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What Does Certified Pre-Owned Mean?

Finance | 05/22/2023 20:53

We typically think we have two options when buying a car: buying new or buying used. But there is actually a third option that is somewhere in the middle. Buying a certified pre-owned car is a great way to get a car that is reliable and affordable. So what exactly does certified pre-owned mean, and what are the advantages?

Here’s everything you need to know about buying a certified pre-owned car.

What does certified pre-owned mean?

A certified pre-owned car is a used car that has been thoroughly vetted and repaired by a car dealership. Every manufacturer has different requirements for the cars that they buy back through their CPO program. In general they will have requirements for the following:

  • Mileage

  • Age

  • Condition

 

Dealerships have these types of requirements to ensure that their CPO cars are dependable. They will recondition the cars and make any repairs so that the cars are at a new car level in both appearance and performance. Here are some CPO program requirements from major brands:

  • Hyundai: Less than 5 years old, less than 60,000 miles, 150-point quality assurance inspection, and a clean CarFax History Report

  • Dodge/ Chrysler /Jeep/ RAM: Less than 5 years old, less than 60,000 miles, 125-point quality assurance inspection, and a clean CarFax History Report

  • Ford: Less than 6 years old, less than 80,000 miles, 172-point quality assurance inspection, and a clean CarFax History Report

  • Toyota: Less than 6 years old, less than 85,000 miles, 160-point quality assurance inspection, and a clean CarFax History Report

  • Subaru: Less than 5 years old, less than 80,000 miles, 152-point quality assurance inspection, and a clean CarFax History Report

What are the advantages of buying a certified pre owned car?

You can get a newer vehicle.

CPO programs always have age and condition restrictions on their cars. Because of this, you can be assured that a CPO car will be newer than most used cars (usually less than 6 years old).

They usually come with a warranty.

Since CPO cars are newer they will often still be under their original warranty. Additionally, CPO programs will often include another warranty, such as limited bumper to bumper warranties for the first 12 months or 12,000 miles. These warranties do vary greatly from dealer to dealer and manufacturer to manufacturer so you need to read the fine print to be sure of what is covered. While some CPO warranties extend factory coverage, others will cover different things and kick in only when the factory warranty ends. Some programs will require a deductible for repairs, while others may cover repairs entirely.

There are often added benefits. 

There are often added benefits when you purchase a CPO car, such as roadside assistance, free XM radio trial, and free oil changes for a set period of time. Many also include rental coverage should your car need servicing. Here are some benefits that specific manufacturers offer:

  • Hyundai: Special financing rates, 10 year/ unlimited mile roadside assistance, no out of pocket cost for covered repairs, 90 day trial of SIRIUSXM Radio, Hyundai Protection Plan Wrap Service Contracts, no cost cap for towing under roadside assistance.

  • Subaru: Special financing rates, 7 year/ 100,000 mile powertrain coverage, 24/7 roadside assistance, $500 owner loyalty coupon, 3 month trial of SIRIUSXM Radio, one year trial subscription to STARLINK.

  • Ford: Special financing rates, 14 Day/1,000-Mile Money Back Guarantee, 12 Month/ 12,000 Mile Comprehensive Limited Warranty, 7 Year/ 100,000-Mile Powertrain Limited Warranty, roadside assistance.

You can finance if you have the need.

When you buy a used car from a private party, you will need to have cash in hand. You may be able to secure a personal loan, but they typically will have higher rates than an auto loan and have different requirements. But when you buy a certified pre-owned car you can secure financing. CPOs typically have lower APRs than merely buying a used car from a dealer that is not in the CPO program. 

Are certified pre-owned car prices negotiable?

 

Just like when you buy a new car, you should definitely try to negotiate the price of your CPO. Some dealers have instituted “no haggle” policies, but there is usually wiggle room.

You should always focus on the out the door price when you are negotiating to buy a car. Dealers will try to get you to focus on your monthly payment or the financing terms instead of looking at the price tag, but this is meant to distract you from the total amount that you are spending.

Is a certified pre-owned car worth it?

You will need to weigh the advantages and disadvantages when looking to buy a CPO car. There are a lot of benefits to CPO cars, such as a warranty, added benefits, and financing opportunities. Perhaps the biggest advantage is that you can get a really great car that is vetted and repaired and it will be much more affordable than buying a brand new car. For example, a two year old CPO car tends to cost about 25% less than a new car of a similar model. That’s a huge savings that will allow you to get a great car without breaking the bank.

 

But, there are some disadvantages that you have to consider. CPO cars are more expensive than if you choose to simply buy a used car. This is because a CPO program will cover a total reconditioning and certification, which will run several thousand dollars more than a similar car that is not certified.

 

Additionally you will have less options overall when selecting a car that is right for you. Because of the requirements that the CPO cars must meet, it’s likely that the exact car–make, model, color, trim level, etc–will be available. This might be a dealbreaker for you or it might not, but it is a disadvantage to consider.

How can I prepare to buy a certified pre-owned car?

Buying a CPO car is similar to buying a new car. Here are the steps you should take when looking to buy a CPO car. 

Do your research.

If you have your heart set on a brand, do some research to find out about their CPO program. What are the requirements? What cars are available? You should have a good idea of what you are looking for in your future car, but having some flexibility will give you a great chance for success. You should also look into the financing options of different CPO programs. Many programs offer great rates on their CPO cars, which is another great benefit. Hyundai offers 0.9% APRs for 36 months on select cars, while Ford offers 0.99% APR financing for their “Gold Certified Vehicles.” Stopping in at a dealership and asking for more information may help you get an idea of what you want and what you can afford. You should also make a note of which benefits are offered. Some will offer free trials, some will not charge for certain maintenance services, and all of these things can help tip the scale towards one brand or another.

 

Get pre-approved.

Getting pre-approved for financing will not only give you a good idea of what type of car you can afford, but it will give you more leverage when negotiating. Many CPO programs may be able to beat your pre-approved APR, but it’s still good to have. 

 

Find the car you want.

Being flexible will help you to secure a certified pre-owned car. Finding the general car you want and being less picky about small details will benefit you greatly.

 

Negotiate what you can.

Finding out the price of other similar cars can help you to leverage a better out the door price. While dealers may point out that other comparable cars aren’t CPOs (and therefore don't come with the benefits of a CPO car) this knowledge can still help you to get a better deal. Some dealers may offer a low interest rate OR a low out the door price, in which case you will need to do the math and figure out what works out best.

 

Sign and drive.

When you iron out the details, you can finally enjoy your new car. If the interest rate isn’t exactly what you were hoping for, you can always contact Auto Approve to see if refinancing will secure you a lower rate.

That’s everything you need to know about certified pre-owned cars.

A certified pre-owned can help you get a great car for less than you would pay for a new car. If you are on a tighter budget and can’t quite afford the higher price tag, buying a non-certified used car and having it inspected by a mechanic may offer you some extra reassurance.

 

If you are overpaying on your car loan every month, contact Auto Approve! Our experts can help get you the best refinance rate possible and help you through the process. Contact us today to see how we can help!

 

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Useful Skills You Can Learn While Driving

Have you ever considered learning while you drive? Whether you want to make better use of a daily commute or are heading out on a long solo drive, if you want to learn a skill from behind the wheel, we have some ideas for you!The key to learning on the road is to choose something you can do with just audio media – and to make sure nothing you do is so engrossing that you lose focus. It’s important that you still drive safely, no matter what. Essentially, we recommend skills you can learn from an audiobook or podcast and repetitive activities that allow you to build up your knowledge or talents over time.Let’s take a look.Things You Can Learn While DrivingThe average American driver spends, according to a AAA survey, just over an hour in their car every single day. Why not find ways to be productive with all that time? Here are some things you can pick up while you drive.1. Learn a LanguageThis is probably the most popular skill to tackle in the car. Whether you’re brushing up on a language you learned in high school, preparing for a trip, trying to improve your chances at a new job, or learning just to stay sharp, there are tons of good reasons to learn a language while you drive. And, yes, while you’ll also need to supplement with written lessons, you can work on your listening and speaking skills in the car.Depending on which language you want to learn and your level, you’ll need different resources, but here are a few ideas for ways to get started:Starting from 0: Listen to podcasts that teach you the basics (for example, Pimsleur and LanguagePod101 both have podcast-based language lessons)For skill building: Listen to programs designed for language learners (for example, News in Slow is designed for people currently learning at a beginner to intermediate level to practice listening comprehension) For advanced learners: Grow your vocabulary and get closer to fluency by listening to music or news in your target language and trying to capture any unfamiliar words, phrases, or ideas2. Listen to the Sounds of NatureIf you’re interested in the natural world, you could use the time to learn things like the calls of birds local to your area. Avid birders in particular might find this interesting – and there are many resources for birders, since it’s such a popular hobby (BirdNote Daily is a good option) – but resources exist for frog fans and other animal lovers as well, dependent on your region. And there’s no reason you need to stick to your own backyard! Noisy by Nature is a kid-focused podcast that introduces the sounds of Australian wildlife (and is, frankly, fascinating for all ages).As an added bonus, nature sounds can also be relaxing, which is helpful when you’re stuck in traffic in a 20 minute slowdown.3. Write Better EmailsWhether you’re an English learner, a complete word nerd, or someone who struggled with writing in school and wants to up their email game, there are tons of great podcasts about English grammar, word usage, and how people speak. A few top recommendations include: Grammar GirlThe AllusionistVocal FriesYou’re Saying It WrongWebster's Word of the DayExpanding your vocabulary, mastering complex grammar rules, getting into the nitty-gritty of style, and discovering common malapropisms and mistakes can make you a better writer, reader, and conversationalist.4. Level Up Your Financial LiteracyThere are tons of great personal finance podcasts being made right now. 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5 Things Every Car Owner Should Know

Let’s talk about five of the essential things every car owner should know.There are tons of skills you come by naturally as you start driving. Some things you learn for your drivers license exam, some skills you pick up as you start driving. But there are a few things not everyone knows how to do that can make you a better car owner and help you feel more confident on the road.These are some of the top skills you need to take time to learn once you own a car. Let’s take a closer look.Essential Skills for Drivers and Car OwnersTake a peek at the list. Do you know how to do all of these things? Most people will have learned at least some of these skills naturally, but taking time to really master them can help you drive safer and keep your car in great condition longer.1. How to Check and Change a TireIt’s important to get to know your tires, and recognize the right tire for your vehicle. But buying the right tires is only the beginning – tire maintenance and tire changing are super handy skills for every driver. The same is true for recognizing, checking, and changing or replacing fluids like engine coolant, brake fluid, windshield washing fluid, transmission fluid, and engine oil. If you see a liquid coming out of your vehicle, being able to recognize what fluid it most likely is and whether or not it constitutes a safety hazard is key.To get you started here are the essentials of changing a tire:Find somewhere safe to park on a level, firm surface.Turn on your hazard lights.Gather your tools: spare tire, car jack, lug wrench, and your owner’s manualReview any important information in the manual about tire changes for your specific vehicle Loosen but do not remove the lug nuts (which may be under the hub cap)Position the car jack at your vehicle’s jack points based on the instruction in the car owner’s manual (sometimes marked with a notch on the chassis)Slowly raise the car with the jackFinish loosening and remove the lug nuts, keeping them somewhere you can easily find them again where they can’t roll awayRemove the flat tire and replace it with the spare, lining the spare up with the wheel studsReplace the lug nuts and gently start screwing them in by handLower the car Use your lug wrench to tighten the lug nutsPut all your equipment back where you usually keep itCheck tire pressure for all tires (you may want to go to a garage to make sure everything’s good to go and your tire pressure is even)Return to the road, driving slowly and carefully if you’re driving on a donutPracticing changing your tire a few times at home can make it much less stressful if and when you need to change one on the road.2. How to Deep Clean Your Car YourselfWhile automatic car washes are handy and typically fairly affordable, deep cleaning and detailing your car can get expensive and time consuming. Knowing how to keep your car clean and how to handle stains and wear and tear on the inside and outside can improve your driving experience. After all, according to AAA, American drivers spent an average of 60.2 minutes behind the wheel every day as of 2022. Making that space clean and comfortable can help that hour of driving feel less stressful.Plus, deep cleaning your car yourself can save you money, and some people find it meditative!Speaking of saving money…Here’s one more thing every car owner should know how to do: lower their car payment quickly and hassle-free with Auto Approve!Get a free quote to see how much you could save.3. 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10 Sneaky, Simple Ways to Spend Less Money Every Day

Whether you’re saving up for a milestone purchase or just need to tighten up your budget, saving money is never a bad thing.But too often, when we think about ways to spend less, we think about major lifestyle changes. Unfortunately, studies suggest that if you feel like you’re depriving yourself, you may be more likely to slip and return to old spending habits. That’s why we’ve compiled this list of 10 easy ways to save money that don’t require sweeping changes. Of course, there are cases where small savings won’t be enough, but making money saving tricks like these a habit can help you keep your spending in check and put more in savings to weather financial emergencies throughout your life.Here Are 10 Easy Ways to Spend LessWhile not every option will work for everyone, with these tips you can save a few extra bucks for a nice dinner out this month – or hundreds or even thousands of dollars over the course of a year.1. Opt for lower cost optionsIf you want to save a little extra cash this month or curb your monthly spending, one of the easiest things you can do is switch to cheaper options wherever possible. This can be as small as switching tomato paste or pasta brands, where you might save only a few cents or dollars at a time, or bigger changes like opting for a less expensive restaurant for date night, thoughtfully selecting subscriptions to downgrade, or shopping at an outlet version of your favorite clothing store next time you need something. Comparison shopping to find the lowest price for something can even be thrilling when you find a great deal!While you might not notice small changes like these right away, that’s exactly why they’re so smart – over time, you’ll spend less on every purchase, without feeling like you’ve made a big change.2. Watch your spending closelyFor many people, a simple change that can make a difference is just spending more time paying attention to what they’re spending and where. That means logging into your bank account more often and looking at where your money is actually going. Most people can find areas to save money just by paying more attention.If you don’t already have a set budget, this is also a great opportunity to start creating categories and setting spending limits for how much you spend in a month. Basic budgeting is never a bad idea, and can make a huge difference if you’re struggling to save.3. Pick DIY over done-for-you where you canThis tip applies broadly – wherever you can save money by doing something yourself, do it! This can mean making your meals at home, bringing a water bottle instead of buying one, picking things up yourself instead of having them delivered, having a movie night in with popcorn and snacks instead of going to a theater, and so on.Incremental changes – like still getting takeaway, but ordering it in person instead of using an app – can save you money with minimal sacrifice. Small repetitive purchases we don’t spend time thinking about can be a huge money suck when added up.Of course, you might not be able to save up a home down payment by making your coffee at home, but being selective about every spending habit can help you splurge smarter.4. Lower your car costsOur favorite easy way to save money on autopilot? Refinancing your vehicle. Most people are paying more on their monthly car payment than they need to be, thanks to dealership markups. A refinance can mean a lower monthly payment, a lower rate, or both – putting more money back in your pocket for the things that matter most.Getting a quote is easy and takes just a few clicks, no commitment required.Find out how much you could save today.5. Set fun challenges for yourselfAnother sneaky way to save money without feeling like you’re saving money is to turn it into a game or challenge for yourself. You could try eating vegetarian for a week, or take out your treat budget in cash and see how far you can stretch it. Challenge yourself to cook recipes from a specific cookbook or to make meals out of what you already have in your freezer and pantry.As well as having money saving potential, giving yourself projects – like sanding and repainting a thrift shop bookshelf or learning to patch your own clothes – can help you build money-saving skills and keep you excited and interested in low cost activities. A lot of saving money is a mental game – if you can learn to actually enjoy and want to do and try less expensive things, you can make saving money a breeze.6. Become a food waste warriorAmericans waste tons of food each year. As well as being hard on the environment, it’s a big waste of money. The good news is, becoming more conscientious about food waste can also mean spending less on food.There are tons of great resources for people who want to master zero-waste cooking, and many companies that help connect food that might otherwise go to waste to people who want it at a discount. There are several companies that offer perfectly good fruits and vegetables that grocery stores won’t sell because they’re oddly shaped or too large or too small. There are apps where you can buy deeply discounted meals and baked goods from local eateries that have extras that won’t be sellable by the next day. Some might worry that they’re taking away food from people who need it, but statistically much of that food isn’t going to find someone who wants it before it goes bad. Buying bread from a bakery on discount at the end of the day is doing a favor to the people along the food chain who worked so hard to grow the wheat, ship the flour, bake the bread, who don’t want to see it end up in a landfill just because no one will want to buy it tomorrow.7. Join a buy nothing groupBuy nothing groups have become much more common in the last 5-10 years. They’re usually location-based, so you’d join one for your neighborhood or community, and can typically be found on social media.The idea of buy nothing groups is that, often, we only need things for a certain amount of time, and don’t use everything we have every day. If your neighbor needs an extra blender for a party, you might lend her yours for the day, rather than her going out and buying one. If you have a child who’s outgrown their old clothes, you might find another mom whose child is just growing into that size to give the clothes to. This is something people do naturally anyway with those they know – neighborhood groups just expand the circle of people you can ask and give.Doing this can prevent old clothes and electronics from ending up in landfills and help everyone spend less over time.8. Revisit old favoritesSometimes, you don’t need something new – you just need to dig into the back of a closet. Rereading a book you loved in college, shining an old pair of shoes, depilling an old jacket, plugging the InstaPot back in, digging out a board game you used to love can all be a boost. And old clothes can be mixed and matched to look in style again with a little creativity. Most of us have something in the house we’ve never touched or loved once but haven’t thought about in a long time. Dusting off whatever that is for you and falling in love with it again is a great way to feel like you’re changing things up without spending a penny!9. Throw time at big purchasesDespite being at number nine, this is one of the most important items on this list. Many of the things we’ve talked about focus on small purchases. When it comes to big purchases, this is the top tip for financial experts everywhere. If you want something that will be a big purchase for your budget, do all the research you want, and then wait a month and see how you feel. If you still want it in a month – and it’s worth the cost to you, and you can afford it – then you can decide to move forward with the purchase. For expensive non-essentials, this buffer time can help you avoid unnecessary impulse purchases and help you put the cost in perspective relative to your work and other expenses. 10. Save with coupons and pointsLast but certainly not least, one of the easiest ways to save without lifting a finger is to pay attention to coupons and sales, and time necessary purchases to ensure you get the best deal on them. Loyalty programs, points, sales, coupons – making them part of your spending plans can pay off royally. Most grocery stores and pharmacies have loyalty programs, and of course there are often sales around certain holidays, but you can get even more granular, choosing coffee shops with punch cards or downloading the apps for your favorite chains.Use These 10 Tips For Saving Money To Simplify Spending Less We’ve all heard the old adage, “a penny saved is a penny earned.” Some of these tricks might seem small, but add them up and you’ll be saving a pretty penny in no time.Start now by finding out how much you can save on your auto loanWhen you refinance your vehicle with Auto Approve, you get personalized help to make sure you find the best deal for you. And once you choose your new loan, we do the paperwork for you, meaning you save not just money, but time too.Get your free quote now.
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