6 Tips to Financing a Quality Pre-Owned Vehicle in Auburn, WA - Del Toro Auto Sales

6 Tips to Financing a Quality Pre-Owned Vehicle

Buying something new is always exciting especially when it comes to purchasing a
quality pre-owned car for you or your family. Regardless if it’s new or it’s a used car in
Auburn the car buying process can be a bit stressful. Del Toro Auto sales has compiled
some helpful tips to consider before financing a used car in Auburn.

1. When you are looking for your next pre-owned vehicle, you should never rush the
process. Take your time to find the right car that works for you. Consider your
finances, your daily commute to work or how often are you on the road, whether
or not you need extra space for children or pets. Staying calm and patient can
end up saving you time and money in the long run.

2. If you visit our website at deltoroautosales.com and find a used car that interests
you, it’s important to visit us in person to look at the vehicle and take time to test
drive it. Why? Because it may look pristine and it may seem to have everything
you want, but when you take it for a drive you may not feel comfortable, or you
would like to sit higher. What you thought you wanted might not be reality.

3. Do your research. Taking time to figure out your needs when you are about to
finance a pre-owned car is very important. Look at several makes and models,
not just the car that looks beautiful. Think about how long you may think you’ll
have the vehicle and look at the miles that have already been driven on the car.
Will you be driving in rough terrain or snow? And then look at the used car
inventory at Del Toro Auto Sales. See if there are any dings, scrapes, or
scratches. Being prepared allows you to have a set of expectations during your
guaranteed finance process in Auburn.

4. Look at your budget. It’s important to know how much money you can afford
monthly in addition to how much money you can put down on your quality pre-
owned car. Most used car dealerships require a down payment, however if you
are unable to make a down payment, we at Del Toro Auto Sales have programs
to assist people.

5. Shop at the dealership that works for you. Shopping at the right dealership is just
as important than doing your homework for the perfect used car. Some used car
dealerships in Auburn may not have programs that work for your situation. For an
example Del Toro Auto Sales offers guaranteed financing regardless of your
credit history, we have programs for new buyers, military families as well as no
down or  low down payment We understand that for most people it is hard to
come up with a chunk of money to put towards your new wheels which is why we
try to cater to all our clients.

6. When you are out shopping around ask what types of specials and programs are
offered. Del Toro auto sales is welcoming and very understanding of peoples
situations, we know vehicles play very important roles in our lives and we want to
help.  Visit us today to find out about our used car financing in Auburn. You could
be closer to signing on the dotted line than you think. It’s simple and quick. Do
your homework first so you know what to expect prior to the used car financing
process.  Our team of professionals will help you every step of the way.

Visit us during our extensive store hours or visit our website to view our
inventory, compare makes and models, use our payment calculator or view the
CARFAX history of the pre-owned vehicles of your liking. If you have any
questions don’t hesitate to ask. Don’t miss the opportunities. Visit us today at Del
Toro Auto Sales in Auburn.

First time buyer specials - Finance a Used cars Auburn, WA - Del Toro Auto Sales

5 Tips To Help Graduates Finance A Used Car

It is that time of year when college graduates are walking across the platform to receive their diploma and you find yourself with money in your pocket from graduation gifts.  Now days you pretty much need your car for everything and reliable transportation is a must.  Whether it is to visit family, travel to work or to have fun, a pre-owned vehicle will be handy. Purchasing or financing a quality used car at Del Toro Auto Sales is a great place to start looking.  Del Toro Sales in Auburn has a few tips that will help graduates with financing their new used car and hit the ground running.

Tip #1:  Check your credit

As a recent graduate you may think your credit history looks different so you may be alarmed when you view your credit score.  Learning your score early on can help you check for errors and get them fixed.  Keep in mind your student loans won’t show up right away on your credit report.  You can view your credit report once a year for free by visiting annualcredit report.com

If you need to increase your credit think about obtaining a credit card with a low limit especially before heading to Del Toro Auto Sales, your used car dealership of choice.  However, when you have low to no credit, it does not mean you can’t get financed.  Our professionals understand circumstances and recent graduates don’t have much credit. 

Tip #2:  Set yourself a budget for a used car in Auburn

It is always best to determine how much used car financing you can get and what your monthly payment should look like before you begin shopping.   Ensure to factor in your living expenses, food, student loan payments and entertainment with the money you are currently making.

Tip #3:  Start saving now:

Whenever financing a used car, it’s best to be able to put money down so your used car loan is less with a lower monthly payment.  In addition you will need to pay for insurance and vehicle registration. Start saving now with the money you are currently earning.  Each paycheck put money towards your used vehicle in Auburn. 

Tip #4.  Used car financing at Del Toro Auto Sales

New cars lose so much depreciation and create a larger hole in your wallet.  Financing a used car allows you the freedom to get from place to place while still being able to ride around in a quality vehicle with all the options as a new car.  Although your quality used car may be a little worn, as long as the engine runs efficiently, you are good to go!

Tip #5.  Think about cost-saving strategies that will help you in the long run

When financing a used car in Auburn think about the distances you will be traveling and what fits your needs.  For an example if you will be spending hours on the road each morning think about financing a gas efficient vehicle.

In addition, think about insurance and what your monthly payment will look like.  Some used cars at Del Toro Auto Sales are cheaper to insure than others and if it needs repair, luxury used cars in Auburn are a lot more expensive.

You are now in the next chapter of life and entering the real world, you are on your own now.  Use the tips above to help get you on the right track and if you are in the market for a quality used car, our team of professionals are here to help you.  

Visit us seven days a week during flexible hours or visit our website to view our extensive inventory and to compare makes and models.  Your preferred dealership, Del Toro Auto Sales in Auburn, looks forward to the opportunity to serve you.

How having a Down payment affects your auto loan

Why does your Down Payment Matter

Here is some good advice for car buyers about how much money to put down.

Are in the market for a used car or truck? If you are, you’re probably wondering about the smartest way to pay for it. How to finance a vehicle is one of the questions we hear most often from our customers.


There are four main factors considered in an auto finance credit decision: your personal credit history, your application information, the vehicle you’re considering (its age, mileage, and price), and your down payment. In this article, we’ll help you understand the importance of a down payment.
What is a down payment?







“A down payment will reduce the amount you borrow when making a purchase, and it could also lower your annual percentage rate and monthly payment.”

A down payment is the amount of cash or trade equity you pay up front when you finance a vehicle. The amount of money you put down affects the amount of your monthly payment. It could also help improve your financing offer, which could include a lower annual percentage rate.


How much should you put down?

Del Toro auto sales customers often ask us about the average down payment on a car or truck. The short answer: the more you can comfortably put down, the better! Making even a small down payment — even $500 — is better than making no down payment.

Putting down any amount as a down payment can improve your financing offer.
Your down payment will reduce the amount you borrow, and your down payment amount could also lower your annual percentage rate and monthly payment.
Banks like to see commitment towards the vehicle purchase so the more Down payment you have more money you will save in the long run.

Del Toro auto sales offers its customers fair pricing in our vehicle, which means we don’t negotiate any part of the transaction with you. The money you put down goes directly toward lowering the amount you finance. No haggling, no games. We always make it super easy, you can see our google customer reviews and read some of our customers experience with Del Toro auto sales.


If you’re not sure how much you can afford to put down, you can talk to one of out finance specialist and they will figured out for you the best posible scenario, plus other variables so you can estimate a vehicle finance budget that makes the most sense for you.

Use your vehicle’s appraised value or other sources for your down payment
Some customers don’t know they can use the equity they have in their current car or truck as part of their down payment, and they don’t consider this when they’re budgeting for their next vehicle. In addition to putting cash down, you could add the trade-in value of the car you drive now — that is, if you’re ready to sell it. Learn how to get your car or truck appraised here. You can also use your tax refund as a way to make a down payment.


Don’t get upside down
The larger your down payment, the less likely you’ll be “upside down” — this can happen when you owe more on your car than its value at the time of sale or trade-in. This is also known as negative equity.

Del toro auto sales in Auburn can help
If you don’t have the funds for a down payment at the time of purchase, don’t be discouraged about buying a used car. At Del Toro auto sales we work with a number of different finance sources that can provide a variety of financing options. Wether you have good credit, bad creditor no credit at all we can help you get financed. Obviously the more down payment you have the better, specially is you have challenging credit.

Want to learn more about financing with Del toro auto sales in Auburn for your next used car or truck? Contact us on our website or by phone calling 888-324-2978.