1330 E. St. George Ave. Linden, NJ 07036 908-486-9858

Can You Rebuild Your Credit With A Used Car Loan

Used Car Loans - A Credit Tool You May Not Have Known About

Sometimes through no fault of your own, you may have bad credit. The economy, a job loss, medical bills, or other factors could have contributed to your current financial situation. But just because you have bad credit now doesn't mean that it will always be this way.

You can take steps to improve your credit score almost immediately by making all your household bills and payments on time and in full. Another option to help improve your credit score is to get a used car loan. A used car loan can help rebuild your credit in several ways.

First, when you make timely monthly payments on your loan, it will reflect positively on your credit report. This will help to gradually improve your credit score over time.

In addition, the act of getting a loan and making payments on time can show creditors that you are responsible and capable of handling debt. This can make it easier for you to get approved for other types of loans in the future, such as a mortgage.

Of course, not all used car loans are the same. To maximize the positive impact on your credit score, you'll want to get a loan with reasonable terms. This means getting a loan with a manageable monthly payment that you can comfortably make without straining your budget.

You may also want to consider a cosigner for your loan. A cosigner is someone who agrees to be responsible for the loan payments if you default on the loan. Having a cosigner can help you get approved for a loan with more favorable terms, which can in turn have a positive impact on your credit score.

Although a used car loan can be a great way to rebuild your credit, it's important to remember that there is no quick fix when it comes to credit scores. It takes time and effort to improve your credit score, but the rewards can be well worth it in the end.

Used car loans can help rebuild your credit, but there are also some risks to consider. Your interest rate will likely be higher than someone with good credit. This is because you're considered a higher risk borrower.

You may have to put down a larger down payment than someone with good credit. This is because the lender wants to minimize their risk in case you default on the loan.

If you default on the loan, the lender can repossess the car. This will damage your credit even further. You should only take out a used car loan if you're confident you can make the payments on time. Otherwise, you could end up doing more harm than good to your credit score

Are you in the market for a car and am not sure what the next step is? Contact us either by phone or fill out a vehicle inquiry on the car you are interested in, we would be more than happy to help get you anyway we can.

Buying A Truck What Should You Look For

Did You Fall In Love With That Truck?

We know the feeling.

It could be as simple as finding a truck that you like and handing over your hard-earned cash but, as anyone who's ever bought a used car will tell you, it's never quite that simple. Obviously it needs to fit your budget but more importantly it has to meet your needs

What are you going to be using your truck for?

  • Towing and Hauling

  • Off-Road Use

  • Business Use

  • A Daily Driver

The mileage of the truck is going to be a big factor when deciding on which truck to purchase. You may not know the full history of the truck but if you can ask the dealership or prior owner what they used it for. It they used it for anything other than a daily driver then mileage may not be as big of a factor.

If you don't have direct knowledge of how the truck was used, then you will have to put more emphasis on a mechanical inspection. Cars that have been used to tow or haul will show signs of a well-worn tow hitch, a severely bent rear license plate or a cable for wiring trailer

Do You Like To Go Off-Roading?

The previous own may have too! There will be tell tell signs of an off-roading enthusiast. Muddy or sand filled floorboards, a missing or bent front license plate, and large tires are all good indicators that this truck was taken off the beaten path.

You should also check for any damage to the undercarriage. Any dents, scratches, or cracks in the frame can mean that the truck wasn't properly taken care of or worse, it was in an accident.

Will You Use It For Business Use?

If you plan on using your truck for business purposes, then you'll want to make sure that the truck has been properly maintained. A well-maintained truck will have all of its service records. This way you can see if it has had regular oil changes, tune-ups and other required maintence.

Is It A Daily Driver?

If you're looking for a truck to be your daily driver, then you'll want to find one that is comfortable and has all the features that you're looking for like heated seats, Bluetooth, an infotainment system, etc. You should also take into account how often you'll be driving in stop-and-go traffic. This type of driving will make your fuel economy suffer, so you'll want to find a truck with good fuel economy.

A truck with a manual transmission may not be the best choice if you're going to be sitting in traffic everyday.

The bottom line is that you need to decide what you're going to use your truck for before you start shopping. This way you can narrow down your choices and find the perfect truck for you.

 

Stuck On The Side Of The Road - You're Not Alone

Emergency Roadside Kits - A Friend When You Need One

We've all been there before. You're driving along, minding your own business, when suddenly you get a flat tire. Or your engine starts making strange noises. Whatever the problem is, it's a pain - and it always seems to happen at the most inconvenient time.

That's where emergency roadside kits come in. A good roadside kit can help you get out of a bind, no matter what kind of trouble you find yourself in. Whether you're on a road trip or just driving to work, it's important to have all of the supplies you need in case of an emergency.

It's not just you who will benefit from an emergency roadside kit. if you ever have to help another driver who is stranded, you'll be glad you have a kit to lend them. They will appreciate the fact that you were prepared and able to help them in their time of need.

What should you include in your emergency roadside kit?

  • Flashlight, flares, and reflective triangles will help other motorists see your car

  • A first aid kit is an essential part of any emergency roadside kit. Be sure to include items such as bandages, gauze, antiseptic wipes, and pain relievers. Check for expiration dates on your supplies periodically.

  • Jumper cables. One of the best options is a self contained jump box that doesn't require another car. They typically contain charging cables for phones and other small electronics, too.

  • A tire inflator can help if you have a flat tire. You may also want to include a small can of fix-a-flat.

  • A quart of oil and a gallon of coolant will help if your car starts to overheat

  • Tools like a screwdriver, pliers, and a wrench will come in handy if you need to make minor repairs

  • A blanket. Although you would think this would only be necessary in the winter, a blanket can actually be helpful all year round. If you have a breakdown at night, the blanket will keep you warm until help arrives. Also hypothermia can set in quickly, even on a warm day.

  • Small umbrella. In case you get stranded in the rain, an umbrella will help keep you dry

Emergency roadside kits can be a lifesaver when you find yourself in an emergency on the road. They are perfect for any vehicle, whether it's your own car or someone else who needs help and is stranded by the side of the highway.

Every situation is different, so you'll need to use your best judgment when deciding what to include in your roadside kit. But these items are a good place to start. With a little bit of preparation, you'll be ready for whatever the road throws your way.

Got stuck on the side of the road one too many times? Well, you're certainly not alone. In fact, research shows that 1 in every 4 drivers will experience a car breakdown at some point this year.

Thinking About Trading Your Car?

We have a wide selection of cars, trucks and SUVs to choose from. If you're not sure what you're looking for, our team of experts can help. We'll work with you to find the perfect car for your needs and budget.

Old Car Technology That's Now Considered Standard

Car Technology Advancements That Make Life Easier For Drivers

Are you old enough to remember when air conditioning and powered windows were optional car features? How about when you had to manually unlock your doors? If you are, then you've seen firsthand how far car technology has come in just a few decades.

Nowadays, we can't imagine owning a vehicle without them. In fact, new cars are loaded with all sorts of tech gadgets and creature comforts that make the driving experience more enjoyable. Here are just a few of the car tech advancements that have made life easier for drivers.

Automatic Climate Control

Curbside Classic

"Cadillac released Comfort Control, the world’s first fully automatic climate control system in 1964. This system is an amazing accomplishment and a reminder of how GM and Cadillac really once were the standard of the world"

If you wanted that type of luxury you had to pay a pretty penny for it. Nowadays, you can find automatic climate control in even the most basic of cars. This feature keeps the temperature at a preset level, so you don't have to adjust it every time the weather changes.

Cruise Control

Another oldie but goodie is Cruise Control. Great for long road trips when you don't want to wear your foot out by constantly pressing the gas pedal. It also helps you save on gas. Just set your desired speed and the car will maintain a consistent speed, as long as you keep your foot off the brake.

Wikipedia

"Modern cruise control (also known as a speedostat or tempomat) was invented in 1948 by the blind inventor and mechanical engineer Ralph Teetor.[4][5] He came up with the idea due to being frustrated by his driver's habit of speeding up and slowing down as he talked."

Heated and Cooled Seats

Another comfort feature that has become standard in many new cars are heated and cooled seats. This is a welcome addition for those who live in climates with extreme temperatures. Heated seats warm you up on cold days, while cooled seats keep you cool on hot days.

Backup Cameras

Did you know that backup cameras originated in 1956? Although backup cameras have been around for years they started to become more popular in the early 2000s.

Backup cameras are a lifesaver, literally. They help you avoid accidents by giving you a clear view of what's behind you when you're in reverse.

Wikipedia

"1956 Buick Centurion concept car, presented in January 1956 at the General Motors Motorama. The vehicle had a rear-mounted television camera that sent images to a TV screen in the dashboard in place of the rear-view mirror."

If you've ever tried to parallel park in a tight spot without one then you know what a pain it can be. a backup camera can be a lifesaver.

Tuesday, May 1st, 2018 - The Day Backup Cameras Became Standard

Car And Driver

"If you’re shopping for a new vehicle and it doesn’t have a backup camera or the feature costs extra, then it was built before Tuesday, May 1st, 2018. That’s when the safety device became standard on all vehicles made for the American market."

Although backup cameras have been around for years they started to become more popular in the early 2000s.

Keyless Entry and Start

Just like other car technology , keyless entry and start has been around for a while but it's only recently that it has become standard in new cars. This feature allows you to unlock and start your car without ever having to take your keys out of your pocket.

What Car Technology Is Next To Become A Standard Option?

Here are some other options that are starting to move their way from the luxury category into the mainstream. The average car buyer may not be able to afford all of these features right now, but eventually, they may become standard.

1. Automatic braking

2. Lane departure warning

3. Blind spot monitoring

4. Park assist systems

5. Adaptive cruise control

6. Heads-up displays

One of the most popular car technology trends is the inclusion of hands-free capabilities, such as Bluetooth and voice-activated controls. This allows drivers to keep their hands on the wheel and eyes on the road while still being able to control.

Do you have a car with outdated technology?

It might be time to trade it in. You deserve the latest technology in your car – and we can help make that happen. We have a huge selection of cars to choose from, and we’ll make sure the process is easy for you.

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