Show Me the Money! 7 Ways to Improve Your Chances of Getting a Car Loan

The United States has over 250-million cars on the road today. That number makes this country the second largest car market on the planet.

Why are cars so popular in the USA? Talk to 10 different people and you’d likely get 10 different answers.

Our take on why cars are such a big deal is that they make life easier and in many cases, are a downright necessity when it comes to getting through a day of work, picking up kids, scooping up groceries and more.

Because of how important cars are to our lives, it can be hard for people with less than stellar credit to cope with the fact that getting a car loan can be difficult.

Fortunately, there are a number of ways that you can vastly improve your chances of getting the financing you need to get into the car you want.

Here are a few of our top suggestions!

1. Have an Idea of What Your Credit Is

Any good car dealership is going to want to provide you with as surprise-free of a car-buying experience as humanly possible. So, before applying for financing at a dealership like ours, it’s always helpful to have a rough idea of what your credit is.

There are a number of ways to understand your credit situation that won’t cost you a penny! The United States Federal Trade Commission offers some great advice on this subject here.

2. Consider Working to Rehabilitate Your Credit

At Legend Auto Sales, our team prides ourselves on our ability to work with all kinds of credit situations when helping customers with getting a car loan. Still, we are also strong advocates of people rehabilitating their credit if that’s their ambition!

Some low-hanging fruits that might help to improve your credit include paying off existing debt, keeping up with your current recurring payments, and continuing to build a long credit history by keeping old credit cards/other lending accounts open.

Have more questions on credit? Our finance experts can help!

3. Get a Co-Signer

If you have a close friend or a family member with good credit, you may be able to qualify for a better auto loan than you would have if you’d submitted a credit application on your own.

Co-signers essentially ensure your responsibility to make car payments on time. So, if you were to fall behind on payments, your car’s financier would be able able to hold your co-signer responsible for filling in the gaps.

4. Be Flexible

The difficulty of getting a car loan can vary depending on the kind of car that you’re buying.

For example, if you’re trying to purchase a vehicle for $13,000, getting financing for it would be a lot easier than getting financing for a $25,000 vehicle.

Consequently, depending on your credit situation and related-factors, you may want to consider being flexible with the kind of car that you’re looking to purchase. Doing so will allow a good dealership to better accommodate your unique financial situation.

5. Offer a More Sizable Down Payment

The larger the down payment you offer, the less your lender is going to need to qualify you for in the way of funding. Therefore, if you can save up a sizeable down payment, the quality of your credit score will become less important than if you were trying to qualify for financing with 0-dollars down.

A finance expert at our dealership can walk you through exactly what a variable down payment might do to improve your likelihood of getting a great deal.

6. Discuss Your Specific Concerns With a Real Person

We’ve harped a little bit on the value a vehicle financing expert can bring to your auto-buying experience and you know what? We’re going to harp on it a little bit more!

You can read articles online until you’re blue in the face about getting a car loan but nothing replaces the streamlined experience you’ll enjoy when you get personalized advice from a person that routinely approves thousands of vehicle loans.

Our finance team always aims to give customers straightforward advice that makes their car buying experience hassle-free. If you’re interested in learning more about financing now, try out our payment calculator tool or feel free to browse our literature on how we help credit challenged car buyers drive off with the vehicles they’ve always wanted.

7. Work With a Dealership That Wants to Work With You

Our final getting a car loan tip is one that we can’t over-stress.

Working with a car dealership that wants to work with you is both valuable to your time and to your finances. That’s because car dealerships that have experience financing people with all kinds of credit situations are going to give you the best possible experience and the best deals every time.

Whether you’re a buyer with immaculate credit or a credit challenged customer that’s looking to hear the word “yes”, our team has you covered.

Our Final Thoughts on Getting a Car Loan

Getting a car loan can be a stressful process for millions of people. By doing simple things though like being flexible, understanding your situation and working with the right dealership, all of the stress that goes into getting car financing can go straight out the window.

Legend Auto Sales has been Burien, WA and the surrounding area’s go-to resource when it comes to financing, car buying and everything in-between since 2008.

We’ve got one of the largest pre-owned vehicle selections in the state and a professional, friendly team that wants to meet you today.

If you’re ready to enjoy car buying the way that it was meant to be enjoyed, come down to our dealership and let us treat you to a legendary experience!

Trucking Along: Our 7 Favorite and Most Popular Trucks

You’re in the market for a truck in the South Seattle area, but you’re not sure who to turn to for advice. We can help, we’re one of the largest pre-owned dealers in the state of Washington!

We’ll discuss the 7 most popular trucks, and why we love them below. 

Ford F-Series

Ford is one of the oldest vehicle companies in the world, having started production in 1903. We all know the company, and more than likely we all know someone who has a Ford truck. 

The F-Series pickups include light-duty trucks for the average person and medium duty trucks for the more rugged individuals. They even offer heavy duty utility versions for the men and women that work out of their vehicles.

Ford literally offers a truck for every person’s needs, whether it’s big or small. Statistics show that the F-Series was the best selling truck in the world for the year 2017, and we can see why. We have several 2017’s on our lot now, come see for yourself why the world loves this pickup!

Chevrolet Silverado

Just like Ford, Chevrolet is one of the most well-known car brands in history. The Silverado has officially been in production since 1988, though Chevrolet did use the Silverado name as a trim option as early as 1975 on some of its trucks and SUV’s. 

They come in several options, including light duty, medium duty, and heavy-duty utility vehicles with customized beds. The Silverado is just now into its fourth generation, starting this year (2019). Of course, during the display of the new model, Chevrolet airlifted the truck onto the stage via helicopter to wow fans and onlookers. 

Many people like to customize their personal vehicles, giving it their own special touch. We have a great example of this on our lot right now! A 2015 Chevy Silverado that looks great, and is a truck that you can trust!

Dodge Ram

What a name for a truck, huh? You’ve probably heard the saying, “If you can’t Dodge ’em, Ram ’em”! While we don’t condone violence in any way, it does give us a bit of a chuckle. 

Ram has become its own brand in the last few years. Even though they are still owed by Dodge (and ultimately the Fiat Chrysler Company), Ram is more of the heavy-duty line of vehicles offered by the company. They market themselves as the workforce behind the Dodge and Chrysler companies.

These trucks come in varying sizes, just like Ford and Chevrolet. The difference with Ram is their towing ability, which is what they are most known for. Though their competition is really stepping up the game to compete for that title. 

The Ram 1500 was awarded the 2019 Truck of the Year, it’s sixth time winning. 

GMC Sierra

This truck is mechanically identical to its sister, the Chevy Silverado. The Sierra is offered as an upgrade in comfort and style. 

However, for the 2019 model, GMC is offering a few unique touches to the Sierra that will showcase more differences from the Silverado. The first being a two-piece tailgate. 

The special tailgate is one of the first additions to the truck to bring attention to the fact that a working man’s pickup can still have the luxury and comfort that is the Sierra. 

We have a 2014 GMC Sierra on the lot today that really showcases the luxury and working ability of this pickup. The truck looks great, but you know it’s going to work as hard as you need it to!

Toyota Tacoma

This is the first mid-sized truck on our list! The full-sized trucks mentioned above obviously have their perks, but maybe they’re not the most fuel efficient or affordable options.

The Tacoma however, gives you all the ability of a pickup in a smaller, more compact form.

First coming to the U.S. in 1995, the Tacoma was marketed to younger drivers who were looking for a rugged vehicle with added safety and comfort features than the typical full-sized trucks on the market at that time. 

The 2019 model overall has a great IIHS Crash Rating, making it one of the safest trucks on the road today. 

Nissan Frontier

This is another mid-sized truck, similar to the Tacoma. The Nissan Frontier has been in production since 1997, selling 79,646 vehicles in the United States in 2018. 

The Frontier is currently in its third generation (beginning in 2014), with several special models sold only in European countries. 

We think these trucks are so popular because of their small stature, and affordable pricing. The consumer gets the added benefits of having the extra space of a pickup, with the ease of driving a small vehicle. Come check out the ones on our lot today!

Chevrolet Colorado

Rounding out as the third mid-sized truck on our list, the Colorado is a force to be reckoned with. 

The Colorado has been in production off and on since 2004, initially being classed as a compact truck. It replaced the ever-popular S-10 at the time and didn’t get upgraded to a mid-sized truck until 2012. 

Though the truck struggled in years 2013 and 2014, sales really took off in 2015, earning it the 2015 Truck of the Year.

Popular Trucks

That concludes our list of the 7 Most Popular Trucks, and why we are still loving them. These are the best of the best in the average consumer’s truck world. 

But let’s dive in a little deeper on who we are and why we care about these truck brands. We are Legend Auto Sales, out of Burien, WA just south of Seattle. We are one of the largest pre-owned auto dealers in the entire state of Washington. 

Here at Legend Auto Sales, we have vehicles as low as $8,991 if you’re looking for an affordable, well taken care of pre-owned car. On the flip-side, we also have a nice selection of lightly used luxury vehicles, such as this Tesla

We’d love to get you in the best vehicle for you, be it one of the trucks on this list, or any of our other 220+ vehicles on the lot. Come see us today!

Driving With a Purpose: 9 Tips When You Test Drive a Car

Shopping for a new car can be stressful.

But it doesn’t have to be that way.

In 2018, more than 17 million new vehicles were sold in the US. That figure doesn’t even include the millions of pre-owned vehicles sold across the country.

For an enjoyable, stress-free car shopping experience, you just need to know what you’re looking for and take a little time to check out the vehicles you’re interested in. Working with the right dealer doesn’t hurt either!

If the thought of car shopping has you feeling a little anxious, read on for a few tips to help you navigate the test drive and your car shopping experience.

Before You Test Drive: Know What You Want

Before you head to the dealership, it’s important to know what you’re looking for and what type of car is best for you.

You don’t necessarily need to know the exact make and model you’d like to drive, but you should know what type of car you’d like to purchase.

Continue reading “Driving With a Purpose: 9 Tips When You Test Drive a Car”

Father’s Day Gas Grill Giveaway

Enter for a chance to win a Deluxe 6-Burner Propane Gas Grill!

  • Includes rotisserie kit, LED control panel, tank gauge and more
  • Dual energy capabilities – convertible to natural gas
  • Heavy-duty porcelain cast iron cooking grids

How to enter:
Entry Frequency: Single Entry
Eligibility: Must be 18+ as of the date of entry
Start Date: June 10,  2019, 9:00 AM PST
End Date: June 30, 2019, 8:00 PM PST
Official Rules:
This sweepstake will accept entries from June 10, 2019, 9:00 AM PST throughJune, 30th 2019 8:00 PM PST. A total of (1) prizes will be awarded.
Must enter in person at Legend Auto Sales by completing entry form ticket. 
Prize includes: First One hundred (100) participants can enter to win a Nexgrill Deluxe 6-Burner Propane Gas Grill in Slate with Ceramic Searing Side Burner-The odds of winning are 1:100
Eligibility: Must be 18+ as of the date of entry. The first one hundred (100) eligible individuals will each be given an entry ticket. Limit one entry per eligible individual. Start Date: June 10, 2019, 9:00 AM PSTEnd Date: June 30, 2019, 8:00 PM PSTOfficial Rules: The sweepstake is open to those who are at least 18 years of age or older at time of entry. Entry is not limited to employees, independent contractors, and family members of the same household. The sweepstake is being sponsored and administered by Legend Auto Sales, Inc 14650 1st Ave S Burien, WA 98168. The Drawing Date is July 1, 2019, at 12:00pm PST. The drawing will be conducted using a drawing box to randomly select the winner from the total amount of submitted entries at 14650 1st Ave S Burien, WA 98168. The prize winner will be contacted via email or phone call within five (5) business days of the Drawing.

Why Certified Pre-Owned Vehicles Aren’t Worth the Cost

Americans buy a lot of used vehicles. Every year, consumers buy more than twice as many used vehicles as new ones.

In 2018, used car sales were nearly as high as they were before The Great Recession. Clearly people are in the market for used cars and trucks.

With used cars being so in demand, retailers are hiking up prices to new heights. The third quarter of 2018 saw record prices in the used car market. Used vehicles were 3.5% higher than Q3 of the previous year.

With used vehicle prices on the rise, are you really looking to spend more than you need to? Today, we’re going to look at certified pre-owned vehicles and why your money would be better spent elsewhere.

The Downsides Of Certified Pre-Owned Vehicles

Before we delve into the drawbacks of certified pre-owned vehicles, let’s take a look at what that means.

What Are Certified Pre-Owned Vehicles?

Buying a brand new car or truck means it’s coming from the manufacturer exactly as it’s intended. It’s guaranteed to operate the way it’s meant to. They also tend to come with all manner of warranties and guarantees in case something should happen to go wrong.

Continue reading “Why Certified Pre-Owned Vehicles Aren’t Worth the Cost”