6241 Patriot Highway Woodford, VA 22580 703-629-9371

2 Wheel Drive Trucks Vs 4 Wheel Drive Trucks

What are the advantages of owning a 2 wheel drive pickup truck?

Well, for one, it can have an overall better capability than a 4 wheel drive truck. People often mistakenly think that because a 4 wheel drive truck can go off-road, that it is more capable. But in reality, a 2 wheel drive truck can do just as much if not more with the right configuration.

Towing Capacity

If you want the most tow capacity in any type of pickup truck, choose a 2-wheel drive truck. This is because a 2-wheel drive truck has a lower curb weight, but the same gross vehicle weight rating (GVWR). This means that your payload capacity has increased because of this. A 4-wheel drive truck might give you 5500 lb payload capacity in a single rear wheel configuration, but you can go up to 7500 lb or more in a dual rear wheel configuration.

Generally speaking, the best trucks for towing are 2-wheel drive dually pickups. This is because they have more room for payload capacity and can handle heavier pin weights, which increases the total weight of a trailer that they can tow. For some people, a 2-wheel drive truck may be the best choice depending on what they are doing.

Fuel Economy

Another benefit of a 2 wheel drive vehicle is that it can get better fuel economy in some cases. You can see an improvement of up to 30% when you compare fuel economy between a 2 wheel and 4 wheel drive vehicle.

When you have a two-wheel drive configuration, it is much easier to move the truck due to rolling resistance. This is because there is less weight on each axle and there are fewer driveshafts and differentials that need to be driven. As a result, this can lead to better fuel economy as well.

Maintenance Costs

A 2-wheel drive vehicle has fewer parts that can break. This means there is less chance that something will go wrong with your car and you will have to spend money fixing it. Additionally, 4-wheel drive vehicles require additional electronics and controls, which can be expensive to maintain.

Benefits Of A 4 Wheel Drive Truck

The obvious benefit is that you can go off-road. This is the type of truck that is designed for people who want to take their vehicle camping, hiking or regularly have to go on unpaved roads. A 4x4 truck will have no problem getting through rough terrain that would stop a 2 wheel drive truck.

Traction - In poor weather conditions, a 4x4 truck will have much better traction than a 2 wheel drive. This is because the weight is evenly distributed over all four tires.

Climbing - If you need to go up a hill or incline, a 4x4 truck will be able to do it with ease.

Where going off road is not the primary purpose of the truck, it is used more in emergency situations such as bad weather or other natural disasters. When roads are closed or impassable, a 4x4 truck can provide the only means of getting around.

Resell Value

Generally speaking you're going to save by opting for a two-wheel drive version over 4 wheel drive version. However this will depend totally on the specific configuration you choose.

 

A four-wheel drive truck is a more desirable vehicle when it comes time to sell it or trade. It might have cost you a little bit more, but it is worth it in the end.

I Can See Clearly Now The Fog Is Gone

The Safe Way to Defog Your Windshield

Driving with a clear view is not just a matter of convenience; it's a critical safety necessity. A fogged-up windshield can transform an ordinary drive into a perilous endeavor, significantly increasing the risk of accidents. When visibility drops, so does your ability to respond to road conditions and hazards.

We'll dive into the science behind windshield fog and offer practical, safety-first techniques to ensure you maintain the clearest view possible. Whether you're facing the early morning chill or the humid evening return from work, understanding how to quickly and safely defog your windshield is key to a safe journey. Let's clear things up.

Understanding Windshield Fog

Why Windshields Fog Up:
Imagine your vehicle as a contained climate system. The warm air, cozy from your car’s heating system or simply from passengers, confronts the cold surface of the glass and rapidly cools down, shedding its moisture as condensation. This process results in a fine mist of droplets clinging to the inside of your windshield, scattering light and obscuring your view.

Understanding the Risks:
Compromised visibility due to fogged glass is a serious safety hazard. Inadequate visibility means you are less likely to notice pedestrians, other vehicles, and road signs in time to react appropriately. It's essential for the safety of yourself and others to maintain a clear windshield and ensure full visibility at all times.

Preventative Measures

Anticipating fog before it happens can help you maintain a clear windshield and improve safety. Here are some measures to prevent your windshield from fogging:

Ventilate Your Vehicle:
To prevent condensation, it’s beneficial to allow the interior of your car to ventilate, especially overnight. Leaving your windows slightly open can balance the inside and outside temperatures, reducing the likelihood of fog formation.

Regular Maintenance Checks:

  • Cabin Air Filters: Keep your cabin air filters clean to ensure adequate airflow, which is vital for effective defogging.

  • HVAC System: Regular checks on your heating, ventilation, and air conditioning system can help prevent fogging by ensuring it operates efficiently.

Pre-emptive Climate Control:
Before exiting your vehicle, switch to fresh air mode to expel moist air and cool the interior, reducing the chance of fogging when the vehicle is next used.

Defogging Techniques for Safety

When faced with a fogged windshield, you need to act fast, but always with safety in mind. Here’s what to do:

  1. Start Your Engine: Before driving, start your car and begin the defrost cycle to enhance visibility.

  2. Use the Defroster: Engage the defroster to warm the windshield and evaporate condensation.

  3. Adjust the Airflow: Direct vents towards the windshield and side windows to disperse the fog.

  4. Temperature Settings: Adjust the temperature to match the exterior conditions—warm to counteract cold, cool for warmth.

  5. Activate the A/C: Use the air conditioning to dehumidify the cabin and clear the fog faster.

  6. Turn Off Recirculation: Switch off the recirculation to allow dry outside air to enter the vehicle.

Safety Tips While Defogging:

  • Do Not Drive Blindly: Ensure at least partial visibility before starting to drive and pull over if visibility is impaired while driving.

  • Use Wipers: Utilize your windshield wipers to clear external condensation.

  • Window Cracking Technique: Slightly open windows to balance the internal and external climate, aiding the defogging process.

  • Manual Wiping: If necessary, use a clean microfiber cloth to manually clear the fog.

  • Regular Cleaning: Maintain a clean windshield to prevent excessive fogging.

Remember, arriving safely is more important than arriving on time. It's better to delay your trip momentarily than to drive with obscured visibility.

Choosing the Right Products

Using the appropriate products is crucial for effective defogging and safety. Here are some recommendations:

  • Anti-Fog Solutions: Opt for automotive-specific products like Stoner Invisible Glass Anti-Fog or Rain-X Anti-Fog, which prevent moisture build-up on the glass.

  • Cleaning Solutions: Use automotive glass cleaners designed for vehicle interiors that do not leave residues.

  • Cloths and Tools: Employ microfiber cloths for their lint-free and streak-free properties, and keep a squeegee handy for quick moisture removal.

Safety Considerations:

  • Test products on a small area of the glass to ensure they do not obstruct visibility.

  • Confirm that the products used do not interfere with windshield sensors or cameras, especially in vehicles with ADAS.

 

Be proactive in maintaining your vehicle's defogging capabilities. Keep the necessary tools on hand, regularly check your car's systems, and pull over if your visibility is compromised. Remember, safe driving is not just about reacting to conditions; it's about being prepared for them. Drive safely, stay visible, and enjoy the clarity of your journey.

6 Costly Car Repairs That Are Totally Avoidable

Little Mistakes That Can Lead To Big Car Repair Bills

Disclaimer: Nothing in this article should be taken as a replacement for following your owners manual or the advice of a certified mechanic. These tips are a culmination from various sources widely available on the internet.

As anyone who’s ever owned a car knows, they are a huge financial responsibility. Aside from the initial purchase price, there’s insurance, gasoline, and of course, repairs and maintenance.

While some car repairs are unavoidable, there are others that are totally avoidable if you take proper care of your vehicle. Here are a few of the most costly car repairs that are avoidable with some simple preventive maintenance.

Never Ignore The Check Engine Light

Ignoring the check engine can lead to major engine damage that could have easily been avoided had the problem been addressed immediately. There are many reasons the light comes on such as a loose gas cap, bad oxygen sensor, or failed catalytic converter.

Failing To Replace The Battery When Needed

Depending on the battery's condition, most last anywhere from three to five years. If you're still driving on the original battery that came with the car, chances are it needs to be replaced. Modern vehicles are full of electronic features that put a strain on the electrical system, and an old battery will struggle to keep up.

If your battery is drained, it will take longer for your starter to turn over. Your vehicle now draws more electricity, and the alternator kicks in to throw additional amps at the battery in order to recharge it. All those things drawing current can be affected by the spikes and lows over time.

It's easy to eliminate a lot of electrical problems by replacing the battery when needed

Not Maintaining Proper Fuel Level.

Electric fuel pumps are located in the fuel tank. Running the pump dry can damage it. The debris from the bottom of the tank will also get into the fuel filter and clog it. This will reduce fuel flow to the engine and cause all sorts of drivability problems.

If you allow the fuel level to constantly run lower than a quarter tank full, you run the risk of having  to replace the fuel pump sooner than necessary. It sounds weird but gasoline has a cooling effect on the fuel pump, and running low all the time could potentially shorten its lifespan

Unnecessary Transmission Flushes

If you know the history of your car, it may be okay to do transmission flushes just as your preventative maintenance suggests. However If you don't know the history and the car is running fine, then you might reconsider getting it done.

When you fill your car with new transmission fluid, it has specially designed detergent in it to keep a transmission clean. The issue is that it can break loose debris already present in the transmission resulting in a clogged filter. If the filter gets clogged, it will restrict fluid flow and cause all sorts of problems.

Not Using The Proper Tire Size

Whether it's a spare tire or just buying tires not rated for your vehicle, putting the wrong size tire on your car will cause problems. The spare tire is rated for a limited amount of miles and speed, so you should only use it in an emergency situation.

When you drive with mismatched tire sizes, it can cause the vehicle's differential to think that the smaller tires are slipping. It then tries to compensate by sending more power to the wheels, which can cause even more tire slippage and eventually lead to differential failure.

Kicking Ice & Sludge To The Curb

You may just do it without thinking but kicking ice and sludge off your car's bumper, fender and doors can cause cracks or damage to plastic moldings. Think about it this way. When the temperature gets below freezing plastic can become very brittle.

So if you're tempted to kick your bumper, Don't. It could easily crack and need to be replaced. The same goes for plastic moldings and door handles. If possible wait for warmer temperatures, spray it off with a high pressure water nozzle at a car wash or just gently use a soft bristle brush.

Road Trip Anyone

You Might Go On Vacation But Car Maintenance Never Should

As we enter the dog days of Summer, family vacations and long road trips become top priorities. But even if you're taking a break from your regular routine, car maintenance should never be put on the back burner.

Getting Prepared To Go

Before hitting the open road, be sure to give your car a once-over to make sure everything is in working order. This includes checking your engine oil, coolant levels, tires, and brakes.

If you're not comfortable performing these checks yourself, or if you notice anything out of the ordinary, it's always best to take your car to a professional for a thorough inspection.

Once you're on the road, be sure to keep an eye on your vehicle's gauges and warning lights. If anything pops up, don't ignore it! Pull over at the next safe opportunity and check out what's going on.

Don't Sweat or Let The Small Things Bug You

Summer is also a good time to check other items and systems in your car such as the air conditioning, wiper blades, and washer fluid levels. These are all things that you'll be using frequently during the hotter months, so it's important to make sure they're in good working order.

You never know when you might be driving and you get a heavy downpour or you have to clear away some bugs, so it's always best to be prepared.

Always Have A Backup Plan

In general we have become used to using the GPS system on our phones to get us where we need to go. But what happens if you're driving in an unfamiliar area and your phone dies or you lose service?

That's why it's always a good idea to have a physical map on hand as well as a backup plan for directions. It might seem old-fashioned, but there's nothing worse than being stranded in the middle of nowhere with no way to get home.

If you're going to be driving in unfamiliar territory or in remote areas, be sure to let someone know your route and estimated time of arrival. That way, if something does happen, someone will know where to start

And last but not least, always remember to drink plenty of water and take breaks often when driving during the summer months. Heat exhaustion is no joke, and it can happen to anyone. So stay hydrated, stay alert, and most importantly, enjoy your summer

Got The Gas Paying Blues

87 Octane Gas - Don't Knock It Until You've Tried It.

While none of the contents of this article are meant to replace your car manufacturer's recommendations or that of an expert mechanic, you just may be able to save some money on the high price of gas without noticing a decline in performance or fuel economy by using 87 Octane gas.

According to a 2019 article by Car And Driver they tested the performance of 4 cars first by filling them with 87 Octane Gas then again using 93 Octane gas.

  1. 2019 Honda CR-V

  2. 2019 BMW MF Competition

  3. 2019 Ford F-150

  4. 2019 Dodge Charger R/T

Read the full article here for all the details.

Their bottom line was:

"While Ford's EcoBoost F-150 stands out as an obvious exception, the Dodge Charger's numbers make for a tidy summary of our findings. If you buy fuel with an octane rating above the manufacturer's requirement, you're likely to feel it in your wallet more than the seat of your pants."

What Causes Your Engine To Knock?

Detonation knock is a noise you'll hear when the air-fuel mixture in the cylinders doesn't ignite properly. When this happens, it causes a pounding or rattling noise. The cause of this can be from using lower octane fuel than what is recommended for your engine, incorrect timing, or too much compression.

What Do Octane Ratings Mean?

The octane rating is a measure of how heat resistant a fuel is. This is so the fuel does not knock or ping when it is combusted. In other words, high-octane fuels are more resistant to pre-ignition and detonation.

In the past cars without modern fuel injection systems needed higher octane fuel to prevent knocking but with today's technology, most cars can run on the lower 87 octane gas without any problem.

Is There A Difference Between 87 & 93 Octane Gas?

The actual fuel is the same but the refining process for higher octane fuel is more expensive. So, if you're looking to save a few bucks at the pump, 87 octane gas is the way to go. Just be sure to check with your car's manufacturer first to see if it is okay to use.

Are You Driving Around With A Gas Guzzler?

With the average price of regular gas hitting new record highs , now might be the time to consider getting rid of your gas guzzler.

You might be surprised at how much money you can save by trading in your gas guzzler for a more fuel-efficient car.

Check out our wide selection of cars that get great gas mileage, so you can drive further for less.

Is Your Car Pulling You In The Wrong Direction

Wheel Alignment - Avoiding The Danger Signs Ahead

If you're experiencing problems with your car pulling to one side, it may be due to a misaligned wheel. A wheel alignment can correct this problem and ensure that your car drives in a straight line. Avoid the danger of driving with a misaligned wheel by getting it corrected at a reputable automotive shop.

Most people don't think about their vehicle's alignment until they experience unusual tire wear or handling concerns. However, just like any other component of your car, regular upkeep is critical to maintaining it in good working order. Here are four reasons why routine wheel alignments are essential.

Wheel Alignments Prevent Uneven Tire Wear

The number one reason to keep up with your wheel alignments is to prevent uneven tire wear. When your wheels are out of alignment, they put unnecessary stress on your tires. This can cause them to wear down faster on one side than the other. It also reduces the life of your tires and makes them more likely to fail unexpectedly.

Wheel Alignments Improve Handling

Another important reason to get regular wheel alignments is to improve the handling of your vehicle. When your wheels are out of alignment, it can make your car feel unstable on the road. This can be dangerous, especially when driving at high speeds or in adverse weather conditions.

Wheel Alignments Improve Fuel Efficiency

When your wheels are out of alignment, your car has to work harder to move forward. This extra effort means that your car will burn through fuel more quickly. In addition, drag from misaligned wheels can also cause your car to lose speed, which wastes even more fuel.

Wheel Alignments Extend the Life of Your Suspension

When your wheels are out of alignment, they place extra stress on your suspension components. Over time, this extra stress can cause these parts to wear out prematurely, resulting in a need for costly repairs or even replacement.

Regular wheel alignments are an important part of keeping your car running safely and efficiently. If you've noticed any unusual tire wear or handling problems, be sure to schedule an appointment with a qualified mechanic right away.

How To Clean Your Car - It's All In The Details!

Top Hacks To Clean Your Car Inside & Out

Does your car feel old and tired? The upholstery appears a little tattered, and the formerly gleaming windows are now…well, not so shiny. Sure, you could pay someone to clean your car &mdash —or save money by cleaning it yourself.

You can use these tried and true cleaning hacks to get your car clean, both inside and out. After researching we found some great websites that go into great detail. Be sure to visit them for more great tips

How to Clean and Restore Car Headlights

After a few years of usage, the plastic in car headlights oxidizes, causing them to become hazy and yellowish. That film can cause you not to see as well when driving at night. You can use this headlight restoration technique to clean and restore your headlights.

According to Family Handyman there is an easy 4 step process that will restore your headlights

Step 1 - Wash and Sand Horizontally

  • Wash the cloudy headlight with warm soapy water.

  • Rinse with plenty of clear water, then let it dry.

  • Then mask the area around the lens so you don't scratch the paint.

  • Soak the sheets of sandpaper in water, then start with the grit that suits your situation.

Sand in one direction.

With sandpaper, the higher the number, the finer the grit. If the headlight is just dull or yellowed, start with the 1,500 grit and work up to the 2,500 grit. If there are light scratches, start with the 1,000-grit paper.

Step 2 - Rinse and Sand Vertically

Rinse and change direction with the next grit. Keep doing this until you're finished with the 2,500-grit paper.

Step 3 - Buff the Lens with Polish

  • Wash the headlight with plenty of clear, cool water and dry.

  • Wet one corner of the flannel cloth with the polishing compound.

  • Using firm pressure, polish the headlight in a circular pattern until it becomes smooth and clear.

Step 4 - Polish the Lens

  • Allow the polish to dry, then use the clean end of the cloth to buff off any polish residue.

  • Repeat the polishing process.

  • Depending on the damage to the headlamp, small areas may still appear foggy. Try re-polishing only those spots with a polishing compound. Buff the area again and inspect. The lens should look perfectly clear!

  • To keep foggy headlights clear, wash often with a mild detergent and a soft-bristle brush or sponge, flush with plenty of water and dry.

Never clean clear plastic with wax, polish or any chemical that's not formulated for the task. And that is how to clean headlights yourself!

Credit: Family Handyman

 

How To Clean Your Car Windows Streak Free

The key to getting your car windows clean and streak free is all about the tools and techniques you use. The great news is that it's not difficult to do, and once you learn how, you'll be able to get your car windows looking amazing in no time.

  1. Use a clean, soft microfiber cloth or towel to avoid scratches.

  2. When using a cleaning solution, make sure work in small sections

  3. Start at the top and work your way down

  4. Use a quality glass cleaner

  5. Wipe in a circular motion

  6. Use a second clean microfiber cloth to dry

  7. Polish with a third clean microfiber cloth

How To Clean The Dashboard

The best things to clean your car dashboard according to DetailCentralAve are.

  • Vacuum with Attachment

  • Soft Microfiber Cloth

  • Water and Mild Soap

  • Toothbrush or Soft Paint Brush

  • Polish

To begin, use your vacuum with brush attachments to vacuum the dash. Attempt to pick up any dust or debris on the dash.

Next, take a soft microfiber cloth, dipped in water, to wipe down your dash. If the interior of your car is particularly grimy, fill a bowl with warm water and mild soap. Use this to wipe the dashboard, steering wheel, hand brake, and interior plastic of your vehicle.

Likely, it will be difficult to clean in the small crevices and vents. Use a toothbrush, soft paintbrush, or designated dash brush to gently remove dirt. Be careful so you don’t scratch the delicate parts of your car.

Once your dash is clean and dry – you can use another dry microfiber cloth to rub down the dash if needed – you can add shine by polishing it. You can pick up a wide variety of polishes at automotive parts stores. Pick the polish of your choice and put a small amount onto a clean and dry cloth, then rub the cloth over the dash. Repeat until the entire dashboard is polished. You can polish the center console as well. If there is excess polish when you rsquo;ve finished, remove with a dry cloth.

Credit: DetailCentralAve

How To Remove Dead Bugs From Your Car's Exterior

The paint on your car's exterior is delicate. When you drive, bugs hit your car and can leave behind stains or etchings in the paint. You may not notice them right away, but over time these can become more visible and difficult to remove.

To remove dead bugs from your car's exterior, start by washing the area with soap and water. Then, using a soft cloth or sponge, gently scrub the affected area in a circular motion. If the stain is still visible, you can try using a mild abrasive cleaner or rubbing alcohol. Be sure to test any cleaner on an inconspicuous area of your car's exterior first to avoid damaging the paint.

Once you've removed the dead bug stains, be sure to wash and wax your car regularly to protect the paint and keep your car looking its best.

Old Car Technology That Is Now Considered Standard

Car Technology Advancements That Make Life Easier For Drivers

Are you old enough to remember when air conditioning and powered windows were optional car features? How about when you had to manually unlock your doors? If you are, then you've seen firsthand how far car technology has come in just a few decades.

Nowadays, we can't imagine owning a vehicle without them. In fact, new cars are loaded with all sorts of tech gadgets and creature comforts that make the driving experience more enjoyable. Here are just a few of the car tech advancements that have made life easier for drivers.

Automatic Climate Control

Curbside Classic

"Cadillac released Comfort Control, the world’s first fully automatic climate control system in 1964. This system is an amazing accomplishment and a reminder of how GM and Cadillac really once were the standard of the world"

If you wanted that type of luxury you had to pay a pretty penny for it. Nowadays, you can find automatic climate control in even the most basic of cars. This feature keeps the temperature at a preset level, so you don't have to adjust it every time the weather changes.

Cruise Control

Another oldie but goodie is Cruise Control. Great for long road trips when you don't want to wear your foot out by constantly pressing the gas pedal. It also helps you save on gas. Just set your desired speed and the car will maintain a consistent speed, as long as you keep your foot off the brake.

Wikipedia

"Modern cruise control (also known as a speedostat or tempomat) was invented in 1948 by the blind inventor and mechanical engineer Ralph Teetor.[4][5] He came up with the idea due to being frustrated by his driver's habit of speeding up and slowing down as he talked."

Heated and Cooled Seats

Another comfort feature that has become standard in many new cars are heated and cooled seats. This is a welcome addition for those who live in climates with extreme temperatures. Heated seats warm you up on cold days, while cooled seats keep you cool on hot days.

Backup Cameras

Did you know that backup cameras originated in 1956? Although backup cameras have been around for years they started to become more popular in the early 2000s.

Backup cameras are a lifesaver, literally. They help you avoid accidents by giving you a clear view of what's behind you when you're in reverse.

Wikipedia

"1956 Buick Centurion concept car, presented in January 1956 at the General Motors Motorama. The vehicle had a rear-mounted television camera that sent images to a TV screen in the dashboard in place of the rear-view mirror."

If you've ever tried to parallel park in a tight spot without one then you know what a pain it can be. a backup camera can be a lifesaver.

Tuesday, May 1st, 2018 - The Day Backup Cameras Became Standard

Car And Driver

"If you’re shopping for a new vehicle and it doesn’t have a backup camera or the feature costs extra, then it was built before Tuesday, May 1st, 2018. That’s when the safety device became standard on all vehicles made for the American market."

Although backup cameras have been around for years they started to become more popular in the early 2000s.

Keyless Entry and Start

Just like other car technology , keyless entry and start has been around for a while but it's only recently that it has become standard in new cars. This feature allows you to unlock and start your car without ever having to take your keys out of your pocket.

What Car Technology Is Next To Become A Standard Option?

Here are some other options that are starting to move their way from the luxury category into the mainstream. The average car buyer may not be able to afford all of these features right now, but eventually, they may become standard.

1. Automatic braking

2. Lane departure warning

3. Blind spot monitoring

4. Park assist systems

5. Adaptive cruise control

6. Heads-up displays

One of the most popular car technology trends is the inclusion of hands-free capabilities, such as Bluetooth and voice-activated controls. This allows drivers to keep their hands on the wheel and eyes on the road while still being able to control.

Do you have a car with outdated technology?

It might be time to trade it in. You deserve the latest technology in your car – and we can help make that happen. We have a huge selection of cars to choose from, and we’ll make sure the process is easy for you.

Did It Slip Your Mind

The Importance of Maintaining Your Car

Regular oil and filter changes are a crucial part of protecting your vehicle from many issues down the road. Not only do these services protect the components within your engine, but they can also be cost-effective in avoiding expensive repair bills due to negligence.

Benefits of Regular Oil & Filter Changes

Oil plays a crucial role in keeping all components of the engine in working order, yet sometimes dirt and debris can get mixed in, creating sludge that can build up and clog the system over time. This can lead to decreased performance, misfires, and even more serious issues down the road if left unchecked.

By regularly replacing oil and filters you help keep your engine from becoming bogged down by dirt or other particles, minimizing chances of major malfunctions later on in its life span. Properly maintaining oil levels helps ensure tensions between components remain at bay since they all have a constant source of lubrication needed to function properly without worrying about excessive friction leading to seizures or other potentially catastrophic events.

What You Should Do

The optimal mileage for an oil change is typically between 3,000 and 5,000 miles however this may vary depending on the type of car and oil being used as well as environmental conditions like climate or terrain being driven on regularly with the vehicle. Checking manufacturer recommendations found in your owner’s manual is important for further clarity regarding when it is best to change out a car’s engine oils and air filters.

Are you feeling overwhelmed by all the car maintenance you have to do? Are you worried about the cost of taking care of your car? Don't worry! You’re at the right place. We can find the right car with the right price Contact us now for any questions you may have

How to Rebuild your Credit with Ellas Auto Outlet

1. Getting Your Auto Loan

This is the most important step in this process, because your loan choice will determine the success of the strategy. The type of auto loan you can get depends on your current financial situation, especially your credit. There are four choices for vehicle financing: bank, credit union, finance company and dealership.

Many people assume that with poor credit, their options are limited to dealer financing or a subprime finance company (one specializing in consumers with poor credit). However, Charles Bernath, an Atlanta, GA tax and credit expert, says that’s incorrect. “Usually, you can go to a credit union, so check out that option first,” he suggests. Bernath also states, “Only dealers and subprime financing companies benefit from their loans.” Therefore, if you can avoid them and their typically double-digit finance rates, do so.

Michael A. Wishnow, Senior Vice President of Marketing & Communications for the Pennsylvania Credit Union Association, agrees. Actually, he says, “If you have a FICO score of 600 or better, you can probably get a car loan at most credit unions at single-digit interest rates.” He adds, “However, roughly only 50% of credit unions will write loans for people with FICO scores below 600.”

Banks, while more stringent than credit unions, are still better than dealer and subprime financing. But, says Jason Jewett, Personal Banker and AVP at SunTrust Bank in Laurel Springs, GA, “You’ll need a minimum credit score of 660 and clean credit report to get financed at most banks, and your finance rate depends on your credit score and history.”

Whatever your choice, do not borrow more than you can afford. Your monthly payment should fit your financial reality. So, while you may want that dream car, your vehicle is collateral for your loan. If you can’t pay your car note, you may lose the car and further damage your credit.

In fact, says consumer credit expert and author, Beverly Harzog, “Decide before you go car shopping exactly how much you'll spend, which might keep you from making an impulsive decision and financing a car that you can’t really afford.”

And, remember, the lower your FICO score, the less you’ll be lent to begin with. “With low credit scores, you should focus on a used vehicle and expect to be financed a maximum 80% of its Kelly Blue Book value,” advises Wishnow. 

Your choice of a loan type and amount, therefore, is critical to the success of this strategy.

2. Repaying Your Auto Loan

This is the most important and straightforward aspect of this credit restoration strategy. That’s because when you get an installment loan to rebuild your credit, naturally, you must pay it back. Harzog, whose latest book is The Debt Escape Plan: How to Free Yourself From Credit Card Balances, Boost Your Credit Score, and Live Debt-Free, emphasizes that “It’s critically important to make your car loan payment on time each month.” Even a single late payment can set back your credit rebuilding strategy.

Repaying your loan on time, for at least nine months to a year, will help increase your credit score. But, you’ll also have to pay all of your other bills on time, have the right mix of credit, and not have too much debt. You must manage all of your credit well. Otherwise, this strategy won’t help, and may even hurt, your credit.

3. Refinancing Your Auto Loan

“Sometimes,” says Wishnow, “your payment is affordable, but your interest rate far too high.” This is most often true if you quickly financed a vehicle because you must have one or felt forced to accept a high interest loan because of your credit. Bernath, who has refinanced all three of his daughters’ auto loans, says, “You should refinance your vehicle loan when that happens.”

And, in most cases, while you’ll need to take specific steps, you can refinance much sooner than you think. If you got a double-digit interest loan through dealer or other subprime financing, you’ll want to refinance that loan as soon as you can.

Often, if your credit score is above 600, you can go to a credit union and refinance your loan, even if it’s immediately after getting into the bad loan. But, Wishnow says, you’ll have to become a member of a credit union.

Jewett explains that if you’ve used this approach to successfully rebuild your credit and have no negative entries on your credit report, “Once your score is at 660, you can use a bank to refinance your auto loan.”

All three credit experts agree that refinancing is both a great way to reduce the amount you pay over the loan’s life and also to reduce your monthly payment, in most cases. So, pursue that as part of this plan.

If you apply all three of these steps carefully, using an auto loan to rebuild your credit is one of your fastest and best paths to boosting your FICO score.