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Summer is nearing its end with many parts of the country already heading back to the classroom. But while the weather is warm and the days are long there are still ways we can enjoy the summer and make every minute of sunshine count.Here’s our last minute guide to enjoying the rest of summer.Go swimming.If you have a pool, chances are you have been enjoying it all summer. But if you don’t have a pool there are still plenty of ways to get some splashing in! Lakes and swimming holes can be found in many states, and if you aren’t lucky enough to live within driving distance, your community pool (or a neighboring community pool) can give you some reprieve from the heat. Go out for ice cream.What says summer more than an ice cream cone? Hitting your local ice cream shop for a cone is one of the best ways to keep summer going. If you have a bit more time on your hands, check out a new spot you haven’t been to before. This Thrillist article ranks the best 40 in the country, but if you don’t happen to live near one of those there are most likely dozens of options within driving distance. More of a do-it-yourselfer? Try making some ice cream at home! It’s really easy and doesn’t require many tools, contrary to what many people think. Try a device-free day.This is great for kids and adults alike. After all, who couldn’t use a break from emails and social media? Block out a day where there’s no TV, no computers, and no phones, and try to enjoy a tech-free day. Have a dance party in the living room, cook a meal with your family, go for a walk, break out the crafts–whatever you want! Just be sure to hide the remotes and screens. This will only work if adults participate whole-heartedly and keep the family engaged (this means no sneaking off to check messages while the kids are playing!)Go on a field trip.Field trips in school are always a blast, but taking your family on their own field trip can be even better. Decide on a fun and educational destination, such as an aquarium, planetarium, or even a farm that allows visitors. You can learn a thing or two while enjoying some quality family time. Going out for a fun lunch or dinner (or just ice cream) can put the cherry on top of a great family day. Want to get really into it? Have your kids design matching t-shirts that you can wear and have them draw maps and itineraries for everyone in the family. Planning for your field trip can provide a full day of activities in and of itself! Have a family game day.Game days at home can provide the perfect relaxed summer activity. Have everyone pick their favorite game and be sure to play them all. Make some lemonade, sit out in the backyard (or just set your living room up picnic-style) and enjoy a laid back day free of running around and screen time.Go to a waterpark.If you haven’t had the chance to go to a waterpark yet, now is the perfect time. You may need to turn it into an overnight trip if it’s not within an easy driving range, but it’s a perfect getaway for kids of all ages (and adults!) If a waterpark isn’t in your budget, set up your own waterpark at home and recreate the fun in your backyard. A sprinkler, splash pad, and slip and slide are more than enough to bring smiles to your family’s faces. Make some fun drinks, set up an obstacle course, have some friends over to join in on the fun. The options are endless and you don’t have to break the bank to have some fun. Take a trip to the movies.In the age of streaming, going to the movies is a foreign concept for many. But catching an afternoon matinee is a fun way to spend the day and get out of the house. Matinees are also cheaper than evening shows, so it's the perfect time to see that movie you’ve been talking about all summer. Try a craft together.Crafts are fun for kids and adults alike. There are endless options and they can be as simple or as complicated as you would like! Let your kids pick their favorite ideas from Pinterest and see what you can create together. It’s a great way to introduce your kids–and yourself–to a new skill while spending time together. The summer is the best time to craft with kids because you can do it outside and avoid a messy cleanup afterwards. Activities like painting and coloring can be far more enjoyable if you aren’t worried about ruining your carpet and your furniture.Go camping in your backyard.Setting up a tent and sleeping under the stars with your family is another fun way to enjoy the beautiful weather. Act as if you are far from home–that means be sure to pack everything you will need and bring it outside so that you can avoid running inside as much as possible. Start a fire, toast some marshmallows, and tell some scary stories. Wake up to the sound of birds chirping and bask in the beauty of a summer morning. No backyard to stake out in? No problem! Set up a tent in your living room and recreate the experience indoors. Get some glow in the dark star stickers, open up the windows, and tell stories by flashlight (avoid the open flames while indoors, please). It will be a night to remember for your whole family.Take a road trip.It’s not too late to take a road trip and make some memories. Whether it’s a one-day excursion or you want to stretch it a few days, a road trip is a wonderful way to connect with your family while seeing some sights. Pick some good music or agree on a podcast or audiobook, open the windows (or crank the AC if it’s a bit too warm) and enjoy the scenery as you drive to your destination. The destination is up to you, whether it’s just a park you’ve wanted to visit or an event you’ve been scoping out. But enjoy the trip and not just the destination. That’s how you can enjoy the final days of summer.The summer is always gone before we know it, but we can still squeeze a little more fun out in our remaining few weeks. And if you’re trying to squeeze a little more out of your budget each month, get in touch with Auto Approve today! Refinancing your car loan can save you a lot of money, and who couldn’t use that? GET A QUOTE IN 60 SECONDS

For most of the United States this summer has been brutally hot. Dealing with the heat can be uncomfortable and even dangerous for many, including our cars. The heat can bring a lot of unwelcome issues, so it’s important to try to head off any problems before there is a larger issue. Here are our top five tips for driving in the summer heat.Tip #1: Check your fluids. There are a number of fluids that are vitally important to keeping your car running smoothly. While replacing and topping off these fluids is always important, it’s even more important to do so in the heat when your car is under even more stress than usual. These fluids will also evaporate in the heat, making them disappear even faster. Be sure to keep an eye on the following fluids and top them off as needed:Motor oilCoolant (antifreeze)Power steering fluidBrake fluidTransmission fluidWindshield washer fluid If you tend to be forgetful with this type of stuff, set a reminder in your phone to check every few weeks or stop by your trusted mechanic to have them monitor everything. It may be a good idea to keep coolant in your trunk if your car’s engine has overheated in the past. Tip #2: Maintain the cooling system.Your engine’s cooling system keeps your engine running smoothly. Coolant is circulated through the engine block where it absorbs heat and then moves the heat out of the engine, cooling everything down. While keeping the coolant topped off is an important part of maintaining the cooling system, there are other steps that you should take to ensure the cooling system is running optimally. Be sure you are using the right type of coolant. Coolant is specific to your make and model, and using the wrong one can cause serious problems for your engine. You should also be sure to never mix different types of coolant as this can cause complications as well.Inspect the hoses and connections regularly to check for leaks. If the coolant is leaking out and unable to circulate properly, your engine can overheat. Change old coolant as recommended in your owner’s manual. As coolant ages it can turn acidic and corrosive, which means it can eat away the aluminum in your radiator.Read your owner’s manual to see when you should have your system serviced professionally.Tip #3: Maintain your car’s air conditioning system. Your car’s air conditioning system not only keeps you comfortable, but it keeps you and your passengers safe and healthy. High temps in the cabin can cause a dangerous health episode for anyone inside, especially the elderly. Heat stroke and dehydration can happen even when you aren’t doing physical activity. But your air conditioning can help avoid danger even in the sweltering heat. Here's how you can keep your car’s air conditioning in top shape:Change your cabin’s air filter regularly. The air filter keeps dust and debris out of your cabin, and which can help keep your air conditioning running more smoothly. Additionally clean air can increase your fuel efficiency and keep your cabin smelling fresh.Have it serviced when you notice an issue. Air conditioning units are complex, so it's recommended that you get it serviced professionally. In general you can expect to recharge your air conditioner every two years or so.Listen for any noises coming from the air conditioner. Noises can signify an issue with your car’s air compressor. Recognizing the warning signs could help you fix the compressor or replace it before you are left with no AC in the extreme heat.Take care of your air conditioner throughout the year. Running it for at least ten minutes every week, even in the winter, can help ensure that it will start up when you need it.Tip #4: Check your tire pressure.  Temperature has a huge impact on your tire pressure. Air is affected greatly by temperature, and as air heats up it expands and changes your tire pressure. A change of 10º Fahrenheit can cause your tires to gain or lose one PSI (pound per square inch). While your tires can withstand changes throughout the day, a drastic increase of 20º or 30º could mean that your tires are overinflated by the end of the day.It’s recommended to keep a tire pressure gauge in your car (you can pick a cheap one up and leave it in your glove compartment) and check it when there’s a big temperature swing. You can check the recommended PSI for your car in the user manual or in your car’s door jam. When tires are underinflated, more of the tire’s surface comes into contact with the road. Underinflated tires can cause the following problems:Causes your car to feel sluggish.Lowers gas mileage (about 0.2% for every PSI drop).Decreases the lifespan of tires.When tires are overinflated, less of the tire’s surface comes into contact with the road. Overinflated tires can cause the following problems:Makes them more vulnerable to damage.Distorts the tire and causes them to bulge and wear more in the center.Can lead to a tire blowout, which is a major safety concern.You should monitor your tires year round, paying attention not only to the inflation, but also to how the treads are wearing. Replacing your tires or getting your alignment fixed can help you stay safe on the road in any temperature. Tip #5: Be prepared.Unfortunately, bad things happen even if we try to avoid them. But being prepared for an emergency can save your sanity. In the summer be sure to have the following essentials in your car in case you break down or find yourself stranded somewhere:Bottled WaterNon-perishable snacksJumper cablesFirst aid kitRoad flaresFlashlight (and batteries)Cell phone charger If an emergency arises, you want to be sure you have what you need either to fix the problem yourself or get safely somewhere to have the problem solved. Having a charged cell phone and a list of emergency contacts is also important, especially if you are driving with children in the car.What should I do if my car overheats? In the severe heat, engine overheating is a very real concern. There are a few telltale signs that your engine is overheating: You notice a strange, almost sweet smell (the smell of antifreeze)The engine temperature gauge starts spikingThe check engine light or temperature light comes on Steam and/or smoke starts coming from underneath the hoodIf you notice any of these signs, it is important to follow the steps below to stay safe and avoid further damaging your car.Turn off the air conditioning and turn on the heat. Turning off the air conditioning will reduce the strain that the engine is experiencing. And while it may sound weird, turning the heat on will help divert heat away from the engine and help it cool down. Pull over and wait.You need to give your car a break as quickly as possible. Pull over at the first safe spot you see and turn your engine off for at least 15 minutes. This will give the engine a break and allow it to cool down naturally. Do not ignore the signs that your engine is overheating. Even though your car still may be running, continuing to drive can cause major damage to your engine.  Add coolant if possible, but only after waiting.If you have coolant on hand, topping it off may help cool the engine down and prepare further damage. But do not pull over and add the coolant immediately. The engine is extremely hot and opening the hood can result in a severe burn. Instead, wait 15 minutes and cautiously open the hood when things have cooled down.  Assess the situation.If you are able to start the engine and feel that it is no longer actively overheating, you can drive your car slowly and cautiously to a mechanic. Keep an eye on the gauges and engine temperature and pull over again if the heat starts creeping up. If the car is not starting easily or it seems to be smoking more, call a tow truck and have a mechanic look at it immediately. Your mechanic can help assess the damage and determine what next steps you should take. That’s everything you need to know about driving in the extreme heat. The summer can–and should–be full of fun. But car trouble can turn a fun day at the beach into a nightmare in a matter of seconds. Being prepared and keeping your car well maintained can help reduce the chance of a problem. If your car troubles involve your car payments, Auto Approve can help! Refinancing your car loan can help you save money every month, and who couldn’t use that? Our experts can get you a free quote in a matter of minutes and help you decide if refinancing is right for you. So don’t wait!GET A QUOTE IN 60 SECONDS

When buying a car there are a number of additional expenses that we will be required to pay on top of the vehicle price, and one of those expenses is sales tax. Whether it is new or used, sales tax is required by most states and should be factored into your car buying decision. Here’s how sales tax works when buying a used car.What is sales tax?Sales tax is a percentage-based tax that is imposed on goods and services. In the United States sales tax is charged and collected by the states. What goods and services are taxed depends on the state where the purchase is made. There are some exceptions to sales tax that broadly include:GroceriesPrescription medicines and certain medical devicesSales of items paid for with food stampsSales to the US government In general most retail items that you purchase, including buying a new or used car, requires that you pay sales tax.How much is used car sales tax?Sales tax varies widely from state to state. If you are lucky enough to live in one of the five states where there is no sales tax–Alaska, Delaware, Montana, New Hampshire, or Oregon–then you will not be required to pay sales tax when buying a used car. For the remaining 45 states the sales tax ranges from 2.9% (in Colorado) to 7.25% (in California).  Some jurisdictions have local sales tax requirements as well. For example, while Alaska has no state sales tax, certain areas have a local sales tax. It is important to note that sales tax is paid in the state where the car is registered, not necessarily the state where the car is purchased. There are eight states that allow nonresidents to register cars: Delaware, Indiana, Kentucky, Maine, Massachusetts, New York, North Dakota, and Pennsylvania. But this can create issues down the line when you insure your car, as you need to register and insure in the same state. It’s much simpler to register where you live and avoid the hassle.How can I calculate used car sales tax? Sales tax on a used car is based on the price of the car. A dealership will calculate this for you, but if you are buying from a private seller you may need to do the math yourself. To calculate the sales tax you can take the following steps.Convert your state’s sales tax to a decimal by dividing it by 100. For example, if your state’s sales tax is 6%, 6 divided by 100 is .06.Multiply the sale price by the decimal. If you are trading in a car at the dealership, you may be allowed to deduct the amount of the trade-in from the sale price in certain states. This means that you would only have to pay sales tax on the difference between the price of the new car you are getting and the car you are trading in. This is not the case if you sell your old car privately or do a trade-in at a different dealership. Do I have to pay interest on sales tax?Sales tax is a separate fee from the sales price. When lenders decide how much credit they will extend to you they evaluate the LTV (loan to value ratio). The value is based on the sales price of the car excluding taxes and fees. LTVs typically hover around 90%, meaning that if the sales price of the car was $30,000 they would loan you around $27,000. You would need to pay at least $3,000 out of pocket as a down payment, plus any taxes and fees. It is possible to get a higher LTV if you have great credit, and you could then roll your interest and fees into your car loan. If you roll over your sales tax into your loan then you will be responsible for paying interest on it. It is more common however to make a down payment that comprises 10% of the car’s value, the sales tax, and the fees. This will also help your loan from becoming underwater, meaning you owe more on your car than the car is worth.  Who pays sales tax when buying a used car from a private party?Buying from a private party can be beneficial for many reasons:You can usually find a better price.You don’t have to worry about upsells. It’s usually less of a time commitment.You may have more bargaining power.But buying a used car from a private party does not mean that you can avoid paying sales tax. It is still the responsibility of the buyer to pay sales tax in the state where the car is registered.Can I avoid paying sales tax on a used car?Unfortunately you cannot avoid paying sales tax unless you live in a state where there is no sales tax. Registering your car in a nearby state where there is no sales tax may seem like a way to avoid this, but your insurance and license need to match your registration. So in short, it’s not a good idea to attempt registering in another state. Sales tax is merely an unavoidable cost that you will need to account for when buying a car.How can I get the best car loan? Whether you are financing a new or used car, there are a few steps you can take to ensure that you get the best car loan deal possible. Research the car you want.Be sure to look around at a few different dealerships and compare prices. Looking at Kelley Blue Book or Edmunds can also give you an idea of a fair sale price. Prepare your finances.You will get the best car loan possible by ensuring that your finances are in order. Request a copy of your credit report to review for any errors before applying. Research lenders. You should apply with a few different lenders (we recommend 3-5) to give yourself the best chance to compare and get a good loan. You should get preapproved before ever setting foot in a dealership, as this will give you a leg up on negotiating and help ensure you don’t get talked into an unfair loan. Negotiate at the dealership.A good sale price will help you get the best car loan rate and deal possible. Try to negotiate on the sale price as well as on the extra fees that are tacked on. That’s everything you need to know about paying taxes on used cars.Sales tax is unavoidable when it comes to purchasing a car, so be sure you factor it into your car buying decision and include it in your budget.If you are overpaying on your car loan, contact Auto Approve today to see how much money you could save!GET A QUOTE IN 60 SECONDS

If you are planning on buying a new car, there’s a good chance that you will need to finance at least part of the purchase. Financing allows you to borrow some (or all) of the money for a large purchase and pay it back to the lender over a set period of time. Lenders will charge you interest, which is essentially the fee for borrowing money. So how do interest rates work on car loans? Let’s talk about how interest rates work on car loans.How do car loans work?Car loans are very simple in principle. If you want a car that you cannot afford, a bank will loan you the money to purchase the car. You will get to take the car home and drive it as if it’s your own, but it is technically an asset of the bank. When you pay back the money that you owe your lender, plus the interest that accrues over the life of the loan, the bank will sign the title over to you and you will officially own the car.What is an interest rate?Interest is the cost of borrowing money from a lender. There are three different types of interest rates which are all calculated in different ways. Simple interest (also known as regular interest) is based on the outstanding principal. Example: You borrow $1,000 with a 5% annual interest rate, you would pay $50 per year in interest.Accrued interest accumulates and is unpaid until the end of the payment period.Example: Every month you are required to pay $60 in interest. Every day you accrue an additional $2 in interest and when you hit the $60 interest total the payment is due.  Compound interest is paid on the total of the principal and the already accrued interest. Example: You borrow $10,000 with 5% interest and have $200 in accrued interest. Your annual interest would be $510: ($10,000 + $200) *.05How do car loan interest rates work?Car loan interest rates are almost always simple interest rates. A borrower is offered one fixed rate for the duration of their car loan. As the borrower pays down the principal, the amount of interest that they pay decreases until they have paid the loan back entirely. In some cases lenders may use precomputed interest. This means that at the start of your loan they determine how much you will pay in interest and your payments will be divided evenly. If you pay off your loan early, you will still be required to pay the predetermined interest, so you will be unable to save money as you would with a simple interest rate.Is APR the same as interest rate?When it comes to car financing, the terms “APR” and “interest rate” are often used interchangeably. But this is not correct and they are not actually the same. The interest rate is the cost of borrowing the money, while the APR (or Annual Rate Percentage) is the interest rate plus any additional loan fees for which you are responsible. These fees, also referred to as “prepaid finance charges” can vary widely from lender to lender. They typically cover costs associated with underwriting their loans and doing the necessary paperwork. What factors affect the interest rate you will be offered?The car loan interest rate that is offered will be based on a number of different factors, including the market rates and the credit worthiness of the applicant. Here are some of the factors that affect the interest rate offered:Your credit scoreYour credit score is the biggest factor that is within your control when it comes to what interest rate you will be offered. Your credit score is an indicator of how likely you are to make on-time, full payments every month. The better your score is, the better candidate you are for a car loan. The best interest rates will be offered to applicants with strong credit scores.Your debt-to-income ratioYour debt-to-income ratio is another huge indicator of how likely you are to repay your loan. If you have a lot of debt compared to how much money you make, you are considered less likely to repay your loan. The market conditionsThe credit score you are offered will also be based in part on the prevailing rates at the time. If interest rates are high in general you can expect to be offered a higher rate than at other times.The vehicle you are buyingThe vehicle you are buying will also impact the interest rate you are offered. The most important factor is the age of the car. The older the car is, the higher the interest rate will be.Your down paymentThe size of your down payment will also have a large impact on your interest rate. The larger your down payment is, the less likely your loan is to become underwater (meaning you owe more money to your lender than the car is worth).The loan termA longer loan term will generally mean a higher interest rate. It will also mean that you will pay more interest over the life of the loan because you will be paying interest for a longer time. Your monthly payments will be lower because they will be stretched out over a longer period of time, but you will (quite literally) pay for this in the long run.How can I get the best car loan interest rate?Securing a low car loan interest rate will mean big savings in the long run, so it’s important to do your research and prepare as much as possible when buying a car. To get the best car loan interest rate possible, prepare by doing the following:Work on improving your credit score.Request a copy of your credit report and review for any errors. Pay down debts where you can, focusing especially on loans with high credit utilization ratios.Save additional money so that you can make a more sizable down payment.Get preapproved before heading to the dealership.Apply with several lenders (3-5) so that you can compare the offers.Avoid selecting a long repayment period if you can. Be sure that the car you are purchasing will fit into your budget.That’s everything you need to know about car loan interest rates.If you are planning to buy a new car it is important to understand how car loan interest rates work and how you can get the best rate possible. If you already have a car loan and are unhappy with your current interest rate, contact Auto Approve today to find out how much car loan refinancing can save you!GET A QUOTE IN 60 SECONDS

If you have a disability, driving may feel like a daunting task. But it’s important to keep in mind that you are not alone. After all there are more than 25 million people living in the United States with a travel limiting disability. But manufacturers today are taking great steps to become more accessible and more inclusive so that drivers of all types can use and enjoy their vehicles. Here’s how you can find the perfect car for you that is equipped with any equipment you may need.Here’s how to find the perfect car if you have a health condition or disability.Can I drive with a disability? You can absolutely drive with a disability, and this right is protected by the Americans with Disabilities Act. A Department of Motor Vehicles cannot deny a driver's license based solely on a person’s disability. Drivers may need to make modifications to their vehicles to make their car safe and they must alert the state of their disability, but if you have a health condition or impairment you are still legally able to drive. You should always get the ok from your doctor beforehand though to ensure your health and safety.  If you are driving with a disability for the first time, it’s important to safely determine what you will need help with and what facets of driving may pose an issue. Taking a driving class will help ensure you have the tools that you need to drive safely. You will need to take practice and take your test with a modified vehicle and your DMV may need time to secure the correct car. Getting some experience behind the wheel of a converted vehicle will help you feel more confident in your driving and also help you determine what type of vehicle and modifications you will require. What adaptive equipment does my new car need? Buying a new car that is specifically designed for you may cost you a significant amount of money. But it is hard to beat the technology that today’s new cars offer. Many car manufacturers have teams that can meet with you, assess your needs, and help get you into a car that is safe for you to drive. These experts will assess the following: VisionHearingJudgment and decision making skillsProcessing skillsMuscle StrengthCoordination and reactionMedical historyAbility to get in and out of the vehicleAbility to operate the vehicle with adaptive equipmentSafety habitsStress management By assessing all of these factors they can help you determine which adaptive equipment makes sense for you. They will then help you determine what type of vehicle will work best for you: a car, SUV, van, or truck. Vans usually allow for the most amount of modifications and will be a great option for many people. New cars may feature the following adaptive features:Seat belt adjustmentsRampsSafety barsSafety strapsSwivel seatsHand controlsWheelchair liftsWheelchair securementsAnd more When dealerships determine what modifications to make to the car, they will install them so that your car is complete and ready to go when you pick it up.  Another advantage of buying a new car is that it is equipped with the latest technology. Not only will this technology keep you safe while you are driving, but it can even help monitor your health. Mazda is working on their Co-Pilot technology which monitors your health and will take over driving if your health declines rapidly. It will pull you over safely to the side of the road if you suddenly suffer an incapacitating crisis such as a seizure, heart attack, or stroke.  The price tag on a new van with advanced accessibility features can be quite high. For example, a new, full size wheelchair accessible van will run you north of $120,000. There are grants, loans, and funding that can help you pay for these vehicles, but it will still cost you a pretty penny. For many people, modifying a car that they already have will make more sense financially and be a more practical option.How do you modify a car for a disabled person?If you are looking to modify a car to drive with your disability, it can be a more affordable option. Your vehicle will need to qualify as an adaptable vehicle, so do some research beforehand to determine if your car can be modified to accommodate your needs.  The same modifications listed above for new cars can be made to existing vehicles, so long as the vehicle is capable of medications. If you are not buying a new car you should still consult with an occupational therapist to determine what modifications you should make to your vehicle. They can do an assessment of your health and skills and determine the best features you should add to your car. They can also recommend a reputable installer for these modifications. Having your car modified is still not cheap. Modifications can easily cost over $80,000 depending on what you need to have installed.How can I pay for modifications?If you need to have modifications made to your vehicle to make it accessible and safe to drive, there are grants that can help you pay for the added expenses. In most cases your medical insurance will not cover the expenses associated with modifying your vehicle. Your car insurance will also not help cover the cost of modifications. It will be up to you to apply for grants that can help you make the modifications necessary.  US State GrantsYour state will most likely offer some grants to help pay for vehicle modifications. They are usually funded by state veterans associations and accessibility advocate groups.  US Federal GrantsYou may be eligible for a federal grant for your vehicle modification as well. If you are a veteran, the Veterans Administration offers tax free funds of $22,355 for former service members in need. If you are on Medicare Part B you may have up to 80% of necessary medical equipment covered.  Private GrantsYou may also be able to apply to private organizations for a grant that will help cover your expenses. There are many organizations out there that can help you with funding, but it is recommended that you reach out to them directly to ensure that you qualify and that you apply correctly. Some grants may require that you reside in certain states or have certain qualifying health issues. If you do qualify for a grant, be sure to get the amount they will fund in writing before you buy your new vehicle or make modifications. Certain grants will stipulate that the money may only be used for modifications and not for the purchase of a new car. Here are some of the grants that are available nationwide.  The Alynn Family FoundationBrighter Tomorrow GrantBryon Riesch Paralysis FoundationCenter On Technology And DisabilityHelpHOPELiveJoni And FriendsJoseph S. Bruno Charitable FoundationKya’s KrusadeThe Malone Family FoundationMuscular Dystrophy AssociationNational Organization For Vehicle AccessibilityRESNA Catalyst ProjectSpecial Kids FundSpinal Cord Opportunities For Rehabilitation EndowmentThe Reeve FoundationVocational RehabilitationLoansThere are also loans available to help you buy a new car or modify your existing car. These mobility vehicle loans can help you borrow additional money that will allow for not only a new car, but a new car with the proper accessibility modifications. Bank of America and IMS are just two of several banks that provide loans for modifications. That’s what you need to know about buying a car with a disability. Driving with a disability can feel daunting at first, but there are many pieces of accessibility equipment that can make driving safe, comfortable, and enjoyable. But it’s incredibly important to make sure that you have an assessment from an occupational therapist to determine the safest way for you to drive. They will have the resources to guide you through getting the proper equipment and can even help point you in the direction of grants and loans to help you pay for it all. Carmakers are working hard to get autonomous driving cars on the road. They have long hailed this technology as an equalizer that will allow people of all abilities to get around safely. While this will hopefully happen in the future, people with disabilities will have to depend on the equipment available to them now to get around safely. If you are drowning in car payments, call Auto Approve today to see how refinancing can help you! Our experts can determine if you qualify within minutes and help you through the application process. The result? A lot more money in your pocket every month. But don’t just take our word for it. Our 4.6 out of 5 rating on TrustPilot and A+ rating from the Better Business Bureau tells you that we get results.So don’t wait–contact Auto Approve today and start saving!  GET A QUOTE IN 60 SECONDS

Technology is advancing at an incredible speed. When we think of futuristic cars, we often think of the flying cars that zoomed around in episodes of The Jetsons. But what does the future of cars look like now as we stand in 2023 and look ahead 25 years? Here’s what cars will look like in the not too distant future of 2050.What is the next technology for cars? Automotive technology is largely centered around vehicles becoming more electric, more connected, and more autonomous. New cars will need to focus on becoming less dependent on fossil fuels as new rules and regulations are quickly imposing emissions bans. The cars of the future will allow us to drive, or simply ride as passengers, in comfort and in style.What will cars look like in 2050?Cars will be autonomous.By 2050, cars will almost certainly be self driving and powered by AI. Experts in the field of embedded technology predict that autonomous driving will create $300 to $400 billion in revenue in the next ten years. While this technology still makes many people nervous, studies have found that over 94% of car accidents that occur globally every year are caused by human error. While the numbers are still out on how many accidents would be caused by automated vehicles, there may be some significant safety advantages to autonomous driving. Avatars will drive us and we will immerse ourselves in whatever we choose.Many tech experts envision AI generated holograms that will serve as drivers for us. These avatars will look like people and be able to interact with us as if they are human. While they chauffeur us around, passengers will be free to do whatever they like. If you prefer a quiet time to catch up on work, the technology will be there to support you. Manufacturers are already showcasing 30 inch display screens with 8K  resolution. If gaming is more your style, engaging in VR during your commute will be hassle free. Headsets will be a thing of the past as holograms project your game all around you, allowing you to immerse yourself entirely in entertainment. If relaxation is what you are after, your car can easily transform your car into an immersive oasis. The cars may be flying.While it’s probably unlikely that most cars will be airborne by 2050, the technology will almost certainly be there. Morgan Stanley has predicted that the flying vehicle industry could be worth $1.5 by 2040. As of now there are no flying cars in production, but there have been several prototypes and in 2021 the first consumer flying car showroom opened its doors in Los Altos, California. In July 2023 a California startup by the name of Alef Automotive received certification from the Federal Aviation Administration to test a fully electric vehicle that both fly and drive on standard roads. Everything will be connected.Today's cars are connected to nearly everything, but the cars of the future will be connected to absolutely everything. A key component of autonomous driving is that these vehicles are constantly fed information. Cars will be connected not only to weather services and service stations but also to road signs, other vehicles, and buildings. While the technology for these connections exists, the infrastructure does not exist yet. By 2050 our world may be more equipped for this type of connectivity.Our cars will be whatever color we choose, whenever we choose.In 2022 BMW showcased a new color changing paint that will allow you to change the color of your car, and possibly create a pattern, by simply pressing a button. While the colors are currently limited to black, white, and gray, this will most likely expand and allow people to personalize their car based on not only their personality, but their mood on any given day as well. The paint uses millions of microcapsules that when negatively charged become white and when positively charged become black. The durability of this paint is also unknown at this point, but the concept and technology are incredibly exciting to the future of car exteriors.  Our cars may display advertising on the outside while allowing occupants to look outside.Nextgen Nano has recently made a breakthrough in transparent OLED technology which will allow screens to work like two way mirrors. Passersby may only see an advertisement for something when they look at your window, while you will see everything outside. This shape shifting glass may be used for glass buildings, buses, trains–anything really. Shape shifting glass also means that information can be displayed in front of you while you are driving, giving you vital information while not requiring you to take your eyes off the road.Will all cars be electric in 2050?By the time 2050 rolls around, most experts predict that gas powered cars will be receding into the past. While the exact number of electric cars on the road varies depending on who you talk to, it is generally agreed that as electric vehicles become more affordable and the infrastructure for it becomes more substantial, electric vehicles will take over. In August 2022 California enacted ACC II (Advanced Clean Cars), a vehicle sales standard that will require all cars sold will have zero emissions by 2035. This law is seen as a roadmap to zero emissions that other states are encouraged to enact so that we can all live in a cleaner world. Seventeen other states–New York, Massachusetts, Vermont, Maine, Pennsylvania, Connecticut, Rhode Island, Washington, Oregon, New Jersey, Maryland, Delaware, Colorado, Minnesota, Nevada, Virginia, and New Mexico–have enacted legislation to help cut emissions, but only five of these states have embraced the strict requirements that California has in place.  If the remaining states enact stricter laws in the next few years, many believe that 75% of cars in 2050 will be electric.  But while the switch to electric cars is being supercharged, it is not without its problems. There are significant disadvantages that may slow down the transition from gas to electric. The following issues will need to be addressed before an electric switch will make sense.Electric vehicles require about 6x more critical materials than conventional cars.The recycling industry is not efficient enough.There is low compatibility with wind and solar.New technology will require more energy to fuel it.The infrastructure for charging stations needs a massive upgrade.Current electric vehicles are expensive. While the cars of the future will be electric, there are significant challenges to overcome. But with technology advancing at this pace, it’s not hard to imagine a future of all electric, autonomous, AI powered cars.That’s what cars will look like in 2050. If you can't look to the future because your current car payments are weighing you down, contact Auto Approve to see how much money you could save by refinancing!GET A QUOTE IN 60 SECONDS

Cars today rely heavily on computers, and while the idea of hacking a car may seem like a plotline out of a heist movie, it’s quickly becoming a reality. Modern cars are susceptible to cyber attacks in the same way that our phones and computers are, and that’s because modern cars are essentially computers on wheels. But how can cars be hacked and what can we do to protect ourselves?Here’s how your car can be hacked and how you can protect yourself.What parts of our cars are controlled by computers?Cars today are controlled largely by ECUS–electronic control units–that all have different functions. Each ECU has a specific job, whether it’s to monitor the temperature of the engine or unlock the doors. Here are just some of the computer systems that keep our cars functioning according to GlobalSpec: Airbag Control Modules: Passive safety device that inflates the airbags when there is a collision. Body Control Modules: Regulates body electricity including wipers, horns, and lights. It may also help the car’s entertainment system.Engine Control Modules: Regulates the performance of a car engine. Includes igniting the spark plug, injecting fuel, and cooling the engine.Electronic Brake Control Modules: Adjusts braking on ABS braking systems and helps prevent the wheels from slipping or locking.HVAC Control Modules: Allows for automatic cabin circulation for auto AC units.Infotainment Control Modules: Controls the dashboard computer system including navigation.Power Steering Modules: Receives information on vehicle speed, steering position and torque and produces steering feedback to the driver.Powertrain Control Modules: Regulates the powertrain system ensuring the power flows from the engine to the wheels. Suspension Control Modules: Controls the suspension and adjusts the tension for the wheels to create the smoothest ride under current road conditions.Transmission Control Modules: Adjusts the displacement and transmission based on the engine’s RPM. Each ECU varies greatly from unit to unit. They use different communication components, have different numbers of inputs and outputs, and have different amounts of microprocessor memory depending on their function. More complex modules will need more complex communication systems, more inputs and outputs, and a higher amount of memory. How can your car be hacked?ECUs are essentially the brain of your car. They connect to each other via the CAN bus, where information is sent and received. And because this information can be sent and received, it can also be intercepted.  Car hacking isn’t the most common type of cyber attack but these types of hacks are increasing in frequency. According to Upstream, a cybersecurity and data management platform for cars, the amount of hacks on car systems increased 225% between 2018 and 2021. Upstream analyzed 900 incidents of car cyber security breach and noted: In 2021 nearly 85% of attacks were done remotely. Keyless entry and key fob attacks were the number one breach in security accounting for 50% of all vehicle thefts.Data and privacy breaches accounted for 38% of incidents studied while car theft and break-ins accounted for 27% and control system hacks accounted for 20%. As cars become more and more connected, these types of attacks are expected to increase in the future. Upstream anticipates losing $505 billion to cyberattacks by the end of 2024. So how exactly are hackers getting into your car? Hackers use attack vectors to get access to your car’s computer system. Attack vectors are weak points in a system that can be used to access your car’s network. Attack vectors used to be limited to key fobs and physical access to the controller area network. But nowadays there are a lot more attack vectors, mainly because there is a lot more that is controlled by the computer. Here are a few ways they can get into your system:Physically hacking into the system through the headlights, ABS, OBD port, or other susceptible areas.Counterfeit parts and components of your car that are embedded with malware.Through MP3 malware–a music download may be embedded with malware codes that can get into your car’s system.Through data downloads–an update or app download to your car could be embedded with codes. Intercepting a key fob signal.Through an EV charging station. If a hacker does manage to get access to your car’s computing system, what does this mean for you?  Here are some of the threats that hacking poses.They can remotely follow you through your tire pressure monitoring system. They can find vulnerabilities in sensitive information access in some vehicles.They can disable your brakes while you are driving.They can change your destination on your navigation system.They can cause your vehicle to accelerate.They can hack into your phone if it is connected to your car and access your personal information.They can get access to your car’s key fob and open your car without your knowledge.They can send malicious messages or data to your phone or computer. They can control your windshield wipers and air conditioning. While there are seemingly endless possibilities when it comes to what hackers can do, there are certain threats that are more severe and more realistic. Hacking into your car to get your personal information or to steal your car are the most probable threats, as there is significant motivation to carry out these attacks. There will always be hackers who are motivated merely by malicious intent or simply to prove that they can do it, but the majority of hacking is done to get personal information or personal property.What can you do to protect yourself from a cyber attack?So what can you do to protect your car from a cyber attack? There are a few steps that you can take to help keep your car–and your information–safe.Choose a secure pin and password for any apps that interact with your car.Simply cracking a password may allow hackers to get access to your car’s computing system. Taking the time to select a secure password will help minimize this threat.Use a signal blocking bag to carry your key fob.A Faraday bag will block your car's key fob signal and prevent hackers from getting access remotely. Use certified parts on your car.Counterfeit parts pose a huge risk not only for hacking but for your safety in general. Making sure you are getting certified parts will help ensure your safety. Use a trusted mechanic. Mechanics have access to your car’s computing system, so selecting a mechanic you can trust is important. Don’t leave anything connected to the OBD-II port.These ports allow you to plug in a device and pull information from your car’s computing system, so they are a major attack vector when it comes to hacking. Leaving a device connected, such as an insurance carrier’s tracking device, can open you up and leave you more vulnerable.Don’t leave your password in your vehicle. If someone breaks into your car and finds your password written down they can steal your car and even disable tracking for stolen vehicles.Don’t download directly to your car’s browser unless it’s from a trusted source.Downloading music or data can open your car’s entertainment system up to a host of cybersecurity threats. Pay attention to recalls.Car manufacturers are monitoring cyberattacks and looking for weak parts in the car’s computing system. Jeep Grand Cherokee had a recall in 2015 when it was determined that hackers could break into the wifi connected multimedia system and gain control of the car. Car owners were sent a USB update that contained rewritten code to fix where the security breach occurred. Staying on top of these recalls can help you stay safe.Cover your VIN.A recent experiment from Sam Curry found that it’s possible to hack a car simply by knowing its VIN. Covering your VIN (located on the bottom of your windshield) with a piece tape or paper will hide it from a lurking hacker in a parking lot.Use Android Auto or Apple CarPlayThese systems have more advanced security settings than any other infotainment systems out there. Avoid programming your home address and work address into your GPS.Hackers can learn a lot about you by accessing your GPS, from where you live to where you work to where your kids go to school. It may be easier to save these places in your navigation system, but you will be much safer if you can avoid doing so. That’s what you need to know about car hacking and how you can protect yourself. With new technology comes new risks. While so much of these advancements have made our lives easier and more seamless, they have also opened us up to a whole new world of threats. We may assume that it will never happen to us, but in today’s world the threat is always there. Using our tips above can help protect you from car hacking and keep you and your family safe. If your car loan has you feeling vulnerable, contact Auto Approve today! We can help get you a new loan with better terms and lower payments. So what are you waiting for?GET A QUOTE IN 60 SECONDS

We spend a lot of time in our cars these days. This means we often need things in our cars to make our time there easier and safer. Our glove boxes are the perfect place for all of these essential items. While everyone has different specific needs for their car depending on where they live, how often they drive, and whether or not they have kids (IYKYK), there are certain things that everyone should keep in their glove boxes.Here are the top 12 things you should keep in your glove box (in no particular order).#1. Your registration and insurance.You shouldn’t drive anywhere without a copy of your registration and insurance. Getting caught without these pieces of paper can cost you a lot of money depending on where you live. You can even have your car impounded and in some cases get arrested. So obviously it’s important to make sure that you have both your registration and insurance safely tucked away in your glove box. Check to be sure it is current and whenever new cards arrive be sure to replace them so they are always up to date. #2. Your vehicle owner’s manual.Your owner’s manual is full of useful information, so it’s a good idea to keep it handy. It can be especially valuable if you see a dashboard light that is unfamiliar. But can’t we just look everything up on our phones? Yes, but your manual will be a faster option than trying to find your exact make and model specs online. #3. A cell phone charger.Being out without a phone today is a horrible thought. We depend on it to keep in constant contact with friends and family, sure, but we also depend on it for directions and to keep us entertained while driving. Without streaming music or podcasts, what are we to do? Many parking meters and lots these days require (or at least strongly encourage) paying by cell phone, adding another layer of necessity when it comes to our phones. Keeping an extra charger will help ensure that we are never without our phones, especially when we are out and about in our cars.  #4. An emergency escape tool.An emergency escape tool is something we all need but all hope we never have to use. These handy tools will help you to break a window and cut your seat belt in the event that you are in an accident and need to get out of your car. These tools have a spring-loaded pointer made of metal that, when released, will shatter a car window completely. They can be used if your car gets submerged in water, rolls over during a crash, or gets stuck in a weather emergency. Again, you never want to use it but you will be eternally grateful if you have it when you do need it.  #5. Emergency flares.Emergency flares are another necessity for survival. Flares can help you get attention if your car breaks down or you are involved in an accident. At the very least they help make you visible so that passing cars do not hit you by accident. #6. First aid kit.A first aid kit is another survival essential. Whether you get a paper cut while flipping through papers in your front seat or you are involved in an accident, a first aid kit will certainly prove itself useful on more than one occasion. Your ideal first aid kit will have the following:A first aid manual with basic first aid tasks such as how to perform CPR.GlovesGauze and assorted bandagesAntibacterial sprayDisinfecting wipesPain relieversAnti-bacterial creamsEye washLip balmTweezersAny additional medications you use #7. A bottle of water and snacks.It’s a good idea to always have a fresh bottle of water and snacks of some sort in the case of an emergency. If this won’t fit in your glove box, consider keeping a small box or bag in your trunk. IF you ever get stranded somewhere these items will be crucial. #8. An ice scraper.While this may not apply to you depending on where you live, for many who live in the US an ice scraper is an absolute necessity. You never know when the weather might turn in the winter and you don’t want to get stuck at work or out running errands without an ice scraper. A sudden storm could mean iced over windows with little to visibility, which could easily result in being stranded.  #9. Pepper spray or a pocket knife.It’s a good idea to have some sort of protection on you. Whether you are in an unfamiliar part of town or are driving through the country, both of these items can help keep you safe. Whether it’s the threat of another person or even an animal, they will both give you a bit more peace of mind.  #10. Matches or a lighter.It’s always a good idea to have either matches or a lighter on hand. They take up very little room and can be incredibly useful. If you ever need to start a fire in the cold or light a flare you will be very grateful to have the assistance.#11. Flashlight.If you drive at night, which most of us do, a flashlight is absolutely essential. You never want to be stranded in the dark without a light, and relying on your phone’s flashlight will drain your battery. It’s much better to have a heavy duty waterproof flashlight with extra batteries stored in your glove box. #12. Emergency contacts and information.If you are ever involved in an accident it’s important to have information easily accessible for rescue workers. A laminated paper with emergency numbers and any relevant medical information will help the emergency workers get in touch with your loved ones and get you the help that you need more quickly. List the following information on the front of the card: Your name and addressPhone (Home, Work)Birth dateBlood TypeSocial Security No.Health Insurance Carrier and Individual and Group #Physicians On the back of the card you want to list the following:Emergency contactsAny medical conditions or disabilitiesMedicationsAssistance neededAllergiesImmunization DatesAny other information that might be relative Medical information can be a matter of life and death, so it’s incredibly important to be prepared and make an emergency card for your glove box.Those are 12 things you should keep in your glove box at all times.  You can’t anticipate every emergency or issue that will pop up while driving, but you can strive to be as prepared as possible. Preparing your finances for emergencies is just as important as preparing your car. If you are overpaying on your car loan every month, Auto Approve can help! Contact us today to see how much you could save.GET A QUOTE IN 60 SECONDS

There are a number of ways that people can get over their heads with monthly payments. After all, car loan payments are at an all time high with new car payments averaging $725 per month. With the added cost of insurance, gas, and maintenance, owning a car is incredibly expensive. But if your monthly payments are getting too high, what can you do? Is it possible to transfer your car loan to another person and walk away? Here’s what you need to know about transferring your car loan and how you can decide what to do if you can’t afford your monthly car payment.Can you transfer a car loan?First things first: is it even possible to transfer a car loan to another person? The short answer is not usually, but there may be certain situations where a lender will allow it. The terms of a car loan are based on a number of factors, and perhaps the biggest factor is the financial situation of the applicant. Better terms, conditions, and car loan APRs are offered to people who have a good history of making on time payments. The better your credit score and credit history is, the better your loan terms will be. Transferring a loan to someone else means that they will assume the exact loan and loan terms that you have, even if they have a drastically different financial history than you. If their financial situation is worse than yours, then the lender is taking on a greater risk without any compensation. If their financial situation is better than yours, then they are getting unfavorable terms.  When you sell a car that is still being financed, a lender will instead look at the new borrower’s information and make a loan offer based on that. They will issue a new loan that is separate from your agreement entirely. But all that being said, there are some situations where a lender may agree to transferring a car loan. It will depend on the language of your loan contract and there may be fees associated with it. A transfer may be allowed in certain situations, such as:You are moving overseas and do not have the time to sell your car properly.You are in a very tight financial spot and need to get out of your loan agreement immediately. You are giving the car as a gift. Your car loan will have language in it that pertains to transferring your loan. If your car loan is “assumable”, then it can probably be transferred to another person. But if you are unsure of the language in your contract, be sure to contact your lender and explain your situation.  How to transfer a car loan.Discuss the transfer with your lender.If you are allowed to transfer your car loan (and even if you aren’t allowed) your first step is to call up your lender and discuss your situation. If there is language that excludes it you may still be able to talk them into it. The worst they can do is say no. If your loan is assumable there will be conditions of the transfer.  Have the new borrower apply. The new borrower will have to meet their minimum credit score and any other criteria that the lender may have in place. The lender will review their application and determine if they will allow the transfer.  Transfer the loan and the title.When all of the paperwork is done the lender can formally transfer the loan and you will need to transfer the car’s title. You should visit your state’s Department of Motor Vehicle to determine what you will need to do this. Typically you will need to have the bill of sale, registration, and money for the transfer fee. Be sure to transfer the title as soon as you can to avoid any problems. Contact your insurance company as well to remove the car from your policy and have the new owner insure the car themselves.What fees are associated with a car loan transfer? If you are allowed to transfer your car loan you may be responsible for some additional fees. The new borrower will most likely be responsible for them, but they may include:Application feeTransaction feesClosing feesFees for missed or late paymentsRegistration fee (for the new borrow to register with the state)What should I do if I can’t transfer my car loan?If your car payments are burying you but you are unable to transfer your car loan to another person, there are other steps you can take to get yourself into a more comfortable financial situation.Contact your lender and ask for a deferment.If your financial woes are temporary, a deferment may be a great way for you to get your head above water. Deferring your payments for a few months will pause your loan and allow you to catch up. It’s important to keep in mind that you will still accrue interest during this time, but it’s an easy and temporary way to help you out of a tight spot. Refinance your car loan.Perhaps the most straightforward way to deal with high monthly car payments is to refinance your car loan. Refinancing is when you take out a new loan with better terms and conditions that will replace your current car loan. Refinancing may help you get a lower car loan APR and can help you change your repayment period. If you lengthen your repayment period you will have more time to pay off your loan and will greatly reduce your monthly payment. This can be a great option for many people who are struggling and need a little more wiggle room. Refinancing your car loan is easy, especially if you use a company that specializes in car loan refinancing. They will have relationships with lenders that will help you to get the best car loan possible and can help guide you through the refinance process.Add a cosigner.If you want someone else to be responsible for the car and the loan alongside you, consider adding a cosigner. You will both be equally responsible for the loan. This might be a good option if you want to take the car back in a little while and assume sole responsibility. You will still need to refinance the loan to add a cosigner, but adding a cosigner may actually help you get a better car loan APR and better terms and conditions. When you apply for a refinance with a cosigner the lender will consider both of your finances and credit histories. So if your loved one has a better credit score than you it may help you secure a better rate. Trade your car in.If your car payments are decidedly too much money every month, another good option might be to trade your car in. If you trade your car in and get a cheaper car you will lower your car payments and still have a dependable mode of transportation. Try leasing instead.Financing a car is significantly more expensive than leasing a car. While financing a car is great because it builds equity, leasing will allow you to have a dependable car for much less money every month. Trading your car in and leasing instead can help you pay for any fees and help reduce your payments further. Sell your car.If things are especially difficult, refinancing your car loan may not be enough to put your finances in order. If you lost your job or have had another significant life change, it might be best to sell your car and figure out a different mode of transportation. Perhaps you can try depending on public transportation for a little while until your situation gets sorted out more. Can I transfer my car loan to a credit car?If you are offered a 0% introductory APR for a credit card, you may wonder if you can transfer your loan balance to your credit card. It may offer you a lower APR and cash back, both of which. So if you are struggling with payments this may seem like a great idea. While it can be a good option for some people, there is a significant disadvantage: missing a payment could be catastrophic. A missed or late payment could result in a skyrocketing APR that will put you in a much worse position than you were in previously. Refinancing your car loan is a safer option that does not come with the risk of a missed credit card payment.That’s everything you need to know about transferring your car loan to another person.Transferring an auto loan may be allowed in certain situations, but it is not widely offered or practiced. But selling your car to another person or refinancing your loan with a cosigner may help you reach your end goal and reduce your monthly payments. If car loan refinance sounds good to you, get in touch with Auto Approve today!GET A QUOTE IN 60 SECONDS

Car dealerships used to be the only name in the game if you wanted a new car, but nowadays you have another option: buying a car online. So how can you decide if buying a car from a dealership is the right move for you?Here’s how you can decide if you should buy a car from a dealership.What are the advantages of buying a car at a dealership?Buying a car from a dealership has some significant advantages over buying online. The human element is one of the top advantages, as you can actually talk to a salesperson and let them guide you through your options. You can get advice.Car dealerships have salespeople who can help you immensely if you are unsure on the exact vehicle you want. Even if you know the make and model you want, there are endless options when it comes to upgrades and trim levels. Salespeople can help explain your options and pick out the exact car that will work for you.You can negotiate. Dealerships also provide a way for you to negotiate. When you buy a car online, you are unable to negotiate the price. Everything is cut and dry online, whereas shopping at a dealership will allow you to cut down the sticker price or possibly have some fees waived. You may get a manufacturer incentive. Buying at a dealership means that you may be eligible for manufacturer incentives. These incentives can vary greatly and may include 0% financing, a cash rebate, or equipment upgrade. What are the disadvantages of buying a car at a dealership? There are some disadvantages to buying a car at a dealership as well. Your options may be more limited and you may get swayed into options that you do not want or need. So for some people, buying online may be a more comfortable option. It takes more time.It’s hard to beat the convenience of shopping for a new car from the comfort of your home. Buying a car at a dealership will take much more time and may require multiple trips to multiple dealerships to get the car that you truly want. The negotiation process will take more time as well, as you cannot simply click a button and wait for your car to arrive. You may have less options.When you buy online, everything is at your fingertips. Whatever make, model, color, and options that you want are available to you. This may not be true for your local dealership, which may not even carry the make and model car that you are interested in.  You may get persuaded into something you don’t need.Salespeople earn commissions, so it’s in their best interest to increase the amount you are paying as much as possible. And this may mean that you will get talked into something that you don’t really want or need. It’s much easier to simply go online and select exactly what you want. You may also find that it is more difficult to walk away, even if you know that the car is not right for you.How can I prepare for buying a car at a dealership?If you feel like a dealership is your best option for purchasing a car, there are a number of steps you can take to make sure that you get the best deal (and best car) possible.Do your research.Do not make the mistake of going into a dealership unprepared. You should have a loose idea of what you are looking for (at the very least you should have a list of what you are looking for in a new car) and you should have a loose idea of the price. The more you know about what you want ahead of time, the more you can prepare for the price of the car. This will help you spot if you are being taken advantage of or if a dealer price is fair.  You should also know how much you can afford to pay every month in car payments. Your total cost for transportation (car payments, insurance, maintenance, gas, parking, etc) should never be more than 20% of your total monthly income. Get pre approved.Getting pre approved before you set foot in a dealership will help you in a few different ways. First off, it will show the salesperson that you are serious about buying a car and are prepared to do so. It will also mean that if the dealership wants you to finance with them they will need to work hard to beat your pre approved financing offer.Shop around.Do not go to just one car dealership when you are looking to buy a new car. Going to a few different dealerships will give you some more negotiating power and let you compare offers. Break down your financing into components.When dealerships sell you a car they tend to focus on your monthly financing payments. They want you to focus on your monthly payments rather than showing you the overall picture. But this can get confusing. Monthly payments are largely determined by your repayment period. Any car is affordable if you are given a long enough time to pay it off. The longer that you are repaying your loan however, the more money you will pay over the life of it.  Instead, focus on the out the door price first–the total cost of the car. Try to negotiate your sticker price down in a separate transaction before moving onto how exactly you will pay for the car. Putting a larger down payment will help keep your payments affordable and help ensure your loan won’t become underwater. Be prepared to walk away.Dealerships can be intimidating and there may be a lot of pressure to sign on the dotted line. But you should only sign when you are 100% happy with all of the terms. Make sure that you have the exact car that you want and that the financing terms are fair. Dealers want to pressure you into making a sale because they know that once you leave the dealership their odds of making the sale have decreased significantly. But do not let their pressure sway you into a car and a deal that is not what you want.That’s how you can decide if you should buy from a car dealership or not. There are pros and cons from buying at a dealership, but if you decide to purchase a car that way be sure to do your research and stand your ground. If you are in an unhappy relationship with your current car lender, contact Auto Approve today!GET A QUOTE IN 60 SECONDS