Friday, July 29, 2011

8 Steps For Used Car Buyers With Less Than Perfect Credit To Buy Used Cars Or Trucks



If you have less than perfect credit, or bad credit, financing a used car purchase in Salt Lake City should not be a huge problem (the National Debt is a huge problem, but not your individual credit situation). Lenders might be willing to loan money to those of us with less than perfect credit, but it will cost more. While it is possible to buy a used car with substandard credit, it is difficult. If you decide to borrow, consider these steps to take to obtain a used car loan with poor credit:

  • Go online to get a copy of your credit report. There are many websites that offer this service for free. The three nationwide consumer credit reporting agencies are: Equifax, Experian and TransUnion. Print the reports and be ready to answer any questions about adverse credit history to the lender. Check your credit reports for potential inaccuracies, correcting mistakes with each bureau.

If your score is below 600, expect some trouble securing credit, at least with favorable terms.

  • Determine your budget. If you are set on an expensive car, your chances of obtaining a loan can be diminished. Even if you are approved for financing, your monthly payment could weigh you down. Ideally, you should determine a budget based on income and expenses. A good online budget calculator can be found at http://www.bankrate.com.

Be realistic. When buying a used car, you not only have to consider monthly payments but insurance and maintenance. Up-front costs include vehicle registration, taxes and tags and in some areas, property taxes. Include those costs in budget planning.

  • Arrange financing through the dealership. At our dealership, West Valley Auto Plaza offers creative car or truck financing options. See this video on how our creative financing options help you buy the used car or truck you need, without embarrassing hassle. Business is booming at our dealership, because of filling your used car and financing needs.
  • Apply for credit at your local bank, where they know you and your credit history. If you can, become a member of a credit union. They are often more lenient in their lending policies than banks and often have their own used car auto financing department.
  • Shop for a loan. Commercial banks, credit unions and other financial institutions are potential lenders. Before applying, explain to a loan officer your credit history and ask what rate is available. Do not authorize access to your credit report as that "pull" will lower your score. Only after you find a lender with a potentially favorable offer, fill out the application and give it permission to review your credit. Once you are preliminarily approved, a loan underwriter will likely follow with a formal approval.
  • Show the lender mitigating circumstances. Demonstrate proof of steady and sufficient income and residence for at least one year as well as a telephone listing in your own name. Be prepared to have a large cash down payment, about 50 percent of the purchase price, to be considered for a new loan.
  • Consider getting a co-signer. Choose someone you trust, who has sufficient and verifiable income and excellent credit. Remember that if you default, your co-signer is fully liable for your debt, so choose wisely.

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!

Saturday, July 23, 2011

Used Car Buying: Use This Pre-Purchase Checklist

Use this checklist while buying any used car you are considering buying. Following this checklist assures you will cover all the bases when checking out a car or truck to buy in Salt Lake City. A used car purchase must be considered carefully. Here are some car buying guidelines:

Body or Paint Work. The Conditions noted below may indicate that the car was wrecked, poorly kept or has been driven excessive miles:

· Look at the vehicle during the daytime as darkness may hide problems.

· Do not look at vehicles in the rain, which hides nicks and scratches, as well as making thin, worn paint look slick.

· Concentrate on big defects, not minor repairs they can be made easily and inexpensively.

· Look for ripples, waves, poorly fitted panels and mismatched colors, which may indicate that bodywork may have been done.

· Look for dents or rust around the bottom of the doors and fenders. A bubble along molding or chrome indicates rust underneath.

· Look under the vehicle for rust as well. Rust gone through the metal could be major repairs.

· Check for welding spots on the frame that may indicate a serious accident or repairs.

· Open and close the doors, hood, trunk or hatchback. Be sure they fit and are easy to close without slamming, sagging or sticking.

Car Needing Service or Repair: The Conditions noted below may indicate that the car needs service and/or repair work:

· Stand back approximately 10 to 15 feet from the car and see if the car is level. If one corner seems lower than the others, it suggests a broken spring or other chassis or suspension problem.

· Check the shocks by pushing down on each corner of the car and letting go. Your car should bounce upward only once and then settle back to its original position. If the car bounces several times, new shocks may be needed.

· Check the tires. They should be in good shape without sidewall cracks. Uneven tire wear may indicate improper wheel alignment, tired shocks or worn front-end components.

· Check the inside of the tires for brake fluid leakage (indicating leaking wheel cylinders).

· Look under the car for oil spots, or leaks from the transmission, power steering or shock absorbers.

· Open the hood and check belts and hoses for cracks or wear.

· Remove the radiator cap. The coolant should be a clean, greenish (or blue or yellow, depending on brand of coolant used) color. Brown sludge inside the radiator neck may indicate poor maintenance.

· Pull out the oil dipstick. If the oil is gummy or grayish, the engine might have serious problems. If there is a black buildup near the top of the dipstick, smell it. A burnt smell indicates that the engine or transmission has been run hot.

· The automatic transmission fluid should be clear and reddish in color, not brown or black. A burnt smell or low fluid level indicates neglect.

· Be sure and check the fluid level in the master cylinder as well. If the fluid level is low, check for leaks and have brake pads checked. Look inside the trunk. Make sure there is an inflated spare tire, a jack and a lug wrench.

Inside of Car. The interior can give you a good idea of the overall condition and how well the entire car has been maintained.

· Mileage Today's cars average approximately 15,000-20,000 miles per year. In addition, compare the service stickers on the doorjamb or under the hood to see if the recorded mileage is consistent with the odometer reading. It is possible to obtain a history of service as well, depending on where the vehicle was serviced.

· Seats, belts and carpeting. Lap belts and shoulder harnesses should be in good shape with no rips, tears or frayed webbing. The upholstery should be clean with no large rips or cracks.

· Windows: See if they open and close easily. Manual windows should crank smoothly. Power windows should not hesitate. All glass should be free from serious cracks or scratches.

· Pedals: brake, accelerator and clutch. These pedals should work smoothly without strange noises or binding.

· Lights and flashers on the car should operate properly.

· Warning lights and gauges: Start the engine and check the warning lights, gauges and instrument panel, as well as all the accessories to make sure they work.

· Heater and the Air Conditioning: No matter what the temperature is outside, be sure to check both the A/C and heater.

· Glove box: Look in the glove box for the owner's manual. It contains maintenance information and important data on engine tuning, fluid capacities and replacement parts.

Drive Test: Before taking out on the road:

· Start the engine and press down on the brake. The brake pedal should go down only an inch or two and should feel firm and solid, not spongy. Press down on the brakes for about a minute. If the pedal sinks slowly, there may be a leak in the master cylinder.

· As the engine warms up, listen for any noises such as knocks, ticking and rattles, which could indicate engine problems.

· Put the car in neutral and rev the engine. Look in the rear view mirror to see if there is any smoke coming out of the exhaust. If there is a lot of white or bluish smoke, the engine may need an overhaul.

· At idle, the engine should be smooth and quiet. Punch the gas pedal to see if the engine responds without hesitation and then returns to normal idle.

Drive Test: On The Road:

· When first starting out, drive slowly to get the feel of the car. The automatic transmission should shift smoothly without jerking, slipping or hesitating.

· A manual transmission should shift smoothly between gears without grinding.

· The clutch should engage and disengage smoothly without grabbing or chattering.

· Make sure the reverse works.

· Drive on a flat, smooth road and lift your hands slightly from the wheel. The car should track straight and be stable without vibration. If the car pulls in either direction or "shimmies", a front end alignment or other front-end repairs may be necessary.

· Brakes:To test the brakes, accelerate to 30 to 40 miles per hour. Make sure there are no cars behind you, then step hard on the brake pedal. If possible, buy a car equipped with ABS Antilock Brake System. ABS simply keeps your brakes from locking up and allows you to keep your car from swerving and allows you to keep steering control on wet and slippery roads or during a panic stop.

· The brakes should grab evenly and the car should slow down in a straight line.

· If the car pulls to the left or right, it indicates the needs for brake adjustment or a system re-build.

· A grinding noise indicates badly worn pads or linings.

· Drive at 35 miles per hour and listen for any unusual noises. If you hear a whining sound from the rear-end, it may need replacing.

· Accelerate to 45 miles per hour. If the front end shakes or vibrates, the tires probably need balancing.

· Drive quickly over a rough road and listen for any loud squeaks or rattles.

· If the car bounces or bangs over small bumps, the shock absorbers may be worn and need replacing.

· After you have driven the car for a while, check the temperature gauge to see if it shows a high reading or if the temperature warning light (be sure this works!) comes on. These are signs of trouble with the cooling system and they can be very expensive.

· Engine Response: Accelerate hard on an empty road. The car should respond immediately. Back off and hit the gas again. There should be no hesitation or smoke from the car. The engine should accelerate smoothly with no strange noises.

· You may want to find a steep hill to check the engine's power. If there is a significant loss in power while climbing, the car may need an overhaul or a tune-up.

· While you're on the hill, test out the hand brake to make sure that it holds the car.

After Road Test Check:

· When you are through with the test drive, it's a good idea to turn off the car for a minute or two. Then restart the engine to see how well it starts when hot.

· Check again for leaks under the hood and beneath the car. Some leaks may only appear after driving.

· Check the tailpipe. An engine that is burning oil will leave a black, sooty oil deposit. A white, powdery residue usually means good fuel combustion.

Mechanic’s Inspection: We at West Valley Auto Plaza spend an average of $1000 on every car we put on our lot, to insure it will be a good reliable vehicle for years to come.We include a 12 month 12,000 mile power train warranty on every car we finance, so if a major repair does come up on the vehicle, you’re covered.

If you wish to take it to your mechanic, with a bit of notice, your mechanic will be able to go over the car with you, offering his inspection results.

There is nothing worse than driving a car that costs a ton of money to maintain, while making payments on that car. With a little upfront planning and analysis, lots of wasted money can saved.

We have a complete service department ready to help our customers at rock bottom rates when you do run into a repair problem.

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!

Friday, July 22, 2011

Fresh Inventory Of Used Cars, Trucks, and SUVs For Sale Salt Lake City



Due to overwhelming demand, our supply of used cars and trucks at West Valley Auto Plaza has been sold quickly, and inventory has naturally diminished. But do not worry. It just means fresh inventory of the best quality used cars and trucks is now being delivered to our dealership. We have worked hard to find, select and get you the best vehicles for your next used car, truck or SUV purchase. See some of the great used cars and trucks for sale 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!

Monday, July 18, 2011

3 More Happy Customers Of West Valley Auto Plaza Buying Used Cars In Salt Lake City



Three happy customers, all buying cars at West Valley Auto Plaza, share why they referred friends and family her to buy a used car in Salt Lake City. More happy customers, more great reviews, makes us work harder for your used car purchase and loan! Come see us at 3899 South Redwood Road, West Valley City, Utah, 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!

Friday, July 15, 2011

West Valley Auto Plaza "Second Chance Sales Event" Used Car Financing Thursday Through Saturday



Are you buying, or thinking about purchasing a used car in Salt Lake City? Do you have bad credit? Filed for Bankruptcy? Judgements against you? Maybe you have less than perfect credit? It is time for forgiveness! West Valley Auto Plaza's "Second Chance Credit Event" forgives bad credit, bankruptcies, judgements, and less than perfect credit, when you are buying a used car in Salt Lake City. Come out this Thursday, Friday and Saturday, and see how owner Nick Markosian works hard to put you in the best car or truck to fit your budget and needs.

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!

Tuesday, July 12, 2011

Save $400-$500 With Our $79.95 Auto Service Package



Affordable auto service repairs are just what car owners need-and what West Valley Meineke (at West Valley Auto Plaza) can deliver for you. Right now, come in and get your Auto Service Package-6 oil changes for a total price of only $79.95. That is about 2 years worth of oil changes (based upon average driving mileage intervals). Owner Nick Markosian wants to save you money, and extend the life and operation of your car or truck, with these auto service car care specials.
This package is worth several hundred dollars in actual services-as much as $400-$500 savings!!

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!

Monday, July 11, 2011

The Big Value Of Buying A 3 Year Old Used Car, Versus Buying A New Car



Should I buy a new car, or a used car? A late-model used car can be one of the best values you’ll find when buying a used car. With relatively low mileage, modern safety and convenience features, and usually a much lower price than similar new vehicles, those used cars are in the “sweet spot” of auto buying deals.

A Consumer Reports study of car owner costs shows that choosing a three-year-old used car instead of a new one can save you thousands of dollars over the first five years. In many cases that’s enough to pay for all of your gas during that time.

According to the used car savings analysis, buying a 2005 Toyota Camry with a V6 engine, for example, could save you about $13,000 over five years compared with buying a new 2008 version. At $4 per gallon, you could pay for all of your gas during that period (based on driving 12,000 miles a year) and still be almost $2,500 ahead.

Similarly, buying a three-year-old Ford Focus can save you more than $8,000 over the first five years, or the equivalent of four years of free gas, compared with buying a new Focus.

Need a large SUV but you’re scared of the dismal fuel economy? With demand for big SUVs plummeting and their used-car values dropping, you could save $25,500 over five years—or the equivalent of seven-and-a-half years of free gas—by buying a three-year-old Chevrolet Tahoe instead of a new one.

On average, you can save 32% in the first five years, by buying a three-year-old car. Similarly, with a one- or two-year-old car, you can save 19% and 27%, respectively.

Another big plus is the ability to get a more upscale model with more features for the same owner cost, as a less expensive new car. Buying a new $28,000 Ford Mustang V6 convertible, for example, would cost you about $42,500 over five years. For about the same five-year cost, you could buy a three-year-old Porsche Boxster Roadster, which is priced at almost $50,000 when new and is a more highly rated, fun-to-drive sports car.

Instead of buying a new Toyota Camry V6, you could own a three-year-old Lexus LS 430 luxury sedan for about $2,000 less over five years. The Lexus provides a roomy, better equipped cabin and a quieter, more pampering driving experience. Or you can pass up a new Ford Focus for a three-year-old version of the impressive Infiniti G35 sports sedan.


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!

Friday, July 8, 2011

Take The Stress Out Of Buying A Used Car In Salt Lake City



When you are searching to buy a used car in Salt Lake City, and you have credit issues, your only choices are to either waste time getting turned down for financing at big dealerships, or settling for sub-par used cars at "Buy Here-Pay Here" corner lots. Let us take the stress out of purchasing a used car by giving you a third option--coming to West Valley Auto Plaza this weekend. Owner Nick Markosian explains in this video why your best choice for financing a used car, without the hassle, stress and getting jerked around, is here at West Valley Auto Plaza.

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!