you out—only. Having bad credit does not automatically disqualify you from making a loan. In fact, you can still have a go at it and try, although you just have to manage your expectations and brace yourself for a rejection. Still, know that there are those lending institutions or entities that do provide assistance for people in need of a good loan, but have bad credit. Should you ever find yourself in this situation, know that there is still hope for you. Here are some simple but effective steps to help you get approved for auto loans for bad credit. Read more from this article: http://bit.ly/2xOhkC9. Pickup trucks usually have the reputation that they are only for those people who expect to tow and carry massive hauls of cargo on their vehicles on a regular basis. Otherwise, you’re much better off getting a crossover SUV, van, or sedan. However, this should not preclude you from looking into purchasing a pickup and enjoying the many benefits you can derive from owning one. Here are some reasons that should convince you that you’re better off checking out the inventory for trucks for sale instead.
Road Durability Inclement weather is one of the biggest dangers of being out on the road. With a pickup truck, you’d be glad you have all that extra horse power in your hands as you make your way through ice, snow, flood, mud, and more. Read more from this article: http://bit.ly/2M4Npca. When it comes to car maintenance, many car owners are primarily focused on maintaining what’s under the hood. This means that their car’s tires are an afterthought—usually until something goes wrong. Fortunately, having tires replaced in Portland is a simple process thanks to auto dealerships, like McLoughlin Chevrolet, that have their own auto service centers. After you’ve had your tires replaced, you’ll definitely want to make sure that your new set lasts as long as possible. Contrary to what you may initially believe, extending the lifespan of your tires is a relatively simple task, as long as you follow these quick tips: Keep a Close Watch on Tire Pressure
One of the fastest ways to wear out your tires early is by ignoring tire pressure for long periods of time. Tires need to stay inflated at the recommended level for your vehicle to ensure your tires are able to handle the stress of the car’s load. Otherwise, your tires may suffer from uneven tread wear. Take the time each week to use a tire pressure gauge to check the air pressure in each tire. If you are unsure of how much air should be in your tires, you may check the recommended level by consulting a small sticker attached to the side of the driver’s door. Avoid Overloading Your Car It can be difficult to avoid overloading your car in certain situations, such as when you’re moving into a new home or you recently just purchased something large like a sofa or refrigerator. However, make sure you don’t overload your car often. An overloaded car tends to place unnecessary stress on your tires. As you can imagine, regularly overloading your car can easily wear out your tires prematurely, as well as other parts of your car like your suspension. The effect only gets worse if you drive overloaded vehicles on bad roads. Inspect Your Tires for Debris Rocks and other debris can easily get stuck between the tread of your tires. It may not seem like much at first, but having debris stuck there reduces the tread’s ability to wick away heat generated by the friction from the road. Aside from small rocks, you should also try to look for nails or screws that you may have run over. These can easily lead to air leaks that mess with the tire pressure. If you find any, you can easily take your car to any service center to have your tires vulcanized. Have a Mechanic Rotate Your Tires Tire rotation refers to having your front and back tires switched. Why do this? It’s because tires tend to wear out unevenly on a natural basis, with the front tires wearing out faster since these tires are subject to the movements of the steering wheel. To extend the lifespan of all four tires, it’s best to have an experienced mechanic rotate your wheels after every 5,000 to 8,000 miles. This assures you that your tires are wearing out evenly, helping you avoid having to replace a pair of tires more often than the other pair. About McLoughlin Chevrolet: McLoughlin Chevrolet is proud to be one of the best auto dealerships serving Milwaukie, Portland, Beaverton, and Hillsboro, OR. Aside from offering a wide range of new and used cars, we also have an in-house auto repair service. McLoughlin Chevrolet is proud to have certified mechanics dedicated to providing top-notch auto service for all Chevrolet vehicles. Sources: How to Extend Tire Life, consumerreports.org Tips to Maximize Tire Life, goodyear.com Pickup trucks have such a commanding presence on the road, thanks to their build and speed, that it’s no wonder many people prefer to have this giant of a machine compared to sedans or SUVs. If you’re one of those who have recently been convinced that a pickup truck is precisely what you need for a rugged life on the road, here are some tips that could prove helpful for you when you go shopping for a truck.
Identify Need The first thing you should seriously think about is whether or not you do have actual need for a pickup truck. Given its massive size, you can expect a much more different requirement for its maintenance as compared to other vehicle types. Unless you are going to be carrying tons of loads on it, or won’t be doing routine deliveries of cargo for hundreds of miles regularly, then you’re probably better off with a compact or midsize truck. Read more from this article: http://bit.ly/2xNReiV. Having your own car can be considered an essential necessity, especially if your work is not exactly commutable, or if you have children to bring along. Sometimes, though, there can be certain obstacles to getting your own car, such as the dreaded bad credit score. Most people think that a bad credit score or history automatically disqualifies them from being able to take a car loan—or any loan for that matter. While it’s true that it can be difficult to convince a lender to shell out money for you given your financial management history, it’s not necessarily a hopeless case. As a matter of fact, there are bad credit car dealerships that essentially are there to provide a chance and help for those who need to buy a car but have low credit ratings. Of course, this help still runs on a two-way street; you have to be able to hold up your end of the bargain, too. Here are some helpful tips so you can improve your chances. Improve Your Credit
Correcting or improving your credit score is not going to be an overnight task, but you can at least chip away at it little by little. If you have any existing loans, you can try paying off the more affordable ones first so that at least you lessen the number of loans that you have. Some people insist on paying off the big loans first, but this can take up a lot more time, which could further delay you into making your car purchase. Prioritize instead the ones that you can easily check off the list—even if the amount may be small, it’s still going to ease up a lot of the burden on your credit. Hold Off on Expenses On top of clearing away the debris from the wreckage that is your credit rating, you should also help it further along to recovery by holding off on making any other major purchase. From this day forth, keep your eyes on the prize—that is, the car that you will be taking out a loan for. Besides, you’re still clearing debts so you really shouldn’t be adding onto it anymore. Essentially, you’re clearing up space in your credit so you could have some room for the car loan. Work with the Right Dealership It’s important that you find the right dealership to work with so you can get the help you need in getting that loan approved. Companies like McLoughlin Chevrolet do provide assistance to clients with bad credit on how they can get approved for car loans. Don’t hesitate to seek out their help. About Mcloughlin Chevrolet: Mcloughlin Chevrolet is a proud trusted retailer of GM vehicles, with a comprehensive inventory for both brand new and used cars, reliable auto services, and financing options meant to ease the process for our consumers. Do get in touch with us so we can help you find the best option for your car needs. Sources: How to Get a Car Loan with Bad Credit. Bankrate.com. 12 Tips for Buying a Car with Bad Credit. TheBalance.com. Buying a vehicle tends to become a very serious consideration to make if only for the cost that it poses to the buyer. It’s an investment of sorts, after all, and it’s something that literally holds your life in its hand when you’re on the road. If only for these, you should take great care in choosing the right vehicle for you. If you’re the type who needs a lot more space in your vehicle, but also would prefer not sacrificing its power, you might as well take a look at diesel trucks in Portland retail shops. What is diesel?
First and foremost, diesel is a type of transportation fuel, which powers vehicles that use internal combustion engines. It’s important to be sure of the real definition of diesel because it can help you make the better choice as regards the kind of vehicle you keep. Diesel Pros You’d commonly see diesel being offered up against petrol. It’s ultimately yours to discover and determine which type of fuel your vehicle would need, but ideally, you should weigh your options and considerations already even before you hit that DECIDE button. Among the foremost advantages of diesel over other types of fuel is its cost efficiency. In fact, it is so efficient that it uses up 15 to 20% less fuel, which means cheaper running costs for you. These savings could also be furthered should you decide to eventually sell your diesel vehicle, as they usually sell at a higher resale value than others. Apart from that, big trucks usually get a bad rap for being big and loud, which also means more pollution. However, diesel trucks have much lower CO2 emissions. So if you’re the type who is conscious about the amount of carbon footprint you leave behind, this is definitely something you could consider switching to. Best of all, diesel vehicles prove to have much better overtaking power, thanks to their low-speed torque. It also provides for better towing capacity. It’s also perfect for highway driving, because it doesn’t take a lot of power for them to get cruising. Now consider all of those benefits from diesel and keep in mind that you’re getting them on top of a spacious ride that lets you haul whatever you need, no matter the distance, whatever the type of road. If you want that kind of value for your money, you should visit trusted auto retailers for GM vehicles like Mcloughlin Chevrolet, so you can choose from among the various diesel trucks they have in their inventory. About Mcloughlin Chevrolet: Mcloughlin Chevrolet is a proud retailer and service provider of everything related to the GM brand. From sedans and family vans to diesel trucks and SUVs, you can count on us to provide you with topnotch automotive retail services in Portland. Entrust us with the care and maintenance of your GM vehicles. Sources: Diesel vs. Gas Trucks. USNews.com. When is a Diesel Engine Worth the Extra Money? AutoTrader.com. Buying a new car is an exciting time, regardless of whether this is your first time or you are looking to trade in an older vehicle. Don’t let the excitement get the best of you though. Sometimes, getting too excited can prevent you from obtaining the best possible deal from your local dealership. Fortunately, setting yourself up for a good deal is relatively simple. Follow these four tips and you’re sure to get a fantastic price on new cars for sale, netting you more bang for your buck: Get Pre-Approved for a Loan from Your Bank
The first step you’ll want to take should happen before you even take a step inside a dealership. Head over to your bank and get yourself pre-approved for a car loan. Pre-approval will give you a clear idea of the maximum amount of money your bank will loan you to help with your purchase. Not only does this mean you are able to set a clear budget, but it also helps show the dealership that you are a serious buyer instead of “just a window shopper”. This can be beneficial because the dealership may be more open to negotiations with you, especially if they are trying to hit a quarterly quota. Base Computations and Negotiations on Sale Price While looking at new cars for sale, you may be mesmerized by the jaw-dropping monthly rates that are on display. As appealing as these monthly payments may seem, be sure to ask about the length of the payments. Sometimes, rock bottom monthly payments are the way they are because you’ll be paying for five years or more. When you compute whether you can afford the car that has caught your eye, make sure you ask about the actual sale price of the vehicle. If possible, try to negotiate the shortest payment period that you can afford. Mention Your Trade-In Once You’ve Decided on the Price Many car buyers use trade-in options to help pay for their new purchase. If you are planning on trading in a vehicle, try to keep that information in your back pocket until the last minute. When negotiating the price of a vehicle, it’s best to play your cards close to your chest. Do your best to negotiate the price as low as possible and if you believe you can’t get it any lower, that’s the time to mention the trade-in. This way, you can get the maximum value of the vehicle you are trading in. Don’t Forget to Factor in Resale Value When buying a new car, it may seem premature to think about the resale value. However, this is an important factor to consider if you plan to get a new car as soon as the new car is fully paid off. Choosing a vehicle with good resale value is an advantage because it means you get more out of the resale, whether through a private sale or trade-in, which helps finance a larger chunk of your next car. Choose a brand, like Chevrolet, that has good resale value. Once you’ve identified that, try purchasing a vehicle from that brand that offers the best resale value, such as the Chevrolet Silverado. About McLoughlin Chevrolet: McLoughlin Chevrolet is proud to be one of the best auto dealerships serving Milwaukie, Portland, Beaverton, and Hillsboro, OR. We offer a wide range of new cars for sale from Chevrolet and used cars from various brands. Visit our dealership and experience the McLoughlin Chevrolet difference today! Source: 2018 Best Resale Value Awards: Top Ten Cars, kbb.com Today’s cars are equipped with over a dozen safety features, all of which are designed to reduce, if not completely prevent, the physical injuries you could sustain when accident occurs. Of all these features, however, the most critical is the brake system, and it’s quite easy to understand why. When a car traveling over 60 miles per hour suddenly hits a stationary object, like a post or a tree, the impact can generate enough force to throw your body several meters to the front of the vehicle at almost the same velocity, assuming you’re not wearing any seatbelt. And even if you are wearing your seatbelt, your body will still be subjected to such a massive force. By stepping on the break at least 100 yards before you hit the object, all that force will be reduced to 0 because it’s just about the leeway needed to get your car to slowly come to a standstill. All that force can be absorbed in a few seconds, saving your life and the lives of your passengers. This is why it is important to always check the condition of your brake system before you hit the road, and when you notice something strange, you have to deal with it right away. Here are some signs that your car’s brakes are going bad and you have to replace them right away. Read more from this article: http://www.mcloughlinchevy.com/blog/2018/april/12/are-your-brakes-going-bad-these-are-the-signs-that-you-need-a-new-set-at-once.htm. Road safety should always be your priority when you get behind the wheel. Beyond making sure that everyone on board wears their seatbelts, or that there is sufficient gas in the tank, or that the brakes and all other pedals and gauges are working well, there is the matter of car tire care. Especially if you are going on a long drive, you must not forget about checking on the condition of the tires. They can literally mean all the difference in ensuring that you arrive safely at your destination. Even if you’re just driving short distances, however, you should also still make the effort to check your tires. Here are some of the more important things you should take note of when doing so: Check Air Pressure Your tires should have just the right amount of air pressure; too soft and it can flatten out, leaving your car unable to run. If it gets too filled with air, then it could have a hard time responding to your navigational commands. Ultimately, your tire’s air pressure can have an impact on your vehicle’s handling and braking power. A monthly check-up should be ideal, but if you feel that it could already need some more air pumped into it, don’t hesitate to check it out. Read more from this article: http://www.mcloughlinchevy.com/blog/2018/april/11/helpful-tips-to-care-for-your-vehicle-tires-from-portland-dealership.htm. |
about usMcLoughlin Chevrolet is your number one Chevy dealer serving Portland, Oregon and nearby areas. We have the widest array of vehicles available, so whether you’re looking for new or used cars, electric cars, trucks, SUVs, and more, we have them. We even have the parts and service to help keep your Chevy in tiptop shape. Our flexible financing schemes ensure that you get to drive home the car of your dreams, regardless of your financial standing. What more can you ask for? Feel free to use our online search tools to find the car you want, then drop by our location to test drive the car and seal the deal. Archives
November 2018
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