It happens even to the best of people: they don’t pay attention to their finances, go about their merry way thinking that all’s good, until they make a transaction requiring a credit check. That’s when they realize not all is as good as they thought all along. The curse of the bad credit impacts a wide range of things in a person’s life, from their capacity to rent or lease out a property, or even to apply for a credit card. For those planning on buying a car, having bad credit can also be a huge problem. The most common misconception about it, however, is that you will automatically be disqualified from taking out a car loan. In truth, you can still apply for one, and in fact, with these simple tips, could even be approved for auto loans for bad credit. Help Your Credit If you already know that your credit is looking less than ideal, it’s advisable that you at least take steps to improve it even a bit. This way, you can work at softening the blow of your bad credit before you get started on your car shopping. Helping your credit means chipping away at existing debts, even if just little by little. Some would try and take out the bigger amounts first, but this could take a lot more time than if you work on the several smaller ones first. Read more from this article: http://www.mcloughlinchevy.com/blog/2018/april/9/helpful-tips-on-how-to-get-approved-for-auto-loans-for-bad-credit.htm.
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In today’s world, owning a car has essentially become a necessity rather than the luxury it once was. Fortunately, purchasing a car, whether brand new or used, is relatively easy thanks to the numerous loan options available. However, what happens when one has bad credit? Generally, bad credit often comes in with a score of less than 629. This can make it difficult for you to secure a car loan through conventional means. Keep in mind, however, that many factors are included in your credit score—including not having enough years of credit history. It may not seem fair, but it is the standard across lenders in the U.S. If you have been tabbed with bad credit due to not having an adequate credit history, there are a few options you can try if you still want to push through and purchase a car. One of the best options would be to visit bad credit car dealerships and securing financing from the dealership itself. Fortunately, many respected dealerships, such as McLoughlin Chevrolet, are more than happy to provide financing options to those with bad credit. Of course, this doesn’t mean that you can walk in unprepared and expect to get a proper deal right off the bat. You definitely want to prepare several documents and the like to help you get a better rate on your loan. Read more from this article: http://www.mcloughlinchevy.com/blog/2018/april/3/bad-credit-car-dealerships-tips-for-securing-a-car-with-bad-credit.htm. Pickup trucks are one of the most attractive options available in dealerships throughout Portland. After all, the power and size that pickup trucks offer car owners is almost irresistible. Unfortunately, the price tag of most pickup trucks can be quite hefty, which often dissuades many would-be first-time buyers. If you’ve wanted to own a pickup truck for a while, but simply don’t want to pay too much for one, you may want to visit a trusted dealership like McLoughlin Chevrolet and take a look at their used trucks. Many used trucks that are still in great condition come at relatively affordable price points, offering you more bang for your buck. Of course, the operative phrase here would be “great condition”. To ensure you are buying a pickup truck that can meet your needs, you’ll need to carefully inspect it before committing to buy it. Inspecting a used pickup is simple enough, especially if you know what you’re looking for. Read more from this article: https://www.mcloughlinchevy.com/blog/2018/march/29/used-trucks-for-the-first-time-buyer-tips-for-inspecting-a-pickup.htm. Owning a car comes with the duty to keep it well-oiled. True enough, you must know a thing or two about tune-up if you want your vehicle to be roadworthy at all times. However, you have to draw the line when the need for professional auto service comes. Trying to repair or update your car on your own may have a number of adverse consequences. It Might Nullify Your Warranty
Most cars, particularly those that were purchased from a dealership, have warranty issued by either the manufacturer or the dealership. Warranty can come in handy when you suddenly need servicing for your vehicle while on a tight budget. This perk, however, is usually valid within a certain period and for select types of service. A warranty can be nullified when the conditions set by the issuer are breached. Generally, a warranty remains valid until repair is performed by a non-dealer qualified mechanic, done not according to the recommended times in the logbook, or carried out using the wrong parts. Simply put, if you try to fix or update your car by yourself, you are running the risk of breaching the contract and voiding the warranty. Your Insurance May Not Cover It It’s not just the warranty that is at stake when you choose to go DIY on your car repair or upkeep. You also risk not getting covered by your insurance. Most insurance policies cover simple repair work on vehicles, but major ones like modifications to the wheels and exhaust system may need to be consulted with your insurer. To be safe, just send your car to a certified car service provider. You Need the Job to Be Done Properly The changes you do to your vehicle can have a tremendous effect on its performance and safety on the road. The only problem is that if you’re not a professional technician, there’s a chance that you can do more harm to your vehicle than good, which could cost you your lives and the lives of your passengers. It’s true that there are some repair jobs that you can easily carry out on your own, but the major ones have to be left to the pro. DIY Takes Time Tuning up a vehicle takes time, especially when a lot of work has to be done and the one to do them is untrained. If you don’t have an extra vehicle that you can use while the other one is under maintenance, DIY can cause real problem. So if you want your vehicle to be available by the time you need it, just send it to a service center. Depending on the kind and extent of maintenance your car needs, it may take just a couple of days to finish. Sometimes, the work can be done much faster. Yes, it may cost you a little bit more to send your car to a service center, but it’s worth it. The last thing you need is a car that is only bound to break down at the most inconvenient time. With professional auto service provided by a leading service center in Portland, such as McLoughlin Chevy, you’ll have peace of mind throughout every journey. About McLoughlin Chevy: Mcloughlin Chevy is a go-to resource for the best Chevrolet models at MVP prices. When you visit our showroom, you’ll see a wide selection of Chevy units, each boasting great features that will make every journey fun and safe. We also offer GM certified used cars, parts, and accessories. When it comes to car repair and maintenance, there’s no better place in town that you can send your vehicles to than our service center. Sources: 8 DIY Car Maintenance Tips You Can Handle – Checklist, moneycrashers.com What Does an Auto Mechanic Do?, learn.org It is no secret that Americans throughout Portland and the rest of the country have a longstanding love affair with pickup trucks. After all, the size, functionality, and power that trucks offer is definitely attractive both for work and leisure. Buying Tips If this is the first time you’ll be buying a pickup truck, you may feel a little lost due to the various diesel trucks available. In this case, make sure you carefully read this First-Time Buyer’s Guide to help you find the perfect truck for your needs and budget: Purpose of the Truck Start off by asking yourself why you want a pickup truck in the first place. There are many reasons why someone would want to invest in diesel trucks, from helping transport products for business or hauling a trailer for a camping trip. Understanding why you want a pickup truck can easily help narrow down your options, allowing you to focus on models that are best suited for your purposes. Read more from this article: https://www.mcloughlinchevy.com/blog/2018/march/22/diesel-trucks-how-to-make-a-unit-last-and-other-tips-for-first-time-buyers.htm. It can be almost impossible to get preapproved for a car loan when you have a bad credit. That’s because lenders and financial institutions are also protecting their interest. They don’t want to invest their money in a credit that has a high risk of default. How a Bad Credit Car Dealership Can Help
If your low credit score is preventing you from getting the best deal on a car loan, you still have one more (and probably the last) option—to go to a bad credit car dealership. This is a type of dealership that offers financing to buyers, specifically to those who failed to obtain preapproval. Just because you have this option, however, doesn’t mean you’ll let your credit rating continue to dwindle. You have to do something to get back on track. Take note that your credit score will affect not just your ability to take out an auto loan but also other major financial transactions you’ll make down the road, so you have to reinstate your creditworthiness. Repairing Your Damaged Credit Score Here are some tips that can help you repair you credit score: Gather the Facts. When it comes to your creditworthiness, it’s ill-advised to base your decisions entirely on presumption. Don’t just assume that your score might possibly be low because you’ve been behind on your bills and other loan payments. You have to know for sure the impact your setbacks had made on your credit. There’s no place better to get this information from than the major credit bureaus—TransUnion, Equifax, and Experian. They usually give a free credit report, which reveals your credit history and the rating it amounts to. This report, however, is not always accurate. Sometimes, it contains errors that can have a detrimental effect on your rating. So as you try to collect the report, also check for errors that might be inappropriately dragging your rating down. Start Paying Off Your Remaining Debts. With all the information you’ve obtained from the credit report, make a list of all of your accounts and check recent statements to determine how much you owe on each account. Also check the interest you’re being charged with. Create a payment strategy that prioritizes debts with the highest interest, but also make sure to maintain minimum payments on your other accounts to pay off everything within a predetermined timeframe. Doing these will not only increase your chance at recovering from the financial downturn you’re currently going through, but it will also provide access to more financing opportunities. In fact, it would help to get these tasks done even before you head to a car dealership to take out bad credit auto loans. This way you can prove at the very least that you’re doing your best to make your financial situation better. This proactive approach can also serve as a guarantee for the car dealership that you will indeed comply with the conditions of your contract. In effect, you’ll make your car purchase even smoother. About McLoughlin Chevy: As your total automotive resource in Oregon, Mcloughlin Chevy works hard to provide the most recent Chevrolet models and world-class car services. We also offer GM certified used vehicles, parts, and accessories. Whether you’re eyeing out for the new Chevy model lineup or get the most desirable value for your trade, we’ve got you covered. Are you having difficulty getting pre-approved for a loan? Not a problem, because we offer bad credit auto loans as well. Sources: How To Catch Up on Late Payments, thebalance.com How to repair my credit and improve my FICO Scores, myfico.com 3/19/2018 2 Comments Common Truck Problems You Should Know How to Handle before Buying Trucks for SaleAny vehicle, no matter how well-built it is or what kind of maintenance it requires, will eventually encounter some problems along the way. Even the best trucks for sale on a car dealership’s lot have some common breakdowns worth knowing about. To avoid the risk of getting stranded in the middle of the road without a backup plan, these are some truck issues worth noting and how to fix them: Issues with Brakes
The brakes play a very important part in the safety of the truck. The moment they cease to work like normal, driving the truck becomes very dangerous. Without good bakes, the weight and power of a big truck cannot be stopped and this could potentially lead to fatal accidents. Total control on the speed of a semi is a must, but the constant wear and tear on the brakes makes them one of the first truck parts to go. Regularly get the brakes checked by GM certified mechanics and replace the parts when needed. Tired Tires A truck’s tires take a lot of damage, especially when the vehicle is constantly used for long-distance travel on rough terrain. Over a quarter of all road incidents called in are due to tire problems, but this can easily be avoided. Before going out on a long drive, schedule a pre-trip inspection to check on improper tire inflation, missing or low thread depth. Thinking ahead is always a smart way to avoid any truck troubles in the middle of nowhere. Electrical System Problems New trucks are now equipped with electrical systems that require maintenance and repair once in a while. The system is integral for a vehicle to function properly and safely because it affects the battery and even the starting components. When the system is not 100% operational, the truck can cease to function altogether. These repairs should only be done by a professional or risk damaging the entire system and even voiding the current warranty if there is one. Fuel Systems on the Fritz Something as simple as forgetting to refuel the tank can cause problems on the road. These problems are all 100% preventable by simply double-checking the fuel gage before leaving for a trip. In case trouble does brew in the middle of a drive, stop, and call for roadside assistance immediately. Malfunctioning Cooling System When a truck’s cooling system starts malfunctioning, the root of the problem is usually in the system’s connections. The more connection issues, the more coolant leaks out of the cooling system. Identifying the issues can be hard for the untrained DIY mechanic, but pros at a trusted auto repair shop can spot the problems and fix them right away. Visit McLoughlin Chevrolet for Any Trucking Issues As one of the most trusted car dealerships in Milwaukie, OR, McLoughlin Chevrolet is the place to go for all your truck repairs and concerns. This GM Certified dealership is open from Mondays through Sundays so customers can visit anytime of the week. For more information about truck and car services give the office a call at 888-416-9485 or visit the website https://www.mcloughlinchevy.com/. Sources: The Most Common Types of Truck Repairs, TruckMasterPlus.com The 6 Leading Causes for Truck Breakdowns, NorthDixieTruck.com Purchasing a car is a large financial commitment. As such, it’s only natural that you want to purchase a vehicle that gives you the best “bang for your buck”. Although brand new cars are undoubtedly attractive, first-time buyers may benefit more from purchasing a used car in great condition. This is especially true if you do not have extensive experience driving a car. The entire process of purchasing a used car from car dealerships in Portland, Oregon may seem confusing at first. Fortunately, first-time buyers can take several steps to help ensure a smoother experience. With that in mind, here are a few steps you’ll want to take care of before you sign on the dotted line. Get Pre-Approved First Used cars often move fast, especially if you choose a car from trusted dealerships like Mcloughlin Chevrolet. The last thing you want to happen is to lose out on that “perfect car” just because you had to take a few days away to process your car loan at the bank. It’s better to get yourself pre-approved for a loan. Not only does this mean you are able to process your loan faster, but you’ll also have a clearer idea of what your budget is. Read more from this article: https://www.mcloughlinchevy.com/blog/2018/march/19/first-time-buyer-s-guide-to-purchasing-used-cars-from-car-dealerships.htm. Next to a home, a car is one of the biggest investments a person will make in their lifetime. The only difference between homes and cars is that most people stay in a single house for the rest of their lives while the average person will go through about 13 cars. With the need for a reliable set of wheels to make the daily commute a little easier, everyone should consider finding car dealerships that offer both new and used cars on their lot. Having the option to buy a used car can mean extra saving, but that isn’t always the case. Here are some useful tips to compare new and used car prices to get a better deal that fits a set budget: Tip 1: Consider Depreciation
Both new and old cars begin to depreciate after a few years. The difference is that the value of new cars tend to plummet faster than that of used ones. A new car can be worth $25,000 in the first year, but after three years its value drops to $15,000; that is a big loss in investment. However, a used car will be priced at $15,000 and after three years a little below $10,000; a smaller value is lost along the way. Tip 2: Check Your Credit Just because you have “bad credit” doesn’t mean owning a car is impossible. There are some reputable dealerships that aid potential car owners who have bad credit. The best way to bring down cost of down payment is to offer a trade-in for the current car. It is also good to remember that buying a used car with a low credit score may result in higher interest rates. A dealership can guide you through the process of car loan application even with a low credit score. Tip 3: Consider Cost of Maintenance and Repair Most new cars are offered with a manufacturer’s warranty. All repair and maintenance costs are free of charge for the first 3 years or for the first 36,000 miles, depending on the manufacturer. This equals to bigger savings on the repairs. This is a major benefit worth considering for customers who have enough budget to splurge on a new car. Used cars are usually dismissed because most car owners think they are buying the previous owner’s problem. This might have been true a decade or so ago but is no longer a problem with new used cars. Most cars are built to last over 100,000 miles before needing any repairs and maintenance, so even if it has exceeded the warranty, the vehicle will still be in excellent condition. As long as the dealership is trustworthy, there should be no issue on the condition and cost of repairs for a used car. About McLoughlin Chevrolet Come and visit McLoughlin Chevrolet to see the amazing and affordable new and used cars available. All the information you need to make a wise and confident purchasing decision will be provided. The perfect car that fits your budget is on the lot! Check them out yourself at the dealership that is open from 8:00 am to 8:00 pm, Mondays to Saturdays and 10:00 am to 7:00 pm on Sundays. Sources: Compere the Costs: Buying a New Car vs. Used, NerdWallet.com 4 Questions to Help You Decided on a New or Used Car, AutoTrader.com Just as your body needs blood and water to function properly, your car needs various kinds of fluid to operate as well. One fluid that is particularly essential to your car’s health is the motor oil. It lubricates the engine to reduce wear and friction as well as filter out contaminants, which could potentially harm the engine parts. Unlike gasoline, which is burned and replaced very often, oil can be resupplied into the engine over and over. However, oil isn’t made to last forever. Over time, it will accumulate debris and some of its contents will evaporate until all that is left is a thick, dark fluid that might cause severe damage on the engine. Here are some of the most prominent reasons why changing oil on a regular basis is crucial. Prevents Over-Heating Friction is the number one enemy of a car engine. This force created by rubbing two objects is known to produce heat. Unfortunately, a car engine works by forcing different parts to move and slide against each other, so you can imagine how much friction and heat it generates. By soaking these engine parts with oil while running, some of the heat generated by the moving engine parts are transferred to the oil, allowing the whole engine to cool down rapidly. Keep Particles and Sludge at Bay Your car engine is designed to be so compact that it has no room even for tiny debris. These debris, whether they come from an external source or from the worn parts themselves, can damage the engine as motor oil carries them around. This is why it is very important to have the oil replaced when it has already accumulated excessive amounts of debris. One good sign that the oil is due for changing is when the engine starts to make strange noises. Saves Energy and Increases Efficiency Dirty oil can slow down the engine because it no longer lubricates parts effectively. Regrettably, the amount of fuel the engine burns per given time remains the same. Meaning, the engine needs to work harder to accelerate when it has insufficient or contaminated oil in it. By changing your car’s motor oil regularly, you can enjoy speed and save fuel at the same time. Prolongs the Life of Your Car Don’t wait until every component of your engine gets all worn down before you send your car to a GM certified auto service provider in Portland for an oil change. Although some of your friends may suggest that you perform the oil change yourself, it is always better to have it done by a professional technician to avoid mistakes that might end up needing costly repair. Regular oil change can keep each part of the engine in top shape, consequently prolonging the life of your car. To make sure that you will be using the right motor oil on your engine, consult with a professional mechanic first. Usually, they’ll provide more information about oil change than the name of the best brand alone. If you’re lucky, they can even have a look at your engine and give some more professional advice, which most people could not get for free. About Mcloughlin Chevrolet: As a GM certified automotive service center, Mcloughlin Chevy is Oregon’s go-to resource for the best automotive car services, new or used vehicles, auto parts, and comprehensive information about the latest Chevy car models. Whether you want to purchase a new or pre-owned unit or simply want to experience our world-class auto repair and maintenance approach, you are welcome to stop by and check us out. "Honesty, Integrity is our No.1 Priority, When it comes to GM vehicles, you can count on us!" - Monty Eby - (Service Director – McLoughlin Chevrolet) Sources: What Does Motor Oil Do?, familyhandyman.com What is friction?, khanacademy.or |
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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