Buying A Used Car In The Winter Months: 8 Tips and Suggestions

There's a reason winter is the best time of year to think about buying a used car: Sellers are desperate to get the things off their hands, and buyers are few and far between. It's nice not to have much competition when out shopping for used cars. Here are 8 tips to help you buy a used car in the winter months:

Tip # 1: Your Winter Budget. Factor your potential monthly car payment into your budget, and don't forget to include those credit cards and holiday bills coming due in January and February. If you know you're going to pay hundreds or thousands of dollars during those months on gifts for your family and friends, you may need to adjust your down payment, buy a used car or a cheaper new car, or hold off on your purchase. At the same time, you may see your monthly take-home pay drop during the winter, depending on how you are paid.

Winter with its cold, damp weather presents unique challenges when it comes to test driving a used car, which is why you need to follow these tips on how to test drive a used car in winter for the best results.

2. Winter Worthy Used Car. Make sure the car's components that are most important in winter are working properly:

· Inspect the battery, which could have its power reduced by up to 50 percent by severely cold temperatures.

· Check the belts, hoses and wipers.

· Check the tires for proper tread, inflation, and determine their all season traction.

· Test the heater and any cold weather features like heated seats, rear window defroster, etc.

· If equipped, make sure the four-wheel-drive or all wheel drive system is operating properly.

3. Road test the car in an empty parking lot. Snow and ice on the roads make you more conservative when road testing a used car. Consider going to a large empty parking lot like you might find at a high school, and drive just like you would in a summer day test drive. Get the vehicle up to speed and jam on the brakes-test the car’s ABS system (it should kick in with a thump-thump-thump if working properly). Also, when braking, see how straight the car stops. Pulling in one direction or another could indicate brake or alignment problems.

Here are some tips for you personally while inspecting and riding in the car:

4. Bring a towel. Use the towel to rub on spots or stains on the car’s exterior, because they might be permanent. You're going to see spots and stains in the winter that might not be permanent. Give it a quick rub with your towel, just to see if it's wet snow or ice that can be cleaned easily. Also, use your towel or rag to wipe your hands off while looking underneath the hood.

5. Bring a change of shoes. Don't judge a car on how it feels when wearing your winter boots. Bring a pair of sneakers or shoes so you get a feel for how the vehicle drives the rest of the year. Bulky, clumsy boots just won't give you a true feel for the car and you might end up turning down something you would have really liked.

6. Keep your coat on and test the A/C. This is the best way to test the air conditioning. A bulky coat is going to demonstrate how you might feel on a hot summer day. Does the air conditioning cool you sufficiently? If so, it's probably going to work fine come winter time.

7. Take your coat off and test the heat. See how quickly it can warm you up on a cold day. It's an important consideration. Don't settle for how it warms you while already wearing a warm winter coat, because it’s not the same.

8. Take your gloves off. Your fingers, not surprisingly, are extremely tactile. Your sense of touch is going to help you find flaws with the car that you won't find with the gloves on. However, you should make sure part of the test drive does have some glove time. You still need to see how things can work with your bulky finger warmers on.

Come out and visit with us-we do not mind the cold, and we have our comfortable showroom to warm you up! Helping people with less than perfect credit buy used cars in Salt Lake City is also what separates West Valley Auto Plaza from all other used car dealers. Our goal is to get you back on your feet in a good reliable pre-owned vehicle that you can afford at a fair price, regardless of your credit situation.

Salt Lake City Used Car Dealers West Valley Auto Plaza vs Low Book Sales

Low Book Sales is a good dealership and they have been our biggest competitor for years. I know that most of the customers who come to our dealership have been there, or are going there, in the used car purchase process. I want you to know that there are HUGE advantages for you if you choose to give West Valley Auto Plaza a shot to buy your used car. Watch the video to see why you should consider buying a used car or truck from us:

West Valley Auto Plaza ADVANTAGE #1: Lower Interest Rates.
Typically our interest rates to finance your used car purchase are lower-sometimes HALF the interest rate, compared to LowBook.

West Valley Auto Plaza ADVANTAGE #2: Lower Money Down.
You can purchase a car from us for as little as $99 Down! Read my earlier blogs of genuine customers who have been asked to pay higher down payments at LowBook and other dealerships, than at West Valley Auto Plaza.

West Valley Auto Plaza ADVANTAGE #3: Easier Finance Options For Bad Credit.
We offer anyone with a job a way to finance a car and reestablish your credit-no matter what your credit history. Do you have bad credit? Bankruptcies? Repossessions? Late Payments? We offer you a fresh start to repair your less than perfect credit. I have had many comments on the better financing and easier terms we deliver for car buyers here, than at other dealerships. (Read the e-mail from yesterday's blog).

Do'nt get jerked around by other dealerships or finance companies who charge interest rates from 20% or higher. We are even getting people with lousy credit into 2010 model cars, for under $300 monthly payments! Fill in our online credit application, and get started selecting the used car or truck you need, without the:

• Hassles from used car loan companies;
• "Bad credit" or "poor credit" high interest rates;
• Poor selection from "Buy Here Pay Here" car lots.
  

Come in and see us at 3899 South Redwood Road, call us at 801-886-1700, or view our used car selection online.

West Valley Auto Plaza Customer Reviews: 'Better Than The Competition'

Here is another video review from one of our used car purchase customers-Preston. He had less than perfect credit, but our used car financing program got him the vehicle he wanted, and needed.

To prove that he is the rule-not the exception-of our Utah car buying clients:

I received this unsolicited e-mail from one of our used car buying customers this week:

"I just wanted to email you and let you know how thankful me and my wife were when you approved us to take the car home last night. Our 2^nd car of the year broke down over the weekend, and could only borrow a car from a family member up until yesterday. So we were in a huge bind and appreciate you helping us. The fact that you are willing to take time at night and look at emails was extremely surprising but you really are true to your word and goes to show you really want to help people.

After visiting your dealership on Tuesday night, I decided to look at a couple other places before making a decision. 1^st Low Book Sales, which claimed to be the number one used car dealership in the state of Utah and willing to help anyone in any financial situation. I told them that we had picked a car out at your car lot, and they told me to be careful because you charge very high interest and have been known to sale lemons. After filling out an app and running our credit, he took it to his manager and when he returned he explained he was unable to do anything for us. That we didn’t even qualify for in house financing. Needless to say we were shocked and felt incredibly dumb.

The 2^nd dealership we decided to visit was First Class Cars, which claimed to be the dealership that started the in-house financing and were the credit experts. They wanted an $800 deposit and said they could get us into a good reliable car, they asked what kind of car were interested in and explained we had a 2004 Chevy Cavalier picked out at your lot and wanted something similar. He then explained that places like yours claim you are approved and give you the car but a couple of days later call us back and tell us to bring back the car or give a larger down payment. Afterwards he takes us to look at the cars available with an $800-$1000 down payment. Most were in bad shape and in the 90’s. He then shows us a 89’ Toyota Corolla and tells us his mom had one and got over 300,000 miles on it before it broke down. At this point we were freezing from walking around outside and let him know we weren’t interested.

When we returned to your dealership we were greeted by Cole which was very helpful and did his best to help us in any way...Again THANK YOU for giving us an opportunity to rebuild our credit while getting into a car we really like and will serve our needs. People like you are rare and we really appreciate that."-CP

Do you need more proof we deliver what we promise? Come in to our used car dealership-and see for yourself! Then, you can recommend your friends and family to come see us too!

Customer Reviews Prove We Do Not Jerk You Around!

Our happy customer comments and reviews confirm what we share everyday with those who come to our dealership: You buy a used car or truck that you want and need, at a price and financing that you can afford, with respect and dignity-no hassles, no getting jerked around.

This is a customer review video from a year ago, thanking Craig for putting together an awesome deal for this couple to buy a 2009 Hyundai Sonata.

Fast forward a year later, to this week, and we see another happy customer, giving us a great review (on Google), for the way we helped them with their used car purchase-after the sale. And, again thanking our guy Craig for an awesome job.

Some good things never change-especially at our dealership. We offer used car financing for anyone in Salt Lake county with a job and a dream . Come see why we have so many loyal customers that keep coming back to us over & over-the very happy couple in the video, and our new customer who posted the Google review.

Used Cars Salt Lake City, Used Trucks, Used SUVs

2010 used cars and trucks in Salt Lake City for under $300 a month-even for people with bad credit? Yes! That is what we can do for you-and have been doing for Salt Lake City and Utah used car buyers for over 12 years. We are the best at getting customers into cars they need and love!

Do you need a reliable used truck or SUV for winter? Watch our video-see our selection of used trucks, used SUVs, and used cars-all available for people with poor, bad or damaged credit ratings. Do not get jerked around by other dealerships or finance companies who charge interest rates from 20% or higher. We are getting people with lousy credit into great 2010 cars for under $300 monthly payments. Fill in our online credit application, and get started selecting the used car or truck you need, without the:

• Hassles from used car loan companies;
• "Bad credit" or "poor credit" high interest rates;
• Poor selection from "Buy Here Pay Here" car lots
  

Come in and see us at 3899 South Redwood Road, call us at 801-886-1700, or view our used car selection online.

Think it's too good to be true? Come back to my blog tomorrow and Thursday-see and read about our happy customers' positive used car buying experiences at our Dealership!

Fight And Win The Bad Credit Hassles In Our 2 Day "War On Credit" Used Car Sale

We mean it: you are approved at our used car dealership. Our "War On Credit Rejection" means that no matter what your credit history-bankruptcy, repossessions, late payments-you will be approved with us. And, at only $99 down, getting into a great used car or truck is only minutes away!

Come out this Friday and Saturday-we have the used car selection and the car loan financing to solve your credit challenges. We can get you into a used car, truck or SUV for winter. We are the best at getting customers into a car they need and love! See the new inventory from which you can select the car or truck-that's right for you-and not what a finance company dictates. Check out our used car deals this week at West Valley Auto Plaza.

Pay Here Used Car Dealers Salt Lake City: Waht We Do Better For Your Used Car Purchase

Bad Credit? Poor Credit? Less than perfect credit? With the economy the way it has been, it's a wonder that anyone has a good credit score anymore. West Valley Auto Plaza is here to help show you how to repair your credit. You may feel like your only option for buying a used car in Salt Lake City is at a "Buy Here Pay Here" used car dealer. As you see in the video, our dealership gives you the best of both used car buying worlds: the security and support of a dealership with the flexible finance options of a "buy here pay here" used car dealer.

There are HUGE advantages for you if you choose to give West Valley Auto Plaza a shot.

• We offer a 12 month, 12,000 mile power train warranty on every used car purchase financed through our dealership.

• We have our own Service Department for your car repairs and vehicle maintenance.

• Only $500 down is needed for a used car purchase.

• We report to all 3 Credit Bureaus-helping you re-establish good credit with your monthly used car payments.

• We finance your used car and reestablish credit, doing it at a lower interest rate and with less down that most “Buy Here Pay Here” used car lots!

• We are offering anyone with a job a way to finance your next used car purchase!

Folks, we will offer you a loan, we will help you re-establish credit, and we won't jerk you around!!

Helping people with less than perfect credit buy used cars in Salt Lake City is also what separates West Valley Auto Plaza from all other used car dealers. Our goal is to get you back on your feet in a good reliable pre-owned vehicle that you can afford at a fair price, regardless of your credit situation.

Come in and see us at 3900 South Redwood Road, or call us at 801-886-1700.

West Valley Auto Plaza Is Gephardt Approved

Auto Repair West Valley City:3 Oil Changes for $30 w/ Food Donation at Meineke of West Valley

Meineke of West Valley is trying to give a little back this year & we'd like you to help us. If you bring in just one can of food for us to donate to the food bank this holiday season, Meineke & West Valley Auto Plaza will match your donation, AND we will give you 3 OIL CHANGES FOR JUST $30, as a way to say "Thank You!"

Last year's food donation was a great success, with help from this video from November 2010. This year we will continue to show support for our community, and for those who are less fortunate. We want to help these people, and we appreciate your desire to help them, too! Change your oil at our location, and help change a person or family's holiday season for the better! Get a deal on oil changes-three oil changes for only $30-and help give a deal to someone in need!

Helping people with less than perfect credit buy used cars in Salt Lake City is also what separates West Valley Auto Plaza from all other used car dealers. West Valley Auto Plaza's goal is to get you back on your feet in a good reliable pre-owned vehicle that you can afford at a fair price, regardless of your credit situation.

Come in and see us at 3900 South Redwood Road, call us at 801-886-1700.

New Car Depreciation: Buy Used Cars And Save Thousands Of Dollars!

Should I buy a new or used car? Its a question you will have to answer during your car buying process. To help you make an informed and reliable decision, using tools and car research on car depreciation will be very valuable. In this video from "The Car Show", a light hearted, but informed entertainment shows the value of not buying new cars, but waiting for depreciation, to buy the same cars at used car values, saving thousands of dollars. While they show mainly luxury cars, the same principle applies to all cars and trucks.

For serious consideration, you can use these tools from Money-zine.com:

• The car depreciation calculator to estimate the first year and total depreciation on a car you're thinking about buying or already own. The calculator uses an accelerated rate of depreciation for cars that are brand new and provides the user with a range of possible depreciation rates: from low to high. This calculator provides depreciation based on expected market values, it is not intended for use as a tax depreciation calculator.

• This calculator compares the costs of buying a new car versus a used car. The calculator takes into consideration factors such as the depreciation in value of each car, maintenance costs, as well as how long you want to own the car. With this information, you can determine the monthly cost of owning a new versus a used car.

• Finally, use this calculator to help you compare the cost of buying a new car versus leasing a car. The depreciation in value of each car, the capitalized cost reduction or down payments, and how long you want to own the car are all factored into this equation.

We want you to get the best deal on your next used car in Salt Lake City. Using our “Quick Qualify” program to get you approved (in minutes) can allow you to purchase great used car or truck vehicles-without needless hassles from finance institutions.

Come out to our dealership-3899 South Redwood Road, West Valley City. Visit us online at WestValleyAutoPlaza.com, or call us at 801-886-1700.

West Valley Auto Plaza’s goal is to get you back on your feet in a good reliable pre-owned vehicle that you can afford at a fair price regardless of your credit situation. This is what we’ve done for over 11 years now, and this is what we’ll do for you. Feel free to shop around and see what others have to offer. We know you’ll end up choosing us, because we are the best out there, and we won’t jerk you around!

West Valley Auto Plaza Is Gephardt Approved

Used Car Loans With Bad Credit: Put An End To Frustrating Used Car Loan Rejections

Put An End To Frustrating Used Car Loan Rejections!

Bad credit always makes getting approved for a used car loan very frustrating. You often have to go from bank to bank, trying to explain your situation to the lender while he stares back at you with no sympathy in his eyes. However, getting a used car loan from an understanding loan company, when you have bad credit, saves you the hassle and bad feelings associated with the process. Instead, it allows you to focus on the important task-finding the right used car or truck for you, rather than “settling” for what a traditional lender will allow, or the meager inventory a small “Buy Here Pay Here” car dealer offers. See how Nick and West Valley Auto Plaza help you get the used car you want, at the financing you need!

People with bad credit may find themselves having a hard time at other car dealerships. High interest rates and the possibility of getting denied can be intimidating. Research all available options for getting a car, even if your credit dictates you will have a difficult time.

There are options for Utah residents to buy a used car in Salt Lake City, even with a record of bad credit. Using our "Quick Qualify" program to get you approved (in minutes) can allow you to purchase great used car or truck vehicles-without needless hassles from finance institutions. Come out to our dealership-3899 South Redwood Road, West Valley City. Visit us online at WestValleyAutoPlaza.com, or call us at 801-886-1700.

West Valley Auto Plaza’s goal is to get you back on your feet in a good reliable pre-owned vehicle that you can afford at a fair price regardless of your credit situation. This is what we’ve done for over 11 years now, and this is what we’ll do for you. Feel free to shop around and see what others have to offer. We know you’ll end up choosing us, because we are the best out there, and we won’t jerk you around!

Oil Changes: 3 For $30 At West Valley Auto Plaza Meineke Car Care Center; Auto Repair Services Salt Lake City

Oil changes-3 for $30-are just a sample of the great car care specials we are offering this month at West Valley Meineke Car Care Center. Yes, affordable auto service repairs are just what car owners need-and what West Valley Meineke (at West Valley Auto Plaza) can deliver for you. Use our fantastic auto repair service coupon specials to try us out, and see why the great service we deliver with your used car purchase is just as fabulous as the auto repair services we offer at our Meineke West Valley Car Care Center.

Our Meineke Complete Car Care Center is celebrating it's one year anniversary this month. Thanks for all of your support over the last year.Come see us, call us at 801-797-8754, or visit our online service department and schedule your next car care maintenance service with us!

Oil changes, brakes, engine tune ups, belts, batteries, cooling system, radiators, heating, air conditioning and more. Let us take great care of your car or truck, help you save money on car repairs, and experience our exceptional service-all at the same time with our 3 for $30 oil change coupon specials, or any of our get acquainted car repair coupons.

In addition to customer first, affordable auto repair services, West Valley Auto Plaza’s goal is to get you back on your feet in a good reliable pre-owned vehicle that you can afford at a fair price regardless of your credit situation. This is what we’ve done for over 11 years now, and this is what we’ll do for you. Feel free to shop around and see what others have to offer. We know you’ll end up choosing us, because we are the best out there, and we won’t jerk you around!

2010 Used Cars and Trucks Salt Lake City At West Valley Auto Plaza-At 2008 Model Prices!

Great used cars and trucks to buy, no matter what your credit looks like. Look at the used car deals this week at West Valley Auto Plaza. We have bought more 2010 vehicles straight from Enterprise car rental than any other dealer. Car rental companies are bringing in new model vehicles for their fleets-that means their existing "nearly new" cars and trucks are being sold at great prices. Great 2010 used car models like Ford Fusion-at 2008 model prices! Nick shows you a few of them in this video.

Come out to our dealership-3899 South Redwood Road, West Valley City. Visit us online at WestValleyAutoPlaza.com, or call us at 801-886-1700.

West Valley Auto Plaza’s goal is to get you back on your feet in a good reliable pre-owned vehicle that you can afford at a fair price regardless of your credit situation. This is what we’ve done for over 11 years now, and this is what we’ll do for you. Feel free to shop around and see what others have to offer. We know you’ll end up choosing us, because we are the best out there, and we won’t jerk you around!

Bad Credit Car Loans: 4 Bad Credit Car Loan Myths (and the Facts) Revealed

There are numerous myths about bad credit car loans. They are used to put people off getting an affordable deal and the car that they need. Let’s talk about four of those main myths here.

Myth #1: There is no way you can get a car loan if you have problems paying off other loans.

Fact: Bad credit used car loans are readily available from many different lenders. Given the recent financial crunch, more and more banks and credit unions have started offering more affordable financing options to people with problems in their credit history. We have our in house APG Financial, as well as competent outside lenders who work with you to get adequate financing for your used car purchase.

Myth #2: A short term bad credit car loan is more expensive.

Fact: Actually, the shorter the term of the used car financing, the more affordable the deal is. When you are able to repay the entire sum plus interest more quickly, you save on interest that would be charged if you have a deal with a longer term. Now, a short term deal may not be more beneficial for a person with bad credit, as the monthly repayment installments are higher.

Myth #3: There is no way to negotiate the interest down.

Fact: There are borrowing programs, with extension and refinancing options, which give you the opportunity to renegotiate the interest after a set period of time. If you have managed to improve your credit score by this time, you will be able to lower the interest, at least to an extent. Many of our used car buyers have interest rates at or below 20% APR.

Myth #4: You cannot do anything to improve your credit score when having such a loan.

Fact: This form of financing (as long as you may payments on time), can only boost your credit score. However, it takes more effort to get a major improvement. You need to repay all of your debt on time. This includes credit card and utility bill payments.

These facts will give you a better understanding of the options you have when looking for and using bad credit car loans. You may realize that things are not as bad as they may seem. Just be prepared for the challenges ahead.

At West Valley Auto Plaza, it does not matter what your credit history reveals:

• No Credit
• Bad Credit
• Less than perfect credit FICO scores
• Late payments
• Repossessions

Using our "Quick Qualify" program to get you approved (in minutes) can allow you to purchase great used car or truck vehicles-without needless hassles from finance institutions

Come out to our dealership-3899 South Redwood Road, West Valley City. Visit us online at WestValleyAutoPlaza.com, or call us at 801-886-1700.

West Valley Auto Plaza’s goal is to get you back on your feet in a good reliable pre-owned vehicle that you can afford at a fair price regardless of your credit situation. This is what we’ve done for over 11 years now, and this is what we’ll do for you. Feel free to shop around and see what others have to offer. We know you’ll end up choosing us, because we are the best out there, and we won’t jerk you around!

Used Cars Salt Lake City:Car Buying Made Easy At West Valley Auto Plaza; 801-886-1700

Need to buy a used car or truck in Salt Lake City? Are you having trouble getting financing for a used car loan? Come out and see us at West Valley Auto Plaza.See in this video how easy it can be for you to qualify for a used car loan. It does not matter what your credit history reveals:

• No Credit
• Bad Credit
• Less than perfect credit FICO scores
• Late payments
• Repossessions
  

Using our "Quick Qualify" program to get you approved (in minutes) can allow you to purchase great used car or truck vehicles-without needless hassles from finance institutions. Come out to our dealership-3899 South Redwood Road, West Valley City. Visit us online at WestValleyAutoPlaza.com, or call us at 801-886-1700.

West Valley Auto Plaza’s goal is to get you back on your feet in a good reliable pre-owned vehicle that you can afford at a fair price regardless of your credit situation. This is what we’ve done for over 11 years now, and this is what we’ll do for you. Feel free to shop around and see what others have to offer. We know you’ll end up choosing us, because we are the best out there, and we won’t jerk you around!

Used Cars Salt Lake City:Weekly Special At West Valley Auto Plaza; 801-886-1700

Are you looking to buy a used car in Salt Lake City? We have great used cars and trucks to buy, no matter what your credit looks like. Look at just 4 fantastic used car specials this week at West Valley Auto Plaza:

• 2008 Dodge Magnum SXT
  
• Mazda 4WD CX7 for $12,500 (Monthly Payments under $250 O.A.C)
  
• Toyota RAV 4: 4WD V-6, packed with Sunroof and extras for $16,000
• 2010 Chevrolet Impalas, under 40,000 miles, with Factory warranty, for under $12,000
  

Use our "Quick Qualify" program to get you approved to purchase these great vehicles. Come out to our dealership-3899 South Redwood Road, West Valley City. Visit us online at WestValleyAutoPlaza.com, or call us at 801-886-1700.

West Valley Auto Plaza’s goal is to get you back on your feet in a good reliable pre-owned vehicle that you can afford at a fair price regardless of your credit situation. This is what we’ve done for over 11 years now, and this is what we’ll do for you. Feel free to shop around and see what others have to offer. We know you’ll end up choosing us, because we are the best out there, and we won’t jerk you around!

“Bad Credit” Loans To Buy Used Cars, Trucks, SUVs In Salt Lake City: West Valley Auto Plaza

Are you looking for a used car in Salt Lake City, and to get your next vehicle financed? Do you need a car but have bad credit that is stopping you? Do you feel you do not deserve better treatment because of your less than perfect credit history? Are you trying to find bad credit auto loans with guaranteed approval, but you don’t know how? You’ve come to the right place at West Valley Auto Plaza in Salt Lake City. Nick shows in this video how you can expect and receive superior treatment, financing, and quality warranted used cars and trucks-all at prices and interest rates you can afford.

We offer you not just good rates, but also great service. And because your application information gets directly into the lender’s system and gets processed faster, the whole process is sped up. Our willingness to work with people with bad credit history is much higher compared to traditional lenders, both for secured and unsecured loans. We are specialists, trained and equipped to handle cases with bad credit history. And you never have to feel like you are “settling” for a used car, truck or SUV.

Look at the premier services we deliver for people buying a used car with bad credit, or less than perfect credit:

• 80 Point Vehicle Inspection
• 3 month, 3,000 mile vehicle warranty
• Interest Rates at 20% or less
• 2010 cars, trucks, SUVs

Look at these 2010 vehicles we have on hand for you to buy today:

Kia Forte

Dodge Caliber

Hyundai Elantra

Chevrolet Malibu

Chevrolet Impala

SUVs (Including Four “new to inventory” 3 Seated SUVs)

Use our "Quick Qualify" program to get you approved to purchase these great vehicles. Come out to our dealership-3899 South Redwood Road, West Valley City. Visit us online at WestValleyAutoPlaza.com, or call us at 801-886-1700.

West Valley Auto Plaza’s goal is to get you back on your feet in a good reliable pre-owned vehicle that you can afford at a fair price regardless of your credit situation. This is what we’ve done for over 11 years now, and this is what we’ll do for you. Feel free to shop around and see what others have to offer. We know you’ll end up choosing us, because we are the best out there, and we won’t jerk you around!

Used Cars Trucks Salt Lake City-Quick Qualify For Used Car Loans At West Valley Auto Plaza

We can get you into a car you love, and help no matter what your credit looks like. For over 11 years now, our "Quick Qualify" program helps anyone with bad credit or poor credit history buy a used car. We can tell you in minutes what the best payment, financing and loan plans will work for you, when you are shopping to buy a used car or truck in Salt Lake City, Utah.

Low FICO credit scores often create problems when buying a used car. Serious credit problems can be very frustrating when looking for used cars and car loans, particularly in times of tight credit and economic stress.

Use our "Quick Qualify" program to buy your next used car or truck. Come out to our dealership-3899 South Redwood Road, West Valley City. Visit us online at WestValleyAutoPlaza.com, or call us at 801-886-1700.

West Valley Auto Plaza’s goal is to get you back on your feet in a good reliable pre-owned vehicle that you can afford at a fair price regardless of your credit situation. This is what we’ve done for over 11 years, and this is what we’ll do for you. Feel free to shop around and see what others have to offer. We know you’ll end up choosing us, because we are the best out there, and we won’t jerk you around!

The Advantages Of Buying And Financing A Used Car At West Valley Auto Plaza With Poor Credit

A car dealer who goes by the "buy here, pay here" model provides financing for a consumer who wants to buy a car. The dealer actually provides the financing, rather than merely arranging the financing through a lender. Thus, the car dealer is more of a lender whose lending is secured by the car. Financing charges for this sort of financing could run as high as 20 percent annually.

As part of the financial reforms initiated after the financial crisis, the federal government created the Consumer Financial Protection Bureau in 2010. Although there is an exemption for car dealers under the Brownback Amendment, the reach of this agency extends to the "buy here pay here" dealers. The CFPC has the scope to protect consumers from unfair lending practices and could go after the "buy here, pay here" dealers if there are indicators they are engaging in such practices. We abide by the rules and regulations the Federal Government has implemented.

At West Valley Auto Plaza, our success is based upon treating you fairly, in line with the federal government's focus on protecting your consumer interests. This video shows you the advantages we give you, when you are looking to buy a used car in Salt Lake city with bad credit, or less than perfect credit. Our advantages in selection, interest rates, and qualifying approvals make this the best place to shop for a used car or truck in Salt Lake City.

Use our "Quick Qualify" program to buy your next used car or truck. Come out to our dealership-3899 South Redwood Road, West Valley City. Visit us online at WestValleyAutoPlaza.com, or call us at 801-886-1700.

West Valley Auto Plaza’s goal is to get you back on your feet in a good reliable pre-owned vehicle that you can afford at a fair price regardless of your credit situation. This is what we’ve done for over 11 years now, and this is what we’ll do for you. Feel free to shop around and see what others have to offer. We know you’ll end up choosing us, because we are the best out there, and we won’t jerk you around!

Know The 3 Different Levels Of Bad Credit When Buying A Used Car

It's worth it to stay on top of your credit score, especially when buying a used car with bad credit. Knowing how credit score affects used car loan financing can help you better understand and appreciate the value that used car dealerships can bring to you with their in house used car financing for bad credit, such as West Valley Auto Plaza, as shown in this video.

3 Different Levels of Bad Credit

There are three different levels of bad credit car buying that you should know about. The best way to categorize the levels is by credit score range. The features of each level are from traditional lending institutions. Remember though, as you see in the video, we can help you buy the used car or truck you need, without the hassle, embarrassment, and frustration from these traditional banks or credit unions.

• 519 Credit Score and Below

If you fall in this range you would be in the sub-prime credit tier.


From a typical lending institution:

• Your interest rates are usually in the 20's
• Loan terms are shorter (under 54 months)
• Down payments are usually larger (sometimes 30% or more), and vehicle selection is limited. Besides, there aren't many traditional lenders to choose from.
  

It is to these "credit challenged" or bad credit car buyers that we perform our greatest service. West Valley Auto Plaza has programs for those with bad or less than perfect credit-programs to get you approved, financed, and on track to improve your credit rating. Programs, like the used car buying programs this week, that get you into used cars for only $99 down. And, of course, to get you into that car or truck you need-today!!



• 520 - 580 Credit Score

If you fall into this range, you would be in the upper sub-prime and lower non-prime credit tier.


• Interest rates are in the high teens
• Loan terms up to 72 months (on select vehicles)
• Down payment in the 10-20% range.





• 581 - 620 Credit Score: The Non-Prime Credit Tier
  

There are many more options for you here in the non-prime credit tier:

• More lenders are available
• More favorable interest rates (from 12-18%)
• You typically can borrow more.
• You generally need less money down (and in some cases no money down).

Use our "Quick Qualify" program to buy your next used car or truck. Come out to our dealership-3899 South Redwood Road, West Valley City. Visit us online at WestValleyAutoPlaza.com, or call us at 801-886-1700.

West Valley Auto Plaza’s goal is to get you back on your feet in a good reliable pre-owned vehicle that you can afford at a fair price regardless of your credit situation. This is what we’ve done for over 11 years now, and this is what we’ll do for you. Feel free to shop around and see what others have to offer. We know you’ll end up choosing us, because we are the best out there, and we won’t jerk you around!

Salt Lake City Used Car Sales Event: 100 Cars For Under $99 Down This Week: West Valley Auto Plaza; 801-886-1700

• Need to purchase a used car in Salt Lake City this week?
• Are you a first time buyer with no credit history?
• Do you have less than perfect credit, or bad credit?
• Have you made late payments that affect financing from lending institutions?
• Need a car with financing you can afford?

Your answers are here at West Valley Auto Plaza, as this week you can select from over 100 used cars and trucks with only $99 down, and financing to fit your current situation. Our "Quick Qualify" program will get you approved. Plus, from August 23-27, one free car will be given away each day to one lucky person-will that be you? There's only one way you have a chance at that free car give-away-come here to West Valley Auto Plaza this week!

Come out to our dealership-3899 South Redwood Road, West Valley City. Visit us online at WestValleyAutoPlaza.com, or call us at 801-886-1700.

West Valley Auto Plaza’s goal is to get you back on your feet in a good reliable pre-owned vehicle that you can afford at a fair price regardless of your credit situation. This is what we’ve done for over 11 years now, and this is what we’ll do for you. Feel free to shop around and see what others have to offer. We know you’ll end up choosing us, because we are the best out there, and we won’t jerk you around!

5 Steps To Fix Your Bad Or Poor Credit Rating When Buying A Used Car

With the economy the way it has been, it's a wonder that anyone has a good credit score anymore. People with recorded credit challenges are about 85% of the finance public-showing how common less than perfect credit really is. Are you fed up with being turned down for used car loans - or paying very high interest rates - because of your past money problems? With the right information, fixing your credit problems to buy a car is not that difficult. In this video, Nick Markosian of West Valley Auto Plaza in Salt Lake City highlights 5 simple credit repair tips to improve and fix your bad credit to purchase a car or truck:

1. Look up and verify your credit information recorded with the 3 main Credit Bureaus. Equifax, TransUnion, and Experian are the big 3 credit bureaus that have recorded your credit history. Look for the negative reports (collection accounts, judgements, etc.) that are incorrect, inaccurate, or untrue. West Valley Auto Plaza will show you your credit report FREE-with no obligation.

2. Dispute the inaccurate reports. Yes, you can challenge and dispute negative, inaccurate or false reports. Again, West Valley Auto Plaza will show you how to dispute these negative credit reports FREE-with no obligation.

3. Establish new, good credit that is reported. It is not just a matter of making timely payments-your timely payments need to be recognized by the credit bureaus to help improve your credit rating. West Valley Auto Plaza starts to immediately report your good credit activity with the credit bureau-the same day you finance your used car or truck purchase with us. If you have a job, and live in the Utah area, we can finance you for a used car purchase on your first visit to our showroom.

4. Make your payments on time, to a bank that sends your reports to all 3 credit bureaus. West Valley Auto Plaza sends your timely payment information to Equifax, TransUnion, and Experian-all 3 credit bureaus.

5. Make arrangements to settle accounts with collection agencies. If you have legitimate outstanding balances with medical agencies, hospitals, collection agencies, etc., be pro-active and call them. Make reasonable arrangements to make affordable, monthly payments. Remember, even a small amount-if paid monthly and regularly-will generally be acceptable to these collection agencies.

Watch this video on how we help you restore good credit and buy a used car in Salt Lake City with bad credit. We have worked hard to find, select and finance you for your best used car, truck or SUV purchase. Come out to our dealership-3899 South Redwood Road, West Valley City. Visit us online at WestValleyAutoPlaza.com, or call us at 801-886-1700.

West Valley Auto Plaza’s goal is to get you back on your feet in a good reliable pre-owned vehicle that you can afford at a fair price regardless of your credit situation. This is what we’ve done for over 11 years now, and this is what we’ll do for you. Feel free to shop around and see what others have to offer. We know you’ll end up choosing us, because we are the best out there, and we won’t jerk you around!

5 Questions to Ask Buy Here Pay Here Used Car Sales Dealerships

A used car dealer who goes by the "buy here, pay here" (BHPH) model provides financing for a consumer who wants to buy a car. The dealer actually provides the financing, rather than merely arranging the financing through a lender. Thus, the car dealer is more of a lender whose lending is secured by the car. Financing charges for this sort of financing are usually higher than conventional used car loan from banks and credit unions. But people are unable to secure loans from these institutions when they want to buy a car with bad credit, or less than perfect credit. So the BHPH financing provides the best option for individuals to purchase a used car. Watch this video to see how West Valley Auto Plaza takes good care of "bad credit used car buyers" in their efforts to finance a used car or truck purchase.

Whether it's your first time or your tenth time at a BHPH dealership, it's important that you know what to look for. Getting the right answers starts with asking the right questions. That's why this list of 5 questions is designed to give you a starting point in your conversation with a Buy Here Pay Here (BHPH) Dealer. Choose the ones that matter most, or add your own questions to get the information you're interested in.

1. What do I need to bring when I visit your dealership?
Bringing the correct documents to a BHPH dealership can speed up your purchase process. Although the list of items can differ depending on your unique credit situation and each dealer, we interviewed BHPH dealers around the country, and here is what they suggested you take:

• Driver's License
• Proof of Auto Insurance
• Financial Info (bank and credit card account info to fill out credit application)
• Social Security Number
• References (with complete contact info)
• Proof of Employment and Salary (paycheck stubs, with one less than 30 days old)
• Proof of Residence (mortgage document or rental lease agreement)
• Current Phone Bill (or other utility bill such as gas, electric or water)
• Down Payment

To find out exactly what to bring, call the dealership before you visit. They'll help you pull together everything you need.

2. How do you accept payment?
Instead of making monthly payments to a traditional lender, you make weekly or bi-weekly payments at a BHPH dealership. Many BHPH dealers require you to bring cash physically to their location, but some are expanding the ways they'll accept payment. Ask if they take payment by phone or online. Some dealers will require an automatic withdrawal if you currently have a checking account, savings account or credit card. Other dealers offer the option of paying through money orders. Explore a variety of payment methods with your dealer to find one that best fits your financial situation.

3. What is your late payment policy?
You'll want to understand the dealership's late-payment policy. Will they repossess the car the day after you fail to make a payment, or is there a grace period? Will they contact you or simply take the car back with no questions asked? More than likely, this will never be an issue, but it's good to know what to expect if an emergency temporarily delays your payment. You might also ask if the dealership regularly reports both positive and negative payment information to the credit reporting agencies. If you have a good payment record and the dealer reports this information, this can help you start or rebuild a credit history.

4. Where are you located?
When selecting from a list of BHPH establishments, location is important. Pick one close to where you live or work so that it's convenient to come in to make your payment. What's more, BHPH dealers prefer to work with customers who live close to the dealership so that it's simple to maintain the financial agreement geographically. So, finding a dealership nearby may make it even easier to get the car loan you need.

5. What value do you place on providing quality vehicles?
Bad credit shouldn't prevent you from getting a good vehicle. In fact, many BHPH dealers are focused on offering reliable vehicles. They understand that to ensure your faithfulness to the payment plan, they need to offer you a dependable vehicle. Ask dealerships about the inspection standards or reconditioning processes they use to prepare vehicles for purchase. See if they offer maintenance and repairs onsite, or if they have a partner provider who does. A reliable vehicle serves the interests of both parties, and a dealer should be happy to provide you with this information.

Watch this video on how we help you buy a used car in Salt Lake City. Don't be fooled with "Buy Here, Pay Here" used car lots (or jerked around). We have worked hard to find, select and finance you for your best used car, truck or SUV purchase. Come out to our dealership-3899 South Redwood Road, West Valley City. Visit us online at WestValleyAutoPlaza.com, or call us at 801-886-1700.

West Valley Auto Plaza’s goal is to get you back on your feet in a good reliable pre-owned vehicle that you can afford at a fair price regardless of your credit situation. This is what we’ve done for over 11 years now, and this is what we’ll do for you. Feel free to shop around and see what others have to offer. We know you’ll end up choosing us, because we are the best out there, and we won’t jerk you around!