Helpful Tips For Getting A Car Loan This Summer - Del Toro Auto Sales Auburn, Washington

It’s almost that time of the year again, summer is upon us and in addition to getting your mind and body ready for relaxation on the beach, a lot of us are ready for long summer drives with music blasting on the stereo and wind blowing through your hair. For some people though, that summer fantasy would be a little incomplete as they do not have a car just yet and have not been able to save up all they need just yet. 

Buying a car is a pretty big commitment and most of the time you may need to get a loan to offset the costs. All of us here at  Del Toro auto sales care about you and we want you to have the best summer so we’ve put together some helpful tips on how to get a car loan this summer. If you are in Auburn, WA, Del Toro Auto Sales offers you the best deals on clean and reliable vehicles you can trust in the Pacific Northwest. 

Determine your budget

Before you begin to envision yourself in the latest sports car, take a look at your finances and decide how much you are willing to spend on getting your dream ride. If you are getting a loan, then you need to be able to support the monthly payments with your current income or you might find yourself struggling to meet these payments. If you have already been saving up for a car then you could already have a lump sum to put as a down payment which will significantly lower the loan you’ll take and make it easier to pay off your auto loan easily. Once you have decided how much you want to spend in total on a car, you can go our website and apply online for auto credit. Within minutes we will give you an auto loan approval.

How to get auto credit approval 

For you to be approved for a car loan, you need to get credit approval and this is done by looking at your credit score and your income. If you have a proven record of borrowing money and paying back on time, you will most likely get a lower interest rate on your auto loan on both monthly payments and the total interest payment. Your income will also be examined, if you have a stable source of income and a healthy bank balance, this means the auto company can trust you to make your monthly payments accordingly and on time so the lenders will be more likely to approve your request for auto credit approval. Before you even begin to look at cars and or apply for loans, you can call us and together we can take a look at your credit and ensure that you have a good standing on that front so you don’t get your hopes up only to have your auto credit request denied. 

Conclusion 

With these helpful tips, you know the process before walking into  our car dealership inAuburn, WA this summer to pick out your preferred used vehicle. Remember to stay within your budget and explore all your options before finally settling on a car that fulfills your needs. Whether it’s a car, SUV, Minivan or a pick up truck, we are pretty sure you’ll be able to fulfill that summer dream of driving your very own car. 

New years resolution - Take better care of your vehicle - Del Toro Auto Sales

There is no better time to make life changes than starting the New Year off right.  Get rid of your bad habits and replace them with fresh ones.  Take care of the things you have to save you money in the future and improve your time behind the wheel.  Here at Del Toro Auto Sales we can help you organize your paperwork and take better care of your vehicle.  We have a few New Year’s resolutions that are helpful for drivers either financing a pre-owned vehicle or improving the life of their car:

Car Maintenance.  Make some resolutions for your car, truck or SUV to keep your vehicle in better condition, have a better ride and save a few dollars.

Organize the paperwork for your car. Have you ever been stopped while driving and asked for your registration?  Or think you have lost the title to your car and you break out in a complete sweat?  Take a few minutes to locate all of the paperwork for your car.  Buy a folder, label it, and organize the paperwork to place in its corresponding label. This way you will never have to scramble or have an all out sweat attack because you can’t find the documents needed.

Clean out your vehicle. Your car tends to be the place where trash and personal belongings get stored over time.  Do you have books, clothes, items that are not needed, work materials, sport equipment, or bins in the back seat or trunk of your car?  Take some time to clean out your car because you are burning unnecessary fuel.  This will help you maximize your miles per gallon, keep you more organized and make space for other items needed on a daily basis.

Change the oil and air filter. Many people procrastinate when it comes time to change their oil or not aware that oil changes are on a per mile basis, not an annual basis.  You should make an effort to change your filter frequently rather than fighting for time when the odometer says it’s needed.  Be proactive with the changes.

Tire checkups are needed. People tend to forget about their tires until something goes wrong.  Especially during the seasonal changes make note to check your tires.  You don’t want to be stuck in the snow or in icy conditions with worn or bad tires and be sure to check your tire pressure often.

We, at Del ToroAuto Sales are here to help you with your every need.  We want to ensure you are staying safe on the road and saving as much money as you can.  So if you are in the need for a quality pre-owned vehicle with guaranteed financing  or want to improve your time on the road give us a call at 1(888)324-2978 or visit us today.

Pre Father's Day Sale At Del Toro Auto Sales

Fathers are a blessing to the life of anyone, be it a biological father or a father figure and we do know that they do love their toys especially a sweet well-functioning car that they can drive around town in and just ease into the fun of the ride.

That's why we at Del Toro Auto Sales in Auburn, WA have taken it upon ourselves to help you put a smile on their faces by providing some great fairly used cars at affordable rates and approvals within 30 seconds. 

We have a wide range of impressive cars from BMWs to Chevrolets avalanche, Impala, Malibu, Silverado, and Spark. Here are some of the Vehicles we have at Del Toro Auto Sales on sale that are sure to impress.

1) Used 2009 BMW 328i3
This is one great luxury ride you might want to take home. It was engineered in Germany and is both dependable and affordable. Its transmission is automatic, and it possesses a mileage of 104,642. This beauty is powered by a 3.0L 16 engine and is just perfect for arriving your destination in style.

2) Used 2006 BMW X3 X3 AWD 3.0i
This German Fraulein has some sweet deals for you with an inbuilt awesome six-cylinder engine and an automatic transmission. This BMW gives you your smooth ride without the hassle of frequenting the gas station. Isn't that a great deal with an affordable price only a call away?.

3) Used 2014 Chevrolet Spark LS
For as low as 7,791 dollars you can purchase this beauty, and it is great for urban use and not only do you have savings on its purchase you are saved from the hassle of a frequent top up of gas. This subcompact car runs smoothly with a mileage of 61,947 and a 1.2L engine. It is sure to make you ride in style and comfort.

Summarily great cars are hard to come by especially at relatively cheap rates. We at Del Toro Auto Sales in Auburn WA aim to please and have made these available. To further ease the purchase process we have made available Auto financing opportunities.
 So feel free and take advantage of these great deals for father's day and the accompanying hundred percent financial and credit approvals.

Car Financing for First-Time Car Buyers

Car Financing for first time buyers in Auburn - Del Toro auto sales

How to find a good first car and how to get car financing!

So, you’re in the market for your first new or used car. Congratulations! The open road awaits you!
You probably have questions about the process — how to find the right first car, how to go about buying it, and how to secure financing for your purchase. We’ve got answers! Below are some commonly-asked questions our customers often have as a first-time buyer. Let’s get into it!

How does financing work?
Say you’ve found a sweet used car at del toro auto sales in Auburn — great condition, low miles, and it’s got everything you need. Looks like a great first car, but how do you pay for it? When you finance a car purchase, you’re borrowing money and entering a contract to repay it over time, usually in monthly payments.

This is a standard practice, and lots of people use financing to purchase larger items like vehicles and big appliances.

At Del toro auto sales, financing is different from the haggling you might face at traditional new- and used-car dealerships, where you negotiate financing terms and may experience a lack of transparency. At Del toro auto sales in Auburn your sales consultant doesn’t get paid based on your financing terms! Here’s how the process works.

1. Do your research and establish a budget. Take a good look at your needs for your first car, including your driving requirements, to make sure you get behind the wheel of a vehicle that suits you for as long as you plan to keep it.

Use our online calculator to understand the costs and the benefits of making a down payment. Check your credit score — your credit will be a factor in your available financing options. Understand the financing terms you’ll be hearing about as you go through the process. Your used car research will pay off.

2. Get pre-qualified. This gives you an idea of how much you can spend on your purchase.

3. Come see us at Del toro auto sales in Auburn. We’ll sit down with you to go over available financing options. Finance decisions come directly from our finance sources, usually within minutes of submitting your application.


How do I budget for a used car?

Do yourself a favor and make a budget for your first car purchase. Giving yourself some realistic guardrails will help make car ownership easier on your wallet! Most financial institutions recommend budgeting no more than 15 percent of your gross monthly income on a monthly car payment.

When you’re budgeting, use an online calculator to get a feel for vehicle prices, down payment amounts, monthly payments, and annual percentage rates. In addition, check out these great ways to save on your next used car and additional helpful tips for the first-time car buyer.

So, when you’ve got your eye set on a used Hyundai or Honda — two solid-value choices for the first-time car buyer — you can make your purchase more confidently, and with less worry about paying for it.

How important is a down payment?

A down payment is the amount of money you put down at the time of your purchase. Some dealerships require a down payment, but at Del toro auto sales, making a down payment isn’t a requirement in all situations. But it is important. If you’re looking to buy a Ford or Kia for your first car, making even a small down payment — even $100! — is better than nothing at all.
That’s because it reduces that amount you’ll need to finance and your monthly payment amount.

If you have a vehicle to trade in, you can get your car appraised (yes, you can put your offer from Del toro auto sales toward the purchase of a used car or truck at Del toro auto sales).

Can I get approved if I have no credit? How about bad or damaged credit?

We successfully provide options to customers with many different credit profiles because we work with some of the state's leading financial institutions, which improves your chances of getting approved. If you’d like to learn more about credit scores and ratings, check out our article about understanding credit ratings.

Can I finance through my bank or credit union?

At Del toro auto sales, yes you can. Just bring your outside financing when you come to visit us at our Del toro auto sales Auburn location.


How do you decide where to buy?

We won’t tell you where to buy your first car or truck. Some dealerships may give you what you’re looking for — and others might give you the feeling that you’re being taken advantage of. But here at Del toro auto sales in Auburn, you can feel confident that we’ll never pressure you into making a purchase. We want you to find the used vehicle that best fits your needs, for as long as you plan to own it, and we have a no-haggle, no-pressure approach that lets our customers focus on finding a vehicle that’s right for them.
You’re embarking on an exciting adventure — good luck with buying your first vehicle, and whatever you buy, we hope you enjoy it.

Checklist tips everyone should know before buying a used car

CHECKLIST TIPS FOR BUYING A USED CAR

Del Toro auto sales used car buying tips

Here is a list to check when shopping for a used vehicle:

Body Damage
Is the bodywork straight? Sight down the fenders and doors for ripples. Look in the door frames and under the

hood and in the trunk for evidence of crash damage.

Paint
Dull paint can usually be buffed out, but peeling paint will have to be sanded down, maybe to bare metal, and then resprayed. Not a deal-breaker, but roll it into the price.

Mileage
A well-maintained car can often go 150,000 or 200,000 miles, so don't be afraid of a high-mileage car if everything else is fine. On the other hand, mileage significantly lower or higher than the national average of 14,000 per year is a red flag. Low mileage may mean one of two things: a garage queen or station car that got driven rarely. And that's not good, that's bad. Sludge and carbon may have affected the engine. Or the odometer may have rolled over one more time than the seller is letting on. Check that the driver's seat and pedals reflect the mileage on the odometer. A worn brake-pedal rubber cover means lots of aggressive city miles. A brand-new brake pedal may mean the seller has replaced it to cover up the worn older one.

Tires and wheels 
  Walking around the vehicle to see if the styles of wheels are the same or different. If they are different is suggesting that the driver had trouble with curbs. You don't need any more info. This is a sign that the car could have been treated poorly.

Engine
Obviously, you need a vehicle that starts readily, runs cleanly and doesn't leak. If the seller has maintenance records, peruse them carefully. A steady progression of oil-change appointments is a great sign.

Tires
Worn-out tires are an easy fix, just figure it into the offering price. But check the tire-tread wear for signs of misalignment. A front end that's out of line may mean that the suspension is worn out.

Suspension and shocks 
Add the cost of a set of good shocks if the ones on the car are sacked out—but be prepared for additional suspension work necessitated by a lot of mileage with the shocks worn out.

Check for water damage
Check for mud in the trunk or under the seats. If the owner's manual is papier-mâché or the interior smells moldy, you may have a car that's been underwater. Never buy a flood car—these are often reclaimed by insurance companies, rinsed off and sold at auction.

For more information on what to look for or if you need help with a vehicle purchase or finance, please call Del toro auto sales in Auburn at (888)324-2978 or visit us at 415 Auburn Ave, Auburn, WA 98002