Figuring Out If You Need a New Car
Deciding on how and when to purchase a car—whether new or used—is a big decision, and likely one of the larger financial expenditures you’ll make in any given year. Each person (or family) has different needs, budgets, wants, and credit scores that will inevitably impact what sort of vehicle they end up purchasing. But before the conversation of buying even starts, you need to consider why you’re even considering this big financial responsibility.
Rejected for a Credit Card? You're Not Alone
Applying for a new credit card is typically a pretty straight-forward process. In many cases, you’ll receive a hard copy invitation (normally based on market research and other financial data) to apply for a bank’s credit card. The perks and interest rates are always different, but the process is usually the same (unless you have one of those super fancy American Express Black cards—aka, the “Centurion Card”, which is actually anodized titanium, unlike the plastic that we commoners carry around in our wallets)—you’re invited to apply by way of providing key information about your current income, social security info, and miscellaneous details. In a lot of cases, you can apply in under 5 minutes. From there, the credit company’s bank will run a series of checks on your credits to determine if you’re qualified for their card.
We’ve all been there before; the credit card bill comes in the mail, we file it away somewhere in our house, and then promptly forget about it. The payment due date comes and goes, and suddenly we have a late payment mark on our credit. Maybe we can sweet talk the credit card company into not letting our forgetfulness effect our credit score, but many other credit circumstances aren’t as easily solved.
Shopping for a Used Car When You Have Bad Credit
Assuming you don't have a home office or live within walking distance to your place of employment, few things in life can feel as defeating as wondering how you're going to get to work. And, living in a four-season state like Wisconsin, where weather can often be unpredictable, often complicates things even further. Not having reliable transportation can mean the difference between getting the job (or getting the kids to school, or being able to access medical attention) and...not.
Savvy Budgeting Tips From The Budgetnista
We're a big fan of the blogger / writer / public speaker The Budgetnista. If you're looking for ways to jumpstart your family or personal budgeting, and haven't already given her a gander, we highly encourage you to check her out.
Bad Credit Rating? You Can Still Get a Car
Because we're a Buy Here Pay Here dealer, we get asked this question a lot. And, because there's a lot of bad information about what life decisions effect your credit, it's easy to see how understanding your credit and how it impacts future buying options can become extremely frustrating.
While we're known for financing Wisconsin drivers with bad credit car loans, we're equally interested in offering our customers quality used cars at prices they can afford, and at payments they can make.
At Easton Motors, we're committed to helping people get back on the track to financial stability and well-being, which is why we work with our guests for as long as it takes in order to make sure they can afford a vehicle, and take advantage of our finance program.
Okay, so maybe the title is a bit dramatic, but we take car finances pretty seriously around here, and make it our job to learn and evaluate trends in the automotive industry. So, while we know plenty of folks who have had great success buying a car from a franchise car dealership, we've seen enough of the hard numbers to know that that's not always the best route for a lot of people--and can ultimately cause great financial disasters and financial stress.