1) When you go to the supermarket you have a budgeted amount you are willing to spend so, why would you go to a dealership without a budget?
As a General Motors and Hyundai Product Specialist and former Finance Manager I see buyers do this everyday. They come into the dealership without knowing what is the best price they can get for the vehicle. On top of
this they don't know what interest rates they qualify for before coming to the dealership.
Not knowing best vehicle price + Not knowing interest rate = You Pay more!
Regardless of what type of credit you have you should always research and know the vehicle price and interest rate you qualify for before you enter any dealership. You can accomplish this by getting a FREE Auto Quote and
FREE Auto Loan Quote before you visit the dealership.
Doing these two activities before visiting the dealership will save you both time and money. As well as make your auto buying experience better. Because no one really likes going to the auto dealer.
In fact I'm sure most people would rank the experience last on their preferred list of things to do, just above going to the dentist to get a root canal.
2) Not All dealerships are Created Equal - Know which dealerships offer programs for perfect and less than perfect credit.
Any dealership can deal with a person with perfect credit. However, not every dealership can handle individuals with less than perfect credit. By getting a FREE online auto loan quote you gain the following advantages:
a.) Find dealers that work with all customer types regardless of credit. b.) Get approved for a vehicle loan regardless of credit. c.) Know exactly what type of autos you qualify for.
3) Know what's on Your Credit Report before you visit the Dealership.
There's nothing worse than walking into a dealership and expecting a 5% interest rate and then having me, the Finance Manager quote you 21%. I've had to tell countless people this and some of them are upset as if I
personally had something to do with what rate they qualify for and what is on their credit reports.
The truth is that you are responsible for your credit score, which largely determines what rate you qualify for. I rarely have any problem with customers who are educated about their credit scores because they already know
the rates and types of autos they qualify for.
My advice is to get your FREE Credit Report and find out your credit score before you go to the dealer. This will allow you to know what rates you qualify for and to see exactly what good and bad things may be lurking on your
credit report.
The advantage of submitting an online auto loan quote is that dealerships will automatically contact you with the types of autos you are approved for regardless of your credit.
4) Entering a FREE online auto loan quote gives you access to multiple dealerships without traveling -- saving you time, gas and money.
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