Who You Should Bring Along When Shopping for Used Cars

Shopping for used cars can be a daunting experience. With so many makes and models to choose from and with so many ways to finance your vehicle, going it alone can make you feel less confident than you normally might. To make your experience more pleasant, we have some tips about who you might bring along as you shop and take test drives, as this may help you make a more confident purchasing decision.


Your Spouse


Having your spouse along with you as you shop for a used car might make you feel comfortable in terms of helping you decide what kind of car best suits your needs as a couple or a family. You can also bring them to help you keep track of your paperwork and for moral support as well, especially if this is your first time buying a used car on your own.


Your Mechanic


If you have a good friend who is a mechanic, they can be an invaluable individual to have along when you’re browsing used cars. You can ask them questions about which models have the best track record when it comes to safety and reliability. Taking them on test drives might also help you understand and identify any unfamiliar noises you might hear.


Your Adult Children


Having your adult children accompany you on your used car shopping trips can be extremely helpful, especially if you have not purchased a vehicle in some time and are now a senior. They can help you make decisions about which finance option is best for your budget and assist with filling out paperwork if you find yourself running low on energy. If you are not familiar with today’s technology, your kids can help a dealer explain features such as GPS, Bluetooth capability and more.


Shopping for used cars can sometimes feel overwhelming if you go it alone. Bringing along a spouse or a loved one can help you feel more confident that you are getting the most for your money.

Your Guide to Financing a Used Car

Whether you have a tight budget or you just want to save money on a new set of wheels, there are several reasons why you might opt to buy a used car instead of a new one. Whatever your reasons are, the fact is that you may still need financing. Financing used cars is often more difficult and more expensive than financing new cars, but by using the following tips, you can walk away with a used vehicle loan with fair rates and even better terms.


Be Prepared


Because lending on a used car is inherently riskier for lenders than lending on a new car, the terms and rates on a used vehicle loan are generally short and high. The best way to get a loan that you’re satisfied with is to be prepared. Know what you can afford, know your credit score and have proof of income printed and ready to show. In fact, do the dealership one better and talk to your local credit union about financing. Because you already have a relationship with them, they may be more inclined to offer competitive terms and rates.


Fix Your Credit


If you need financing for a used vehicle, check your credit score before you head to the lot. If it’s less than 620 or even 650, take measures to repair it. Though it may take you a few months to do so, it will be well worth it when you can save thousands on interest.


Avoid Bad Credit Dealers


Sure, it may be easy to get a loan from a bad credit dealership, but only because they know that you’re desperate and are willing to pay an arm, a leg and quite possibly your first born for a used car. Buy Here/Pay Here lots generally charge higher-than-market interest rates and sell vehicles for significantly more than what they’re worth. Protect your wallet (and your dignity) and steer clear of these types of sellers.


Financing a used car is not impossible. Be prepared, fix your credit and shop wisely to find the best rates and terms possible.

Why You Should Select Used Cars Over New Cars

There are a myriad of reasons to choose used cars over new cars when it comes time to replace your current car. Opting for a used car eliminates the car losing significant value as soon as you drive off the lot, the options are endless and your insurance rates and fees can be substantially lower.




A major reason to choose a used car is because of deprecation. As soon as you drive your brand-new car off the lot, the value plummets significantly. The only way to avoid this massive decline in value is to choose a used car. Unfortunately, cars are horrible investments and it can be hard or impossible to get back everything you paid for your car.


Endless Options


The options are endless when it comes to used cars. No matter what type or style of car you are seeking, you are bound to find a used car to suit your needs. If you have a dream car that you cannot afford to purchase new, the chances are high you will be able to find a reasonable price for a used version. Additionally, if your dream car is no longer made, you can still purchase it used!


Lower Insurance Rates


On top of all the other benefits, the insurance costs are far lower with used cars then new cars. Insurance companies’ base rates off your cars value and having a new car can leave you paying outrageously high rates. Even if you do not visually notice a difference between a one year-old car and a brand new one, your insurance company definitely will.


Used cars can be far more cost effective and less of a risk to purchase. Cars should not be thought of as investments because new cars lose almost half of their value as soon as you drive them off the lot. With all the options and styles to choose from, you are bound to find the right used car for you.

Three Surprising Ways to Save With Used Cars

Many people prefer to save money by opting to purchase used cars. This move can be economical for several reasons, even beyond a person’s original intentions. Buying used cars has benefits more than the original reduction in sticker price. The other documents that a person has to arrange might also be cheaper for used cars. Overall, owning a used car can save owners serious money in a number of ways.


Reduced Fees


Local governments have started to reduce the costs associated with registering a used car to encourage residents to make an eco-friendly move. Associated fees can change from province to province, so anyone interested in benefiting from such policies should check to see the relevant costs stipulated by the government.


Less Insurance


Used cars might also pose less of a risk to insurance companies, leading policy providers to charge less. A car that has less value statistically needs less coverage, even if it already is a great deal. The savings could then be passed on to the consumer, who receives a discount in the long term for choosing to buy a used car. After a long enough time, a driver might not need to purchase whole categories of insurance.


Retain Value


Used cars have already depreciated some value, and they are unlikely to mimic that same loss in such a rapid time. When a person buys a used car, it can maintain its value more easily. Driving a car that does not rapidly reduce its value can grant its owner some peace of mind. Additionally, used cars can be sold again after a few years with little to no significant loss in value, as they mostly depreciate before someone sells them.


Used cars can be a great deal for many people, and, in additional to their economical pricing, they can have

Tips for Buying Your Teenager a Used Car

When your teenager reaches driving age and wants a car, you will probably have many decisions to make. Not only will you have to compromise with your teen when it comes to what you will pay for and what make and model is acceptable, you will also have to consider which used cars are the safest for him or her to drive. If you’re ready to buy your teen a car, we’re here to help with a few tips that might make the processes easier.


Think Simplicity


While your teenager probably has a make and model already in mind, you may want to make some boundaries clear before you start browsing used cars together. Not only will price be a factor, but it can be expensive to insure teen drivers as well. Their age and inexperience make them a considerable liability to many insurance companies, so choosing a no-frills vehicle may help you save money.


Do Your Homework


While we can help you choose a safe used car for your teen, it might also help if you perform some research on your own before you visit our lot. Take the time to discover which used cars have the best safety ratings, which ones have additional safety equipment that might keep your child safer and which are the least expensive to operate. The more you know before you begin to look at individual cars, the easier it might be to arrive at a decision.


Prepare Your Teen for Test Drives


Even if you will be doing much of the legwork and putting up the cash for your teen’s car, you may still want to prepare him or her for what will be involved with test driving vehicles. Teach them what to look and listen for and help them prepare a list of questions to ask our sales associate for during and after a test drive.


Buying your teenager his or her first used car doesn’t have to be a headache. Compromise, research and careful planning can all ensure a more enjoyable buying experience for you both.

6 Questions to Ask Used Car Dealers

The purchase of a used car is major monetary investment. There are risks involved, such as buying a vehicle with hidden flaws and mechanical issues. However, a potential disaster is avoidable when you ask dealers the right questions. With a little due diligence on your part, you’ll walk away with the right car for the best deal.


  1. Is This a Certified Pre-Owned Vehicle?


Certified used cars give you an added peace of mind. These vehicles undergo extensive inspections. Additionally, these autos are covered by a manufacturer’s warranty.


  1. Do You Accept Trade-Ins?


Trading in your current vehicle has two major benefits. One, you avoid the hassle of selling it yourself. Second, your car’s value is applied toward the used automobile, which lowers your payment.


  1. Is There a Discount for a Cash Purchase?


Buying your vehicle with money is a win-win situation. With a cash only deal you can buy the auto below the sticker price. In turn, the dealer gets a quick sale and money on the spot.


  1. Where Was the Car Purchased?


Dealerships acquire used cars from a variety sources. The common places include other dealers, rental car companies, customer trade-ins and auctions. Knowing where an automobile comes from gives you a complete picture of the vehicle’s maintenance and ownership history.


  1. Can My Mechanic Perform an Inspection?


Trustworthy dealers have no problem allowing your mechanic to look over the auto. Your repairman can spot existing problems as well as potential hazards.


  1. Have You Performed Maintenance Checks?


Used cars often sit on a dealer’s lot for weeks or months. In many cases, repairs and maintenance checks are conducted during that time. If there is any recent work done, it helps you cut the cost on future repairs.


Reputable dealers look forward to answering your questions. The more you know about a used auto, the better. Asking questions helps ensure your dream car doesn’t turn into a nightmare.

Alternative Financing Options for Used Cars

When you are looking at used cars, one thing to consider is how you are going to finance the one that you choose. Not everyone can get financing from a traditional vehicle finance company, so they have to explore alternative financing options for their next vehicle. Learning more about the options available will save you some time and hassle with it comes time to pay for your next car.


Peer-to-Peer Financing


This is a vehicle financing option that many people do not consider because they think it is only for things like college tuition or business startup costs. However, there are peer-to-peer websites that have options for personal loans to help with things like securing the necessary financing for a vehicle.


Credit Union Loans


If you belong to a credit union, you may be able to look into their vehicle financing options. Those who are members of credit unions and have an established relationship may find getting an auto loan from them is easier than getting a loan from a traditional finance company.


On-Site Financing


Our on-site financing options are typically more flexible compared to the options offered by traditional vehicle finance companies. This means that you may have an easier time securing the financing you need with terms that best fit your financial situation. We will tell you about the documentation we need to help you with your financing. In some cases, having a qualified cosigner can also be helpful, especially if your credit history is short or your score is subpar.


You can see that there are options if you either want to avoid or do not qualify for traditional vehicle financing. Talk to our salespeople to learn more about the financing options we offer those buying used cars. This will help you to determine if alternative financing is the best choice for you to secure your next vehicle.

Getting the Best Interest Rate on a Used Car

You’ve found the perfect used car for your needs and budget and are ready to hammer out the final details. If you won’t be buying the car outright, you’ll need to finance it, which means paying interest. To avoid paying more than necessary for used cars, you’ll want to keep your interest rate as low as possible, which you can easily do with a few good tips.


Think About Financing Through the Dealer


While you might think financing your car through a dealer is automatically more expensive, the truth of the matter is that doing so could net you a pretty solid deal. This is because dealerships can offer incentives like zero-percent financing and other specialized low rates. Check to see what’s on the table before you think about financing elsewhere.


Consider a Certified Pre-Owned Car


It seems counterintuitive, but older cars usually come with higher interest rates when compared to newer models. Instead of thinking you’re better off with a new model, consider the fact that dealerships sometimes have zero-percent interest specials on their certified pre-owned cars. Be sure to ask about them as you’re walking up and down the aisles checking out cars.


Consider Your Term Length


If it’s at all possible, get a car loan with the shortest term length possible. The reason for this is that a shorter term length equals a shorter repayment length, which means a lower amount of interest paid over the life of your loan. Another great thing about getting a term length as short as possible is that you don’t have to worry as much about being upside down on your loan, which is what happens when you owe more on your car than it’s worth.


As you can see, there are several things you can do to keep the interest rate low on your used car. Be sure to put these tips to good use.

4 of the Best Used Cars for Rough Winter Weather

When it comes to Canadian car owners, dependable all-weather performance is usually a top priority. You may not be able to afford the newest model, but there are plenty of excellent used vehicles available at a much more affordable price. One of the perks of buying used is that you have the benefit of hindsight. New cars might roll out of manufacturing with unseen issues, and even model-wide defects; pre-owned vehicles have not only been individually vetted, their entire model has already been driven and reviewed by both consumers and automotive experts. Here are four of the most highly recommended winter-friendly models to look for:


2006 – 2013 Toyota Corolla


The Corolla is probably one of the most reliable compact cars available, and you should be able to find a wide range of them for less than $10,000. For this price you get front-wheel drive, four-cylinder power, and an all-around great vehicle.


2007 – 2010 Suzuki SX4 AWD


If you are looking for something with a little more space, this Suzuki hatchback may be the right choice for you. This SUV handles well, has ample cabin space, good visibility, and is a very popular used car for those looking for a cost-conscious purchase.


2008-2011 Subaru Impreza


If you can afford at least $10,000, the Subaru Impreza is probably the best candidate in this list. In addition to AWD, available options might include heated seats, sunroofs, and even steering-wheel mounted audio controls in newer models.


2004 – 2010 Volvo XC90


Even used, this stylish SUV will probably cost between $15,000 and $20,000, but it also has quite a few attractive features, including: standard AWD, available V8 versions, heavy-duty handling capabilities, seating for seven people, and solid Swedish design.


Whatever type of pre-owned car you looking for, working with a certified dealer is crucial for protecting yourself against a poor purchase. Let our team help you get started on your search for the perfect “new” used vehicle today.

Four Advantages of Dealership Financing

Every car buyer wants to get the best financing rates possible. With banks, credit unions, and financing companies all competing for loan business, it can difficult to know what lender will provide the best loan terms. If you are searching for car loans, you might be surprised to find out that often the dealership offers the best option for automobile financing. Here are four advantages of getting a loan from the car dealership.


Financing Deals


Dealerships frequently offer promotional deals that other lending institutions don’t. If you can take advantage of one of these programs, you can save a tremendous amount over the life of your car loan. For example, a dealership might offer zero percent interest for the first year. That kind of deal can save you thousands of dollars.




Most dealerships sell many cars each year. Most of those cars require financing. Because they are in the business of selling financed cars, most dealerships now exactly the kind of loan terms they can offer and accept. This can help you get a better deal, even if you have shaky credit.


Refinancing Options


If you secure a car loan at the dealership and later decide that you can obtain better financing elsewhere, you have the option to refinance. That’s because dealerships do not bind you to sticking with their loan. Many buyers find this flexibility to be a major draw when purchasing a vehicle.




Financing your vehicle at the dealership offers a tremendous amount of convenience for busy buyers. With separate financing, you might have to visit several lenders and complete many different applications. When you work with the dealer, you can take care of financing during the sales process.


When shopping for car loans, every buyer wants to get the best loan terms possible. Financing at the dealership offers many benefits for most buyers.