How to Save for A Down Payment
Saving is not a simple thing to do when you live paycheck to paycheck. What if there’s an urgent need to save so you can pay a down payment on a house or a car? It is easier said than done, but there are many things you can do to save money. Changing your habit on where you are putting your money can change how you spend it.
What Is A Down Payment?
A down payment is the amount of money you may pay initially to own a residence or a car. Beyond down payment, lenders will have to check your credit rating, credit records, and the total debt in addition to your annual earnings to look at how much they could loan you. This may sound scary if you’re financially unstable. However, there are ways to get your dream home or car.
How To Save
Before thinking about saving, calculate what you can afford. Saving for a down payment means reassessing your financial stability. Determining what your credit rating is plus your credit history choose where you stand in the market. Paying all your bills before purchasing a car or a house may be a wise component to do. You do not want bills piling up to stay in somewhere excellence compared to where you are now.
Saving For A Down Payment
Many people save for down payment for several years. The better your down payment is, the option to decrease your loan or monthly payments. Here are some ways to help ensure you have sufficient cash when it’s time to get your loan.
- Transfer a set amount io a special savings account each month. Set up an automated direct deposit into this account and commit to never using the money for any purpose aside from your purchase.
- Skip holidays for a year. If you store the cash you’ll have spent on vacation; you can see more enormous contributions closer to a down payment.
- Lower your expenses. Review your costs and search for what you can reduce or eliminate. Put the cash you will have spent on these objects into your down payment savings account.
- Reduce your high-interest rate debt. High-interest charges on credit cards can restrict your potential to shop. Pay off your high-interest charge credit cards. Start with your highest interest rate card; when you have paid the complete balance, close the menu, and proceed to repay the next. At a minimum, switch your credit card balances to the card with the lowest interest price.
- Borrow from a relative. Dads and moms or relatives assist when it is time to shop. Gifts can come from your family, spouse, or a home partner. Just be sure to include the quantity of the present in your mortgage application.
- Sell your investments. Think of this as a manner to move a number of your current assets into every other funding vehicle — your home. As you make payments on your loan, you accrue fairness to your home. As the price of the home increases, so does the return on your investment.
- Get a second job. Even temporarily, income from a 2nd job lets you make sizable contributions to your down payment savings.
- Look into down payment assistance. Some lending groups would possibly assist you along with your price.
Why Save Before Financing?
Financing a vehicle refers to the practice of taking out an automobile mortgage and then repaying it. While some dealers may provide funding and not use a down payment, there are more than a few perks to saving up a down payment before financing:
Lessen monthly expenses. A high monthly vehicle price can be a severe monetary pressure if you encounter an emergency in which it hampers your income. Making a larger down payment prematurely will reduce your month-to-month loan payments and position you in a higher position to weather unexpected monetary storms.
Lessen interest payments. The larger your down payment, the smaller your vehicle loan. The smaller your car mortgage, the less interest you’ll see in the long run pay over the path of your mortgage term.
Tackle other objects. Devoting less of your monthly profits to a car loan frees you up to attain other economic milestones, like paying off debt, investing, or saving for a down payment on a home.
Work Out How Much You Can Afford On A Car.
Sit down with your budget and decide how much room you’ll have for monthly car expenses. Aside from the car payment itself, don’t forget about additional charges like gas, insurance, registration, parking, and maintenance. You should stray away from spending greater than 10-20% of your net profits on transportation prices so you’ll have enough money left over for housing, food, and savings.
Set A Car Value And Down Payment Goal
You’ll want to determine whether to purchase new or used, which usually relies upon your month-to-month budget if your ideal automobile is well inside your account. If not, you’ll want to either purchase a used car or save a substantial down charge. A used vehicle has the advantage of being more affordable; however, buying a used vehicle also comes with some risks because there is a potential for more wear and tear.
If you plan to store a down payment, use a mortgage calculator to see the impact of down payment sizes. Keep in mind that there may be restrictions on your price dimensions, but 10-20% is an excellent beginning point.
Best Places To Put Your Down Payment
The cash for a down payment needs to be accessible and fast. Finding the balance of risk, reward, flexibility, and timing that works for you is critical for selecting amongst the options below.
Savings Account
Storing your budget in a savings account at the financial institution you do your checking is the most comfortable choice. As an existing customer, you may open savings account fast and then transfer money to it from your bank account, either manually or through routine transfers every pay period.
High-Yield Savings Account
Opt for a high-yield savings account. The most straightforward path might be to apply to your bank. Some economic institutions restrict these debts to existing clients.
Final Thoughts
Given that you’ll likely want tens of hundreds of dollars for a down payment, it’s sensible to carefully study where to preserve that cash and select the option that aligns with your wishes and priorities. If you need more, you can look at an online financial institution and earn extra money. If you put extra effort into your investments, it can offer excellent returns. But, it may be risky that the amount of your down payment may drop to the point that you need money.
Whether you have a down payment or you just need to come up with some income for closing costs, all it takes is a little effort to get there. From saving more money you are already making to increasing your earnings with new money-making ideas, an extra step can help you get into your new car or a new home at the right time.
Visit our conveniently located car dealerships in the Dallas, Fort Worth, and Houston areas. Our team of Auto Finance Specialists can help you find a great pre-owned vehicle especially when you are saving a down payment to buy your dream car, regardless of your credit histories. We understand that having a low credit score can leave you with financial setbacks, but we believe in second-chance financing.
How To Prepare Your Car For A Trade-In
Trading in your car is a sincere process; it will help you save a lot of money buying a new car. Besides, with thorough research, you could have the best deal ever on your next vehicle. Whether you are looking to trade-in your vehicle because it doesn’t run smoothly or if you’re searching for an upgrade, trading in is the best choice. Take the opportunity to prepare your trade-in by following some tips. This will surely increase your chances of making the most money when trading your car.
Regarding trading in your car, there are some necessary actions to consider. You may think your car is ready for trade-in, but dealers will determine its appraisal. Even if you are trading directly with a dealer, without buying another car, or want to change your old car for a new one, attention to detail is the key. Make sure that you get a fair value when you are trading in your vehicle. Let’s discuss a few tips on how you can prepare your car for a profitable trade-in.
Getting Your Car Ready for a Trade-In
The first action in trading-in your car is getting your vehicle prepared before you walk into our dealership. Clean the vehicle thoroughly–in and out. For the exterior, a new coat of wax and a clean wash should do the deal. For the interiors, begin by disposing of your items and then vacuum the area. You can have it detailed or do it on your own; making a good impression increases your chances of getting a better value.
Bring Your Vehicle to Us and Get an Appraisal.
Your goal now is to get a fair offer. We recommend getting a trade-in appraisal from Cars and Credit Master. Just remember that the trade-in value you’re offered can change depending on several factors, including the car’s condition, our current inventory, and the probability that the vehicle can be sold. The appraiser will deduct right away for any damage on your car you might need to have repaired.
Check and Clean the Engine and Vehicle’s Compartment.
Ensure the engine compartment; there are no tools, wipers, or empty fluid bottles inside it. Some detailers will clean it for you if that is something you need. Ensure that you use a quality degreaser when you do it yourself, making sure to get all the compounds off your hoses and belts. Your trunk should be clean and empty, do not leave boxes, empty bottles, or any tools in the trunk of your car. Also, make sure your spare tire is not flat, and there is no standing water in the vehicle.
Check Your Windshield Wiper Blades And Replace Them If Necessary.
Inspect the windshield wiper blades when you are trading in your car. Simply replace your current wiper blades with a fine good set with the correct size for the vehicle. When the appraiser turns them on to check the wiper fluid, they will clean the windshield off, and it should operate nice and smooth.
Replace All Interior And Exterior Broken Light Bulbs
Ask a friend or a family member to do a quick check of your headlights, running lights, brake lights, and turn signals. Do not forget to inspect your interior lights, as well, and replace them if necessary. Bulbs are inexpensive and can be bought online or at any local auto parts store near you.
Inspect And Replace Your Vehicle’s Fluids
The appraiser will check your car’s engine oil, radiator, transmission fluid, brake, and windshield wiper fluid. Make sure you replace them all and top off and leave the tiny sticker on the windshield. They will inspect your car’s fluids if they found an expired sticker on your windshield. This also gives an appraiser a good impression that you keep up with your car’s preventive maintenance.
Change The Air Filter And Schedule A Tune-up.
If your car is getting a hard time running, you can schedule a not expensive tune-up at a local quick-service place. They will try and upsell you everything, but the important thing is your vehicle’s basic tune-up. If you don’t want to spend money on a basic tune-up, at least ensure that you change your car’s air filter.
Retouch Any Chips And Scratches
There are plenty of chemicals and compounds out there to cover or conceal scratches long enough to trade in your car. You can also use car touch up paint; just ensure that you take the correct color code of your car and spend time retouching the scratches. You can visit local auto parts stores, and they will help you learn how to find the right paint code for your car.
Ensure That Your Air Conditioner Is Working And Blows Cold
If your car’s air conditioner is not working correctly or not blowing cold, this can be an issue. Spend the money and effort to check on it. You may also consider having it checked by a mechanic to ensure that it will blow cold long enough and be ready to trade-in. Appraisers will deduct a considerable amount of money for an air conditioner that is not working. As long as your air conditioner is blowing cold air while your vehicle is being appraised, it should not be a problem.
Adjust And Rotate The Tires
If your vehicle rotates right or left, you may need to inspect the wear on the tires, or you may want to take a quick alignment. Tire alignment refers to an adjustment of a vehicle’s suspension–the method that connects a car to its wheels. Most mechanics will rotate your tires, check them, and align your vehicle. By doing this, it will keep the appraiser from subtracting additional money from your total value. Pick up any low-cost tires before trading your car if your tires are beyond repair. It doesn’t have to be a new one but ensure that they have some tread on them.
Always Bring Your Car’s Title With You.
Make sure the car has a title in your name, and the vehicle identification number(VIN) on the label is the same as the VIN on the vehicle. Remember never to sign the tag until you’re signing the documents for your new vehicle. Also, do not store your vehicle’s title in the car. You should keep your vehicle’s title in a secure place like a file cabinet or safe in your home.
Final Thoughts
The easiest way to increase your trade-in’s value is by proper maintenance and cleaning. Not all used cars will be perfect or damage-free, so repair what you can before coming into our dealership. If your vehicle is ready for a trade-in, but you worry that your credit will prevent you from the car-buying process, Cars and Credit Master is here to help.
Visit Cars and Credit Master today! Get the best deal on your trade-in as we have over 500 vehicles in our online inventory, so schedule your trade-in appraisal and contact our dealership today!
8 Ways To Get Your Car Ready For Winter Season
Winter is coming, and in the previous blog, we talked about car care maintenance tips in different seasons. Winter can be harmful to cars, which is why its essential drivers prepare well in advance of when the severest conditions arrive. Whether you’re on the highway or warming up the car in the driveway, winter can cause trouble.
When winter begins, that is the time to get your car ready. The last thing you need in cold, wet weather is driving on smooth or dry-rotted tires. Like the seasonal changes, your car might need a cold-weather overhaul if you want the vehicle to be in its best condition.
A proper winter car preparation prevents a breakdown or even an accident. Every money and all the effort spent will be more than worth it. Because of this, we reached out to our top-notch auto experts. Here are the eight ways to make sure your car is ready to endure cold weather for a safe driving experience.
Check Your Battery and replace, if necessary.
Car batteries lead to a malfunction in the winter due to the added pressure placed on them by cold weather. Cars and Credit Master recommends testing your car’s battery and ensuring there is no corrosion on the terminals. Moreover, consider having it inspected by our auto expert who can advise replacement if needed.
Maintain your car battery to have a longer life during winter. Turn off interior lights and disconnect all accessories when you are not driving. Taking short trips during the winter can also prolong the battery lifespan. The alternator might not fully charge the battery during short trips, and partially discharged batteries are more likely to get frozen. So be prepared, because if not, it will not have enough power to start the car’s engine on your next ride
Check Your Tire Pressure
Tire pressure can be an issue during cold weather due to the temperature dropping. As improper tire pressure lessens control of the car in all conditions, proper inflation is essential in harmful conditions.
Maintain handling, durability, and traction for safe driving by keeping your tires within the recommended pounds per square inch (PSI). A small shrinkage in pressure is hard to see by the eye, but it can impact driving. For safety, we recommend checking tire pressure every time you visit a pump.
Get a Set of Winter Tires
Winter (or snow) tires are essential for safe driving. They are also the perfect option if you make trips through cold weather zones or the higher elevation areas during winter. The best winter tires will provide an enhanced grip in some of the most critical winter weather conditions.
Because tires are crucial to navigation and safety while driving, it’s imperative to purchase a set that can firmly secure your vehicle to the ground and limit slipping. It can help safe driving on skidding and slippery roads.
Inspect Your Antifreeze level
Antifreeze is one of the most significant winter compounds because the liquid in an engine’s cooling system is composed of a blend of antifreeze and water. An antifreeze mixture is used to manage freezing-point depression for cold weather. Common types of antifreeze increase the boiling point of the liquid, allowing greater coolant temperature.
Apply an antifreeze checker or take the vehicle to our service center to measure the antifreeze’s power. All fluid levels should be checked and replaced as necessary. Antifreeze can lose its capacity to stop freezing in cold winters and can prevent corrosion in the interior.
Check Your Brakes and Windshield Wiper Fluid.
Brake fluid starts to get dirty in the winter and captures water molecules in it that are not good for the car, so consider getting fresh fluid for the brakes. It is also vital to purchase winter washer fluid because other samples can freeze up in cold weather.
Make sure to check the wiper blades to get ready for the season. If they are broken, replace them immediately. Maintain your windshield wiper fluid replaced and prepared all the time. Be sure that when cold weather arrives or your windshield gets dirty, your vision is clear.
Check Your Exterior Lights
The days are shorter, and the weather is worse during the winter months, so maintaining your headlights and brake lights is an essential aspect of any winter car checklist. Check and clean your lights regularly. The grime and dirt can instantly build-up, reducing the lights’ effectiveness and reducing your visibility to other road users. It is best to keep the lights on in all sorts of weather, as it helps to be seen easily.
Consider Keeping Your Gas Tank Always More Than Half Full.
When there is a lot of space in a gas tank, moisture will start to build up, and this can reduce fuel and put excessive strain on your car’s pumps and other parts. If that built-up moisture freezes, the damage can be much more critical. This makes it crucial to keep your tank as full as possible during the cold weather. Keeping the gas more than half full can prevent the water from building up. Consider having a full tank to help avoid a new car from suffering damage caused by interior moisture.
Inspect Your Wiper Blades, replace if needed.
Your car’s windshield wipers are essential for safe driving. They wash away water and other debris that can affect your vision when driving. Nevertheless, your windshield wipers can be damaged and might require replacement.
Your windshield wipers don’t need much maintenance, but you must check them for any damages, at least. Make sure that your windshield wiper blades are getting into full connection with your windshield. Moreover, ensure that your wipers are not scratching or skipping on your windshield.
Deciding on a vehicle is a big decision for us. It is important to have something safe, something that will last, and many parents want something that looks stylish and modern. Cars and Credit Master specializes in helping our clients make it easy to choose what vehicle is right for them. You can check our online inventory and find the car that best fits your style.
There are some factors a parent should consider when looking at new cars. A traveler who enjoys taking a long and relaxing road trip somewhere they love. Also, those average people who need a vehicle for their daily use but cannot afford it. Our goal is to be a respectful and trustworthy business providing customers with an affordable and guaranteed auto credit for their automotive needs, not only in the sales and financing but also in regular maintenance of their vehicles after their purchase.
A perfect choice for parents is a vehicle with the most advanced safety equipment. This includes innovations like automatic braking, lane-change assist, and forward collision alert. You probably don’t want to take the kids along as you check out all the possibilities at buy here pay here dealerships, but do take them to check out your final choice. Before signing papers you want to ensure that everyone fits conveniently in the new vehicle and has easy access to what they need.
When looking at potential cars, check out if they are hand-picked, inspected, serviced, and meticulously detailed by expert service workers and ready to drive. Our inventory consists of CARFAX Certified cars and all have clean titles. They come from estates, private owners, banks, leasing companies, and other dealers. Most of them are lease returns or trade-ins.
Family Cars
Today you can choose from spacious hybrids, SUVs, sedans, and vans filled with safety features, and tech to keep everyone connected and entertained. Of course, with all those options, it can be tough to find the right family car for your household.
Nissan Versa Note SV
Safety Features
- Electronic Stability Control (ESC)
- ABS And Driveline Traction Control
- Side Impact Beams
- Dual Stage Driver And Passenger Seat-Mounted Side Airbags
- Low Tire Pressure Warning
- Dual Stage Driver And Passenger Front Airbags
- Curtain 1st And 2nd Row Airbags
- Airbag Occupancy Sensor
- Rear Child Safety Locks
- Outboard Front Lap And Shoulder Safety Belts: Rear Center 3 Point, Height Adjusters, and Pretensioners
- RearView Monitor Back-Up Camera
Kia Sorento Lx V6
Safety Features
- Electronic Stability Control (ESC) And Roll Stability Control (RSC)
- ABS And Driveline Traction Control
- Side Impact Beams
- Dual Stage Driver And Passenger Seat-Mounted Side Airbags
- Tire Specific Low Tire Pressure Warning
- Dual Stage Driver And Passenger Front Airbags
- Curtain 1st And 2nd Row Airbags
- Airbag Occupancy Sensor
- Rear Child Safety Locks
- Outboard Front Lap And Shoulder Safety Belts: Rear Center 3 Point, Height Adjusters, and Pretensioners
- Back-Up Camera
Infiniti Qx60
Safety Features
- Electronic Stability Control (ESC)
- ABS And Driveline Traction Control
- Side Impact Beams
- Dual Stage Driver And Passenger Seat-Mounted Side Airbags
- Blind Spot Warning (BSW) Blind Spot
- Predictive Forward Collision Warning w/FEB
- Tire Specific Low Tire Pressure Warning
- Dual Stage Driver And Passenger Front Airbags
- Curtain 1st, 2nd, and 3rd Row Airbags
- Airbag Occupancy Sensor
- Rear Child Safety Locks
- Outboard Front Lap And Shoulder Safety Belts: Rear Center 3 Point, Height Adjusters, and Pretensioners
- RearView Monitor Back-Up Camera
Hyundai Elantra GT Base 6A
Safety Features
- Electronic Stability Control (ESC)
- ABS And Driveline Traction Control
- Side Impact Beams
- Dual Stage Driver And Passenger Seat-Mounted Side Airbags
- Tire Specific Low Tire Pressure Warning
- Dual Stage Driver And Passenger Front Airbags
- Curtain 1st And 2nd Row Airbags
- Airbag Occupancy Sensor
- Driver Knee Airbag
- Rear Child Safety Locks
- Outboard Front Lap And Shoulder Safety Belts: Rear Center 3 Point, Height Adjusters, and Pretensioners
- Back-Up Camera
Hit the road with these great vacation vehicles
Nothing beats up your mood quickly than taking a long and relaxing road trip. Not every car is well-equipped for life on the road, and when you are going for a long trip, the last thing you need is a car that can handle it. The best road trip cars have comfy seats, lots of entertainment features, and lots of room for all of your equipment. These cars have what it takes to help you appreciate the road trip.
Mitsubishi Outlander SE 2WD
Safety Features
- Active Stability Control (ASC) Electronic Stability Control (ESC)
- ABS And Driveline Traction Control
- Side Impact Beams
- Dual Stage Driver And Passenger Seat-Mounted Side Airbags
- Low Tire Pressure Warning
- Dual Stage Driver And Passenger Front Airbags
- Curtain 1st And 2nd Row Airbags
- Airbag Occupancy Sensor
- Driver Knee Airbag
- Rear Child Safety Locks
- Outboard Front Lap And Shoulder Safety Belts: Rear, Center 3 Point, Height Adjusters, and Pretensioners
- Back-Up Camera
Dodge Journey GT
Safety Features
- Electronic Stability Control (ESC) And Roll Stability Control (RSC)
- ABS And Driveline Traction Control
- Side Impact Beams
- Dual Stage Driver And Passenger Seat-Mounted Side Airbags
- Tire Specific Low Tire Pressure Warning
- Dual Stage Driver And Passenger Front Airbags
- Airbag Occupancy Sensor
- Driver Knee Airbag
- Rear Child Safety Locks
- Outboard Front Lap And Shoulder Safety Belts: Rear, Center 3 Point, Height Adjusters, and Pretensioners
- Curtain 1st, 2nd, and 3rd Row Airbags
Ford Expedition XLT 4WD
Safety Features
- AdvanceTrac w/Roll Stability Control Electronic Stability Control (ESC) And Roll Stability Control (RSC)
- ABS And Driveline Traction Control
- Side Impact Beams
- Dual Stage Driver And Passenger Seat-Mounted Side Airbags
- Rear Parking Sensors
- Low Tire Pressure Warning
- Dual Stage Driver And Passenger Front Airbags
- Safety Canopy System Curtain 1st, 2nd, and 3rd Row Airbags
- Airbag Occupancy Sensor
- Mykey System: Top Speed Limiter, Audio Volume Limiter, Early Low Fuel Warning, Programmable Sound Chimes, and Beltminder w/Audio Mute
- Rear Child Safety Locks
- Outboard Front Lap And Shoulder Safety Belts: Rear, Center 3 Point, Height Adjusters, and Pretensioners
BMW X3 sDrive28i
Safety Features
- DSC+ Electronic Stability Control (ESC) And Roll Stability Control (RSC)
- ABS And Driveline Traction Control
- Side Impact Beams
- Dual Stage Driver And Passenger Seat-Mounted Side Airbags
- BMW Assist eCall Emergency Sos
- Tire Specific Low Tire Pressure Warning
- Dual Stage Driver And Passenger Front Airbags
- Curtain 1st And 2nd Row Airbags
- Airbag Occupancy Sensor
- Rear Child Safety Locks
- Outboard Front Lap And Shoulder Safety Belts: Rear, Center 3 Point, and Pretensioners
Vehicles under 15k
All of this is fine, as long as you can afford it. But what if life throws you an unforeseen circumstance—a layoff, demotion, divorce, or any harsh downturn in your financial situation that means you can’t maintain your monthly expenses. Suddenly, you’re staring at repossession at worst and black marks on your credit report at best. What should you do? Cars and Credit Master is ever-growing and will continue to ensure affordable auto loans to bad credit, no credit, and good credit customers.
Toyota Corolla LE 4-Speed AT
Safety Features
- Star safety system -inc: enhanced vehicle stability control (VSC), traction control (TRAC), anti-lock brake system (ABS), electronic brake-force distribution (EBD), brake assist (BA), Smart Stop Technology (SST)
- Front/rear crumple zones
- Side-impact door beams
- Daytime running lamps
- Dual front airbags w/occupant sensors
- Front seat-mounted side airbags
- Front & rear side curtain airbags
- ALR/ELR 3-point front & rear seatbelts -inc: front adjustable shoulder belt anchors, pretensioners, force limiters
- Child restraint system w/LATCH anchors
- Child protector rear door locks
- Tire pressure monitor system
- Front seat active headrests
- Energy-absorbing steering column
Dodge Grand Caravan SE
Safety Features
- Electronic Stability Control (ESC)
- ABS And Driveline Traction Control
- Side Impact Beams
- Dual Stage Driver And Passenger Seat-Mounted Side Airbags
- Low Tire Pressure Warning
- Dual Stage Driver And Passenger Front Airbags
- Curtain 1st, 2nd, and 3rd Row Airbags
- Airbag Occupancy Sensor
- Driver Knee Airbag
- Rear Child Safety Locks
- Outboard Front Lap And Shoulder Safety Belts -inc: Height Adjusters and Pretensioners
Nissan Juke S FWD
Safety Features
- 4-wheel anti-lock brake system (ABS)
- Electronic brake force distribution w/brake assist
- Vehicle dynamic control (VDC)
- Traction control system (TCS)
- Front/rear energy-absorbing bumpers
- Door guard beams
- Zone body construction w/front & rear crumple zones
- Dual-stage front airbags w/occupant classification system
- Front side-impact airbags
- Front/rear side curtain airbags
- 3-point ELR driver seat belt w/pretensioner & load limiter
- 3-point ELR/ALR front passenger seat belt w/pretensioner & load limiter
- 3-point ELR/ALR rear seat belts at all positions
- Front seat active head restraints
- Child safety rear door locks
- Rear child seat tether anchors (LATCH)
- Tire pressure monitoring system (TPMS)
- Energy-absorbing steering column
Ford Transit Connect XLT
Safety Features
- 4-wheel anti-lock (ABS) brakes
- AdvanceTrac w/Roll Stability Control (RSC)
- Driver/front passenger airbags
- Driver/front passenger-side airbags
- Passenger airbag occupancy sensor
- Safety belts
- Tire pressure monitoring system
- Collapsible steering column
Schedule a test drive after picking your car
A test drive is one of the prime aspects of choosing a car. By just seeing photos or reviews, a car may seem perfect for you. Once you sit inside it and feel it on the road, you might feel entirely strange about it. With this in mind, schedule a test drive with the right car for you. Once you have submitted an application, you will be contacted by customer service.
Final Word
With a search through our online inventory, note that the complete history of every vehicle offered for sale is readily and easily accessible on our website. We extend an open invitation for you to call, contact us online, email, or drop by any of our locations in the area and speak to one of our Credit Masters. You can also check out our social media pages — CarsMaster Dallas Fort-Worth, and CarsMaster Houston. We would love to help you find your next car!
Seasonal Car Care Maintenance Tips
The leaves are changing, the temperature is cooling down – It is officially time to think about the fall. Most fall season tips for car owners will likely turn around planning for winter. That is mainly because temperatures severely drop in the following two seasons. It will be helpful looking into preparing for winter as soon as you start to see the leaves fall—lucky for those who are prepared.
While it rarely gets freezing in the Dallas and Fort Worth area, it is important to adjust your car maintenance routine when the temperatures drop. If you will be traveling for the holidays to a cooler climate, make sure to fully prepare for heavy rain, ice, and other weather. Here at Cars and Credit Master, we are concerned about our client’s car care during the change of seasonal weather. Thus, we’ve prepared some seasonal car care maintenance tips to help your vehicle stay in top condition all season long.
Autumn/Fall
An accurate inspection of your vehicle during the fall months will go a long way toward ensuring safety and dependability when temperatures drop and extreme winter weather hits. A routine maintenance schedule also makes economic sense, increasing useful vehicle life, and helping avoid harmful repairs down the road. Whether you do it yourself or take your car to our service center. Cars and Credit Master advises basic car care maintenance tips to keep your vehicle run smoothly:
- Inspect all fluids, including engine oil, power steering, brake, transmission, windshields, and coolant.
- Inspect the belts and hoses to make sure they are not broken, frayed, brittle, loose, or giving signs of extreme erosion.
- Check the battery and change it if needed. Make sure the connection is neat, compact, and corrosion-free.
- Check the brake system annually and have the brake linings, rotors, and drums inspected when you change the oil.
- Check the exhaust system for leaks, damage, and broken supports if there is an unusual noise. Exhaust leaks can be dangerous and should be fixed immediately.
- Schedule a tune-up to help the engine deliver the finest balance of power and fuel-saving and produce the most economical level of emissions.
- Inspect the heating, ventilating, and air conditioning (HVAC) system. Proper heating and cooling performance are essential for interior comfort and safety.
- Monitor the steering and suspension system annually such as shock absorbers, struts, and chassis parts including ball joints, tie rod ends, and other components.
- Inspect the tires, including tire tread and pressure. Uneven wear indicates a need for wheel adjustment. Tires should also be checked for lumps and bald spots.
- Inspect the wipers and lighting so that you can see and be seen. Check that all exterior and interior lighting is operating properly and replace worn wiper blades so you can see clearly when driving during heavy rain.
Winter
Winter Season is terrible and throws all kinds of weather our way, sometimes making driving a frightening ride. Thus, it is important to be prepared, here are some tips to secure that you and your car make it through the season safe.
- Shift to a winter weight oil. Viscosity changes with temperature, so your car may benefit from a diverse weight of engine oil. A lighter weight engine oil will enhance engine start-up and give better lubrication during the cold season.
- Monitor your tire pressure. Be sure to check the pressure of your tires and spare tires at least once per month this winter. Properly inflated tires last longer, make your vehicle safer to drive and it can improve your fuel efficiency.
- Keep your gas tank at least half full. Keeping at least a half tank of gas will prevent condensation in your gas tank and block your gas line from freezing during the cold weather.
- Check your battery and replace it if necessary. Freezing temperatures will reduce your car’s battery power, so it’s important to keep the connections corrosion-free, clean, and tight. If your battery is old, you should consider replacing it with one specified in your owner’s manual.
- Apply the proper coolant. Your cooling system is one of the most important things to watch during the winter season. In cold areas, you may need to change the concentration, but your coolant concentration.
- Examine your brakes. Slow down or stop when you need to on slick and slippery roads. Check your brakes for wear and tear and buy some time to stop by replacing the worn brake pads.
- Check your exhaust system for leaks. Leaks can be dangerous when driving during the winter season with the windows closed. Ensure that you check your exhaust system to stay safe.
- Check your lights. Your lights may dim or burn out entirely and the plastic in your light covers will degrade and cloud, leading to deformed and dimmed illumination. Be sure to change both your bulbs and light covers to maintain high-quality lighting.
- Ready your emergency toolkit. Do not leave your home without a safety toolkit in the winter. Ensure that you have a battery pack, extra windshield washer fluid, and warm clothes or a blanket in case you get stranded.
Winter driving is a serious thing, be sure to drive slowly, be patient, and remember that there is nothing wrong with being cautious. If you don’t feel comfortable driving in bad weather conditions, pull over and wait it out or just stay at hom
Spring
After this long winter season, you’re likely ready to pack up for some adventure. For many people, this means family vacations, outing with friends, and weekend road trips. Chances are you are getting ready to hit the road, but are you certain that your car is in good condition to get to your destination safely? Cars and Credit Master are always eager to give you tips to prepare for this season. Spring is the ideal time to bring your car to our service center for a full inspection to identify any problems.
- Change oil and oil filter. Changing your oil and oil filter at the periods recommended in your vehicle’s owner’s manual is one of the safest ways to keep the engine running smoothly. Ignoring to replace engine oil can result in poor engine performance, higher fuel consumption and worst is critical engine damage.
- Check your fluids. If you change your oil and oil filter, don’t forget to check also your fluids. Check your power steering, brake, and transmission fluids. Remember that your power steering, brake, and coolant systems are closed, so low fluid levels mean a leak.
- Check your lighting. Check all exterior and interior light to distinguish any problems. When your car’s lighting is defective, other drivers may not get the directions that you mean to stop or turn.
- Check your filters. Your car has several filters that are important to its longevity and should be replaced regularly. Check your engine air filter, your cabin air filter, and your fuel filter for possible damage or blocking and replace them if needed.
- Check your tires. Check your tires. Tires are an important point of contact between you and the road, we need to take care of them. Rotate your tires and replace them if they are worn or damaged.
Summer
Before hitting the road in summer, you can take several simple precautions to keep your family safe and save money. Excessive heat and road trips can be tough on cars. Cracked hoses, leaky radiators, under-inflated tires, and dirty filters. It can greatly affect your fuel-efficiency or lead to a total breakdown. Cars and Credit Master advises you to check the following vehicle parts regularly during the summer to avoid breakdowns and car problems:
- Tires – Tire pressure changes with increasing temperatures, improper air pressure of tires puts you at risk for accidents and flats. Check your owner’s manual to make sure your tires are inflated to the recommended specifications.
- Hoses and belts – Check hoses for cracks, leaks, and loose connections. Hoses should be firm, especially where they are most vulnerable near clamps that connect to the radiator or engine. Soft or flexible hoses often indicate a problem. Likewise, check belts for cracks and damage. A smooth or slippery belt may be a sign of extreme wear. The material should not be separated into different layers. Talk to our mechanic about changing them when necessary or check your owner’s manual for instructions on how to do it.
- Air conditioner – The most frequent cause of a defective air conditioning unit is a low level of refrigerant. Have a professional check of your A/C with our top-notch service staff and mechanic unit for leaks and evaluate refrigerant levels.
- Air filter – Check your filter and replace it if it’s filthy. A dirty air filter is hard on the engine and lowers fuel performance.
- Windshield wipers – Replace your wipers if they are cracked or torn to maximize your vision during severe summer winds.
As the season is changing, you should care about the shape and condition of your car. Many people believe that winter is the only season that can have a climatic effect on a car’s performance, but in most weather, every season poses various distinctive challenges that should be defined with proper car maintenance.
Are you already having a problem with your car? Want to have it evaluated before the season changes? Contact Cars and Credit Master service center to provide top-notch maintenance and repair.
Most people want to have the highest credit score possible. But, they don’t have any idea how to go about getting it. Understanding fact from myth is crucial as consumers strive to do what they can to boost their credit score. A higher score can mean better terms on credit cards, cheaper rates on mortgages, and less costly premiums on auto and house insurance. It can make it possible to win approval for buying a car.
Depending on your car-buying and credit history, you may be familiar with getting turned away by banks and credit unions when it comes to applying for a car loan with bad credit. At Cars and Credit Master, we understand that just about everyone needs some sort of financial help at some point in life, whether it be financing to purchase a vehicle.
In other terms, a credit score has come to indicate much more than the likelihood of failure to pay on a debt. It is key to a better standard of living completely. Taking this into account, take a look at some facts and misconceptions that harm many people.
Credit Score Facts
Customers should be aware that there are definite facts about credit scores. Cars and Credit Master offers guaranteed approval regardless of your credit score or credit history. At our car dealerships, bad credit is no match. We offer not only some of the best rates thanks to our broad network of lenders and auto finance companies, but we also specialize in helping our customers with poor, little, or no credit and offering them an opportunity to buy a quality used car thanks to our in-house financing car dealership.
The Difference Between a Credit Report and a Credit Score
Credit reports and credit scores are different but similarly related. A credit report is a list of your transactions that affects creditworthiness.
Credit companies get that information and assign a statistical grade — your credit score. It’s an implication of how you’re managing your money, which is handy to know before you go shopping for a new house or car or apply for a credit card.
Cars and Credit Master has a Fast and Easy Credit Approval program for every credit situation. At our conveniently located car dealerships in the Dallas Fort Worth and Houston area, our team of auto finance specialists strives to find a great pre-owned vehicle for all drivers, regardless of their credit histories. We understand that having a low credit score can leave you with financial setbacks, but we believe in second-chance financing.
Unpaid Balances Can Harm Your Credit Score
Payment history is the biggest segment of your credit score. Regardless of the balance, there are deep consequences on your credit score for missed payments. The undertaking of financing a car with less than good credit may seem surprising, but to make the process easier, Cars and Credit Master put together some of the frequently asked questions. Our buy here pay here dealerships may help clear up the car buying process.
Tracking Your Score Can Prevent Fraud
If your credit score doesn’t seem accurate, you can check for mistakes or fraud on your credit report. Even if it seems correct, it’s a safe idea to review your record of transactions. A simple error is one thing, but if you become a victim of identity theft, you’ll want to know about fraudulent accounts immediately. Time alone will not reclaim your bad credit score. Credit scores will quickly increase with on-time installment payments on higher limits, like those used for used car loans.
Opening More Cards Can Affect Your Score
A variety of credit is good, but opening too many credit cards is a red flag. Whenever you sign up for a new card, your score will take a hit because of a hard inquiry. Retailers regularly tempt consumers with discounted shopping if they open a credit card, but know what you’re getting into and the impact it will have on your score. Closing old credit cards lessens your range of credit history, which will have a negative impression on your credit score.
Credit Score Myths
When it comes to getting approved for the best credit cards, your credit score matters while building a good credit score is an important piece of your overall finance image. Also, there are common misconceptions about what does harm your credit score.
Checking Your Credit Score Affects Your Score
Checking your credit score is considered a soft inquiry and does not hurt your credit score. Multiple hard inquiries by financial companies investigating whether to extend your credit are the ones that hurt your credit score. Don’t let it discourage you from applying for a home improvement loan or a car loan.
We value and respect your time, and having all of these can potentially have you driving away in a quality vehicle in about an hour. If you are not sure what does and does not qualify for our bad credit car financing, feel free to contact us, we are happy to answer all questions.
Your Partner’s Credit Score Affects Yours
Your credit score reflects only your financial transactions. Just keep in mind, if you and your partner jointly apply for a loan, lenders will look at both scores to determine creditworthiness.
If you have bad credit and need a quality used vehicle, Cars and Credit Master gives customers quick access to the type of credit you need. Cars and Credit Master team can offer great advice to customers on how to rebuild their credit through an auto loan. Contact our team to learn more.
If you have experienced divorce, recent bankruptcy, charge-offs, repossession, foreclosure, late payments, or have very little credit at all, you are in the right place with Cars and Credit Master. It takes only a few minutes to get approved online.
Higher Salary = Higher Credit Score
A good income makes it easier to pay bills and improves your chances of getting a loan. However, credit scores aren’t based on income. Whether you make a high salary per year, what matters is whether you pay your bills on time and don’t run up more debts.
At Cars and Credit Master, we try to make the car buying process as easy as possible. Qualifying for a bad credit auto loan is as easy. After filling out our auto loan application, all you need for guaranteed approval for a bad credit car loan is to have a job or be able to provide proof of income, proof of residency, and have a valid government-issued ID.
Your Age Matters
Credit agencies track a lot of numbers, but your age is not one of them. Nevertheless, the younger generation usually makes less money and has less experience with credit, and that can lead to financial mistakes. But older people will be punished just the same if they make these mistakes.
Credit Blacklist
Credit agencies simply collect data and allocate scores. It’s up to individual lenders to decide whether your score meets their requirements. So there’s no secret list everybody consults. If you keep getting declined, it’s because you’ve blacklisted yourself.
Cars and Credit Master is the leading Top Rated Buy Here Pay Here dealership serving people who need a used car loan. If you have good credit, bad credit, or no credit or have been turned down with outrageous down payments, we can help you with our strong in-house financing options and flexible terms with fixed rates.
All Missed Payments Impact Your Score
Utility companies and insurance companies regularly check your credit score before continuing the service, but they usually don’t report your payment information to credit agencies. If you fall behind in these payments, they usually just cancel your service. However, a company seldom passes overdue accounts to a collection agency. The collection agency will report the missed payments to credit agencies and damage your score.
Employers Can See Your Score
Employers can access credit scores, but only if you give consent. No permission means no access. Cars and Credit Master is ever-growing and will continue to ensure affordable auto loans to bad credit, no credit, and good credit customers. If you are looking for quality used cars, trucks, or cargo vans in Houston, Dallas, Fort Worth, and surrounding areas like Richardson, Garland, Rockwall, Burleson, Cleburne, stop by one of our convenient locations. We are here to help you and exceed your expectations.
Final Thoughts
It can be hard to understand your credit score and credit reports. However, understanding the facts and myths that surround them can clear up a great amount of mystery. A good credit score can make a huge difference between approval and denial of different types of loans and credit accounts. Additionally, it means better interest rates and car insurance rates.
Have you checked your credit score report in the last few months?
20 Useful Maintenance Tips To Care For Your Car
You have purchased your dream car and now you want to make your car last longer. Properly maintaining your car is the key to keeping it in good condition. It can also help ensure your safety and your fellow passengers. Cars and Credit Master is ready to give your car the best service. Our top-notch service staff and car mechanics can get your car or truck in and out quickly, as we know the frustration of being without your vehicle while waiting for it to get repaired. That’s why our staff excels in providing top-notch maintenance and repair—doing it quickly.
Whether you just got a car or have been driving one for long, it all comes down to the maintenance. Certain car maintenance tips can help your car to be in good condition. Though, you must have the technical knowledge and know-how to keep your car in good shape. That is why we’ve prepared 20 useful car maintenance tips that can make your car last longer.
1. Regularly Check your Vehicle
Take the time to walk around your vehicle at least once a week. Examine your car and search for any damage. You should also inspect your tires for any corrosion, breaks, or cuts and test every lock, window, and even the roof of the car.
Cars and Credit Master services include;
- General Automotive Repair
- Preventive Car Maintenance
- Air Conditioning and Heater Service
- Cooling System and Radiator Repair
- Synthetic Motor Oil Replacement
- Oil Filter Replacement
- Brake Repair
- Engine Diagnostic
- Belts, Hoses, Fluids
- Transmission Services
2. Inspect the Air Filter
A lot of car problems appear when your air filters are obstructed or if they fit loosely. Air filters block pollen, dust, and other contaminants to maintain your engine healthy. The air filter can lessen the airflow into the engine when dirty. It will rob your vehicle of power, lower performance, and fuel conservation. It’s recommended that you replace your air filter quarterly.
3. Always Check Air Pressure
Tire pressure can affect the fuel economy. It also impacts the comfort and handling when driving. The car’s manual will have the recommended tire pressure specified in the owner’s manual. Usually, tire pressure should be checked every week, if you can. You can also ask a question about our service center to serve you better.
4. Clean the Exterior of the Engine
It is important to clean your car’s exterior engine as much as keeping the interior engine clean. If not sanitized properly, even minor debris in the wrong area can damage your engine. For example, when you check the brake fluid, some grease might fall into it. Because of this, the brake can be damaged. Therefore, be sure to check your brake fluid levels at least once every month.
5. Protect your Headlights
Turn on your headlights when you park in front of a flat surface to check if both headlights are working well and in good shape. Visually examine both turn signals by walking throughout your car and see your parking lights. You can also ask a friend to stand at the back of the car while you try the brakes to be certain that your brake lights are working.
6. Check your Battery
Your car battery is one of the most essential components required for it to run properly. The battery of the car is responsible for giving a large amount of electrical current for the engine, starter, and other electronic accessories in the vehicle. Severe temperatures affect the performance of the battery so proper battery testing will ensure that the battery will perform when you need it to.
7. Replace your Spark Plugs, if necessary
Spark plugs can impact the performance of your car’s engine and they are responsible for igniting the gas and air mixture that ultimately powers your vehicle. Thus, when the spark plugs are not functioning, it lets the engine to lose power and the optimal capacity will not function. You should get your spark plugs professionally checked.
8. Make your tires restored and rotated
Tire rotation is necessary to sustain the safety and performance of your vehicle. It gives your vehicle a more agile steering response and a smoother ride. Rotating your tires gives them a chance to even out erosion and helps prolong the life of the tires. Be sure to check the tire pressure of your car once a week and even before you go for a long ride or when you carry overload items in your car. The recommended tire pressure is usually posted on a sticker inside the driver’s door. If there’s no sticker on the door, you can check the owner’s manual and search for the specs.
9. Check on your Cooling System
Your car’s cooling system and radiator need to be clean to function completely and efficiently. Your car’s radiator creates collateral with normal wear and tear, which can interrupt the cooling system. With a radiator flush, you can keep your cooling system in shape quickly and inexpensively. Check the car’s manual to find out if you need to flush the radiator once a year or after every two years.
10. Check your Wheels for Brake Dust
The brake dirt on your car does not affect the overall function of your brake but it does ruin the look of the wheels. When you apply the brake, a mix of substances that come into connection with the brake rotor and brake pad which is the brake dirt. If these are exposed to the sun, they can leave serious spots on your wheel. Hence, it is important to clean the dust off your wheels with a damp sponge.
11. Inspect Drive Belts
Your engine provides power so that other parts and accessories run including the power that your vehicle requires to operate. Modern cars use a single belt which is also called a serpentine belt to rotate and connect from the crank pulley. As these belts are typically made of rubber or other polymers, they wear a lot even with regular use. So it’s important to check these belts regularly to inspect for visible hairline cracks or any change in their integrity.
12. Monitor Oil Levels
There are a lot of mechanical moving parts in your car’s engine that creates conflict as they stroke against each other. This friction generates heat and can lead to a vital loss in engine performance. This is why reducing friction from these parts is crucial to ensure smooth running.
Also, you might hear noises from your engine and a large reduction in fuel economy can occur. Check your engine’s oil level as an essential part of your car maintenance routine. It’s also important to look at the color of the oil, it shouldn’t be black. The black color usually indicates the presence of contaminants, excessive heat, and the addition of chemical additives.
13. Always Carry Automotive Tools
One good advice is to carry any necessary tools, so you can use them to maintain your car on the go and work with these tools in case your car faces various problems. For example, if you delay repairing a puncture, it can cause possible damage to your engine. Without having a tool kit, this can result in having to get your car towed. A set of tools can come in handy and will give you choices that you would not have. Not only are having tools useful daily but they can be useful in tough situations as well.
14. Protect your Car from Weather
Keeping your car away from the range of sunlight and trees can help your car’s paint and interior remain in good condition. Severe weather, harmful radiation, and nature can take damage to your vehicle. It is recommended to wash your car regularly and use protective means on plastic and rubber parts, a car cover is important as well. It will keep your car in the best shape for years to come so a car cover is a good purchase. As a result, you should keep your car covered when you are not using it and try to keep it inside your garage.
15. Wipe your Windshield and Replace your Wipers
A dusty windshield will not let you see clearly that it can cause inconvenience. They can create visual harm if not cleaned frequently and can result in accidents. For safe driving, the driver must have a clear view of the road. If you do not clean it, the dirt and particles will gather and can scratch the windshield when you use the wipers. Check your wipers when the rainy season is approaching and get them changed if needed. Your car’s glass can get scratches and obstruct your view if you use damaged wipers and it might lead to having to replace your entire windshield.
16. Check your Fluid’s Regularly
Get in the habit of checking car fluids along with the tires. When the engine cools down, open the hood and remove the oil dipstick. Clean the dipstick thoroughly and put it back again. When you pull it out now, you’ll notice the oil is up to a certain level. Check if the oil is at the correct level. Also, replace the oil every three months or every 3,000 miles, whichever comes first. By doing this, check even the fluid level of your power steering, the hoses, and belts and look for any signs of wear. Moreover, check the transmission fluid level after starting up your car. Get your tires and fluids regularly checked for the best performance of your car.
17. Inspect Engine Coolant Level
While there is oil in your engine to help lessen the friction between moving parts and help it block from getting heated at an extremely faster rate, your engine will also need a system that will help it get cleared of this created heat. That’s where the function of your radiator is needed and the fluid supplied to it is your engine coolant. If the coolant in the reservoir is running low or if it’s not there, then heat from the engine won’t get dissipated into the environment. This can make your car’s engine overheat. Before you start running out of your driveway, inspect the engine coolant levels as a part of your car maintenance checklist.
18. Replace Cabin Air Filter
You might want to replace the cabin air filter of your car especially when you have a passenger or family member that is allergic to dust and airborne particles. It’s one of the simplest ways to keep everyone comfortable and safe inside your car. You can always refer to the manual for the recommended time of replacement of the cabin air filters.
19. Check your Air-Conditioner
Before starting any air-conditioner related labor, it’s important to know what coolant you need. The air conditioner needs to have a proper level of coolant which is the cooling agent that keeps your vehicle running effectively. If your car’s A/C isn’t blowing cold air or there’s a clicking sound coming from the engine then most likely the unit needs to be restored. A properly working AC will not only make a vehicle’s passenger more comfortable and it’s also a great maintenance tip to follow.
20. Bring your Vehicle to Us!
There are some things that you can fix by yourself, there are also times when the car’s condition requires professional expertise. So at times like these, schedule car maintenance or car repair right here at Cars and Credit Master. When it comes to car care maintenance, things aren’t complicated. Your car just needs to be taken care of by our top-notch service staff and car mechanics. Furthermore, you get a higher resale value for its optimal condition. After all your car is your favorite travel buddy, isn’t it?
Final Thoughts
Your way of driving impacts the condition of your car. When you drive smartly and safely, there’s not only less wear and tear on your car but you also can save on fuel costs. Start by taking a look at your driving habits. If you’ve got a habit of getting off fast and applying brakes quickly, each smooth shift saves money on gas.
For what it is worth, if you follow all the maintenance tips included in this article, you can be sure that your car will last longer. If you have some questions that you would like us to answer, please write your opinions and send us an email or directly contact us.
Cars And Credit Master: Everything You Need To Know
Cars and Credit Master is the Top Rated Buy here Pay here dealership in Houston, Dallas, Fort Worth and surrounding areas like Richardson, Garland, Rockwall, Joshua, Burleson, Cleburne. We were established in 2010 serving the whole Dallas Fort Worth area with over 500 vehicles and continuously growing. Our company truly cares about our clients and their stories. We are proud to have one of the strongest in-house financing arrangements to help them get back on track with the help of our bilingual (English and Spanish) staff.
The mission of our company is to listen to our customers and offer them reliable vehicles with the most affordable terms in the market and exclusive upgrade programs to match their styles. Our primary goal remains to provide superior customer service while supplying solutions for client’s auto requirements. We are serving clients who need a used car loan, whether you have good credit, bad credit or no credit or have been turned down with outrageous down payments. We can help you with our strong in-house financing opportunities and flexible terms with fixed rates.
Cars and Credit Master Solution
That is why Cars and Credit Master is providing you with superior customer service and satisfying every customer with the service they deserve, regardless of whether they have bad credit, no credit, or low credit. Our goal is to be a considerate and trustworthy business providing customers with an affordable and insured auto credit for their auto needs, not only in sales and financing but also in regular maintenance after-sales.
Some used car dealerships may try to take advantage of consumers with bad or no credit. Cars and Credit Master team is dedicated to setting an example for other dealerships by offering a definite car buying experience and guaranteeing every customer is treated with respect and the great service they deserve.
What do we do?
We take great pride in our satisfied and repeat customers. We are also proud to be the best Buy Here Pay Here dealership with the highest customer retention rates in the DFW area. Thanks to our customers referring us to their relatives and friends, Cars and Credit Master is ever-growing and will continue to ensure affordable auto loans to bad credit, no credit, and good credit customers.
With five locations and a robust inventory of more than 500 vehicles, we guarantee you will find a low mileage vehicle to fulfill your needs. We emphasize customer service, and one of our Credit Masters is always ready to work for you. We make it easy for you to get started with our fast and easy, secure online credit application.
Bad Credit, Low Credit, or No Credit? We can still help you.
What is a Buy Here Pay Here Car Dealership?
There are different types of auto financing options, and all have advantages, but Buy here, Pay Here is way simpler than others when you have bad or no credit. In-house financing eliminates third-party finance companies and extends a loan necessary to make your purchase by keeping the business interaction between buyer and seller.
If you have experience struggling with a low credit score, you likely can relate to how challenging it can be to secure financing for a vehicle. Many financial institutions, including banks and credit unions, will turn you down, and if you need a loan to afford a new or used car, you are seemingly out of options.
However, buy here pay here car dealerships offer a unique opportunity to those with poor credit by offering them a place where they can secure a bad credit car loan. At Cars and Credit Master, we go beyond that by offering quality and a broad selection of reliable vehicles with low mileage and free full vehicle history reports. When you are unable to meet stringent credit standards with banks and credit unions, Cars and Credit Master will help you to get the credit approval you need to purchase your next vehicle with its own buy here, pay here program.
About our Vehicles
Our greatest assets are satisfied customers. With this, we have made an outstanding investment in our inventory which now consists of newer pre-owned cars and trucks. They are hand-picked, inspected, serviced, and meticulously detailed by our expert service workers and ready to drive! Our inventory consists of CarFax Certified cars and all have clean titles. They come from estates, private owners, banks, leasing companies, and other dealers. Most of them are lease returns or trade-ins. Up to 4 years warranties are available.
- Clean Title Vehicles
- CARFAX Certified
- Late Model Vehicles
- AutoCheck Report
- Inspection Report
Specialties
Cars & Credit Master is a licensed and bonded independent, premier used car dealer in the Houston, Dallas, and Fort Worth area offering quality, affordable, pre-owned vehicles at a competitive price with many finance options.
Cars and Credit Master is specialized in guaranteed auto credit approval, ensuring our customer’s great rates on reliable vehicles. With our convenient branches, we have been serving the entire Houston and DFW area for over a decade. Free full vehicle history reports, comprehensive vehicle inspection, and 1,000 miles warranty with extended warranty options are only a few of several customer-centered traits that set us apart from our competitors. Try us and you will see when you join the Cars and Credit Master family you will stay for life.
Why will you love Cars and Credit Master?
– Auto loans for all credit types
– Low Monthly Payments (Our Credit Masters’ job is to make sure your payments fit your budget)
– Fast and easy approval process – Know your down payment and monthly payments before you come to the dealership
– Over 500 Cars, Trucks, and SUVs in stock
– 3-month/36,000 Mile Limited Warranty included
– FREE AutoCheck® history reports
– Verified Google Reviews – 4.8 stars our of 5
– Comprehensive Reconditioning and Inspection
– Online payment options – Not your typical Buy Here Pay Here dealership Secure and confidential process
Buy With Confidence
With a search through our inventory, note that the complete history of every vehicle offered for sale is readily and easily accessible with a direct link to AutoCheck. Before each vehicle is offered for sale, it goes through a rigorous multipoint inspection and audit, so you can be confident in the quality of your purchase. We then add a boost to your assurance and comfort by offering a 3-year or 36,000-mile limited warranty.
One-Stop Auto Shop
You can’t go wrong with our one-stop auto shopping service. There is no third party financing service required as it is all handled in-house. With our low down payments and incredibly low monthly payments from our easy and ready credit approvals, we add limited 30-day worry-free driving, to bring the vehicle of your dreams within easy reach regardless of your credit history.
Cars And Credit Master Service Center
Schedule car maintenance or car repair right here at Cars and Credit Master. Our top-notch service staff and car mechanics can get your car, vans, or truck in and out quickly. We know the frustration being without your vehicle while it gets repaired. That’s why our staff excels in providing top-notch maintenance and repair and able to do it quickly.
Cars and Credit Master Services include;
- General Automotive Repair
- Preventive Car Maintenance
- Air Conditioning and Heater Service
- Cooling System and Radiator Repair
- Synthetic Motor Oil Replacement
- Oil Filter Replacement
- Brake Repair
- Engine Diagnostic
- Belts, Hoses, Fluids
Cars and Credit Master is proud to serve our community in second chance financing by offering affordable terms and quality vehicles. Whether you have no credit or bad credit, we can help you find a car you desire.
If you’re looking to buy a used car, you’re far from unique. Buying a used car is like going on a treasure hunt. With so many options, buying the right car for you can be a challenge. There are unbelievable deals out there, and with the technology of the Internet as a car shopping tool, you have every chance of finding a good deal on a car that meets your needs and fits your means.
Buying a used car can save you a lot of money compared to a brand new one. It will save you money on car insurance, depreciation, and registration, which is the loss in a car’s value due to wear and tear over time. This is why I am writing this blog—to fuel you with top checklists and tips to lessen the chance of any surprises when you are buying a used car.
1. Set your Budget
If you’re financing a car, the payment should not exceed your expectation. If you’re paying cash, budgeting is pretty easy, but do not consume all your savings. Cars need maintenance from time to time. Remember to set aside money for maintenance and possible future repairs. Also, there are other ownership costs shoppers sometimes forget to consider, such as gas and insurance. At Cars and Credit Master, we listen to your wants and wishes, and determine what car fits your lifestyle and budget. You can rest assured that we will help you find the right car at the right price.
2. Do Your Research
The most important thing to know before you buy a car is that you already have the idea. It’s a mistake to enter a car lot without first researching the car you want to purchase. You can find out just about anything you want to know about a car online.
Cars and Credit Master has one of the biggest inventories of quality used vehicles in the Dallas, Houston metroplex, and Fort Worth area, including a broad selection of SUVs, trucks, and vans such as Chevy Tahoe, Ford F-150, Chevy Silverado, and Cargo Vans. You can see available vehicles by checking out our car online inventory.
On the other hand, if you are considering buying a used car, research the current resale price for that particular car model. This data will give you major trade power. If you plan to trade-in in your current car, research market values for your vehicle, too. With that, the value of your trade-in can also be a powerful bargaining tool.
3. Stay up to date with Used Car Market Values
If you’re in the market for a used car, then looking at various sites on the internet is a great way to see what is around and what you can afford. You’ll get a good standard on whether you’re paying over the value, and with a variety of choices, you do not have to rush into buying a car if you don’t think it’s the right one for you. If you’re looking at mainstream models, then there will always be plenty of sample models that make a great offer if the price is not right. Check out our used car dealership guide to find out more.
4. Inspect the Car Carefully
Rain on the paintwork can hide a number of scratches, as will streetlamps, so try and look at cars in good weather, and clearly examine them in daylight. Take the time to look over every panel and all the surfaces on the interior. Older cars are bound to have odd scuff marks, so of more importance will be to make sure dashboards and accessories work. Do all the electric windows open at the same speed, and does the air-conditioning blow cold? Double check everything.
5. Always Take a Thorough Test Drive
It’s essential that you test drive your potential new vehicle. How the seats feel is an important factor. If you are not comfortable during your test drive, they’re unlikely to get better after you buy the car. Your sense of touch on the steering wheel may help you feel suspension, steering, or tire issues. Does the car start easily? Are there any strange sounds coming from the brakes or engine? Does the steering wheel pull to one side? Is there any significant smoke coming from the exhaust? Make sure you have insurance before driving, too.
6. Check the Car History Report
Unless you’re buying the car from a close friend or family member who can vouch for its history, plan to get a car history report. Our inventory consists of CarFax Certified cars and all have clean titles. This early step is essential. If the car you’re looking at has a serious history report, it is better to know sooner than regret later.
History reports can reveal necessary information about the car, including whether the odometer has been turned back or if it has a salvage title. In some cases, you just need a license plate number. Most dealers offer these reports for free if they have the car registration in their inventory.
7. Avoid Fancy Buying
Fancy buying is an unplanned decision to buy a product or service. Buying a car on an impulse is a risky attempt. You might realize after it’s too late that you can’t manage the car, or you may find that the performance of the vehicle does not meet your expectations. By researching the make, model, and style of the car, and reviewing insurance rates and financing, you should be able to put yourself in a car that you will enjoy for many years to come.
8. Wait for the best time to buy a Used Car
Once you’ve decided what car to pick, now you need to know how to get the best deal. One way to slash costs is to buy at the right time. Dealers have targets to meet, with bonuses up for grabs. Typically, these are based on quarterly sales, making the end of March, June, September, and December a good time to buy. They need to shift cars, so will be more willing to negotiate and offer attractive finance packages. Keep an eye on prices a few months before you actually buy – if they’re heading down, you may want to wait. Heading up, and it’s prudent to buy sooner.
9. Negotiate with a Good Deal
Buying a car is next to buying a house, one of the most important investments you will make in life. In fact, you may be paying off the car for the next five or ten years.
Do everything you can do to negotiate the car loan and bring the purchase price down. Start with an absurd number, and work backwards. Walk into the dealership with confidence, stick to your plans, and don’t feel bad about walking away from any offers. It might also be helpful to practice your negotiation strategies to prepare.
10. Finalizing the Deal and Payment
When you’ve agreed with a price and are going to buy a car, make sure terms are agreed in writing, with a receipt that both parties can sign and keep a copy. It should include car details, price, terms of sale and both the seller’s and buyer’s name and address.
If you’re buying through a reputable dealer like Cars and Credit Master there should be no concerns here, but it’s worth repeating the obvious advice about paying for a car. Be careful about taking large sums of money to pay for a car. If possible, use a money transfer. Never take cash to a meeting place that isn’t the seller’s home address.
Final Thoughts
In the end, buying a car is a major purchase, and it’s important to research every aspect of the process. Guide yourself so you can go into negotiations well-prepared to get the best deal possible on a used car. By following the tips outlined in this article, you’ll get the best price possible for your next car.
Do you have your own personal tips for buying a used car? What was the process like for your last purchase?
Car Buying Process In Five Steps
For most people, buying a car is a major purchase. You want to be sure that you do your due diligence and get the best contract possible, but navigating the financing and negotiating of car buying can be complicated. Cars and Credit Master is the leading Top Rated Buy Here Pay Here car dealership serving people who need a used car loan. If you have good credit, bad credit, no credit, or have been turned down with outrageous down payments, we can help you with our strong in-house financing options and flexible terms with fixed rates. You should consider these five steps if you are buying a new or used car.
Step 1 – Find and Pick up the car that is right for you
Many people buy cars based on what the car looks like or what they are familiar with. Instead of buying the same type of car you’ve always driven, it may be wiser to list the attributes you are looking for, and then do some research. Really think about what you want versus what you need. Come up with a list of options that would fit your needs and wants.
Step 2 – Look for Financing
At Cars and Credit Master, missed payments or other challenged credit situations do not affect your approval. If you do not have an active bankruptcy and meet our minimum income requirement, we ensure guaranteed credit approval. You can even use this payment calculator to determine your car loan payment.
If you’ve decided to buy, you also need to consider whether you will be purchasing a new or used car. Buying a new car gives you the ability to pick and choose exactly what you want. You will have the peace of mind of knowing that no one has driven the car before you and that the car is covered by a new car warranty. However, new cars are more expensive than used cars and quickly depreciate in value.
Buying a used car saves you money. A used car is less expensive and will depreciate slower than a new car. The downside is that used cars are an unknown quantity and will likely require more constant maintenance and repairs.
The undertaking of financing a car with less than good credit may seem unusual, but to make the process more comfortable, we put together some of the frequently asked questions that our buy here pay here dealerships receive that may help clear up the car buying process.
Step 3 – Negotiate a Deal
Once you have found a vehicle you are comfortable with, you may want to try and negotiate for a price that you feel is fair. You’re not bound to accept any offer—be polite, but stand steady with what price you have decided from your budget.
If you know your budget and price, you can shop around and let other sellers know what price you have been offered so they have an opportunity to beat the competitor’s price. Another option is buying from a private seller, but understand that those transactions won’t come with affordable financing options, any warranty, or service support.
Step 4 – Take Precautions
Once you have the car chosen, take your time with all the paperwork and also make sure to test drive the car. If you are buying used, our inventory consists of CarFax Certified or AutoCheck Certified cars and all have clean titles. They come from estates, private owners, banks, leasing companies, and other dealers. Most of them are lease returns or trade-ins. Also, it’s a good idea to get the vehicle inspected by a neutral third party mechanic — the cost of an inspection is well worth the comfort level knowing the vehicle is safe. Be mindful of feeling overly pressured. This is a big decision and you should proceed at your own pace.
Step 5 – Consider other costs
Your total transportation expense will include vehicle payment, as well as everything else;
– Insurance
– Gasoline
– Oil changes
– Ongoing maintenance
– License plate fees
Make sure you have combined all potential costs into your budget. Once everything seems good, you’re ready to purchase your car. By doing your research, knowing exactly how much car you can afford, and by taking your time, you can turn your car buying experience into a comfortable one.
Final Thoughts
What would make buying a car fun and easy for you? Chances are Cars and Credit Master has it all covered! You can even check out what our happy car shoppers have to say from their experiences!
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