Posts Tagged Chicago Buick

How to Buy a Car with Bad Credit

Buy a Car with Bad Credit

Rogers Auto Group

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    When buying a car with bad credit, your income becomes a major determining factor and also dropping down to a lower priced new or used vehicle might be necessary in order to obtain financing. To better your chance of qualifying for a car loan, look for an automobile with monthly payments under 16% of your monthly income. To expedite this process click on the link so you can fill out our online application. Credit App

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    When getting your loan approved, the lending institutions use a computer scoring system and it is also based on the type or length of employment, length of residence, whether you rent or own, if you have s checking and / or savings accounts. The lenders scoring system will also give plus points for complete phone numbers and addresses for family members and friends you have listed as references. Have all of your materials and information (Pay Stub) before you even step foot in the car dealership. The proper Job description is very important – so make sure to describe your position as professional as possible. For example, “Administrative Assistant” might have a more impressive effect than “Secretary”.

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    Down Payment: a large down payment reduces financial risks and goes a long way with the lender with approving your application.

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    Approach family or friends who have more solid credit history to co-sign for you. After a good number of timely payments, the car loan can be refinanced under your name only and the co-signer can be released from financial responsibility. 

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  • If you have some equity on your home or on a piece of real estate, you might want to contact a mortgage lender about financing your car loan. Remember, though, that since you are offering your real estate as collateral, the lender will have claim to both your car AND your real estate property if you default on your automobile loan.

    NOTE:

    Please STOP submitting car loan applications everywhere. If you have bad credit they will just get rejected and drop your credit score even further. Apply here at Rogers Auto Group. We find “bad credit car loan lenders” for you. We get your car financing from lenders that specialize in high-risk, yet still offer decent auto loan rates. We work with multiple lending organizations Nationally. By using RogersAutoGroup.net, you submit only one application and get coverage from our entire network.

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    2011 Chevy Volt Review: repost by Rogers Auto Group Chicago

    2011 Chevy Volt: Repost by Rogers Auto Group

     

    What Edmunds.com says

    The 2011 Chevy Volt plug-in hybrid is arguably the most fuel-efficient car on the market, but it’s pricey for what you get.

    Pros

    Low monthly fuel cost in normal driving; useful 300-mile maximum range; appealing standard features; high-tech cabin.

    What’s New for 2011

    The 2011 Chevrolet Volt is Chevy’s much-anticipated new plug-in battery/gasoline hybrid, featuring an electric-only mode with a range of up to 40 miles.

    2011 Chevrolet Volt Vehicle Overview

    Introduction

    So what exactly is the 2011 Chevrolet Volt? It’s a question we get all the time. A confusing array of claims and rumors have been swirling around this car since it debuted as a concept a few years back, so we’re not surprised that people aren’t clear on what the Volt is all about.Here’s the long and short of it: The Volt is a four-seat, four-door “series plug-in hybrid” hatchback with a lithium-ion battery pack that can power the car’s 149-horsepower (111-kilowatt) electric motor by itself for an estimated 40 miles in the city. After that, the gasoline- or E85-powered inline-4 engine is used to supply electricity to the motor for as many as 300 additional miles. All told, the Volt is quite possibly the most fuel-efficient car you will be able to buy.

    We say “quite possibly” because you can’t measure the Volt’s fuel economy in any standard fashion. It all depends on how you drive. Suppose you have a 20-mile round-trip commute, and you plug in your Volt every night when you get home (a full charge requires as few as 3 hours). Congratulations! Your fuel economy is infinity, because you’ll never run the battery pack down all the way. But if you have a 100-mile commute, you’ll be driving at least 60 miles a day under gasoline power, so you’ll have to refuel on a regular basis.

    To help consumers understand the energy costs of complicated vehicles like the Volt as they compare to traditional vehicles, Edmunds has created a Monthly Fuel Cost Calculator, or MFC, which is based on a standard monthly accumulation of 1,250 miles. In the Volt’s case, both electricity and gasoline prices must be taken into account, as well as the estimated 40 mpg returned by its gasoline generator when the battery pack is depleted. After all the numbers have been crunched, the Volt ends up with the equivalent of 230 mpg, which translates into an industry-leading $54 MFC. By comparison, the next-best MFC belongs to the Toyota Prius, which comes in at $67.

    So the Volt will almost certainly save you some money at the pump. What’s not clear is whether those savings are worth what you’ll have to pay at the dealership. Even with a $7,500 federal tax credit, a base Volt will still cost $33,500 — all for a four-seat hatchback that’s smaller than a Prius. There’s also a strong likelihood that dealers will try to gouge early customers with sky-high markups. Still, there is no denying the Volt’s technological promise. Most importantly, it has the ability to keep on going when its battery runs down (say, on a road trip), whereas an all-electric vehicle like Nissan’s Leaf does not. If you want an intriguing yet practical taste of a greener automotive future, the 2011 Chevy Volt might be just what the General ordered.

    For Pricing information, see our Pricing page.

    Body Styles, Trim Levels, and Options

    The 2011 Chevrolet Volt is a midsize five-door hatchback sedan with seating for four.Standard features include 17-inch alloy wheels, automatic headlights, heated mirrors, keyless ignition, remote ignition, automatic climate control, cruise control, auto-dimming rearview mirror, six-way manual front seats, tilt-and-telescoping steering wheel, cloth upholstery, Bluetooth, OnStar, a navigation system with touchscreen, voice controls and real-time traffic, and a six-speaker Bose stereo with CD/DVD player, auxiliary audio jack, iPod/USB interface and 30GB of digital music storage.

    The Premium Trim package adds leather upholstery, a leather-wrapped steering wheel and heated front seats. The Rear Camera and Park Assist package adds a rearview camera and front and rear parking sensors.

    For more Style information, see our Compare Styles page.

    Powertrains and Performance

    The front-wheel-drive 2011 Volt is powered by an electric motor rated at 149 hp (111 kilowatts) and 273 pound-feet of torque. This motor draws power from a lithium-ion battery pack until the battery charge is 70 percent depleted. At that point, the Volt’s 1.4-liter four-cylinder internal combustion engine, which runs on either gasoline or E85, comes to life as a replacement power source for the electric motor.The battery can only be completely recharged through either a 120-volt or 240-volt outlet, but regenerative braking and the engine generator can replenish it slightly.

    There is no transmission in the traditional sense; rather, the Volt employs a single reduction gear to send the electric motor’s power to the front wheels. GM projects a sprint to 60 mph in 8.5-9 seconds with full battery power.

    For more Performance Data, see our Specifications page.

    Safety

    Safety features on the 2011 Chevy Volt include antilock brakes, stability control, front side airbags, front knee airbags and full-length side curtain airbags.

    For more Safety information, see our Safety page.

    Interior Design and Special Features

    The 2011 Chevrolet Volt’s distinctive center stack appears to have been modeled after various personal electronic devices with touch-sensitive buttons. It looks less like an automotive control panel than an oversized iPod, which we applaud; after all, people spending this much money on a vehicle will likely expect a little something special inside.There’s plenty of technology involved, too, including a standard color display with a built-in hard drive. In terms of functionality, the Volt’s main controls are fairly intuitive, and the futuristic gauge readout is easy enough to read at a glance. There’s also a nice little ball — sort of like the bubble in a water level — that helps you stay in the most fuel-efficient driving range. It’s big and green when you are conserving fuel or battery energy and smaller and angry orange-yellow when you’re not. Unfortunately, there are some standard features we’d expect to see on a car with a $41,000 price tag that are missing on the Volt, such as a power driver seat and a leather-wrapped steering wheel.

    Rear passenger space is adequate for two adults, though some families may miss the middle seat. The Volt’s hatchback design is convenient for loading cargo, but maximum capacity (10.6 cubic feet) is limited by the swooping rear roof line and the 396-pound T-shaped battery pack that resides in the trunk and between the rear seats. A Prius is indeed far more functional. We have yet to experience a final production Volt interior, so its materials quality and construction will have to be critiqued at a later date.

    For more Interior Features information, see our Specifications page.

    Driving Impressions

    The 2011 Chevrolet Volt has good acceleration from a standstill and proves very responsive at moderate speeds as well, the kind of performance that’s typical of electric vehicles. Its 273 lb-ft of torque is available any old time you plant the throttle.It is a competitive electric vehicle when driving in all-electric mode — it’s as quiet and smooth as any EV we’ve driven — and it seems a competent vehicle when the engine-generator kicks in. The change-over from battery charge to generator power can be difficult to notice, though the pre-production Volts we’ve driven do have a disconcerting generator noise level; the engine revs regardless of engine speed. But GM promises production models will be less noticeable in this regard.

    The Chevy Volt feels slightly nose-heavy when you bend it around a corner, but it makes its moves with little body roll. The brake pedal operates seamlessly as it modulates regenerative and conventional braking, which is a real accomplishment. Indeed, from the compliance of its ride quality to the weight and response of the steering, this Chevy Volt drives more naturally and feels more substantial than hybrids like the Honda Insight and Toyota Prius.

    For more Driving Impressions, Recent Articles and Car Awards from our Editors, see our Road Tests page.

    Research the 2011 Chevrolet Volt

     

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    Second Chance Auto loans: Rogers Auto Group

    A Bad Credit Car Dealer Chicago | Second Chance Auto loan

    Having bad credit shouldn’t stop you from getting the New or Used vehicle of your dreams. Rogers Auto Group in Chicago has been helping people in the Chicago Area since 1943 and plan on doing so for plenty of years to come. As an authorized bad credit car dealer, Rogers Auto Group in Chicago is one of the last car dealers accepting bad credit in Chicago, Illinois.

    When poor credit auto financing was easier, car dealers and bad credit used to go hand in hand. Now it takes work to get a loan with bad credit and Rogers in Chicago is willing to work for you. Our relationships with over 20 bad credit lenders give us the upper hand in negotiating a deal to help those whose credit is challenged, get into a car or truck that fits their needs. Rogers in Chicago usually stocks more than 500 New and Pre-Owned vehicles with access to thousands through dealer networks. Poor credit auto dealers are hard to come by and some car dealers treat customers with second class customer service. At Rogers Auto Group in Chicago, we’re different and we’ll prove it!

    Getting a Car Loan With Poor Credit is Easier Than You Think
    Bad credit car loans are quite common as nearly a quarter of Chicago Residents are credit-challenged. If you have imperfect credit, you will have little problem of getting the car you’re interested in, as several thousand bad credit car loans are issued everyday in the United States and most are done here at Rogers Auto Group in Chicago.

    Ask about our Guaranteed Credit Approval.
    Rogers bad credit car dealer in Chicago offers a better way to get a bad credit auto loan for a new or used car. Chicago, apply for car credit financing online.

    Before applying for any car loan there are a couple of things you can do to ensure that the process goes smoothly for this specialized area of car finance:

    Review your Credit History – Experts in Chicago believe you should review your credit report at least once a year to make sure there are no errors, and this is especially important if you are applying for a poor credit car loan.

    Determine How Much You Want to Pay (Payments and Price) – You should have in mind how much you can comfortably afford for your vehicle, for both a down payment and monthly payments. For your bad credit car loan, you can use our car loan calculator to help you crunch the numbers.

    Prepare Documentation – To get a bad credit car loan you may need to provide proof of employment and income. It’s helpful to have documentation in hand, such as pay stubs, in case you’re asked for it. You may not need this documentation, but this will speed up the process of getting your bad credit car loan.Rogers Auto Group, a bad credit car dealership, specializes in helping people who have been previously turned down. Each of our special finance specialists have superior knowledge about bad credit car loans for people with charge offs, no credit , bankruptcy, and everything in between.

     

    Common Questions about Bad Credit Auto Financing  

    Can I finance a car if I have a bankruptcy? The answer is a definite YES. Bankruptcy is not the end of the world. You can definitely buy a car after your Bankruptcy. One of the best ways to restore your credit is an auto loan. There are more and more loan companies that have new programs to help finance people with bad credit. An auto loan is acquired easier than a personal loan or an unsecured loan because the lender can use the car as collateral against the loan, in case the borrower ever defaults or doesn’t make the loan payments. 

    Can I finance a car if my credit score is below 500? Some sub-prime lenders will accept credit scores below 500. These new bank programs look more at the person looking for the loan as opposed solely to a credit score. Things like job and residence stability will play a factor in gaining an approval.

    Can I finance a car if I had a Repossession? Although a car repossession can damage your credit score. Finance companies have programs tailored for your situation. Finance companies understand that non-payment is not always your fault. They understand issues like job loss, mechanical failures and non-payment from an insurance loss.  

    How can I Get an Auto Loan during the Credit Crunch? You want to buy a new vehicle. You’ve determined that you can handle the monthly payments because your job and personal finances are going to be OK. But one concern is holding you back: Can you really get the auto loan you need to complete a purchase? The answer is an enthusiastic “Yes!”


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    Our Mission: Rogers Auto Group Chicago

    Rogers Auto Group: Our Mission

    The goal of Rogers Auto Group is to continue to be an industry leader in providing unmatched Automotive Sales and Service in Chicago and the metropolitan area.

    ·         We will constantly strive to meet the changing needs of our customers and the market.

    ·         Our aim is to provide an atmosphere that encourages employee teamwork, integrity and excellence.

    ·         Together we will continually improve sales, service and operational standards to ensure long term market leadership.

    ·         It is our mission to exceed our customers’ and employees’ expectations and maintain their loyalty for a lifetime.

     

    Our Philosophy at Rogers Auto Group Chicago

    Rogers Auto Group’s philosophy is based on five areas that have been critical to our business success.

    Those areas are:

    1. Customer Enthusiasm
    We believe in completely satisfied customers whom will proudly recommend us to family and friends.

    2. Employee Satisfaction
    We attract the best and they stay with us long term.

    3. Financial Performance
    We are profitable and we use our capital wisely to ensure a positive atmosphere for our employees and our clients.

    4. Market Penetration
    We simply sell a lot of everything and we do it while providing a great value to our customers.

    5. Ongoing Improvement
    Every day is a starting point from which we will improve on.

    Each area of our philosophy is of equal importance to us and is dependant upon each other. We will continually strive to reach a level of excellence in each of them. However, in any planning or decision making process, or in any situation of seeming conflict or contradiction among the five critical areas, customer enthusiasm is our top priority.

    Rogers Auto Group proudly serves the customers in Illinois, Indiana and Wisconsin and in the following cities across the Chicago metropolitan area:

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