The process of purchasing a used car is easier than ever before. It does not matter what you are looking for, the car that you have been dreaming about is on our lot, and we want to help you drive home in it. Easy auto financing can make it possible for you to purchase your new car quickly and painlessly. It is available right on the lot, so you can be driving off the very same day. There is nothing stopping you anymore from getting that car you have had your eye on.
Financing any purchase inherently feels like an intimidating process, but that is simply not true. You are likely used to receiving a loan through the bank, but that ordeal is nothing like getting financing right on our lot. We have a team of financial experts that can work with you, instead of in spite of you, to make a payment plan that fits your budget. The biggest difference between us and the bank, in fact, is the flexibility. More options are available and you are in control.
Additionally, we can help you get approved. With our help, you can get financing even if you have been denied in the past. Bad credit is no issue. With the auto loan taken care of, all that is left is for you to pick out your car, and we have a huge selection, entirely of very high quality cars of course, so you can always find that special car.
If you have been waiting to buy a used car, it is now time to act. You credit situation cannot hold you back and your budget cannot hold you back. It really is that simple for you to get a new used car. Whether you have a car in mind, or you are just browsing, we have what you want . Come in today to see our incredible selection or apply online to see how easy it is to be approved.
Some people are car aficionados and know everything there is to know about used cars. For the rest of society, there are a lot of questions that come with purchasing a pre-owned vehicle. If you’re looking to save some money by getting a car that’s already had an owner or two, here are three questions that should definitely be posed to the dealer.
How Is the Car Equipped?
When you’re going through all the bells and whistles that come with your new vehicle, it’s hard to keep track of everything. If you start by asking what amenities are included right off the bat, you can check things off your list and be sure that you don’t drive off the lot in a car that has no A/C and no power windows. A lot of these things are easy to spot, but some might not be apparent at first glance.
Has the Car Been in an Accident?
Even if the exterior is dent free and you don’t notice any problems when you go for a test drive, it’s a good policy to find out if a car has previously been in a wreck. That will help you to know which parts have been replaced and why the previous owner may have decided to part with the car.
Is There a History Report?
If someone outside your family is selling a car without a history report, you probably don’t want to buy it. Most used cars come with certification and full reports nowadays. However, if a seller is just offering his or her word that the car is in good shape and hasn’t had any problems, make them prove it with a detailed report.
If you don’t ask the right questions, you might buy a bad car. When customers know the facts about the used cars they’re looking at, the purchase becomes a much safer bet.
Buying a used car for the first time can be an exciting yet puzzling experience. There are so many makes and models to choose from, and because there’s such a wide selection, it can be hard to know where to begin. Whether you’re working your first job or attending school, having a reliable vehicle can make all the difference, and we’re here with some tips on how to browse used cars, narrow down your choices and understand your payment options.
Before Your Browse
While you might think the first step in finding a quality used car is to browse vehicles online or visit car lots, it’s a good idea to organize your finances first. Gather your monthly bills so you can calculate what you can afford in the way of a monthly car payment, obtain a copy of your credit report and take the time to ensure all the information on it is correct. If you don’t have a credit history yet, our salespeople can let you know about your financing options and which choice might be best for you.
The Selection Process
Browsing used cars can be the most exciting part of the buying process. However, while you might have a specific make or model in mind, it’s helpful to keep an open mind as well. You may find a vehicle that’s a great fit for your current lifestyle, such as one that gets good gas mileage for your daily commute. You may want to write down a list of questions to ask our salespeople, as this can help narrow down your choices.
After You Buy
Once you purchase your vehicle, you might have questions about how to maintain it. We can help you create a plan for caring for your car in the long term, from servicing the engine to tire maintenance.
Choosing that perfect vehicle from a wide selection of used cars isn’t always easy for a first-time buyer. However, with a little planning and guidance, you can find a car that’s a perfect fit for your budget and lifestyle.
Hours of operation due to Covid-19
|Monday – Saturday
||9:00 am – 6:00 pm
||Monday – Friday
||8:00 am – 5:00 pm
||Saturday – Sunday
We are happy to
announce that Milburn Sales is now reopened and are available to take
appointments at the dealership. We are following strict guidelines as far as
COVID 19 sanitizing measures, all keys, vehicles etc. are cleaned before and
after each drive.
The dealership staff
are working hard to maintain an exceptionally clean and sanitized environment
at all times for your safety. All hard services are continuously cleaned with a
disinfectant, hand sanitizer is available on counters and there are masks and
gloves available if you wish.
We have added
plexiglass partitions to all work stations.
Although this is a
very different time for us all we are doing all that we can to keep you and our
staff safe while now proceeding to assist with all you driving needs.
Public transit is now
a big concern for many and we are here to solve that problem for you…We have a
good selection of vehicles and can offer up to six months deferred payment as
We hope to see you
You have just chosen your new car and negotiated the terms to pay for it. You may be content at first, but that five-year note may take the edge off your excitement after a while. You may begin to feel as if there is no end in sight, but there are some practical ways you can shave quite a few months off the life of your loan and pay less interest overall.
The simplest way to pay off car loans in a timely manner is to make payments on time and never skip a payment. If your payment is late, the lender might tack on a fee to your loan principal. Not only does this increase the amount you owe, you will also be paying interest on that fee. Your lender may occasionally offer you the opportunity to skip a payment as a reward. While this may be tempting, fight the urge to skip. Skipping a payment only adds time to the life of your loan.
Paying a little extra than the contract terms require each month is another good way to pay your loan off early. If you budgeted for $300 a month, but your finance plan only requires you to pay $250, go ahead and pay the higher amount that you planned every month. This not only takes months off the terms of your loan, it also lowers the amount you pay in interest.
Pay More Often
Some lenders charge penalties for making extra payments, but if your contract terms will allow for it, try to make an extra payment every once in a while. An easy way to do this is by making a half-payment every two weeks. Over the course of a year, instead of the 12 payments you would have made if you had paid once a month, you will make 13 full payments.
Your car loan may seem like it lasts forever. With a little extra effort, however, you can pay it off faster than you originally planned.
We know you love your car. You’ve spent a lot of time in it. It has gotten you from Point A to Point B, and you probably have some good memories in the driver’s seat. Used cars need TLC. In order to keep your car running smoothly and make sure that it lasts you as long as possible, it is important to keep on top of maintenance.
Understand Your Maintenance Schedule
If you read your owner’s manual you will see that it describes the maintenance schedule for your vehicle. We understand that in your busy day-to-day life, vehicle maintenance may not be at the top of your list – especially if nothing looks or sounds amiss. However, regular maintenance is what keeps things from going amiss! That’s why we recommend using reminders in the calendar app in your phone to keep track of what needs to be done when.
Keep Your Car Clean
This one is easy! Cleaning your car regularly isn’t just a good idea for aesthetic reasons; it can also keep your car running its best. Hose out the undercarriage and wheel wells to clear those areas of mud and dirt. If you live somewhere that it snows, don’t let this practice fall by the wayside in the cold weather. Road salt is bad for cars.
Get Maintenance Done at the Dealership
We’re the experts when it comes to treating your car the way should be treated. When you bring your car to us for maintenance, you can have peace of mind that it is in capable, knowledgeable, and experienced hands. We’re here for your car for the little things you need regularly, like oil changes, and the big repairs too!
Regular maintenance is essential in order to keep used cars in solid working order for as long as possible. Use your smartphone to stay on top of the recommended maintenance schedule, keep your car clean, and bring your car to the dealership to help ensure that you and your car will have a long, happy life together.
You’ve narrowed down your search for the perfect used car for your needs and budget and are ready to address your finance options. If you won’t be buying the car outright, you’ll need to finance it, which means paying interest. To avoid paying more than necessary for used cars, you’ll want to keep your interest rate as low as possible, which you can easily do with a few good tips.
Think About Financing Through the Dealer
While you might think financing your car through a dealer is automatically more expensive, the truth of the matter is that doing so could net you a pretty solid deal. This is because dealerships can offer incentives like zero-percent financing and other specialized low rates. Check to see what’s on the table before you think about financing elsewhere.
Consider a Certified Pre-Owned Car
It seems counter intuitive, but older cars usually come with higher interest rates when compared to newer models. Instead of thinking you’re better off with a new model, consider the fact that dealerships sometimes have zero-percent interest specials on their certified pre-owned cars. Be sure to ask about them as you’re walking up and down the aisles checking out cars.
Consider Your Term Length
If it’s at all possible, get a car loan with the shortest term length possible. The reason for this is that a shorter term length equals a shorter repayment length, which means a lower amount of interest paid over the life of your loan. Another great thing about getting a term length as short as possible is that you don’t have to worry as much about being upside down on your loan, which is what happens when you owe more on your car than it’s worth.
As you can see, there are several things you can do to keep the interest rate low on your used car. Be sure to put these tips to good use.
When you are checking out used cars, one of the biggest advantages is the cost. These will almost always be less than the same make and model that is new. When you are paying less for a vehicle, you can pay it off faster. However, there are a few tips to make it easier to get the loan paid off so that you can eliminate your monthly payments.
Put More Money Down
Even if you put an extra $500 to $1,000 down, this is less money you have to pay back with interest. This allows you to pay your vehicle off faster and it can also save you money overall. Consider your timeline for paying off the vehicle and do the math to determine the down payment amount that fits into your plans.
Pay More With Every Payment
Add to your payment every month to make each payment larger. You can choose any amount that you can afford during that given month. For example, add an extra $50 to your payment in August and September, but when the holidays come up and money is tight, plan to pay an extra $25. Every dollar counts and works to get the loan satisfied faster.
Make an Extra Payment Every Four Months
This is relatively easy and most people are able to afford this. This cuts off three months of payment per year. If you have a two-year loan, you will pay your vehicle off in 18 months instead of the full 24. Simply divide your monthly payment by four, put this much aside and once four months is up, make the extra payment.
You can use all of these tips together so that your loan is paid off before you know it. Just talk to the dealership and see if they have any rules about paying off a loan before it is set to be complete.
The idea of a brand new car is exhilarating, but for most people, used cars are more budget friendly and just make more sense. If you aren’t convinced that a used vehicle is the right choice for you, then you need to keep reading. We’re going to show you why buying used can be the best decision you make.
Buying used gives you a range of great options. Because prices are more affordable, you are able to look at vehicles you may never thought you could afford. This includes luxury designs and larger vehicles, like SUVs and trucks. In addition, you can get a lot of features for your dollar. You have the opportunity to buy the vehicle you really want instead of having to settle for only a couple options you can afford. This really opens things up and allows you to look at a range of vehicles you might not have even considered an option.
One of the best things about buying a used car is that they generally come with all the “kinks” worked out. This just means that any manufacturer issues have often already been caught and fixed by the time you get the car. So, you get a nice peace of mind.
More for Your Money
In the past, buying used was often a gamble because cars really had a set life time. You knew if the mileage was at a certain point that there was a certain amount of life left in the vehicle. That is not really true anymore. Cars last longer. So, buying a used one really isn’t sacrificing too much. You will likely get more than enough acceptable life out of any vehicle you buy.
Before you completely write off buying used cars, take a minute to think about the reasons you should buy one. Used vehicles aren’t at all the stereotypical broken down, worn out vehicles that may come to mind. They really are great cars that have a lot to offer.
There are numerous reasons to be excited about buying and owning a used car – the cause that is most compelling can vary from one individual to the next. The motivations for purchasing a pre-owned vehicle can be lumped into two main categories: style preference and budget. As for people who are looking to save some money on getting an automobile, the majority of them can meet this goal by preferring to drive cars, SUVs, vans, or trucks that have had at least one prior owner. The benefit of style might not be something that requires explaining, as entire communities have been built around classic and antique enthusiasts.
The Affordability Is Superb
Many people would be quick to take advantage of any opportunity to save thousands of dollars – especially if there needs can be met just the same as if they had paid the higher price. Buying used cars is a strategy that can be deployed in order to protect the balance of your bank account by allowing you to satisfy your need for personal or family transportation without paying much. In many instances, the high level of affordability inherent to pre-owned autos enables buyers to get a better car than they originally thought they would be able to buy.
You Get to Own Your Favorite Model
While a lot of people pick the vehicles they purchase purely for budget and functionality, there are still many who get a particular car because it is the one that best matches up with their tastes. For car enthusiasts, lots full of used cars is where they have the most pleasure shopping for their next automobile – the Chevy Camaro and the Ford Mustang are prime examples of cars often purchased used because of the performance and visual appeal of earlier models.
The list of benefits of buying a pre-owned can be quite long, but a great percentage of the people who purchase used find that either their taste in style or the friendliness towards their budget the most compelling reasons.