STOP!!!

If you take only one thing from this site...it's got to be my simple 11 step article, below, on how to prepare yourself for your upcoming purchase.  If you don't read it, that's fine, but the car dealerships will beat you!

The #1 Car Buying Tip of All Time

Be Prepared! "Well that's not so special," you say. You're right, it's not rocket science, but how do you prepare? I'll show you in just a second. First off I want to share with you some research I've done at the dealership I work for. I've tracked the last 75 deals that have been made here and found that prepared and educated buyer's (prepared in my opinion) paid over $3,100 less than the unprepared and uneducated buyers. 

If savings of $3,100 or more doesn't peak your interest, then I don't know what will. Keep in mind that car dealership sales people are professionals, and sell cars everyday; they are prepared and educated. On the other hand your average consumer certainly doesn't buy cars everyday and is therefore unprepared and uneducated. So a consumer walking into a car dealership unprepared to buy a car is at a huge disadvantage.

Here are some simple steps for you to prepare:

1) Start Shopping Online.
Research car prices, print invoices and find the perfect vehicle for you. Get quotes from CarsDirect or Yahoo! Autos, or Edmunds

2). Know Your Credit. 
Know your score and review your credit file. Clean up any inaccuracies and/or delinquent accounts. A high APR adds up to a lot of wasted money over the term of a loan. Go to Fico Scores/Reports to know your credit now!
 
3) Get Pre-Approved For Your Car Loan.
Car Dealers make huge profits when they arrange financing. Pre-Approval gives you the power to "Buy Like A Cash Buyer." Good credit Click Here Middle of the road credit Click Here Bad Credit/No Credit Click Here they are all Fast, Free & Easy!

4) Know Insurance Costs.
This gets a lot of people into trouble after the fact. They take on a new car payment and find out their insurance rates are also going to go up. Save money and get an Auto insurance quotes from Esurance 

5) Know A Car Dealerships Steps To The Sale.
Read my 11 Steps To A Car Sale-They Hope!

6) Know Your Trade Ins Value.
A dealership can under allow for your trade in and boost their profits. Check sites like Kelley Blue Book and NADA.

7) Know What Warranties Cost.
Marking up warranty costs is a big profit center for car dealerships. Check out the extended warranties that I offer.  They have been in business for 28 years, are backed by an A-(excellent) AM Best rated insurer (a Bank of America co.), offer a 0% payment plan and you avoid the huge dealership mark ups.  Learn more here Extended Auto Warranties.

8) Get All Promises In Writing.
Don't accept verbal promises, more often than not you'll get burned.

9) Review Your Contract Carefully.
Slow down and understand all the figures. Bring reading glasses, if you need them.

10) Compile Your Information.
Bring a copy of your loan approval, invoice printouts, trade in values, and to really chap their hides, bring a financial calculator and use it when negotiating.

11) Talk To Me Throughout The Process. 
That's what this site was made for and what makes it so unique.  I will essentially walk with you through the entire process.  I don't know where else, on the Internet, you can talk directly to someone with close to nine years experience, that's been a part of thousands of car deals, is currently in the car business and is totally on your side.  Let's chat Blog.

Read More Car Buying Tips

Want to find a new car, truck, SUV, or van in your local area?  Simply fill in your zip code, make and model of the vehicle you want and you're on your way to the guaranteed lowest prices, and you can bypass the car salesmen.

I currently work for a new and used car dealership as a Finance Director, with a heavy focus on bad credit auto loans.  I've held most every front end position in a dealership, short of owning my own.  This is the only site I know of where you can ask someone "in the car business" for information and tips for buying a new car that will help you negotiate the best deals and simplify the entire process.  You can read more about me here About Us.

I can't thank you enough!  I was on a very tight budget, raising three kids as a single mom, and needed some help.  The last thing I could afford to do was get stuck paying way too much for a car.      I think I found your site before it was really even completely put together, but I emailed you and you were very helpful.  I thank you sooooo much!  You saved me a lot of stress, time and money.      The money you saved me translated into $66 a month savings in monthly payments, and I can't begin to tell you how much that helped me and my family. Thank you and God Bless! Sandra B. Whittier, CA

I've laid out this site with the intention of providing advice on all aspects of car buying.  I've created sections of the site to cover the following:

Loans 

Below you'll find my Auto Lender Review.  In the Loan Center you'll find a more detailed review of these lenders and if you are confused as to what tier you fall into, I've created a detailed breakdown of the different credit tiers and what factors lenders use to categorize you. 

Once you find the lender, or lenders,  that offer the best loans for you, you can apply right from here.  They are all FREE to apply and all the applications take less than 2 minutes to apply.  
 
Quick note, I specialize in bad credit auto loans.  If you have been turned down by lenders in the past, don't fret! I have many years of experience helping people with bad credit, whether it's from repossession's, bankruptcy, divorce, or you just don't pay your bills.  If you have questions or concerns please ask me "Ask the Expert." 

Auto Lender Review

	Specialize in B, C and some D tiers Their sweet spot is 540 to 600 credit scores Backed by Triad Financial, very big I personally use Triad at my dealership Buy like a "cash buyer" with a next day check No Money Down availableoac* Auto Refinancing available FREE and EASY, apply here Car Loans
	Excellent for C, D and F tiers Subsidiary of CarsDirect Great for credit scores of 580 and below Huge Lender/Dealer network Get up to three, local, competing offers   No Money Down availableoac* FREE and EASY application  Apply now!  Instant Auto Financing
	Excellent for A, B and some C tiers Up to four competing offers in minutes Great for credit scores 620 and above No programs for some C, all D and F tiers   No Money Down availableoac* Auto Refinancing available Buy like a cash buyer FREE & EASY application with quick approvals Apply for an Auto Loan Now
	Excellent for C, D and F tiers Great for credit scores 580 and below Large, competitive Lender/Dealer network Very easy application, with quick response No Money Down availableoac* FREE to apply "" Bad Credit? No Problems""
	Excellent for C, D and F tiers They are the Bank and the Dealer Exceptional inventory All vehicles must pass 53 point inspection Offer DriveCar warranties for their vehicles The best Buy Here Pay Here dealer I've seen A must if you have limited down payment Locations in 10 states FREE & EASY application w/ immediate approvals Bad credit, no credit, no problem. Apply online; it takes 2 minutes.
	Not an auto lender, but gives instant approvals for loans up to $1500 Wires money to your checking account, FAST! No Credit Check No Employment verification Must be 18 years or older Must have $1000 or more a month income Flexible repayment terms FREE 2 minute application Get up to $1500 for Anything!!!
	*OAC = On Approved Credit

Extended Auto Warranty

 I have recently contracted with Interstate National Dealer Services and am able to personally sell their great extended auto warranties.  They are A-(excellent) AM Best rated and the prices I offer them at blow away the competition.  You can save a ton by passing on the car dealerships warranty and buying from me.  Read more about these extended auto warranties.  Interstate National Dealer Services also offers a 0% payment plan at no cost to you...take advantage today!

The Car Buying Tips & Bad Credit Repair Tips articles that I've written will provide you with an insiders view point of different aspects of the car business and in some of them I get pretty involved, telling some deep dark secrets that I'm sure will ruffle some car dealers feathers.  These articles will give you some great car buying tips and information on how to avoid car dealer scams.

Between the articles I've written and the Blog you're going to find information that I have not seen anywhere online and some of it may really turn your head.  I will try to add new articles often.

Ask the Expert

The Blog is what the whole site was built around.  This is where I "Tell All."  I think a lot of you will really enjoy my posts from our big sales events.  I'll tell you the profits the dealer is making and you'll be quite surprised when I report 6, 7 and $8000 deals.  If you want to be the one paying $8000 over cost for a vehicle, then close your browser now, don't ever come back to my site, stroll on down to your local dealership, and trust me, they'll take care of you!

If you don't want to be the one that pays $8000 over cost for a vehicle then don't turn off your computer, stay on my site, listen to my advice, and ask me questions here "Ask the Expert."  I have no problem sharing everything I know, so ask away...

   

I hate buying cars.  All the games and never knowing if I'm getting scammed.  Thanks dude.  I really appreciate your site and the tip you gave me about negotiating with, as you put it "a broken leg"!    I will definitely let my family and friends know about your site, because if you can make buying a car this easy for me, you can work wonders with my sister.  Ha Ha! Thanks, Brian R. Seattle, WA