How to finance a used car loan

Should you want to purchase a used car and wish to have it financed, but do not know where or how to go about it, then this info is for you.  Where do you find financing for a used car loan?  In most cases getting any used vehicles financed will involve paying higher interest rates than any new car loan.  Also having any used car financed could involve a higher rate down payment, but that also varies depending upon your credit score.

First here’s a video differentiating between a loan and a lease just as a refresher;

When you are ready to get a used (previously owned) car financed from a dealership then first you will want to choose a certified pre-owned auto that will be on site and available from the dealers car lot.  Then begin with some negotiating for the price and purchase of this used automobile long before ever getting yourself involved with any arrangements for the financing.  Check prices on line so you have all of your negotiating tools ready when it comes down to sitting with the salesman.

You can get yourself plenty of used car quotes, right over the internet, before you ever start making any deals towards the purchase of a used car.  When you are online be sure to check the terms of the used car loan and also the rate of the interest at one of the many websites that will offer you this kind of information.  Going online for financing will result in you getting some of the best rates available via direct to consumer financing and could help you get the best sales price for your used car.  Start looking around for some alternative financing for a used car loan should you be planning on purchasing a used (previously owned) car.  Many of the lenders will offer a lower interest rate for newer cars than used cars. Finally be sure to know just what your credit score is whenever you are ready to discuss any financing options.

Remember, the higher your credit score, the lower the rates.  Should you have a score above 680, you should be able to get very fair terms in regard to any financing of a used vehicle, via your online source.

If you have any more questions about financing, don’t hesitate to give me a call and I can go over your options in greater detail.

Check out the New Buick Verano

The all-new 2012 Buick Verano compact luxury sedan, the brand’s third new model
in the past two years and first in the compact luxury segment, has been revealed at the North American International Auto Show.

Verano goes on sale in the fourth quarter of 2011, the latest model in a product renaissance that began with the Enclave and continued with the LaCrosse and Regal. Like them, Verano is distinguished by luxury and technology, including 10 standard air bags, an available heated steering wheel and a next-generation radio system with OnStar-powered connectivity that enables seamless communication between the Verano and the driver’s smart phone.

According to Kelly Blue Book:

Aimed at tapping into a long-unexplored market segment, the 2012 Buick Verano marks the division’s first foray into the upscale compact arena in more than two decades. Slotting in under the new Regal in size and price, this front-drive four-door will offer an impressive combination of luxury and economy that John Schwegman, vice president of Buick marketing, contends should allow it to successfully vie with rivals like the Audi A3 and Lexus IS250 for the hearts, minds and wallets of a new generation of younger, value-oriented buyers.

Check it out at the 2011 Detroit Autoshow below.

Fort Worth, as soon as your are ready for a test drive just give us a call or swing by. This is a great addition to the Buick lineup and I know you’ll agree.

GM Gadget Alert…Calling all Geeks!

I love gadgets, I love technology. I love stuff that makes our life easier. We’re surrounded by so many plugs, outlets, cables and other stuff that either just gets in the way, lost or broken. How easy would it be for you to lay down your smart phone or other device and have it charge seemingly by itself?

GM knows.

If you’re a gadget geek, you’ve probably heard of or seen the Powermat, the home and portable device that recharges your phone wirelessly. You put a case around your phone, and when it’s placed on the mat, the battery is recharged through magnetic induction.

Now these will probably first see their way in to some GM models first just before hitting the big boys at GMC. Until then, I’ll be counting down the time until I can get rid of the car charger and freeing up my powerpoints for other, more useful items…Like this ultimate tailgating boom box!

I think I could fill Cowboy's Stadium with this bad boy!

Come and check out all of the optional gadgets that your local GMC dealer can supply in your new GMC…Geek approved.

One Reason to Drive in Texas Is Great

The traffic!

“Really, Ozzie? Did you just say the traffic?”

Yup, I sure did! Think about it, for all of the congestion we sit in, for all of the hours wasted milling in a seemingly never ending sea of cars we still don’t have it as bad as some places in the US.

So where is the worst traffic in the us located? Well according to the New York Times…they do. That’s right, New York take a look:

This Thanksgiving weekend, more than 40 million people will drive more than 50 miles from their homes, according to AAA. That’s bad news for New Yorkers, according to Navteq, a map and traffic provider, which recently released its list of most congested cities in North America. Not only did New York City top the list, it also ranked No. 1 for the worst rush-hour roads, with the northbound lanes of the Brooklyn Battery Tunnel coming in first, followed by the eastbound George Washington Bridge.

Worst Rush Hours in the United States

1. New York City
2. Washington
3. San Francisco
4. Seattle
5. Los Angeles
6. Philadelphia
7. Chicago
8. Dallas-Ft.Worth
9. Atlanta
10. Houston

Freeways with the Slowest Typical Rush Hour

1. New York City – Brooklyn Battery Tunnel (northbound)
2. New York City – George Washington Bridge (eastbound)
3. Montreal – Autoroute 15 – (eastbound)
4. Philadelphia – U.S. 202 (southbound)
5. Montreal – Route 138 (westbound)
6. New York City – George Washington Bridge (westbound)
7. Los Angeles – 1-10 (eastbound)
8. Boston – U.S. 1 (northbound)
9. Dallas – Texas State Highway Spur 366 (eastbound)
10. Toronto – Don Valley Parkway (northbound)

Hey would you look at that Dallas Fort Worth…we’re only number 8 on the list. That seems about right. Of course, sometime the amount of traffic outside of my dealership on 121 would make me think that DFW was higher on the list.

Cars Built with Crossbows, Snakes and Headbutts

Hands down, this has to be the most insane car commercial I’ve ever seen. Thanks to the good people at autoblog.net for educating me on the fact that there is definitely something strange in European water>

Skoda is busy pushing its new Fabia vRS on the unsuspecting public across the pond with a new ad for the pint-sized hatch. Far from the cuddly machines of the competition, the Fabia vRS is apparently hewn melted-down katana swords, razor wire, snake venom and burnt rubber. Even the windshield wipers are constructed from bits of a crossbow, at least in make-believe land. The spot features manly men doing manly things to build the little five-door. Sure does make you wonder what goes into putting the 2011 Sierra Denali together.

See what I mean? It’s gotta be in the water over there.

What can a Car Dealer do to feed the Hungry In DFW?

That’s actually a rhetorical question. The one great thing about running a car dealership is there are so many thing that I can do for my community because of my resources and outlets.

The North Texas Food Bank for example is 40% down in food reserves from last year. This is a considerable burden on North Texas Families this holiday season. It is certain difficult to know that so many in my area are in desperate need of food and clothing this year, so difficult that I’ve taken it upon myself to have start a friendly competition with Classic Chevrolet across the street to see who can gain the most fans and donate the most food.

For Every new fan we get I’ll donate $1 to the North Texas Food Bank. If you want too bring by cans of food to Freeman Grapevine, for every 5 cans you will get lottery ticket for a $1,000 Shopping spree. We ant to make it something everyone can be proud of and we know it takes a little effort on your part, so Freeman Grapevine is willing to throw some rewards your way too.

Think about it. All you have to do is fan our facebook page and that is a $1 donated to the NTFB. That $1 can buy 4 meals. Really! Just $1 dollar can feed an entire family! Even if you don’t live in the DFW area, your simple act of kindness can really help Americans who have been the hardest hit by our lowest economic down turn ever.

I’m not begging for fans, this isn’t a sales pitch…in fact I using my blog to out reach to my readers to help out my community that is in dire need of assistance this holiday. So while you are grocery shopping for that 28 lb turkey with all of the fixins’, remember you probably have a neighbor who is lucky to eat just a peanut butter sandwich…and I’ll tell you what, I’ll bet they are as, if not more appreciative of that meal than a person who’s plate is loaded with food they probably won’t even finish.

If you’d like to fan the page so I can donate in your name, just follow the link and like us www.facebook.com/freemangrapevine

Thank you in advance for your selflessness. This holiday season, the homeless and hungry need you help and I can help you help give. just visit our FB page and like it.

Thank you for your giving from Freeman Grapevine, The North Texas Food Bank and the hungry North Texans.

Ozzie

Asleep Behind the Wheel in DFW

This is a really simple post to write because I recently had a near miss with a drowsy driver. I could tell that it was fatigue because of his sporadic crossing into the left lane and then readjusting quickly. Remember folks, if you are sleepy or tired while driving, it is your responsibility to pull over and get rest. You are not only putting your life in danger, but also everyone you share the road with.

If you still think that you can get from point a to point b and that driving drowsy isn’t a big deal, then just take a look at the video below and maybe you will change your tune.

There is no quick fix

You may get a temporary feeling of alertness from turning up the radio or lowering the window for fresh air. Stopping for a coffee and getting some physical activity is also a common precaution, but as soon as you sit down at the wheel again the drowsiness will return.

Pull over and rest

If you experience any of the symptoms of fatigue, find a safe place to pull over and rest. Next time, get adequate sleep before you take to the road.

Weekend Poll: DFW, what’s your favorite GMC SUV model?

Before the weekend, I thought that it would be fun to take a poll on your favorite GMC Sport Utility models. There’s no doubt that GMC has a lot to offer in this category so if any of these models catch your eye, then place your vote below! I’d love to know your favorite!

If you’re interested any of these models, come see me, and I’ll take you for test-drive personally!

Children and Hot Cars are a Recipe for Disaster

WHY WOULD YOU LEAVE YOUR CHILD IN A HOT CAR???

Here in DFW, you’d think we’d be more aware of the heat, especially during the 100+ degree summers. I’m going to tell you right now, this topic is probably one of the most serious I’ve written about to date. Did you know that in the time it takes to purchase a gallon of milk or loaf of bread, a hot car could turn into a death trap for a small child. Even as summer comes to an end, experts say that within the first 10 minutes, the temperature in an enclosed vehicle will rise an average of 19 degrees. Even when the outside air temperature is only 70 degrees, the interior of a car can reach 120 degrees, and a baby cannot handle the heat.  They have a very immature respiratory system and they don’t have the ability to repel heat.

Consequently, their organs shut down fast. It’s a recipe for disaster. In fact, there is no safe length of time to leave a child alone in a car.

The hints from the video for reminding you that your child is in the back seat are good ones. I wonder when the automobile industry will address this by engineering sensors to alert you that your baby may still be in its car seat?

On a side note concerning the car seat, if you are in the DFW area, swing by and we’ll show you how to install and anchor the car seat properly. Improperly secured car seats are also a leading cause of injury among children.

Would You ever want GMC to Build this, Dallas?

I’ll have to be honest. I’ve heard about this, and I may have even see a picture or two, but below is the first video of it I’ve seen in action. Yes, I know, the video is 3 years old and I may have come to the party late here, but I want your honest opinions.

If this multi-hybrid were to go into production, do you think you’d own it? Check it out.

So Dallas…and the rest of my readers, of course…What’s your verdict? Cool concept or revenge of a previously bad idea. Let me know!