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Locate a Ford Dealership in Union City GA

Listed below are five of the main Ford Dealerships that can be found in Union City GA . It is worth remembering that each dealer is an independent business and can be negotiated with to get the best deals on price and finance. There are also a selection of questions below that can be worth asking prior to purchase.

AutoNation Ford Union City

4355 Jonesboro Road
Union City, GA 30291
Sales: (770) 964-9801

Allan Vigil Ford of Fayetteville, Inc.

275 N. Glynn Street
Fayetteville, GA 30214
Sales: (770) 461-1151

Allan Vigil Ford

6790 Mt. Zion Boulevard
Morrow, GA 30260
Sales: (833) 868-7790

John Bleakley Ford Inc

870 Thornton Road
Lithia Springs, GA 30122
Sales: (833) 822-0271

Mike Fitzpatrick Ford, Inc.

238 Bullsburo Drive
Newnan, GA 30263
Sales: (833) 795-1431

How many miles to the gallon does it do ?

What is the vehicles mileage ?

What extras that the vehicle come with ?

Can you hold the vehicle for me while I make a decision ?

Will the Ford dealership deliver the vehicle ?

What are servicing costs ?

Locate A Royal Oak Ford Dealership

Below are the two main Ford dealerships in Royal Oak. Beneath are a number of questions that you might want to ask, as different dealers  will have different priorities.

Lewis Ford Lincoln of Hays

4450 Vine Street
Hays, KS 67601
Sales: (844) 219-1583

Beloit Auto And Truck Plaza Inc

3133 US Hwy 24
Beloit, KS 67420
Sales: (800) 748-8408

Does the car come with four wheel drive ?

For some people. this is a necessity, for others a luxury. Not all SUV’s are four wheel drive. and some smaller cars have a four wheel capability, so worth checking.

How long is the warranty ?

What does the warranty cover ?

Is it a manufacturer’s warranty ?

Do I need a new warranty for tires ?

What are the most common repairs

and what are the cost of spares ?

Are there additional fees such as dealership fees ?

Find a Ford Dealership in New Jersey

Listed below are five of the main Ford dealerships in New Jersey. There are many more can be found either through a search on Google, or through the main Ford website.

Ford Dealerships in New Jersey

Yaldeman Ford

607 NJ State Highway 33
Trenton, NJ 08619
Sales: (800) 939-6659

Lawrenceville Ford

2920 Brunswick Pike
Lawrenceville, NJ 08648
Sales: (609) 882-2900

Lucas Motor Company Inc

Route 130
Burlington, NJ 08016
Sales: (609) 386-3100

Haldeman Ford

640 Route 130 and Hickory Corn
East Windsor, NJ 08520
Sales: (609) 448-0940

Miller Ford Sales

1596 Route 38
Lumberton, NJ 08048
Sales: (609) 261-7836
It is sometimes a mistake to overload a search, unless you’re looking by very specific location.

Each Ford dealership in New Jersey is a separate business, and each can be negotiated with both for the vehicle and for the f Below are listed some of the most common questions that need to be asked, in addition to any specific demands all requests that the purchaser might have.

What are the most common repairs and what are the cost of spares ?

Understanding what are the cost of spares and what is most likely to go wrong with the vehicle actually quite positive contributions to understanding the maintenance and running costs of the Ford car or truck.

Every vehicle has maintenance and running costs, as well as things that might go wrong that hopefully will be covered under a warranty.

Knowing what the likely service charges and additional costs are you an idea in terms of what it will cost to run the vehicle, in addition to knowing its insurance costs and its depreciation  in value

Are there additional fees such as dealership fees ?

When negotiating the price of a vehicle, many people are surprised that once they have agreed a final price that when they come to actually sign the contract the figure can be significantly different to what they thought they had agreed.

This is because in addition to the price agreed, there are normally a number of additional item that are added to the contract. The most contentious of these relates to what are known as dealership fees.

These are normally quite vague in nature, but can be very highly in practice. They can relate to very specific items, or they can simply refer to a wide range of people work needed to be done in order to process the sale of the vehicle.

Historically, some dealerships of all  manufacturers have used the nature of dealership fees as a way of recouping some of the discounts they have offered on the price of the vehicle.

They hoped that by the time the individual came to sign the contract they would simply accept the additional fees and not want to renegotiate the whole deal.

This is simply something to watch out for, and when negotiating the final price of the  vehicle make sure that all additional items and fees are agreed upon and how that explicitly in writing from the dealership.

How many miles to the gallon does the vehicle do ?

This used to be quite a simple question to work out prior to buying a vehicle. Nowadays with the different sorts of transmission and hybrid vehicles available, whilst it is still a really important question in terms of running costs, it is a question that a dealership may be to help you more with than simple research prior to buying or leasing a car or truck.

What is the vehicle’s mileage ?

This is a pretty basic question anyone buying a used car or truck want to know, and historically was an area of concern as it was relatively easy for someone to alter the mileage vehicle to make it seem it had less usage and it actually had.

Nowadays, this is harder to do as all mileage readers on new vehicles are digital, but it may still apply to some older vehicles.

The other issue that becomes important with this is the history of the vehicle. If the dealership sold the vehicle initially, or has its history available, then it is much easier to have a real sense of its mileage as you will have a note of services three shall contain the milage recorded at each time of service.

What extras that the vehicle come with ?

Every vehicle will have extras, some of which will be included in the price and some be charged as additional costs. Extras are pushed by a dealership because they make a vehicle more personal, and make it more attractive to solve such. The important thing to remember that extras can be added afterwards, by  a dealership or third-party retailer, and not to get swain by the fact that  some extra attachments more attractive.

As with all items in the sale, clarity is key. Find out exactly what is offered and  what is not offered and at what price, and then make a decision based on that information.

Locate A Ford Dealership in Tulsa

Five of the main Ford dealerships in Tulsa are listed below, although there are many more to choose from.

Dealerships in Tulsa OK

Bob Hurley Ford

745 West 51st
Tulsa, OK 74107
Sales: (918) 445-6700

Fowler Ford, Inc

3400 South Sheridan
Tulsa, OK 74145
Sales: (918) 346-6500

Bill Knight Ford

9607 S. Memorial
Tulsa, OK 74133
Sales: (918) 526-2400

Matthews Ford

1101 West Southwest Expressway Dr
Broken Arrow, OK 74012
Sales: (918) 251-3673

Jack Kissee Ford Inc.

760 S Lynn Riggs
Claremore, OK 74017
Sales: (918) 341-0101

When deciding which dealership to purchase or lease a Ford vehicle from, there are a number of questions and issues that can be raised.

Some of the main questions are listed below

Does the car come with four wheel drive ?

For a lot of people, having a four-wheel-drive is a necessity not a luxury. Some SUV’s Four-wheel-drive and some do not, some normal calls a four-wheel-drive and some don’t.

This is normally a question that the individual would consider when deciding what type of car or truck to buy, and is crucial important to get right.

It is also important to check with the dealership how the four-wheel-drive operates, and if there are any special considerations relating to its use.

How long is the warranty ?

The issue of the warranty is really important. If it is a manufacturer’s warranty then obviously it is likely to be more wide in terms of its coverage and condition than a normal dealership warranty.

If a manufacturer’s warranty check to see how long is left on it, and also to make sure that it is transferable with the vehicle.

If it is not a manufacturer’s warranty, check to see if it is a standard Ford dealership warranty, also check to see if there is any extended warranty available or in place, and if so at what price.

What does the warranty cover ?

It is important to know what the warranty covers, and if there are major exceptions if these can be covered under some type of extended warranty. The basic rule of thumb is that the older the vehicle, the less likely the warranty is to be really effective in terms of time or cover.

That is not a reason to be put off by this, as some of the vehicles can be very reliable, but can also obviously be at more risk. A warranty is effectively some type of insurance policy, and this is just important to know what it covers and does not cover so you can adjust your purchasing accordingly.

Is it a manufacturer’s warranty ?

As mentioned above, a manufacturer’s warranty is is in many ways the fold standard. Even so, check what it covers and does not cover, and how long is left or it. This may well affect the resale value of the vehicle.

Also check if it needs an extended warranty on any specific items, or see whether the terms of the warranty have been complied with so far in the vehicle’s history, with such things as checking if manufacturers parts have been used in servicing and replacing any part of the vehicle.

Do I need a new warranty for tires ?

Tires can be a real headache in terms of warranty. A number of warranties will exclude tires, some will exclude or include them up to a particular mileage, and some warranties will cover them as a normal part of the vehicle.

Given the price of tires, and the need for winter tires as well  as summer tires, it is very important to have clarity as to what is covered and for how long.

 

 

Find a Ford Dealership in Houston

Finding a Ford dealer in the Houston area of Texas is relatively easy. What is more difficult is working out which one to go to, and where to start in terms of the different range of options available. Below are five main dealerships in the Houston area. There are many more, but these give a good insight into how a dealership operates, and what you might expect both on-line and in-person.

Tommie Vaughan Ford

120 North Shepherd Drive, Houston, TX 77008

Tel 713-869-4661

This dealership’s website is  well structured, and shows a wide range of useful information in an easy to access manner. There are  menus for new inventories, pre-owned inventories and work trucks.

There are also specific sections for the service center, for the parts center and for the collision center.

Chastang Ford

6200N Loop East, Houston TX 77026

Tel – 855- 587-2086

This Ford dealership’s website has similar sections on new vehicles, pre-owned vehicles and work trucks. It also has a separate section on finance and specials, and sections on service and parts.

There are also sections on  scheduling servicing, and ordering parts and accessories.

Russell and Smith Ford

3440 S LoopWest, Houston TX 77025

Tel –  888-463-8919

This Ford dealers website is perhaps more focused than others.

There are sections on new cars, used cars, work trucks and specials. In addition there are sections on service and parts finance and body shop. In addition, the website has a blog with a number of useful articles on buying or leasing a Ford car or truck.

There is also a section advertising special deals such as a one-year maintenance plan, a conference in car wash, complimentary  estimates,  complimentary shuttles and a range of mobile servicing options.

Sterling McCall Ford

6445 Southwest Freeway, Houston TX 77074

Tel – 281-588-5000

Sterling McCall have a similar range of options to the other websites listed above, but it is also perhaps worth noting that their sales hours from 8 AM to 9 PM Monday to Friday.

These are quite long opening hours, and especially useful to anyone working during the day and needing to access a dealership in the evening after work.

Doggett Ford

9225 North Freeway Houston TX 77037

Tel – 281 -878- 4200

This Ford dealer also focuses in on potential Spanish-speaking customers by offering the website in their language.

Whilst they have a wide range of new and used vehicles,  Doggett Ford make a special point of advertising their work trucks such as F-250, and have a long history of working with different types of Ford trucks, and can offer that experience as such.

Finding a dealership is best done either by going to the main Ford website where there is a special section on how to search by ZIP Code, location or speciality.

Alternatively, simply enter search terms in Google or Bing and do a normal search.

The issue very quickly becomes one of trying to decide which dealership to approach,  or where to get the best deal, whether buying or leasing a Ford car or truck.

By far the easiest way is to use the various dealerships websites, and do research as to what you think is most appropriate deal that has been offered. Once that has been done, you can approached the dealership either by phone, email or in person.

It is always a good idea to do as much research as possible beforehand, and to do as much of the negotiation either by phone or on-line before visiting the dealership.

This is simply because you have a much stronger hand if you are not physically in the dealership, but can walk away from it before you actually agree any deal.

Most Ford dealers recognise this nowadays, and many have specific Internet departments that are designed to help you through this process.

 

 

Ford Dealership Locations and Services

With over 3000 Ford dealerships in the United States alone, there is likely to be one very near where you live, and also very likely to be several that you would realistically be able to visit and choose from.

The Internet has given consumers a huge advantage when it comes to buying or leasing a Ford vehicle, not simply in terms of choice of dealerships.

Depending upon what type of car or truck you want, if you are prepared to do a fair amount of research on-line, then there is potential for significant savings.

Most auto dealers acknowledge that the Internet has transformed the nature of the industry from a buyers and sellers point of view, and many dealerships will have dedicated internet teams who are there to help you through this process.

Remember that all Ford dealerships are independent businesses, and all of them want your business. If you are prepared to do the research and negotiate with them either on-line, or by phone, before visiting the dealership then this puts you in a very strong position.

Ford Dealerships Near You

There are two main ways to find the nearest dealership to you live. One is to go to the main Ford website where they have a dedicated page to help you do this.

There is a search engine that allows you to enter your ZIP code/city or state which will bring up a number of results of dealerships nearest to where you live.

There are also a certain number of filters that allow you to break down the search a bit more specifically.

These filters relate to dealerships who can carry out certified electric vehicle repairs, dealerships who carry out collision repairs and dealerships which are open in the evenings.

There also filters that allow you to find a dealership for certain specialities, currently Quick Lane Tire and Auto Center, Owner Advantage Rewards Dealer and tire sales.

The other main way is simply to use Google or Bing and enter the search terms ‘Ford dealership’ together with your ZIP Code or location. This will bring up a number of dealerships close to where you live.

Used Ford Dealerships

Most Ford dealerships will sell a mixture of new and used vehicles, and their websites are likely to give you some idea of their inventories, and their current pricing structure.

If you are looking for a specific used vehicle, and no dealership near to you seems to have one, it is worth contacting one or two local Ford dealerships who may be able to source the vehicle from out of state.

Most Ford dealerships would be willing to do this if they have access to a nationwide database of used Ford vehicles, and would also save you the trouble of having to trawl through 3000 different websites.

Ford Dealership Parts

One reason people like buying from a Ford dealership is that they know that the dealer is likely to have a vehicles history to hand.

If it is a new vehicle this is also not an issue, it is a used vehicle then the dealer may have sold it originally, or may well have made enquiries as to its history when acquiring it.

In any event, a Ford Dealership should be able to specify that all parts that are in the vehicle are Ford made, or Ford endorsed. This is especially true of any vehicle that a certified pre-owned.

Whether a car is bought from a Ford dealership or not, many people like to have it serviced and maintained by Ford dealer simply because they know that Ford parts will be used.

This is sometimes about peace of mind, and sometimes about the fact that Ford parts will be needed in order to conform with any  warranty conditions.

People who are mechanically minded will often source official Ford parts themselves, either on-line or through local contacts and do the work themselves.

Ford Dealership Services

When buying or leasing a Ford car or truck, there are a significant number of components that affect the overall cost and pricing of the vehicle, and also its running costs for the next few years.

For this reason, it is well worth breaking down these components into their different areas, working out the best price for each one, and then negotiating with different dealerships to get the best overall deal.

Sale or Lease – Arranging Finance

Many people will apply for Ford Credit when they are considering either buying or leasing a vehicle, even if they eventually use another source of finance.

Arranging finance for a vehicle can be quite a complex process, and it is always a good idea to obtain alternative quotations from different sources, in order to be able to compare them on a like-for-like basis.

Different dealerships are likely to come up with different quotations, and it is worth remembering that all areas of finance are potentially negotiable, depending upon how good your credit score is.

This normally refers to as such as the size of a down payment, the interest rate, the length of the loan or lease agreement and possibly any costs involved in pay off the loan early.

Pricing

People often think simply about the sticker price for a Ford car or truck, but there are often many more costs involved.

With a new car there is a recommended manufacturer price, although it is widely accepted that a dealership should always reduce this by approx 10 to 15%.

Sometimes this reduction is shown as an incentive or a cashback offer, but it should always be considered a standard part of negotiating the price of the car.

In addition, many people will delve deeper and find out how much the Ford dealership agreed to pay Ford motor company for the vehicle, and base what they are willing to pay on this.

In addition, people sometimes take into account how long the vehicle has been part of the dealerships inventory, and how this will affect its pricing.

With a used vehicle, there are a number of ways of checking what his price should be, using Kelly’s blue book or similar.

Generally speaking, the vehicle’s price will be determined by its age, mileage and overall condition, plus any dealership markup.

Warranty  – Roadside Assistance

Any new Ford vehicle will come with a manufacturer’s warranty, which on the whole is self-explanatory.  Check that the tires are included. If  buying a used or second-hand vehicle then the issue of a warranty becomes a bit more complicated.

Firstly, check to see if the manufacturer’s warranty is still valid on the vehicle. These are normally transferable, and if some type of extended warranty was bought on the vehicle at the time of sale, check to see if that is valid on transfer of ownership as well.

Otherwise, see what type of warranties are offered in terms of parts and labour, and if it can be in any way extended and at what cost. Sometimes warranties can be bought from third-party companies, depending upon the age and condition of the vehicle.

As with any warranty, there are likely to be conditions attached to it in terms of using standard Ford parts, and in terms of regular servicing. Make sure these have been adhered to.

Some warranties will include some type of roadside assistance, which can range from being very basic in terms of covering the cost of a call out, through to returning you and fellow travellers to your home address, and can include things like overnight accommodation, replacement car etc as well.

Check to see if this is included, and also if it clashes with any other type of roadside assistance program you might have.

Auto Insurance

Most people know that you will need to have at least a minimum third-party liability insurance coverage on your vehicle.

Whilst it is  obviously beneficial to purchase more cover if you can afford it, it is worth checking with the Ford dealership if they have any links with any insurance companies who may be able to offer you favourable rates.

Before purchasing or leasing any vehicle, new or used, it is worth getting an idea or estimate of what the insurance cost is going to be. Insurance costs are both about the vehicle and the owner, and can be a sizeable factor in the final price that is paid, and in its annual running costs.

Servicing

Sometimes servicing of the vehicle is included as part of a sales deal, if not it is worth checking to see if it can be, and also if there are any discounts available.

It is also worth checking to see if the dealership will offer you a courtesy car while  yours is being serviced. Small things like that can make a big difference at a practical level, and can be easily negotiated at time of sale.

Product Recall – Safety recalls and Airbag Recalls

One advantage of buying through a Ford dealership, is that it is much easier to register your details, and to enable yourself to be notified of any announcements from Ford, or the specific dealership.

Announcements are normally either sales pitches, or product recalls. These normally relate to safety issues or things such as airbag recalls.  Whilst not common,  these are important and are quite often concerned with specific models  of certain cars, often bought between certain dates.

Without being registered with a Ford dealer, or with Ford itself, it is quite easy for product recalls to be missed as they do not always get much publicity in the press or media.

Incentives

Incentives tend to be inducements to buy. Incentives are normally offered either at a national level by Ford, or at a local level through Ford dealerships, or sometimes both.

There is no doubt that incentives can make a significant difference in terms of savings to any Ford vehicle that you may buy. The problem tends to be that sometimes inducements and incentives can blur the actual price that you need to pay.

It is worth doing your homework and working out what you would be likely to pay without any incentive or inducement, and then approach incentives as an additional benefit if they are applicable.

Incentives can be things such as special deals for students or people in the military, zero percentage interest rates on  loans for certain customers.

Often incentives relate to certain models of cars that a dealership is trying to shift, either because a new model is coming along, or they have an overstock inventories that they need to move.

This can also mean that it is often highly preferable to buy certain types of cars or trucks at different times of the year.

The answer to all of this is to do your homework and research. The more time you are willing to put in should reap real benefits in terms of savings.

Dealership Fees

Dealership fees are often thought of as being not that important, and are talked about in terms of paperwork. In fact dealership fees can often amount to significant amounts of money, often really unrelated to any type of work involved in generating such fees.

Dealership fees are often used as a way of clawing back some of the money that dealers have offered by way of discounts or incentives in order to secure a sale. This tends to be common practice in some, not all, dealerships of all manufacturers.

It is perfectly legal, but it is a good idea to be prepared for it.

The solution is simply to get the dealer to be specific about what the dealership fees are and what they relate to when negotiating the final price of the vehicle. It is simply about avoiding unpleasant extras that crop up once you thought you had agreed a final price.

Certified Pre-Owned

Certified pre-owned vehicles are a really good way of buying a used second-hand Ford car or truck with some degree of certainty that it is in good mechanical condition.

Ford will have done a number of checks on all main areas of the vehicle, and make sure that everything is in good working order.

It is worth checking with the dealership whether they that were the original point of sale, and/or if they have knowledge or records of the previous ownership of the vehicle.

This should give you some degree of certainty about its lineage, which together with the certified pre-owned checks will give some sense of security about buying a used or second-hand car.

Trade In Value

If you have a car or truck that you are thinking of trading in, it is well worth trying to get an estimate of its value independently before going to a dealership.  There are many on-line sites that can refer you to various guides, such as Kelly’s blue book, which should give you an indication of its worth, based on its age, mileage and condition.

This should give you a working knowledge of what its trade-in value is against any new or used car that you may think of buying. Bear in mind that a dealership will offer you significantly less than you might get if you sold privately, simply because they have to resell it and make a profit.

The trade-off from your point of view is really one of convenience, and the option of securing a better price on any new or used car that you may buy.

Find A Ford Dealership in Houston

Find a Ford Dealership in New Jersey

Find a Ford Dealersip in Tulsa

 

 

 

 

How To Get Best Ford Credit Lease Deals

Ford Credit offers finance to customers looking to buy or lease a Ford car or truck.  There are three or four main things to think about.

Whether to buy or lease, if buying, new or second hand, how to check your credit score, how to improve your credit score and how to get the best deal.

Many customers like the idea of being able to buy or lease a vehicle from Ford.

From Ford’s point of view, it can make the availability of all models more attractive to potential customers by the fact that they can arrange finance for them at the same time.

For many people when deciding to buy a new or used Ford, there are a number of options that need to be considered. Some people are not sure whether to decide on the car first, then decide on whether to buy a new or used model, or whether to lease one.

Whatever the process that a potential customer goes through, the options for arranging finance should be considered almost as a separate item.

It is possible to go to Ford’s dedicated website and to potentially obtain pre-approval for a loan, and also possibly be offered special deals on certain cars as a pre-approved customer.

This will at least give the potential customer some idea of how much money they are able to borrow, and on what terms and conditions and how much it is likely to cost them.

It is also a good idea to get pre-approval for a loan from one or two other reputable sources, as these can then be compared with each other and if necessary use as the basis for negotiation, either with Ford Credit or one of the other companies.

1.FORD CREDIT : SALES OR LEASE

One thing is worth pointing out, that arranging the credit with Ford at the same time as buying or leasing a vehicle does not mean that you get a preferential deal on either.

If anything, it can potentially complicate the issue slightly as lines can become blurred as to what you are paying for what.

The solution to this is simply to treat both items as completely separate, and to work out what you believe to be a realistic final sale price for the vehicle, and to work out the best rate and deal in terms of finance or credit, and then bring them both together.

Ford credit does have a number of specific plans or options which may be of particular interest.

2.BENEFITS OF LEASING

Leasing a new Ford car or truck can have a number of advantages over buying, the main one being that you enjoy the benefits of a brand new car without actually paying for it – of course you don’t actually own it either, which is sort of the downside.

Think of it as a sort of long term rental with anumber of conditions attached, also with some additional costs at the end of the lease period.

3.WHAT IS FORD FLEX BUY

This type of plan is fairly unique, and in essence gives the customer potential to vary the amount they pay over the period of the loan if they apply for and are accepted into Ford Credit.

This means that they might well pay less in terms of monthly payments at the beginning of the loan, and then pay increased amounts towards the end.

Overall monthly payments would even out as if they had paid same every month, but a customer will have flexibility to protest at the beginning and r on.

4.WHAT IS FORD MOBILITY FINANCING

A number of customers have what are sometimes referred to as mobility needs or special needs, where in essence the vehicle needs to be modified in order to be used by the potential customer.

The scheme that for operate helps with the financing both of the vehicle and any modifications that may be needed to help the individual private.

5.FORD CERTIFIED PRE-OWNED VEHICLES

This is quite a common and very effective sales technique, as well as making a loss of business sense.

The idea is to certify a number of vehicles that are essentially used vehicles, but which have been checked over by Ford and can be deemed to be mechanically reliable and safe.

Ford used the idea of a pre-owned and certified vehicle as a way of reassuring customers that the vehicle they are buying is as far as can be guaranteed reliable.

This can be a valuable way of buying a used car, what is important is to check what warranty it comes with, how long the warranty is for, whether that is the possibility of an extended warranty, and whether the warranty includes things such as tires and wheels.

6.FORD CREDIT – RED CARPET LEASE

The possibility of leasing a Ford car or truck has become increasingly more popular over the last few years, and is a sales technique actively promoted by Ford itself.

Red Carpet Lease is simply the name that Ford give to their various leasing plans, which in many ways similar to a normal auto loan, but with some differences that need to be understood. Any leasing plan can be thought of in many ways similar to a long-term rental agreement.

7.WHAT ARE LEASE END COSTS

There will be a down payment on the vehicle, a number of fixed monthly payments for the duration of the lease, and an assessment at the end of the lease where there may be additional charges for excessive wear or tear, or additional mileage charges.

It is important that at the beginning of the lease, or potential charges may be incurred during the lease or at the end of the lease are specified and agreed. It is also important that the basis of how the charges are worked out, especially in areas such as excessive wear and tear, are specified and agreed.

8.FORD CREDIT – FORD COMMERCIAL FINANCING

Ford credit plays a big part in the financing of commercial vehicles and trucks.

The process of arranging credit and finance is relatively similar to that of arranging a loan for a normal private individual, but there may well be additional questions or credit checks related to the individual, their family, their business or their business associates or partners.

This can sometimes seem a bit intrusive, but the reality is that arranging a loan for a commercial venture has different implications than are arranging a loan for a private individuals .

9.FORD CREDIT AND GAP INSURANCE

Gap Insurance is an important type of insurance, and basically covers the difference between the final sale price of the vehicle and its value as determined by the insurance company in the event of there being an accident the vehicle is a total loss or write off.

In this event, there is likely to be a significant difference between the insurance company’s valuation and the price paid by the customer, leading to a possibly large unsecured debt which will be the responsibility of the customer.Gap Insurance Is designed to cover this unsecured debt.

10.FORD CREDIT – VEHICLE PROTECTION OPTIONS

Vehicle protection is a really important part of deciding which vehicle to buy and whether to buy or lease vehicle. Ford offers a variety of different vehicle protection plans which include the warranty, possible servicing and maintenance contracts, roadside assistance and emergency contact help.

As well as most Ford dealerships or offer a significant amount of practical advice concerning how to look after the vehicle and maintain it in a good condition, especially in the winter.

11.FORD CREDIT INCENTIVES

Like most manufacturers, Ford will offer a number of different incentives throughout the year which can make a significant difference to the final sale price all lease payment schedule of a vehicle.

Some of these incentives may relate to certain categories of customer such as college graduates or people who are serving have served in the military.

Other offers will relate to certain vehicles or certain types of vehicles, there will be certain incentives offered at certain times of the year often as a way of offloading inventories, special finance deals may be offered by way of zero percentage contract, and certain deals may be offered to existing customers either as a way of getting them to buy a car they are leasing or to trade in a car for a new one.

BENEFITS OF A FORD PAYMENT CALCULATOR

A payment calculator can be a really useful tool in terms of helping you understand your potential repayment costs.

That in mind that your creditworthiness will be assessed by Ford credit, and it will be their judgement as to the level of risk that you represent financially, and they will charge you accordingly.

When working out your repayment costs it is well worth to do a budget of all your current monthly expenditure, as well as all your monthly income, and work out what you can realistically afford to pay back.

The repayment costs should allow not only for the price of the vehicle, but also things like insurance costs and servicing and maintenance plans. This can also be used in the event of an auto loan refinance deal.

FORD CREDIT – PERSONAL ACCOUNT

Setting up an account with Ford allows you to apply for credit before buying or leasing a vehicle. Allows you access to a number of on-line tools that can help you navigate the process of buying or leasing, as well as arranging finance.

Your account also acts as a portal for all you need to know when you have bought the vehicle, including info on warranties, servicing and maintenance schedules and contact info regarding account management and payment issues.

Ford Vehicles – Reviews TBA

Ford Fiesta

Ford Focus

Ford Fusion

Ford C – Max

Ford Mustang

Ford Taurus

Ford Eco-sport

Ford Escape

Ford Transit Connect Wagon

Ford Edge

Ford Flex

Ford Explorer

Ford Expedition

Ford Transit Connect

Ford F – 150

Ford Transit Passenger Wagon

Ford Super Duty

Ford C – Max hybrid SE

Ford Fusion Hybrid SE

Ford C – Max Energi SE

Ford Fusion Energi SE

Ford Transit Connect Commercial

Ford Transit CC – CA

Ford Stripped Chassis

Ford Econoline Cut Away

Ford Transit Cargo Van

Ford Super Duty Commercial

Ford Chassis Cab

Ford F – 650 – 750

Ford Lincoln Navigator 2018

How To Get Best Deals Car Loans, Even With Bad Credit

United Auto Credit  are one of the leading and most well-established nonprime or sub-prime lenders in the car market.

Based in California with a mailing address in Fort Worth Texas, but available to dealerships and customers throughout the United States.

Their website stresses that they have a number of programs specifically tailored to people who are likely to have problems repaying loans, such as the first time buyers program and welcoming people who have been bankrupted.

It is pretty clear that the intent is to reach out to people who have bad credit, and try and make themselves approachable and welcome.

Whilst this is obviously of value, it should be remembered that at the end of the day it is about money.

Any lender is looking to make money out of their client, and a warm and fuzzy approach should not be mistaken for any kind of kindness or weakness.

United Auto Credit -Phone Number

Dealer Support – 866-504-2133

Customer Service – 888-895-6134

Payoff Quote 888-895-6134

Title Questions – 888-376-7149

Employment Enquiries – 800-694-1800

Customer Service – 1-888-895-6134

There is also a live chat facility on their website

United Auto Credit – Account and Login

Customer enrolment is a key element of being able to manage your account. In order to  and roll online you will need your 17 digit account number, your Social Security number and your date of birth. You will need to set up a username and password and email address etc.

Once the account is set up and you have logged in, you will be able to access all your financial details, such as the different type of payment options you have, moving to paperless billing if you prefer, be able to sign up for automatic payments, view past and current statements of account etc.

United Auto Credit – Payment Methods

United Auto Credit as a number of different payment options, some of which are free and some of which they charge for.

Automatic Payments – Free. This is where payments are deducted automatically from your bank account each month, and in theory this work as a simple direct debit.

Checking/Savings Account ( ACH) – Free. This seems similar to the above, but is done in combination with ACI Universal Payments

Card Payment – $5.95.  This allows for a one-off payment by credit card such as Visa or MasterCard, which would  obviously need to be done every time a payment was due.

Pay By Mail –  PO Box  660017 Dallas TX 75266.  This is the more traditional payment method for a number of people, especially those who don’t like to use online banking or payment systems.A monthly billing statement is sent out customers, with a request for payment be returned within five working days of the due date.

It does not say if there is a late payment charge and this is something that should be checked as it does quite often apply.

ACI  Automated System Phone Payment – $5,95

Customer Service Phone Payment -$7.95

Western Union Quick Collect – $12.99 – note on websites that fees may apply

Check Free Pay –  prices vary by agent

ACE Cash Express – $1,50

Moneygram $ 13.99 –  in addition other fees may apply.

Please note all prices and  information current as at June 2018

United Auto Credit – Dealer Portal

United Auto Credit have a dedicated dealer portal which they refer to as their fast lane program. It gives dealers access to all information they need, including the most basic funding document check list.

This includes items such as a copy of United Auto Credit approval or condition notice, a credit application, a simple interest retail instalment contract, a signed copy of Bill of Sale, a signed copy of title acquisition, a signed copy of an Odometer Disclosure Statement, a used-car book sheet, proof of insurance and five complete references.

United Auto Credit – Repossession

No one likes the idea of repossession,and often it is one of those subjects that no one talks about. In the world of auto credit that is a big mistake. If you fall behind with payments or cannot make them, contact United auto credit immediately and talk to them about the problem. There may be ways of resolving it without the need for repossession. Repossession not only increases your debt level, but also has an adverse effect on your credit score which if it is bad enough to use United Auto Credit in the first place will simply get worse.

United Auto Credit -Payoff

United Auto Credit by a payoff telephone number and address that you can ring or write to and get a quote as to what it would cost to pay off outstanding loan. Bear in mind that most loans are structured in such a way if you pay them off early there likely to be a heavy penalty charge.

This  penalty charge should be spelt out in the initial contract. It may be better to look at the possibility of refinancing the loan with another lender as United Auto Credit currently do not refinance.

United Auto Credit – Reviews

As with many types of businesses, you never really know how good their customer service is, or how efficient they are until you run into a real problem. One of the ways round this is to look for reviews of both the customer service and overall approach to customer care.

The problem with reviews generally is that they either tend to be written by people on half of the company, or by angry customers who have either been treated unfairly, or who are just annoyed with not getting their own way.

Either way, reviews are not ideal but if you can find some relatively unbiased source of information that should give you some insight into how the company operates. Online forums are a good place to start, as is the local Better Business Bureau.

Auto Credit Express – How To Get Best Car Loans

Auto Credit Express is a company that caters to what it terms special credit needs.

This really means it is a company that specialises in sub-prime loans for cars and trucks for people who have bad credit or a poor credit history.

They are based in Michigan and operate a distinct business model.

They invite  potential  customers to use an on-line application form, in which they say that once completed a dealer who lives near the applicant will contact them and invite them to the showroom.

It sounds a bit like an interview, but is certainly a business model where they retain control over who is able to apply for a loan and isn’t.

Perhaps the one downside to this type of model is that when invited into the dealership, the type and range of vehicles available to buy will be determined by the dealer, rather than the other way round.

It puts a loss of power into the hands of the dealership in determining which car or truck the customer is able to buy.

Auto Credit Express – Reviews – Better Business Bureau

People turn to reviews of Auto Credit Express to try and get some type of independent assessment of how trustworthy they are or not.

As mentioned above, reviews can be a tricky area to navigate in terms of independence and simply people mouthing off because they did not get what they want.

Having said that, the Better Business Bureau does carry a number of favourable reviews and comments from satisfied customers that appear genuine. This is not a guarantee of anything, but can give some level of guidance.

Quite often reviews can point up favourable or unfavourable elements of a company that you might not otherwise have.

The best source of any review some type of government or state analysis of a company, in terms of its financial health and its adherence to legal and statutory obligations.

Be on that it is going to reviews on car sites, forums and any bad credit website that seems relatively independent in order to try and find out a bit more information.

Whilst people look to reviews, the best they can do is highlight the reality of how the company operates.

Some people had good experience for them, the people not so good experiences. Some of this without a company  or its employees, others will be down to the customers.

The more you know about a company and how it operates the better able you are to make an assessment of  whether or not it had the right company for you.

Auto Credit Express Dealers

This is perhaps the biggest drawback of Auto Credit Express, that you cannot contact their dealerships directly.

It inverts the whole process of car buying, and puts much more power in the hands of the dealer. You have to apply through the auto credit  express website before a dealer will then contact you.

Whilst in practice this may suit a number of people, it does mean that a customer is much more liable to have their choice of cars extremely restricted as they will have to go through a particular dealership first, and then decide what: they want by rather than the other way round

When visiting a dealership for the first time, you will need to have a certain amount of information with you.

This will include your current pay stub or payslip, a W – 2 form, a current bill with your name and address on it, possibly two or three, any bankruptcy discharge papers that are relevant, a valid drivers license, a number of personal references, any proof of title to a car you are looking to trade in and proof of insurance.

Contact Details

Auto Credit Express , 3271 Five Points Drive, Suite 200, Auburn Hills, MI 48326

Phone : 866-902-4403

Express Credit Auto – How To Get Best Car Loans

People often get confused, unsurprisingly, between various companies that use the name Auto Credit or Auto Credit Express etc.

Express Credit Auto is an independent dealership based in Oklahoma, which does not seem to specialise particularly in bad credit, although it does say on its website that it can cater to anyone with any type of credit.

It is a fairly standard dealership offering a wide range of models and service, including financial and credit applications.

It has five locations in Oklahoma, two in Oklahoma City.

If you know which particular model you want, it is a good idea to check with them beforehand whether they have the particular type of car you want at any of the locations not simply the one that you contact.

North Oklahoma

4810 N.W. 39th Street
Oklahoma City, OK 73122
Phone. 405.792.2280

South Oklahoma

1 W. I-240 Service Road
Oklahoma City, OK 73139
Phone. 405.632.0090

Norman

343 N. Interstate Dr.
Norman, OK 73069
Phone: 405.801.4060

Midwest City

9014 S.E. 29th
Midwest City, OK 73150
Phone. 405.455.7773

Tulsa

4215 S. Memorial Drive
Tulsa, OK 74145
Phone. 918.591.2700

Premier Auto Credit – How To Get Best Car Loans

Premier Auto Credit is a fairly major player in the bad credit/sub-prime lending market, although it appears from the website that their lending and dealership network is confined to California.

There is a lots of detail on their website about how caring and thoughtful towards customers, and a number of testimonials supporting that.

Helpful though that may be, it should be remembered that the sub-prime auto market can be a fairly cutthroat business, and whilst it is  in their interest to attract customers, their objective is to make money out of them.

Nothing wrong with that, but potential customers or anyone with bad credit is essentially quite vulnerable.

Contact Details

6502 Van Nuys, Blvd.
Van Nuys, CA 91401
(818) 881-1234

Other Contact Numbers include

Customer Service
(818) 881-1234

Payoffs
 (818) 881-1234

Insurance Claims & Impounds
 (818) 881-1234

Titles
 (818) 881-1234

How To Get Best Loan Deals – Poor / Bad Credit

American Credit Acceptance is a fairly major financial institution in terms of its auto credit operations, that  specialises in sub-prime lending, and offers a number and range of programmes to both customers and auto dealerships.

From a customer’s point of view, the company has partnerships with approximately 3500 dealers across the USA. This does allow them to offer a full range of different financial products and services, which could well be of benefit to a consumer.

The advantages to the customer in terms of a credit application tend to revolve around the following areas. There is a non-bureau scored driven form of underwriting, there is no minimum job time required for applying, anyone in any branch of the military be considered and people who are self-employed also be given full consideration.

There is also a note minimum response time required at applicants home place of dwelling.

With regards to the vehicle, there are no age restrictions in terms of the year of the model, and in terms of milage, to 150,000 miles will be considered in terms of the vehicles usage.

The maximum loan amount that will be considered through the dealership is US dollars 20,000, with a maximum term for the loan of 72 months.

1.Phone Number / Address

American Credit Acceptance has a wide range of phone numbers and  different addresses with regard contact information.

Corporate Address
American Credit Acceptance
961 E. Main St.
Spartanburg, SC 29302
866-441-0251

Payment Address
American Credit Acceptance LLC
PO Box 204531
Dallas, TX 75320-4531

*Closing Packets sent via FedEx*
American Credit Acceptance
4054 Willow Lake Blvd
Suite 2096
Memphis, TN 38153

*Closing Packets sent via UPS or USPS*
American Credit Acceptance
3268 Progress Way
Suite 2096
Wilmington, OH 45177-7700

Loss Payee Address
PO BOX 4537
Carmel, IN 46082

Customer Service/Collections
866-544-3430

Dealer Enrollment
Fax: 866-740-0567

Funding
866-202-6916

Impound Notifications
877-204-6757

Rebates
Extended Service Contracts & GAP Cancellations
855-292-6429

Sales
866-202-6912

Service Members Relief Act (SCRA)
855-292-6426

Titles
877-811-1620

Total & Partial Loss Insurance Claims
855-292-6430

Underwriting
866-202-6914
Fax: 866-740-0569

2.Reviews

Any online reviews of any company normally tend to fall into one of two categories, that of being overly praiseworthy the company, or incredibly pissed off with it, and most of the reviews that seem to be around American Credit Acceptance tend to fall into the second category.

There are a number of reputable review sites such as Credit Karma, Better Business Bureau, indeed.com etc where the majority of reviews either relate to specific instances of poor customer service,  or gripes about interest rates and repossessions etc.

It should be remembered that this type of industry will inevitably be more cutthroat than mainstream auto dealerships, even though they can be numerous similarities between the two. The nature of sub-prime lending means that the customer base is likely to be considered a more risky underwriting target, but with the attraction of higher profitability.

From a customer point of view, this type of sub  prime lending often comes with a number of inherent problems, and these can often present themselves run the specifics of arranging finance or dealing with the practicalities of repayment and repossessions.

Finding independent valid reviews can be a real challenge. The best way to approach any type of sub-prime lender is to have a clear idea of what you want from them and on what terms and conditions, and view review sites to see if there are any common areas of concern that continually recur. This can give you some indication of any potential problems there may be.

3.Careers / Salaries / Interview Questions

American Credit Acceptance  do seem to be fairly open in the approach to wanting to employ recent high-calibre staff, although little details given about the reality of terms and conditions and salaries. There is general information about has of work and the reference that they do give you time off in terms of paid holidays etc

There is no real leading in terms of what these jobs will entail. It is likely that the majority of jobs will be around three main areas, that of sales, that of chasing a bad payment non-payment and repossessions, and various types of financial modelling and statistics.

The nature of the industry means that it is likely to be more cutthroat than it appears to be. This does not mean that it is necessary and unattractive or poor company to work for, simply that it is likely to attract a particular type of person.

Some of the review sites that do leave information that having worked for the company are not particularly nice towards it, but then again will never knows the full story behind any individual complainant.

4.American Credit Acceptance Payment Methods

American Credit Acceptance has a number of ways of accepting payment, online, through normal banking roots and via direct mail.

Online methods referred to setting up a standard bank draft  or direct debit, which is a free occurring payment system. It is possible to also arrange one-time payment details online.

Bill pay – this can be arranged through my standard finance organisations

Pay by phone through IVR 1-866-544-3430

Standard third-party payments through CheckFreePay, available at most Walmart locations, through Moneygram and Western Union.

By direct mail to address listed above.

Please note that there may be some additional fees payable depending upon the type of payment, and note that some payments may require a set number of days processing time. Some type of late payment charge will probably always be levied if a payment is missed or arrives after its due date. Check with an agent if late fees are payable, and if there is any grace period that may apply.

5.Payoff Details

Customers normally want payoff details for two reasons. Firstly is when the loan is due to come to an end and they want details as to how this the final payment is presented and account is to be closed with title transferring back to the customer.

Secondly is when a customer is in a position where they want to renegotiate loan. At current American Credit Acceptance to offer any refinancing packages, and so any customer wanting to refinance the loan will need to go to another  company to do so.

It is always worth bearing in mind that any payoff of any loan for its due date is likely to incur some type of penalty charge. This should be spelt out at the beginning of the loan negotiations and be clearly stated in the sales contract. This should always be confirmed for any firm notice to pay off the loan or transfer to another lender is agreed.

6.Customer Service

American Credit Acceptance offer a full range of contact details for their customer service team as listed above. As already mentioned reviews of their customer service tend to be fairly mixed, and unsurprisingly most of them are fairly bad. This does not mean that their customer service is bad, merely that people who feel they have been treated unfairly whatever reason always tend to be the ones who give voice to it.

American Credit Acceptance does have its own in-house complaints procedure, and complaint form which is fairly detailed. Again, this could be a good sign for many a good form of PR.

When buying a car through this company or any other in effect, it is a good idea to get a full range of contact details, both with the company and the dealership, and be fully aware of all local and state laws regarding consumer protection in terms of the initial sale, any cooling off period and consumer rights during the term and pay off the loan.

7.Repossession

No one likes the idea of repossession, and as such it is quite often avoided in an industry when fact it is a real-time occupational hazard. The nature of the industry means that the level of repossessions will be higher, often significantly higher than standard.

What companies like American Credit Acceptance  really don’t like is when a customer misses a payment and then go silent. This leaves them in a sense of limbo is what is happening and inevitably they fear the worst and may invoke fairly drastic measures.

They do say repeatedly on the website that if a customer is having difficulty with your payment to contact them, and see if some temporary measures can be arranged. Realistically this is likely to be something they are able to do.

It is informally preferable from their point of view to give an individual customer a visibly way now and then in order to maintain payments on the loan, rather than have customers missed payments go quiet and  having to start repossession.

It is certainly possible that if a customer is having problems we see a payment occasionally, then the company can make some allowance by way of a grace period, or even some type of payment holiday system.

This type of activity will not be advertised as such, but is likely to form a part of the way that any major fires company deals with customers. Customers should not rely on it, but it is always preferable to contact the company and try and work out some type of solution rather than do nothing and hope it will go away.

Glass Door

Glass door has established itself  reasonably quickly  as being one of the gay to sites online regarding genuine feedback about a company.

Similar to customer reviews, it is often difficult to get genuine feedback for a number of reasons. One is the fear of individuals or websites being sued for defamation, the other is the issue of fake reviews which websites already fairly helpless to do anything about.

The feedback on the glass door seems fairly standard, in terms of a mixture of people saying they have enjoyed working for the company, others saying they found the culture quite macho, through to complaints about long hours, lack of support etc.

As with other types of review site, and its little genuine feedback regarding salaries or financial compensation that is of real benefit to potential employees.. That seems to be a reluctance amongst companies generally to really advertise how much they pay staff, or what other benefits they give them by way of health insurance, vacation etc.

 

 

Carvana – How To Get Best Car Loan Deals

Whatever people may think about Carvana,  one thing is pretty certain, that it has a unique approach to selling cars and trucks.

It is probably the first and only true online sales portal, which has a number of advantages & disadvantages as well.

The main advantage from a consumer point of view is that the they do not have to deal with salesmen, and because Carvana do not negotiate on price, there is little of the hassle and stress that goes with trying to make sure the customer gets the best price.

The buying process, and the finance arrangements behind it, are fairly clear and open. If people like that sort of approach and they can go down the road of buying a car from Carvana,, and if not they can approach a more traditional dealership.

Carvana base their whole system online. A potential customer can view a car, check its price, and decide whether or not they want to buy it. If they do, they can go ahead and neither arrange the finance with Carvana all with a third-party finance arrangement such as a bank or a credit union.

1.Reviews

One of the refreshing things about Carvana is that it is relatively easy to find a load of reviews  about it. It’s own blog and website carries extensive customer feedback, some of it highly critical. In fairness to Carvana they  cars and trucksicism head-on, either agreeing with it works and is far more challenging it if they dispute some of the information or facts detailed in the .comment.

Because they are a purely online operation, a lot of their marketing and consideration is is geared towards people processing the vast majority of the application and buying process online, and it seems they are much more open to the reality of reviews mean.

In addition, there are a number of reviews on important websites such as highya.com,  yelp, Nerdwallet, reddit etc as well as the Better business Bureau.

2.Locations Atlanta/Houston/Phoenix/Tampa

Because there are no dealerships, picking the carp or heavy delivered is a critical element of coroners model of auto credit and sales. In addition to their vending machines, customers can either collect their cars or have them delivered. It also depends hugely on where the individual lives and where they are willing to go to fly to in order to collect the vehicle.

Carvana have quite an intense system but they have a number of local markets, and a system where they are willing to pay a certain amount of consultation costs involved in individual going to pick up the vehicle if they would rather do that and have it delivered. Its current list of local markets is detailed below, but the  company is keen to stress that it is an ever-growing list.

 

  • Alberquerque
  • Allentown (Pa.)
  • Atlanta
  • Austin
  • Augusta (Ga.)
  • Bakersfield
  • Baltimore
  • Birmingham
  • Boston
  • Bridgeport (Conn.)
  • Charleston (S.C.)
  • Charlotte
  • Chattanooga
  • Chicago
  • Cincinnati
  • Cleveland
  • Columbia (S.C.)
  • Columbus
  • Corpus Christi
  • Dallas
  • Denver
  • Detroit
  • Fort Myers/Naples
  • Greensboro (N.C.)
  • Greenville (S.C.)
  • Hampton Roads (Virginia Beach area)
  • Hartford (Conn.)
  • Houston
  • Huntsville (Ala.)
  • Indianapolis
  • Jacksonville
  • Kansas City
  • Knoxville
  • Las Vegas
  • Lexington (Ky.)
  • Los Angeles
  • Louisville
  • Macon (Ga.)
  • Manchester (N.H.)
  • Memphis
  • Miami
  • Montgomery (Ala.)
  • Nashville
  • Newark
  • New Haven (Conn.)
  • Oklahoma City
  • Orlando
  • Philadelphia
  • Phoenix
  • Pittsburgh
  • Providence
  • Raleigh
  • Richmond
  • San Antonio
  • San Diego
  • San Jose
  • Springfield (Mass.)
  • St. Louis
  • Tampa
  • Tucson
  • Washington, D.C.
  • Winston-Salem
  • Worcester (Mass.)

3.Stock

Carvana have a huge range of cars and trucks, but do not use traditional dealerships, and such to carry inventory in the way that a dealer will. What this means in effect Is that the information required to assess the car is viewed online, along with real-time pictures of the interior and exterior of the vehicle as opposed to stock pictures.

In addition, every car comes with access to a review of that particular model by Edmunds, and other information is available such as its recommended price compared to Kelly’s or bluebook. When a customer ultimately chooses a car and begins the payment process, and the car will either be delivered to them or delivered to a vending machine where they can collect it from.

4.How does Carvana Work?

Carvana works on a very simple principle. People can view cars online, make a decision about whether or not to purchase them, at a price that is nonnegotiable. Finance can be arranged either with Carvana or some other finance house. Once agreed, there are certain formalities have to be gone through in terms of paperwork, insurance, ownership of title, trade in of vehicle etc.

Once these formalities have been agreed, then the sale can go through.

5.Cars / Used Cars

There are a huge range of cars and trucks available on the Carvana website, all of which will be used for second-hand. This obviously is a potential issue some people.

Carvana try and get round this by stating that no car listed has ever been involved in an accident, and they carry out a fairly detailed inspection of the vehicle, with something like 150 specific points detailed to make sure it is in reasonable condition.

Any defects or damage to flag up on website, and the price adjusted accordingly. In addition, there is a Carfax report issued on every car or truck sold through the website.

6.Warranty / Delivery Fee

This is perhaps where Carvana does come into its own in many ways. Every car comes with a seven day refund  and money back policy, with no questions asked. There are certain limitations raking things like if the car is involved in an accident etc that make this warranty invalid.

This means that everyone has effectively seven days and the limit of something like 400 miles to check that the car or vehicle is right for them. If not they can return it and no money will be taken from their account now free to either move on buy another vehicle.

In addition, every car comes with an extended warranty that is valid for approximately  100 days or just over 4000 miles. This warranty is underwritten by a company called SilverRock. Carvana described this as a fairly comprehensive warranty, and is designed, most mechanical and powertrain elements of a car. In addition, you can buy an even more extended warranty called Carvana care which includes most of the same mechanical and powertrain elements as the original warranty policy for a longer period of time.

7.Complaints

On the better business bureau website as of June 2018, there are approximately 6 complaints about Carvana. This may or may not be a good sign. Most of the complaints refer to poor customer service by way of misinformation, not returning phone calls, changed delivery dates etc.

Whilst all of these complaints may be perfectly valid, one of the most disappointing things is the response that  Carvana has posted. The essence of their reply is that customer satisfaction and customer pleasure is central to the whole business philosophy of the company blah blah blah.

When anyone makes a valid complaint about any company, the individual complainant and anyone reading their complaint  is likely to be immediately put off by this PR driven approach to how to handle a complaint.

People appreciate honesty and integrity. If an individual or a company makes a mistake get things wrong, they are normally advised simply to put their hands up and admit fault and try and rectify it and move on.

katana would do well to have their own in-house complaints procedure, along with some type of external disputes process. This would reassure potential customers that if and when things do go wrong that some mechanism to rectify them in a straightforward and reasonable manner.

Carvana Vending Machines

The idea of buying a car through a vending machine may seem slightly weird, but hey, here in America why not ?

No doubt that the idea of using a vending machine is somewhat of a marketing ploy as well as a way of collecting and delivering sold vehicles, but also no doubt that it works. Looking at photographs of the vending machines that Carvana use, they are pretty impressive.

The idea of a vending machine is that it is a way of the individual collecting their car. They effectively insert a token into a machine, and 20 to 30 minutes later the car is delivered to them.

Obviously a lot of work, both physical and paper, has been put into the process before this actually happens, but this process should also appeal to the mentality that enjoys buying from vending machines, which is pretty much most of us.

There is something very satisfactory about putting a coin into a slot, and getting something back in return. This is the principle behind slot machines, and may well end up being the future of how most cars are sold as well.

Roadloans – How To Get Best Car Loan Deals

Roadloans are one of the major online companies who have quickly established themselves as being fairly trustworthy.

Also consumer friendly to people who have a record of bad or poor credit, both in terms of auto loans and refinancing car loans as well.

Like a lot of auto credit companies, they are overly welcoming towards people who are deemed to have bad credit, and make a point of welcoming them and assuring them of a friendly and receptive attitude.

This approach which is both a marketing tool, and possibly a genuine  way to appeal to people, any potential customer should be under no illusion that like any finance company Roadloans are interested in making money out of their clients, not in any fuzzy sympathy or kindness.

Whilst  that may sound  when applying for a loan cynical, it is also worth bearing in mind that any decent auto credit company will value customers who they can attract and keep. Anyone with bad credit is likely to be a valuable source of income for them, short-term and long-term, and it is in the company’s interests to treat them as fairly as possible.

1.Applications / Bad Credit

Roadloans do focus  on a number of areas of auto credit, namely new and used car loans, by a car with bad credit,  getting a car loan with no credit, car loans after bankruptcy and auto refinancing.

They spell out very clearly that anyone with bad credit is likely to face higher interest charges, and discusses ways that the overall package can be minimised through things like making a sizeable down payment, or encouraging a cosigner with a healthy credit record to participate in the loan agreement.

They also make a distinction between someone with bad credit and someone with no credit history. Many people do not have any credit history either because of their age, or because of their lifestyle which has meant they have had no need to borrow money for a significant period of time.

People with no credit history can be encouraged to build up a healthy credit score in fairly simple steps over a period of time, which can significantly reduce costs but short-term and long-term.

The various options regarding bankruptcy are discussed, as well as its potential effect on someone’s credit history as well as their life and personal situation generally. Bankruptcy can be one of the most major emotional traumas in life, and needs to be managed  as sensitively as possible.

2.Roadloans Reviews / BBB

One of the problems when using any type of  online finance website  is credibility, and one of the main ways of helping towards establishing that are genuine customer reviews. These are very difficult to assess for any company.

People like reviews. They instinctively trust them unless they are obviously over the top. The problem is that genuine reviews can be hard to gauge as to whether they have come from satisfied customers or are effectively written by the company through its agents or PR company.

Bad reviews are much more likely to be genuine, as it is an option people to vent their frustration at what they perceive as bad customer service or poor quality work or advice.

As such getting genuine reviews as a guide towards a company’s credibility can be difficult.

Roadloan reviews on trust pilot tend to run to over 1000, which is probably a good sign, with over 70% rated as excellent and only 6% graded as bad. Potential customers will have to draw their own conclusions.

What can always be gauged from reviews points at the individual had not thought of in terms of potential areas either to do with applying for a loan or managing a loan once has been arranged. These points can highlight areas of concern or guidance needed that can often be significantly beneficial.

Another good source of reviews is the Better Business Bureau, as well as organisations such as Consumer Reports. Bear in mind when applying for a loan what is important to you in terms of size of down payment, interest rates and how to manage the loan once it is finished, including any penalty for paying off the loan early.

3.Dealerships

Roadloans has access to a wide range of dealerships across the US, and applying online and getting approved online before purchase means that the customer has benefits of pre-approval, in the same way as if they were arranging dealership financing with one of the major companies such as Ford or GM.

The advantage of  pre-approval is at the customer knows how much they have to spend and view vehicles priced accordingly. The downside of pre-approval is at the giver ship knows how much the customer has to spend as well, and can price vehicles accordingly or negotiate knowing the customers upside and downside.

A dealership can be located through the readloans.com website, and once located it is a good idea to view the dealers inventory and see what sort of vehicles they have and which ones seem appealing to the individual customer. The more negotiations that can be done over the phone or online before visiting the dealership is always a good idea, as it gives the customer a much greater sense of control over the whole process.

4.Login / Account

Potential customers are invited to apply online for a loan, and in the process generates an account for themselves. If approved this account can be used to manage the loan, in terms of viewing and receiving statements, managing payments and being able to contact customer service.

It is worth bearing in mind that RoadLoans offer six types of payment options, online payments, AutoPay, payment by phone, mail, MoneyGram and Western Union. With most of these payments some type of fee may also be charged, irritatingly referred to as a convenience fee.

Arranging a simple and convenient way to pay monthly instalments is really important, both for peace of mind and because late payments can incur additional interest charges, and late payment charges as well. These can accumulates quite quickly and can increase  the pressure on the loan  quite considerably.

5.Refinance

Many auto credit companies shy away from the issue of refinancing loans, but the option to refinance is a crucial one to many people who have a bad credit or poor credit history. They may need to  refinance an original loan because their credit has deteriorated, or something as happened to their financial situation that necessitates a change.

They may will need to lower their monthly payments, or extend the term period of the loan. This can normally only be done through refinancing.

On the other hand, someone who has applied for a loan with bad credit and has done work to repair their credit account may well look at some point to refinance that original loan because they will be able to get a better interest rate, or better terms and conditions.

They may also wish to renegotiate or refinance loan in order to release a cosigner who may have been an original dual applicant.

Refinancing a loan can be a fairly straightforward process in one sense, in that it should be done not in the same way as an application for an original loan

6.Roadloans Loan Calculators

Loan calculators are encouraged by both lenders and customers, as it seemed to give a very simplistic sense of what a loan is going to cost you. Whilst the figures arrived at using a loan calculator can be accurate, they do not always tell the whole story.

The loan calculator on the roadloans website has a number of different options. It has a car affordable and calculator, and auto loan payoff calculator, an auto loan calculator, and auto refinance calculator and a fuel savings calculator.

Whilst all of these can be helpful, what they do not show charges such as auto insurance, gap insurance,  servicing and maintenance costs, dealership fees, late payment charges etc. Any applicant should also be able to do their own budgeting plans in terms of their own individual finances to see how much they can afford to repay on a monthly basis.

This should make allowances for changes in the individual circumstances by way of salary increase or decrease, increased or reduced hours at work or other costs such as tuition fees or increased medical bills.

Whilst no one likes to look at these things, undertaking any loan especially for someone who has a bad credit history, they are an incredibly important part of a realistic assessment as to whether or not someone should be lent money, and if so what terms and conditions.

7.Contact Details

Roadloans is owned by Santander, and mail should be sent to the following address

Santander Consumer USA Inc P.O. Box 961245 Fort Worth, TX 76161 Attn: SC USA

Applications – 888-276-7202

Customer Service – 888-222-4227

 

 

 

Can you Buy a New Ford on Credit

Buying a new Ford on credit is certainly possible, but many people there will see the prospect of buying a new car as one that immediately loses them a certain amount of money, purely in terms of depreciation on the vehicle.

It is commonly estimated that if you buy a new car of any make, with or without credit, that as soon as you drive it out of the showroom you lose some are between 10 and 15% of its value.

On the other hand, there are many people who simply love the idea of the look and feel of a brand-new Ford, and feel the loss of depreciation is to an extent academic as they will keep it for a reasonable period of time, and then simply sell it on or trade it in for another model.

For anyone who seriously wants a brand-new Ford car or truck, they would do well to consider the option of leasing one. Although when you least a vehicle you do not actually own it, the title stays with Ford, you do in effect get to have use of it for a fairly long term basis at a cost that should be considerably less than if you bought it outright.

Buy a New Ford on Credit

Buying or leasing a new Ford with Ford credit is to an extent fairly similar in terms of the application process. When buying or leasing, it is worth doing as much research as possible before you enter a physical showroom, either online or by telephone.

A lot of Ford dealerships have dedicated Internet teams, who are there to help you through this process.

The ability to research what a new Ford should actually cost you, both in terms of the final sale price of the vehicle, and what you may accurately expect to pay in terms of finance or credit, does mean a fair degree of time and effort being spent. The advantage is that you can enter any type of negotiation regarding the price or finance with a Ford dealer before you actually physically set foot in the showroom.

This gives you as a potential customer a huge amount of power that you would not have if you simply had to walk into a showroom and negotiate without any prior knowledge.

Buying a new car or a new Ford car or truck on credit is absolutely doable, assuming the individual has a sufficiently good credit score to warrant the loan being agreed. The issue tends to come down to one about depreciation, and whether or not the individual they may be better off buying a slightly used car, although that of course can come with problems of its own Penybont its age and condition.

Can You Dispute A Credit Report

People often talk about disputing a credit report, but in fact it is in everyone’s interests including the credit rating bureau that the credit report is completely and 100 cent accurate, as it is used as the basis for producing a credit score which ultimately determines individuals ability to loan money from Ford credit or any other financial lender.

A credit report is effectively a dossier made up of information taken from the potential customers application form, and a wealth of other personal and financial and credit information, with current and historical.

Normally an individual is allowed to see a copy of their credit report from the three major credit bureaus for free once a year. This is really important as it allows them to check the information contained in the report, and make sure it is accurate and up-to-date.

There is certain information that although accurate can normally only be used for a certain length of time. Types of information that this relates to can include things such as bankruptcy. This means that after a certain number of years a credit bureau can no longer include these items as a basis for determining your credit score.

Can You Dispute A Credit Report

If you discover information in your credit report that you believe is inaccurate or up-to-date this is really important that you get back to the credit rating agency or bureau and tell them. It is in their interest that the information in the credit report is accurate and current, and if what you are saying to them is evidently provable than they should be open and willing to change it.

The problem in terms of disputing a credit report often comes when the customer disagrees with the value of the credit score that has been determined by the credit report, rather than information contained in the credit report itself.

This is a much trickier area, as the allocation of a credit score is a judgement by a credit rating agency, normally done by mathematical algorithms largely, which they believe reflects the accuracy of information they have about you.

Trying to get them to change their mind can be tricky, but if there are exceptional circumstances or reasons why certain areas of your credit report may look worse and they actually are then it is certainly well worth contacting them and telling them.

At the end of the day, a credit bureau is there to provide an accurate assessment of what they believe your credit worthiness is.

They should be open to including any information about you that is relevant, but there will also be wary of using a focus on their own internal workings and experience to help them determine what they believe to be an accurate credit score for you or anyone applying with you for credit or a loan.

How to Improve a Credit Score

People wanting to improve on looking to improve a credit score are almost invariably people who have some high level of awareness about what a credit report is, what constitutes it and how a credit score is ultimately determined. This information may have been gathered through a to experience, or simply through sense of necessity.

Improving a credit score can certainly be done by most people, although it takes time and is not an overnight fix.

Anyone wanting to improve a credit score should realise that the long-term nature of this means that they may have to make other choices or decisions about their current situation, if their credit score is having an adverse effect on their ability to apply for an auto loan with Ford credit, or for any other line of credit or loan application

Improve a Credit Score

Realising the need to improve a great score means an understanding of what one’s current situation is regarding a credit  application.

If a poor or bad credit score is resulting in either refusal of loan  applications, or terms and conditions be imposed that are inherently harsh or difficult to process, then it may be necessary for the individual to completely rethink what they are able to achieve short-term.

A credit score is ultimately a reflection of a huge amount of information about the individual, that reflects both their current and previous personal history, their current and previous credit history and a wide range of other publicly available information about them.

All of this information contributes to a dossier known as a credit report. The information in this report is then used by way of mathematical algorithms to assess what the credit bureau believes is the creditworthiness of the individual.

Improving a credit score effectively depends on understanding what it is that is acting against the individual in terms of the current credit history. This could be a number of areas about their personal life and employment or income, or about their current credit situation, or even their credit history.

Identifying whatever the problem is, as an example excessive use of payday loans, means that once individual has stopped this and taken steps to correct the information about it in their credit report it can begin to have an impact on improving their credit score, although this may take time to fall through into better quotations for financial offers and loan applications.

 

How Do You Fix A Poor Credit Score

Anyone with a poor credit score will at some point want to do what they can to improve it, as it has a significant impact on that ability to borrow any type of auto loan with Ford credit or any other lender, And this can be done both on a short term and a long-term basis.

People have poor credit scores for a number of reasons, and often the term poor credit gets lumped in with bad credit and no credit at all. They are in fact completely different scenarios. Someone may have poor credit or bad credit because they have had debt problems in the past, or because they have had problems borrowing money and not built to repay it.

Someone with no credit may simply have not had an opportunity to try and borrowed money before, either because of age or because they have never had a need to. One of the options may well prove viable someone with no credit history is to use a cosigner.

How Do You Fix A Poor Credit Score

A cosigner is normally someone who agrees to cover the repayments on an auto loan in the event that the applicant is unable to meet them. The advantage of this obviously is it that can give someone with no credit history the opportunity to borrow.

Needless to say it is quite a risk for the cosigner, and is normally restricted although it doesn’t have to be, to family members or close relatives.

Fixing a bad or poor credit score has two particular  areas.

Firstly is to check that the actual current credit report is accurate and up-to-date in terms of the information it has. Any errors in this can result in a mistaken credit score which can be costly in terms of arranging finance.

Secondly is to take measures to actively improve one’s credit history. This can be done in a number of ways by either pay off credit cards, or generally taking a number of steps to improve  people’s lines of credit.

This is much more of a long-term process, but one started and under way can have an immediate impact in terms of benefiting an individual’s credit report and ultimately a credit score as well.

Can you lease a Ford Escape Hybrid

The short answer is yes, but obviously leasing a Ford escape hybrid comes with a number of issues that need to be understood and looked at in a bit more detail.

Ford, along with other manufacturers actively promote the process of leasing their vehicles, and hybrids are rapidly becoming an important part of this market. Ford recognise the value both short-term and long-term of encouraging customers to buy or lease a hybrid, and the Ford escape is proving to be a popular model in this regard.

The leasing process as it applies to a Ford escape hybrid is pretty much the same as it does to all the other vehicles. There are a number of important factors to be considered if you have not least a vehicle before.

One of them is simply about the length of the lease period. When releasing a vehicle the customer does not  own title to it, they merely have to use of it for the specified period of the lease. A lease can run for any period, but normally ranges from 24 to 60 months.

Lease a Ford Escape Hybrid

A lot of the workings out of the costings of the lease tend to relate to the depreciation in value of the car during the term of the lease period.

This needs to be borne in mind when negotiating all aspects of the lease, as whilst a long lease may result in lower monthly payments, the length of the lease means that you pay more in total depreciation costs over the period of the lease than you would do otherwise.

It is also worth bearing in mind the options that are likely to exist at the end of the lease.

The normal options relate to the customer being offered the opportunity to buy the vehicle at a discounted rate, the customer being offered another lease on another vehicle, or the customer simply walking away and doing something else.

There are likely to be lease end costs at the end of the lease period, which essentially are charges that relate to the wear and tear of the vehicle, and any excess mileage that may have been insured during the period of the lease agreement.

What does a Ford Car Payment include

When making a payment of any type of finance on a  Ford car or truck, there can be a number of discrepancies as to what is actually included with such a payment. The whole area of auto finance and credit covers both the sale and leasing of cars and trucks.

Ford credit is a type of dealership financing that caters to both these markets. When you arrange either to buy or lease a vehicle from Ford a number of different options can be included in terms of what makes up the loan agreement or the lease agreement.

When buying a car, the final sale price should clearly specify how it is made up. There are a wide range of extras that can be included or not, and depending upon how the dealership acts, the customer can either be left with a number of areas that they need to pay for themselves, or alternatively which are included in the original auto loan deal.

What does a Ford Car Payment include

These areas normally include items such as various servicing and maintenance plans, various vehicle protection plans and programmes such as vehicle service contracts, servicing and maintenance contracts, extended warranties and different types of roadside assistance programs.

There is also the whole question of auto insurance and GAP insurance. Whilst these are not normally included in the auto loan agreement, it is possible that the payment for GAAP insurance may be, and this should certainly be clarified.

When leasing a Ford car or truck there is a monthly repayment cost, that is not a repayment figure such because Ford retain title to the vehicle. It can be thought of more as a monthly rental charge, but same principle applies as to what it does and does not include.

All the above areas can come into play as well with a leasing program, and it is down to the customer to negotiate with the Ford dealership what is and is what is not included. Typically, there is likely to be some scope for negotiation on servicing and maintenance plans, and obviously a lease on a new vehicle will come with a manufacturer’s warranty should be included within the price of the vehicle.