Tag Archives: bad credit

What Should You Know Before Going Into a Dealership?

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Car buying is incredibly intimidating.  There is a lot of unknown factors at play about what one should or shouldn’t know or have done before setting foot inside of a dealership.  Here is some advice that we have on what someone should do before they come into purchase a vehicle.

  • Know your credit score:

It is important to know what that number is, because that number is the determinate of many things.  You need to know if that score is low or not, don’t just guess about it.  This is also a good time to go through that credit report to find out if there is any misreporting that you can take action in correcting.  By getting this information removed, you may be able to get your credit score up at a vital moment before buying.

  • Have a Down Payment Ready:

Being able to put money down is going to benefit you.  If you have the money to put down, it increases your chances of approval and may get you a better interest rate.

  • Know your options:

Research the dealership and know the price range of the vehicle type you are looking for.  Many, like Bayside Chrysler Jeep Dodge, have websites that let you browse their new and used selection.  As long as you have an idea of what kind of vehicle you need, you can see the price range of options.  Bear in mind that while you might have the perfect vehicle picked out online, it may be different once you see it and take it for a test drive.  Have an idea of what you want, but be ready to change it.

At Bayside Chrysler Jeep Dodge, we want to help you make your dream of owning a great car a reality, and we will work with you to find the right car to fit your needs. You can get pre-approval, check out our monthly specials, and shop our online inventory by make, model, and year. Click here to visit our website today, or stop by and visit us in person at 21219 Northern Blvd in Bayside, NY. You can also get our latest deals and news by following Bayside on Twitter and Facebook and subscribing to our YouTube channel!

Things to Know About Auto Loans

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Getting an auto loan isn’t the easiest thing in the world. There is a lot of things to know that most people would never know unless someone told them. Here is a few tips that we recommend you understand before you go out to get a loan.

Figure out what you can afford. Keep your finances in mind when looking for a car. You may have to make cutbacks and settle for a lower priced car in order to ensure you make the monthly amount. Make sure that you get a loan with a monthly rate that is easily affordable to you. If the amount owed is something you’d be stretched to make, then it might not be the right car for you.

Know your credit score. That number goes miles in the car loan world. By knowing what it is, you’ll potentially be able to get better rates. A credit score is important and is something a person should be constantly aware of.

The score can be effected by negative reports. This is why it is recommended that you search through your credit report on a regular basis to remove any wrong information. Even the slightest detail can make a large impact on the overall credit score.

There’s plenty more tips that we will be recommending in the future. Use whatever online resources you can find to help make the auto loan process easier on you. Until next time.

If you need help with financing, contact us at Bayside Chrysler Jeep Dodge.  We’ll work with you to find the right possible loan to suit your situation.  We love to say yes, you’re approved!  Like us on Facebook and follow us on Twitter to see our monthly news and special offers.

Advice for Getting an Auto Loan with Bad Credit

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For anyone struggling with bad credit, getting an auto loan can be a hassle. We here at Bayside Chrysler Jeep Dodge want to do everything we can do to help you in the process of achieving the goal of getting an auto loan even though you have poor credit. Here’s a few pieces of advice that can benefit you.

First, and foremost, is to check that credit score. There are numerous resources available to people letting them know what their score is. This is a vital number. It is the difference between you walking away with a great deal on a loan and a car and not. Know that score before coming to the dealership.

Now that you know that score, now make sure it is accurate. It is a hassle, but one that I assure you pays off in ways you never knew of. Look at anything that is negatively impacting your score and if it doesn’t belong on the list, then get it removed. Piece of wrongful reporting that is being attributed to you negatively can drag down your score and in the process drag down what you can get in an auto loan.

When it comes to keeping the score down, look to your overdue bills. Now, paying them in full is good, but as long as you can demonstrate to the bureaus that you are paying off bills and debt in regular fashion, that can lead to a positive reflection on the score. They are not just looking for if you paid off debt, but if you are dependable in paying off debt. So while you may still have overdue debt, as long as you have a plan in action, which can still help.

There is plenty of more ways you can help yourself, but these are good ones for beginning. Keep checking back for more advice.

If you need help with financing, contact us at Bayside Chrysler Jeep Dodge.  We’ll work with you to find the right possible loan to suit your situation.  We love to say yes, you’re approved!  Like us on Facebook and follow us on Twitter to see our monthly news and special offers.