3 Ways Dealers Help You Find the Perfect Used Car

Despite popular beliefs, seeking the assistance of a dealer while searching through the multitude of available used cars is a smart move which any budget-conscious buyer should consider when in the market for a ride of any shape, size or brand. There are many ways in which using our dealership for assistance throughout the shopping process makes the whole experience simpler and much less stressful, but the top three include:

We Offer a Larger Selection

Whereas you may have to drive hours to view a single car when shopping among private sellers, our large selection of vehicles gives the ability to view many new cars at once, increasing your chances of finding the perfect used car quickly. This saves you time, money, and plenty of energy with which to enjoy your newly-purchased ride after the decision has been made.

We Offer Financing Options

In most cases, even used cars have financing options available for buyers of all backgrounds. This means that you won’t be restricted to one or two cars on the lot that fit within your immediate budget. Together, you and our expert staff members can work out a payment plan for practically any of our used vehicles, expanding your opportunities and helping to ensure you find the right car for your needs.

We Offer Quality

Aside from offering an excellent quantity of vehicles, we always ensure that our used cars present quality under the hood as well. Before selling cars to customers, we inspect the vehicle and make repairs as necessary to ensure you’re getting what you pay for: a reliable ride that’ll get you from one place to another without a hassle. When you find the right car, you’ll never have to worry about it being a lemon.

These are just some of the ways in which we can help you find your perfect used car and get you on the road again in no time. Check with us to learn more about your options.

Used Trucks Are Available in Many Styles and Sizes

It’s time to hit the road for a trip, but you’ve known for quite awhile that your current truck needs to be replaced. The days of its sleek finish are long gone, and it is hard to hear the radio thanks to the loud engine noise. You may have a lot of questions about your new set of wheels. We have the answers you need. Visit our dealership, and you will find a plethora of used trucks. We will help you pick a truck that fits your lifestyle and budget.

Before you visit, there are a few questions you can ponder. Think about how you will use your new vehicle. Will you need a compact truck, a mid-size truck or a full-size truck? A compact pickup truck might be right for you if saving money on gas is important. Compact trucks usually get better gas millage than larger sizes.

Do you need to be able to tow equipment or a boat? With a compact truck, you will be able to tow about 3,000 pounds. This truck can handle most boat towing tasks. If you have a larger boat, you may want to upgrade to a mid-size truck or a full-size truck.

Will you and a bunch of friends be heading to the lake for a fishing trip every weekend, or do you usually travel alone? It’s important to determine the amount of seating you will need in the cab section. A standard cab offers either one long bench seat or two bucket seats. It does not offer a second row of seating, but there is room for storage behind the seats. An extended cab offers a row of seating behind the front seats. This design offers either jump seats or a bench seat.

Most of our sales representatives have many years of experience selling used trucks. They are knowledgeable, friendly and will work hard to find you the right vehicle. Visit our website or call the dealership to learn more about what we have to offer.

Questions to Ask When Financing a Car

Getting approved to finance the car you want can be exciting. It is tempting to skim through the details of the loan and rush to the dotted line so that you can drive off in your next car. Before you sign, however, it is important to understand all the terms of the agreement between you and the dealership. Before you drive away, here are a few questions you might consider asking.

Are There Potential Penalties?

If you plan to pay only your monthly payment by its due date, you might not be concerned about prepayment penalties. If, however, you might decide that you want to make an extra payment one month or pay more than the minimum payment, it is important to understand how that affects you. Many car loans have penalties for paying the loan off early, so if you plan to do so, ask the dealership if you can change the terms of your loan to eliminate or reduce the penalty before you sign and agree to it.

What is the Interest Rate? T

he annual interest rate (APR) plays a large role in determining how much money you will ultimately end up paying for the car. Make sure you know your interest rate and whether or not there is verbiage in the loan that allows it to fluctuate so that there are no surprises down the road.

What is the Payment Schedule?

The timeliness of your car payments can affect your credit, so it is essential to understand your payment schedule. Before you sign, make sure that you understand how often you will need to make a payment and how much that payment will be. It is also a good idea to know the total number of payments you will make over the life of the loan so that you can calculate your total cost.

As exhilarating as buying a car can be, don’t let your emotions cloud your judgement. Know the facts of your loan agreement.

How Bad Credit Car Loans Can Improve Your Credit

Many of our customers come to us with bad credit and are trying to get a car loan. Having bad credit does not mean that you can’t get a car loan, like many of our customers initially think when they first contact us. In fact, you can not only get a bad credit car loan that suits you financial needs, but your bad credit car loan can actually improve your financial situation.

Here are a few things that you need to know about how bad credit car loans can improve your credit:

Car loan interest rates are based on credit

It’s important for you to understand how car loans work. More importantly, if you have bad credit, it’s important for you to be aware that your car loan rate will be based on your credit. When you have bad credit, you will be able to get a car loan, but the interest rate that you will be paying on that car loan will be greater than the interest rate that you would be paying if you were to have good credit. This is because lenders base their interest rates on several conditions, including economic conditions, the lender’s lending capability, and a borrower’s credit.

When you have bad credit, it is usually because you have made some bad financial decisions in the past – whether you are responsible for them or not. You may also not have a very long credit history, which could cause you to have bad credit. When you have bad credit, lenders can not have the same confidence in your ability to be financially responsible as they might have with a borrower who has good credit. Therefore, in order to ensure that they will receive a return on the money that they loan to you, the lender may charge a higher interest rate.

Bad credit car loans can improve credit

Bad credit car loans can improve your credit as long as you repay the loans because they will be showing lenders that you have developed a credit history and are capable of being financially responsible by repaying the loan on time and in full. Therefore, taking out a bad credit car loan can help to improve your credit and lower your interest rates in the future.

Contact us today for more information about our loan program or to get started with your bad credit car loan!

3 Tips for Buying Used Cars

Buying used cars can be a challenging endeavor, especially if you’ve never undergone the process before and don’t quite know what to look for or expect throughout the process. In some cases, inexperience can land you with a dud of a car. However, this doesn’t have to be the case. We’re here to help you understand how to properly shop for your used car, and to ensure you’re getting the best deal for your cash when you finally make the deal. For the best results when making your new purchase, consider the following when making your selection of our available options:

Don’t Buy More Than You Need

Even if you find a great deal on an SUV, minivan or truck, that doesn’t mean that you should buy more than you need. Assess your needs before selecting the used car for you. How far will you be traveling normally? How many passengers do you expect to have? What sorts of events or work will the vehicle be used for? These are all things to consider when selecting the right size and type of used vehicle for your future needs.

Know the Car’s History

We would never dream of selling you anything less than a great used car, but it’s always good to know a bit about the ride’s history, just in case. Prior accidents and other issues can greatly impact how a car, truck or SUV handles on the road, and should be taken into consideration before buying.

Be Aware of Your Budget

At the end of the day, we want everyone to happy with the deal that’s made at our business. In order to make that a possibility, you need to keep your budget in mind when making your selection. Even if one of our cars seems exceptionally undeniable in the moment, that doesn’t mean you’ll be able to afford the monthly payments down the road.

Therefore, be mindful of how much you can spend. By following these tips, you can make sure your next search for used cars is a successful one, and you find the perfect ride for your needs and your budget.

What to Expect When Going to a Dealership for Financing Assistance

Many Canadians who go to their dealerships for car loans or other financing help are doing so for the first time. As a result, they often feel nervous and may delay buying cars for longer than intended due to uncertainty. However, knowing what to expect in advance can make the process much more appealing.

Professionals Who’ll Listen to Details About Your Financial Situation

At our dealership, we help people from all walks of life buy cars they love. Regardless of if you come to us to start the process of getting approved for a loan, anticipate that you’ll speak to finance professionals who are ready and willing to hear all the details about your credit history, current budget and other relevant financial details.

An Explanation of All the Specifics You Need to Know

Car loans sometimes seem complicated to people who are not used to applying for them. While doing preliminary research about vehicle financing, you may have come across unfamiliar words and descriptions.

Rest assured that a dealership’s financing professionals take all the time required to ensure you understand the terms of your loan. The most important thing is that you’re able to pay back the amount loaned to you within a certain amount of time.

However, it’s impossible to make that commitment without knowing all the terms of your agreement and what they mean. Professionals who help their clients secure car loans are familiar with the industry lingo and put it into words that are easier for laypersons to grasp.

Courteous Behavior

The people who work in financing departments of dealerships also typically treat their clients with respect and make them feel at ease. Your financing experts should be approachable, patient and eager to explore all possible resources.

Now that you know what to expect when applying for car loans, you’re in a good position to consider using financing to get your next vehicle. Get in touch with us for help.

Tips for Finding the Right Used Car

Our customers looking for used cars in the Fort McMurray area are often surprised by all of the changes and opportunities that are available for used car buyers. Not only have there been significant technological advancements over the past few years that have made used cars more advanced than ever, but used cars are also more affordable than ever thanks to a long list of money-saving programs that we offer.

Here are a few tips to help our used car customers find the right used cars for their needs – with programs that make buying those used cars more affordable than ever:

Know what you’re looking for

The first thing we always recommend to our used car customers is that they know what they’re looking for. Especially when it comes to used cars, there are so many varieties, models, and opportunities to find the right used cars. By determining exactly what you’re looking for from a used car before you start the shopping process, you can have a better chance of finding the right used car for your needs so much faster than ever before. Also, when you know what you’re looking for in the beginning, you can be sure that you drive off the lot with a used car that meets those basic needs.

Do your research

While it’s essential that you know what you’re looking for even before you begin the used car buying process, we are also well aware that many of our customers may not be familiar with many of the features and options that are available to them. For that reason, we always recommend that after customers define their basics wants and needs, they take a closer look at what is currently available in the used car buying marketplace. You may be surprised by what technologies you can afford that may not have even been available the last time you looked at used cars!

Make a budget

Always make a budget before you buy a used car. Our lenders and dealers are happy to help you determine what your budget is so that you can find a used car that helps you to comfortably afford your lifestyle – even if you take out a long-term used car loan. The budget is the first step in finding the perfect used car for used needs that you can appreciate for years to come without having the burden of trying to figure out how to comfortably pay for it.

At Easy Term Auto Group, your used car dealer in Fort McMurray, we look forward to helping you find the best used car for your needs. Contact us today to get started!

Auto Loans

The joy of buying a used car is often overshadowed by financial difficulties. Sometimes a person’s budget simply does not allow for this type of investment, and dealerships are sympathetic to this problem. They are able to offer auto loans to people who are incapable of making the full payment on a vehicle. By allowing them to payoff a car over an extended period of time, loans supply people with greater ease and satisfaction.

Monthly installments are common with financing of this kind. By dividing up the payments in this way, the dealership is compensating for any financial struggles that may arise for their customers in the future. People also have the added convenience of working with only one location; the place they bought the vehicle is the same place where they obtained the loan. Dealerships usually have extended hours, so communication between themselves and their customers can remain strong.

There is also the chance that people encounter no problems and actually payoff their vehicle early. In the event that this occurs, they may be able to greatly improve their credit score and redistribute the money saved toward the payment of other financial investments.

Unlike other finance establishments, there are a wide variety of programs available to people that get auto loans through a dealership. There may be specific requirements needed in order unlock the benefits of these programs, but for those who qualify, there could be many rewards accessible to them.

With so many different ways to obtain auto loans, many people find it difficult trying to determine the best option. However, there is great convenience associated with obtaining financing from the same location that a vehicle was purchased. Strong communication is enabled between the dealership and the customer, and there are numerous programs attainable with this option as well. Dealers want to see their customers satisfied, and they will assist them in financing their vehicle in order to make that happen.