Keep Your Car Clean With These 4 Easy Tips

If you use your car every day, you’ll notice that garbage and dirt can quickly accumulate and make it embarrassing to have company ride with you. Of course you can take it to get a professional detail, but this takes time to schedule and can cost a lot of money. Thankfully, with these easy tips you’ll keep your car cleaner without dishing out a bunch of cash.

Don’t Eat in Your Car

The fact of the matter is that eating tends to be messy, and since you usually only eat in the car if you’re in a rush, the other fact of the matter is that most of us don’t clean up after ourselvesman eating and getting stain on tie very often. If you eat in your car, it’s practically guaranteed that there will be wrappers, stains, and crumbs, and that’s just more of a mess to clean because you’ll never actually feel like doing it.

Knock Your Shoes/Boots before Entering

If you live in a place that has rain, slush, or mud very frequently (like Olympia!) it’s hard to avoid getting your flooring dirty. However, you can at least make sure that as little of it gets into your car as possible, by simply knocking your footwear before stepping into the vehicle. Just sit in the seat real quick and kick your boots together and bam, you’re already diminishing the amount of dirt that gets in your car. Another option is to buy all weather floor mats that are made of rubber. These are easy to take out and wash off, keeping your flooring clean and stain free.

Clean up Spills as soon as they Happen

What’s worse than a spill? A spill that stains. The longer it takes you to clean up a mess after you make it, the longer it will take to get it out later, if you can even get it out at all. Not to mention the fact that it could make your car smell significantly worse depending on what it is you spill. Either way, it’s definitely in your best interests to just clean up the messes you make as soon as you make them. It’s a lot less long run hassle. Keep wet wipes or paper towels and bottled water in your car so you can clean up a spill right after it happens. A lot of the time water will clean up your spill if you catch it early enough.

Car garageUse a Garage

This one may seem obvious, but the garage is what keeps a car mostly safe from the elements. Why risk something bad happening in regards to wind, rain, or worse if you could avoid all of that entirely? A garage, if you have one, was literally designed for the sole purpose of keeping your car safe. Not using it is really just asking for trouble, and you won’t be able to blame anyone but yourself if something happens.

In the end, keeping your car clean can be a major pain, but it can also be pretty simple if you take some preventative measures. Just make things as simple as they can be and you won’t have to clean up as much as you normally would.

If you are interested in purchasing a clean and shiny new car today that has already been cleaned, contact the team at Washington Auto Credit today to learn about purchase options and easy auto financing and bankruptcy auto financing.

How to get the most miles out of your car tires

When it comes to your hard earned money, the last thing you want to do is to continuously have to buy new tires because yours have worn out. Luckily there are different ways to extend duration of your tires, and ultimately last a lot longer. Here are a few tips to help you lengthen the lifespan of your tires.

Inflation Maintenance

Ensuring that your tires are constantly filled with air is a crucial part to putting a stop to having to change them regularly. If it is not inflated properly then it will wind up wearing out unevenly which will result in them having to get switched out sooner.Car with a lot of tread on tires

Winter tires 

Making the decision to purchase winter tires now will cost a bit more in the beginning, so don’t be surprised when the cost adds up to around one-hundred dollars per tire. This may seem a big steep at first, but it beats buying tires at a regular price multiple times because they cannot last.  It may be a bit extreme but in the long run it will actually end up saving you money. Why buy cheap tires over and over when you can buy a solid set that end up lasting a lot longer? Since these tires are specially designed to take on grueling conditions, they are going to last a lot longer under normal weather.

Rotate your tires

Another sure fire way to help your tires last is to rotate them often. Your car is most likely front wheel drive, meaning that the tires in the front will take more of a beating than those in the back. If rotation doesn’t take place every 10,000 miles they will wear out a lot faster. Keeping a log of when you last rotated your tires can help you to keep track of when the next rotation should be.

Air pressure

Always pay close attention to your air pressure. The effects of negligence can be quite damaging to your tires. You can low profile tire with right amount of air pressureinherit lower miles per and in a worst case scenario your tire can even end up blowing out which no one ever wants. So make sure to check your tire pressure regularly.

Pick the right tire place

Choosing who you get your tires from is a very important step to increasing your tires lifespan. I-5 Cars Auto Group offers great discounts and convenient perks. 

Neglecting the maintenance of your tires will wear them out very quickly. It is useful to always keep up with your tire care to prevent you from shelling out your money, and wondering why your tires do not last very long. Utilizing these tips will help keep your tires from suffering from the wear and tear of constant daily use. So instead of pouring your money into new tires regularly you are free to use it towards other purposes in your life.

If you need auto financing and have less than perfect credit, Get Auto Financing Approval now in just 2 Minutes!

 

What To Do If You Are Involved In A Hit And Run Accident

Getting in a car accident while on the road is tragic enough, but being involved in a hit and run accident can by far make matters even worse. You collide with another car, you’re either injured or at the very least in shock, and the next thing you see is the other driver pulling out and speeding away from the scene. You feel confused and angry, and you have no idea what to do. The DMV website offers several very helpful tips concerning what to do when involved in this horrible kind of car accident.

What to Do First:
First off, the DMV classifies a hit and run car accident as a car that hits you and drives away, or a car hits your car while you are not there to see, so you don’t actually have to be driving for an accident to be considered a hit and run. The first thing you should do, is do your best to calm down and try to collect as much information as possible about the other car and driver. It should be fairly easy to detect the make and/or model, but if you can try to get the other driver’s plate numbers. This will help you immensely when calling the police and filing a report about the accident. You should also tpolice car accidentry and see if there are any witnesses to the accident around and get their contact information. Before you leave it is very important that you take pictures of your car and the scene of the accident.

What to do if You Were Not Present When it Happened:
If the accident happened when your car was parked somewhere and you were not around, getting witnesses and information about the other car is pretty slim to none. The best thing for you to do is make sure you write down the exact location of the accident, how much damage occurred, and a rough time analysis of when it could have happened. It’s always helpful to look for any paint from the other car that may have scratched off on your vehicle, because it is very common for people to purposely wreck their cars and commit insurance fraud, so you want to be able to prove that you are telling the truth and not trying to commit insurance fraud.

Calling the Police:
When involved in this kind of car accident, sometimes you can be so angry that you want to chase the other car and confront them, but it is important that you don’t do that, because that will cause another accident from the reckless driving. Because of that the best thing for you to do once you have calmed down and collect all of the possible information that you have, is to call the police and file a report on the accident. Make sure that you call them as soon as possible, and give them all of the information that you have, and don’t forget to include the witnesses and any important detail that you can think of in the report. You have to remember that the police may not find the person who hit you, but any information you have will at least help speed along the insurance process and get your car fixed faster.

To learn more car tips, or to fill out an auto loan application in 2 minutes, contact Washington Auto Credit in the Olympia Auto Mall today.

Should I reaffirm my auto loan after bankruptcy?

Hundreds of thousands of Americans file bankruptcy each year.

Many of the people that file for bankruptcy owe money on a car or truck already, and they have to decide whether or not they will reaffirm their auto loan.

If you don’t know, a reaffirmation agreement is between a debtor and the lender and it allows the debtor to exclude the loan from a Chapter 7 Bankruptcy.  Basically, it means that the person who filed is still responsible for the loan, and will have consequences if that loan is not paid (just like if the bankruptcy never happened).

For most people, reaffirming a loan after bankruptcy is a bad idea.

First, the majority of people with car loans owe too much money on their vehicle. When you owe more money on your vehicle than it is worth, it is called Negative Equity. Typically, people do not put enough money down when they buy cars and they extend the loan to get a low payment. Good or bad credit, you can still have negative equity if you do not put a lot of money down and you choose a long term loan. If you just filed bankruptcy, why would you want to take responsibility for a vehicle you owe too much money on?

Second, it is common for a reaffirmed loan to still show included in bankruptcy on your credit bureau. If there is a chance that you will not get a positive credit rating for an account, why keep it?

There are some situations where it can make sense to reaffirm an auto loan after bankruptcy.

Do you have a significant amount of equity? Do not give away that equity. Sell the car or trade in the vehicle so that you get that money back. But beware, not everyone who THINKS they have equity really does. Your vehicle is only worth what someone will pay for it. Talk to a reputable dealer in your area and ask them to do an appraisal to buy your vehicle. That way you can find out what it is really worth, should you want to sell it quickly.

Is there a co-signer on the loan that did not file bankruptcy? If you cannot give the vehicle back in the bankruptcy because you do not want to hurt the co-signer’s credit, you still may be able to avoid a reaffirmation agreement. The best thing you could do is surrender your interest in the vehicle in the bankruptcy, but keep the loan payments current so that the co-signer does not have a penalty on their credit. Eventually you will pay the loan down enough that you can trade the car in and get it out of the other person’s name. If the lender requires you to reaffirm the loan, then sometimes that might be the right decision, depending on your relationship with the co-signer.

Another reason to consider reaffirming a loan after bankruptcy would be if you do not qualify for financing after your bankruptcy.  If your income is too low to get approved for a car, or if you need a full ton truck for your job, but you do not qualify for a large enough loan to buy that type of vehicle it might make sense to reaffirm.

Outside of those unique situations, do yourself a favor and do not reaffirm your loans. If you want to keep a vehicle, redeem the loan. But do not reaffirm.

Where Can I Look at Washington Auto Credit Inventory?

Our pre-owned inventory page is located here. You will find the combined online used inventory from all of the dealers in our group. We also have access to brand new Ford, Toyota, and Volkswagen vehicles, but we do not display the new inventory on this website. Additionally, there are a lot of available vehicles that do not show up on the website, because they have not been stocked in yet.

If you are worried about the quality or type of vehicle you will be able to buy: RELAX.  Our customers end up buying all sorts of different vehicles. You can see many examples on our Testimonials page.  Additionally, you can read our Reviews or read what ThurstonTalk wrote about us.

Other dealerships cannot offer you our financing programs through their retail sales departments. Our loan programs are exclusive to Washington Auto Credit.

How Large of an Auto Loan am I Approved for?

When you have good credit, you can walk into just about any bank or credit union, fill out an application for an auto loan, and be told exactly how large of a loan you will be allowed.

When you do not have good credit, you can’t. Why is that?

Higher risk (i.e. Bad Credit) loans have a completely different underwriting process than prime auto loans. These are the factors that are considered when a lender decides whether or not to give you a bad credit auto loan:

1. Monthly Budget

The lender considers your provable income, factors in your current debt, and looks at the size of previous car payments that you have paid successfully. Next the underwriter, or the underwriter’s computer program, will come up with an acceptable monthly payment for you.

2. Vehicle

Higher risk lenders put certain requirements on the vehicles they are willing to lend money on. For example: A lender may say that the vehicle must be under 60,000 miles and a 2006 or newer.  Additionally, the exact Mileage, Year, Make, and Model will affect the term and the interest rate of the loan. All of those things affect how large the loan can be.

3. Down Payment

Lenders look at down payment as the customer’s commitment to the loan. If a car buyer puts $10,000 down on a $40,000 car, the loan is much more attractive to the lender than a person who puts $0 down on a $20,000 car. The payment may be bigger, but the risk is less.

Hopefully, the information provided above helps you understand the bad credit auto loan approval process.  If you have any other questions, you can always call us or check out our Frequently Asked Questions page.

Will I need a down payment to buy a car and how much will I need?

Every customer is different. We are often able to help people secure auto loans with little or nothing down. Under our Guaranteed Credit Approval program, the minimum down payment required is 10%, and depending on the exact vehicle you buy it could take more than that down to make the auto loan work.

We want to help you buy a car with as little down as possible. We even have loan programs that often allow us to offer auto loans for people with open bankruptcieswithout requiring a down payment. Sometimes, the lowest down payment options are not on a vehicle that would be your first choice. As the buyer, you have to decide what your priorities are. Is it to buy your dream car, no matter what? Is it to buy a reliable vehicle with not very much money down and a low monthly payment?

The answer to those questions will help determine the best course of action for you.

Where is WA Auto Credit located?

Our office is located at:

2015 Cooper Point Road SW
Olympia, WA 98502

We are in the Olympia Auto Mall between Mullinax Ford and Volkswagen of Olympia. We ONLY help our clients through appointments. We get very busy, so it is important that you call us at (360) 529-0002 to set up an appointment, or email us at team@waautocredit.com

What will my interest rate be?

There are many variables that affect your auto loan interest rate. The Year, Make and Model of the vehicle you buy can affect the interest rate. The term of the loan can affect the interest rate of your auto loan. The amount of money you decide to use as a down payment can affect your interest rate. In addition, auto loan interest rates change every day. Lenders are constantly changing their guidelines to adapt to the current economic conditions their customers face.

What kind of cars can WA Auto Credit help me buy?

Our dealers have many different makes and models to choose from. Over the years, we have helped people buy Ford, Chevy, Dodge, Chrysler, Jeep, Lincoln, Mazda, Volvo, Honda, Subaru, Toyota, Hummer, Cadillac, Hyundai, Kia, Scion, and more.

The most important thing to remember is that we will show you all that you qualify for. Why waste a month looking for the perfect 7-series BMW, or Crew Cab Diesel if you cannot buy it? We help you save time and frustration.