Bad Credit Auto Loans: How to Get a Car When You Have Bad Credit

Have bad credit, but need a new car? The good news is it's possible. Bad credit auto loans will cost more in the end, but for some, it's the only option.

Wondering how to get a car loan with bad credit? Here are some tips to help out.

Tip 1: Credit Status

This seems obvious, but the first thing to do is checking credit scores. Many times a person's credit is not as bad as they imagine. Use credit score information as a guide on what kind of dealership to start shopping at.

Credit scores are what determine the interest rates on car loans. They also set the size of car loan a buyer can get. Knowing the score gives potential buyers a general idea of what to expect for an interest rate and loan limit.

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5 Tips for Finding a GM Certified Auto Service in Oregon

With operations on six continents that produce and sell millions of vehicles around the world, GM is one of the biggest auto manufacturers around. But if you own a GM vehicle in Oregon, it's essential to find GM certified auto service when you need maintenance or repairs.

Considering the widespread popularity of GM vehicles, the market for auto service in your part of Oregon will likely be competitive.

Here are five ways to evaluate different options for auto service and make your decision:

1. Read Online Reviews of GM Certified Auto Service Providers

Because so many people own GM vehicles, there are plenty of reviews online for service providers. That's one reason why 90% of all consumers read reviews on the internet before visiting a business. Read these reviews carefully and try to see if you can pick up any patterns.

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5 Things to Look for When Choosing Chevy Auto Repair

Is your Chevy acting up? Even if it's not, it's good to have a good mechanic picked out before any issues arrive.

How do you choose a good mechanic, though? With so many to choose from, does it really matter who you take your vehicle to?

You'll find many differences between mechanics, so it's good to compare your options. Keep reading to learn the five things you should look for when choosing Chevy auto repair.

1. Qualifications

Make sure your mechanic has all the certifications and qualifications that he should have. Don't throw your money away and entrust your precious Chevy to just anyone.

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Why Prefer Expert Auto Service to DIY When Tuning Up Your Vehicle

Owning a car comes with the duty to keep it well-oiled. True enough, you must know a thing or two about tune-up if you want your vehicle to be roadworthy at all times. However, you have to draw the line when the need for professional auto service comes. Trying to repair or update your car on your own may have a number of adverse consequences.

It Might Nullify Your Warranty

Most cars, particularly those that were purchased from a dealership, have warranty issued by either the manufacturer or the dealership. Warranty can come in handy when you suddenly need servicing for your vehicle while on a tight budget. This perk, however, is usually valid within a certain period and for select types of service.

A warranty can be nullified when the conditions set by the issuer are breached. Generally, a warranty remains valid until repair is performed by a non-dealer qualified mechanic, done not according to the recommended times in the logbook, or carried out using the wrong parts. Simply put, if you try to fix or update your car by yourself, you are running the risk of breaching the contract and voiding the warranty.

Your Insurance May Not Cover It

It’s not just the warranty that is at stake when you choose to go DIY on your car repair or upkeep. You also risk not getting covered by your insurance. Most insurance policies cover simple repair work on vehicles, but major ones like modifications to the wheels and exhaust system may need to be consulted with your insurer. To be safe, just send your car to a certified car service provider.

You Need the Job to Be Done Properly

The changes you do to your vehicle can have a tremendous effect on its performance and safety on the road. The only problem is that if you’re not a professional technician, there’s a chance that you can do more harm to your vehicle than good, which could cost you your lives and the lives of your passengers. It’s true that there are some repair jobs that you can easily carry out on your own, but the major ones have to be left to the pro.  

DIY Takes Time

Tuning up a vehicle takes time, especially when a lot of work has to be done and the one to do them is untrained. If you don’t have an extra vehicle that you can use while the other one is under maintenance, DIY can cause real problem. So if you want your vehicle to be available by the time you need it, just send it to a service center. Depending on the kind and extent of maintenance your car needs, it may take just a couple of days to finish. Sometimes, the work can be done much faster.

Yes, it may cost you a little bit more to send your car to a service center, but it’s worth it. The last thing you need is a car that is only bound to break down at the most inconvenient time. With professional auto service provided by a leading service center in Portland, such as McLoughlin Chevy, you’ll have peace of mind throughout every journey.

About McLoughlin Chevy: Mcloughlin Chevy is a go-to resource for the best Chevrolet models at MVP prices. When you visit our showroom, you’ll see a wide selection of Chevy units, each boasting great features that will make every journey fun and safe. We also offer GM certified used cars, parts, and accessories. When it comes to car repair and maintenance, there’s no better place in town that you can send your vehicles to than our service center.

Sources:

8 DIY Car Maintenance Tips You Can Handle – Checklist, moneycrashers.com

What Does an Auto Mechanic Do?, learn.org

When to Take Out Bad Credit Auto Loans and How to Get Out of Debt

It can be almost impossible to get preapproved for a car loan when you have a bad credit. That’s because lenders and financial institutions are also protecting their interest. They don’t want to invest their money in a credit that has a high risk of default.

How a Bad Credit Car Dealership Can Help

If your low credit score is preventing you from getting the best deal on a car loan, you still have one more (and probably the last) option—to go to a bad credit car dealership. This is a type of dealership that offers financing to buyers, specifically to those who failed to obtain preapproval.

Just because you have this option, however, doesn’t mean you’ll let your credit rating continue to dwindle. You have to do something to get back on track. Take note that your credit score will affect not just your ability to take out an auto loan but also other major financial transactions you’ll make down the road, so you have to reinstate your creditworthiness.

Repairing Your Damaged Credit Score

Here are some tips that can help you repair you credit score:

Gather the Facts. When it comes to your creditworthiness, it’s ill-advised to base your decisions entirely on presumption. Don’t just assume that your score might possibly be low because you’ve been behind on your bills and other loan payments. You have to know for sure the impact your setbacks had made on your credit.

There’s no place better to get this information from than the major credit bureaus—TransUnion, Equifax, and Experian. They usually give a free credit report, which reveals your credit history and the rating it amounts to. This report, however, is not always accurate. Sometimes, it contains errors that can have a detrimental effect on your rating. So as you try to collect the report, also check for errors that might be inappropriately dragging your rating down.

Start Paying Off Your Remaining Debts. With all the information you’ve obtained from the credit report, make a list of all of your accounts and check recent statements to determine how much you owe on each account. Also check the interest you’re being charged with.

Create a payment strategy that prioritizes debts with the highest interest, but also make sure to maintain minimum payments on your other accounts to pay off everything within a predetermined timeframe.

Doing these will not only increase your chance at recovering from the financial downturn you’re currently going through, but it will also provide access to more financing opportunities. In fact, it would help to get these tasks done even before you head to a car dealership to take out bad credit auto loans. This way you can prove at the very least that you’re doing your best to make your financial situation better. This proactive approach can also serve as a guarantee for the car dealership that you will indeed comply with the conditions of your contract. In effect, you’ll make your car purchase even smoother.

About McLoughlin Chevy: As your total automotive resource in Oregon, Mcloughlin Chevy works hard to provide the most recent Chevrolet models and world-class car services. We also offer GM certified used vehicles, parts, and accessories. Whether you’re eyeing out for the new Chevy model lineup or get the most desirable value for your trade, we’ve got you covered. Are you having difficulty getting pre-approved for a loan? Not a problem, because we offer bad credit auto loans as well.

Sources:

How To Catch Up on Late Payments, thebalance.com

How to repair my credit and improve my FICO Scores, myfico.com

How to Compare the Cost of New and Old Cars Offered by Auto Dealerships

Next to a home, a car is one of the biggest investments a person will make in their lifetime. The only difference between homes and cars is that most people stay in a single house for the rest of their lives while the average person will go through about 13 cars. With the need for a reliable set of wheels to make the daily commute a little easier, everyone should consider finding car dealerships that offer both new and used cars on their lot.

Having the option to buy a used car can mean extra saving, but that isn’t always the case. Here are some useful tips to compare new and used car prices to get a better deal that fits a set budget:

Car Problems Only the Auto Service in Portland Can Fix

In this age where DIY solutions are the norm, it seems like everyone wants to fix everything on their own. While learning a new repair technique or skill can come in handy sometimes, knowing when to call in the experts for help is also a smart move. When it comes to car issues with your GM vehicle, it is always a good idea to use a professional GM certified auto service in Portland because professional mechanics are equipped with the right tools and expertise.

Here are some common car issues that you should leave to the experts:

1. Transmission Repair or Maintenance

A car’s transmission has a lot of small, delicate parts, narrow passageways for the hydraulic fluids, and precise tolerances. Trying to dismantle everything to fix the problems yourself can only result in more damage. Transmission repairs are best left at the hands of skilled transmission specialists. Transmission maintenance needs like fluid changes and flushing should be done by a trained mechanic. One wrong move and you can botch the transmission, so let the experts fix the problem.

2. Engine Overheating

Overheating sounds like a fairly common car problem that just about anyone can fix. The truth is, it is very dangerous and expensive to attempt the repairs at home. A mechanic first needs to diagnose the issues correctly and then they can start repairs. Unskilled DIY mechanics don’t have the skills or tools to do so.

3. Replacing Suspension Components

The suspension is made up of different components like the bushings, struts, and arms. These may look easy to replace, but the repair process is actually very complicated and detailed. A lot of things can go wrong in a multitude of different ways. Amateurs might even forget about the amount of force a compressed coil spring holds and put themselves in danger, not to mention the specific order of how the different pieces go back in their proper place, which, only an experienced mechanic knows how to carry out properly.

4. Timing-Belt Replacement

Every GM car owner should know that their car is due for a timing-belt replacement every 60,000 – 100,000 miles of travel. This car maintenance must-do can cost up to $1,000 which makes it even more tempting to do it at home. However, the amount you might think you’re saving can only result in more expenses down the road and even put you at risk of accident. Timing-belt replacement done wrong can heavily damage the engine which can escalate the repair cost up to $3,500. No one wants that.

Trust an GM certified Auto Shop in Portland for Repairs

At first it may seem like you’re saving yourself a lot of money by attempting to do these repairs at home, but it can easily go wrong. Without the proper skills, training, and tools you can do a lot of damage to your car and even put yourself in danger while trying to “fix” the problem.

Instead of trying to get your hands dirty, let the experts at Mcloughlin Chevrolet do the repairs. All car parts used at the Mcloughlin Chevrolet auto repair shop are high-quality and genuine. It is a promise that cars sent for repairs and maintenance come out looking and working like they’re brand new. Here you can always expect timely and professional services. We make sure all customers feel welcome, no matter what their car concerns may be.

"Honesty, Integrity is our No.1 Priority, When it comes to GM vehicles, you can count on us! " - Monty Eby (Service Director – McLoughlin Chevy)

Sources:

Five Car Problems You Shouldn’t Fix Yourself, TheCarConnection.com

Not So DIY: 6 Auto Repairs You Can’t Do Yourself, RCAutoSpecialists.com

Auto Dealerships: Should You Upgrade to the 2018 Chevrolet Malibu?

Many Americans tend to hold onto their cars for years on end. After all, with regular and thorough maintenance, many vehicles can easily serve owners well for ten years or even longer. This is especially true when the vehicle is from a respected manufacturer like Chevrolet.

However, there are times when an upgrade to a brand new car like the 2018 Chevrolet Malibu may be in your best interest. There are many advantages to upgrading to a brand new midsize family sedan from auto dealerships:

Auto Dealerships Offer Tips on Finding a Safe Car for Your Teen Driver

Getting your teen their first car almost seems like a rite of passage nowadays. Your child might be over the moon at the prospect of finally getting behind the wheel, but it’s understandable if parents feel a bit anxious. After all, it’s said that the biggest safety threat to teens is driving on the road. This is largely due to the fact that teen drivers tend to have the least safe types of vehicle, according to the Insurance Institute for Highway Safety (IIHS).

Before you head out to auto dealerships to buy your kid a car, consider vehicle safety. Here are a few tips that can help you as you go over your options.

Always Think Big

The saying “bigger is better” isn’t always true, but in the case of vehicle safety, these are wise words to live by. Smaller cars, even those that boast of several high-tech safety features, simply have nothing on bigger, heavier rides. Vehicle types such as SUVs have bigger crush zones and longer hoods, which give them an advantage in frontal crashes.

Their heavier built and frame also protects drivers and passengers from non-collisions like rollovers. Forget about handing down your old sedan to your teen. The extra money you will spend on a bulkier vehicle will be a great investment toward road safety.

Go Slow and Steady

Sports cars are hardly ideal for your child’s first vehicle for more reasons other than its expensive price tag. Giving them access to higher horsepower and stronger engines will only tempt them to put the car through its paces. Cars with less horsepower discourages teens from speeding and other risky driving tactics like aggressive lane-changing, running the red light and challenging friends to races.

Dealers recommend choosing the smallest cylinder and engine option available, as well as the lowest horsepower trim. That should be sufficient for their needs until they can handle something more powerful. You get better fuel economy in the process, too. It’s a win-win for everyone.

Look at the Scores

Organizations such as the IIHS and the National Highway Traffic Safety Administration (NHTSA) have made it easier for consumers to assess the safety ratings of the cars on the market. They release reports for cars of each model year so buyers can compare. Many, however, are unaware that crash test scores are different for each vehicle class size.

You might be confused as to why a small hatchback has the same safety rating as a hulking SUV. This could lead you to think that both offer the same level of protection, but that is not the case. Comparing safety ratings only work if you do it within the same class size. If you want to make a more in-depth analysis for cars in different classes, you can ask your dealer for help.

Being a smart buyer goes a long way in keeping your kids safe on the road. Ask your dealer for top safety picks to get you started on your search for the right vehicle.

About McLoughlin Chevrolet

Offering both new and used Chevrolet vehicles, as well as GM cars, McLoughlin Chevrolet is the leading car dealership serving Oregon. We treat the needs of our customers with paramount concern to ensure that they have a positive experience on their journey to becoming a car owner. We also provide Chevy service, parts, and repair so that you get the most out of your vehicle.

Sources:

Are SUVs Really Safer Than Cars?, AccessMagazine.org

Safety Rides Shotgun, IIHS.org