11503 St Charles Rock Road Bridgeton, MO
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What is Guaranteed Financing?

Guaranteed Financing at All Star Dodge near Fenton

Are you in need of a car but maybe don’t have the best credit? There is no need to worry about this when you shop at All Star Dodge near Fenton. At All Star, they offer a guaranteed financing program that helps everyone get financing for a car, truck, or SUV that they find at All Star. We want to take a closer look at this today.

What Is Guaranteed Car Finance? 
It is typically a free service and is currently available primarily to borrowers with poor or bad credit. Companies offering guaranteed car finance allow buyers to request the amount of credit needed to purchase a new car. The terms of the agreement with guaranteed car finance lenders are not limited to purchasing the vehicle from the lender or dealer. A new buyer is permitted to shop elsewhere and bring in their outside loan agreement for financing.

Terms of the Program 
“The loan agreement is a contract for hire arrangement where the finance company takes ownership of the vehicle during the loan period. The company charges a monthly rental fee to the borrower in exchange for use of the car. The monthly rental fee is comprised of the loan amount plus an interest and financing charge.”-carsdirect.com

Remember, this is just a basic understanding of how the guaranteed financing program works. For a more detailed explanation and understanding on how the guaranteed financing program works at All Star, talk to a member of their finance team. These friendly and knowledgeable staff members would be more than happy to help you learn more about the guaranteed financing and help you to apply. Any questions, they would love to answer those as well!

Used Car Benefits

Used Cars at All Star Dodge near Ladue

We know that you know that All Star Dodge near Ladue has a HUGE selection of used cars. What you might know is that there are a lot of great benefits of buying a used car from All Star. We want to share some of those benefits with you here today.

Sales Tax Savings – Every ad for a new car glosses over the tax issue. Many state laws subject new cars to state sales tax, but not used cars. In Georgia, for example, if you buy a used car from a private seller, you won’t owe any sales tax at all. The laws in Missouri and Illinois are different, so be sure to check with a member of the All Star finance team for information on your specific information. Comparatively, the sales tax that dealers have to add to the price of a new car can be thousands of dollars. Don’t underestimate the savings, and research your state’s laws on the subject before you make a decision.

Cheaper Registration Fees – “In most states, the rate of your annual registration fee is based on your car’s value and its model year. In Colorado, for example, registration fees fall dramatically during the first few years after a car is manufactured. The rate is highest in the first three years, and then levels off after five years. If your state has similar rules, you can save about a thousand dollars by avoiding the new car registration fees and buying a car that’s at least three, or better yet five, years old.”-moneycrashers.com

To check out some of the different vehicles that are currently on the used car lot, head to All Star today. Their team is ready to help you!

Financing at the Dealership

Guaranteed Financing at All Star Dodge near Mehlville

When you are needing a new car, you might not be sure the best way to go about getting financing. Luckily at All Star Dodge near Mehlville, they offer in house financing as well as guaranteed financing for those with little to no credit. Today we want to share with you the benefits of in house and guaranteed financing.

It’s a smoother process – Instead of spending extra hours or days trying to get pre-approved for a loan through a third institution, in-house financing car lots ensure a quicker process with more benefits that can include extended warranties and flexible interest rates. It often means a short cut to owning the vehicle and driving it off the lot days sooner than can be expected when going through the bank.

It’s easier to get qualified, this is where guaranteed financing comes in – For those with fair to poor credit, in-house financing is more flexible with approval. However, it does not guarantee lower interest rates and may still require higher rates or a higher monthly payment. Fortunately, those with bad credit can refinance their higher interest rate loan after a year or so of monthly payments paid in full and on time.

It’s a more flexible process – “In-house financing car lots tend to receive a large amount of applications, resulting in a well-oiled machine that allows the dealership to be more accommodating and flexible. They’ll likely do the best they can to work with your specific budget, while also allowing you to be pickier about the type of car you want to purchase. They’re even known for throwing in a few incentives.”-autocitycredit.com

Take advantage of the guaranteed financing options that All Star Dodge has to offer. Their friendly and knowledgeable staff is ready to help you!

All Star is a Cut Above the Rest!

All Star Dodge Ram Jeep Chrysler near Ellisville

When you need to get a new or used car, you need to head to All Star Dodge near Ellisville. They are the best Dodge, Ram, Jeep, and Chrysler dealer in the St. Louis area, and once you shop with them, you are sure to see why. All Star Dealership is a full service dealership that offers everything from sales to servicing, guaranteed financing to parts. There is nothing that this dealership really can not do. Today we want to take a look at a few of the different services that All Star has to offer.

Finance Department: Did you know that All Star has a staff that is completely devoted to financing? Their team has the experience and know how to get you the right financing. If you have credit problems, you can get the financing you need for the vehicle you want, and help yourself re-establish your credit while driving your new or used vehicle thanks to their guaranteed financing program! Don’t be taken advantage of because of your credit history. All Star Dodge Chrysler Jeep Ram can arrange all of your financing and take the hassles out of your next car buying experience. Our experienced staff can give you the best rates on buys and leases with our relationships with many area lenders. By understanding your personal situation and your vehicle desires, we can tailor a custom financing plan for you.

Not every dealership is willing to designate the kind of resources that All Star Dodge Ram does to financing. Most dealerships just have a single guy in a room that handles financing for the whole lot, but that is just not how All Star thinks business should be done. They think that you need to put the customer first and their finance department does just that. Get to All Star today!

Buying a Car – Money Matters

Guaranteed Financing at All Star Dodge near Chesterfield

It is a simple truth, you cannot buy a new or used car, truck, or SUV without money. (Maybe if you are doing an even trade, but that’s a topic for a different discussion.) Some people prefer to save up and pay cash for a new or used car, others prefer to finance through a bank or private institution, while others like to take advantage of the guaranteed financing offered by the Finance Department at All Star Dodge near Chesterfield. Today we want to share a little bit about some of the money matters associated with buying a new or used car from All Star.

You need to know your credit history – Most people who shop for cars will need a loan. How much that loan costs will depend on your credit history, and knowing your credit history will give you a better idea what to expect from lenders. The Fair and Accurate Credit Transaction Act of 2003 (FACTA) allows every consumer to get a free copy of his or her credit report once a year from each of the three major credit-reporting agencies (TransUnion, Experian, and Equifax). Get a copy of your credit report, and check it for accuracy. Pay the extra few dollars to get your credit score as well, as it is one of the major factors that banks use to determine your creditworthiness. (This information was compiled from caranddriver.com and bankrate.com.)

What do you do if you run your credit history and find out that it isn’t great? Will you still be able to get a car? The answer is yes! All Star offers guaranteed financing to anyone who shops on their lot. The finance team will be able to get you a loan for your All Star vehicle purchase!

Do I Need Guaranteed Financing?

Guaranteed Financing at All Star Dodge near Ladue

It seems you have found yourself in a pickle. You need to get a new car, but your credit is not great. You are worried that you won’t get an auto loan or that if you do, it’s not going to be a very good rate or that it won’t improve your credit score. Luckily, there is guaranteed financing offered at All Star Dodge near Ladue. Today we want to share with you some of the advantages of guaranteed financing.

There are a number of advantages of taking advantage of guaranteed financing at All Star. Advantages: The cars are usually less expensive. Many people prefer to make payments on a weekly basis. Car payments are made face to face, so you know your agent personally and they know you personally. And many of the dealers offering guaranteed auto financing don’t bother with a credit check before selling you a car. You will need to check with the finance department at All Star to verify this information. Each dealership is a little different, but the All Star team works very hard to help every customer and they go the extra mile to ensure that your credit score will be improved through their program.

Does buying a pre-owned vehicle really help me reestablish my credit ?

Yes, when checking with the credit bureau, many lending institutions look at automobile loans closer than any other type of loan (other than home loans) to verify your credit standing. Buying a car from a “buy here, pay here” lot that does not report to the credit reporting agency is simply not a good option because it does not help your credit record at all. All Star is not a buy here, pay here lot, they genuinely want to help you get your credit score back on track. Get to All Star today!

What is Guaranteed Financing?

Guaranteed Financing at All Star Dodge near Ballwin

What do you do when you need to buy a car, but have less than great credit? Do you settle or do you find a way to get a great car and improve your credit score at the same time? We think that you should take advantage of the guaranteed financing program offered by All Star Dodge near Ballwin. Let’s take a look at what guaranteed financing is and how it works.

What is it? – It is typically a free service and is currently available primarily to borrowers with poor or bad credit. Companies offering guaranteed car finance allow buyers to request the amount of credit needed to purchase a new car. The terms of the agreement with guaranteed car finance lenders are not limited to purchasing the vehicle from the lender or dealer. A new buyer is permitted to shop elsewhere and bring in their outside loan agreement for financing.

How does it work? – “The loan agreement is a contract for hire arrangement where the finance company takes ownership of the vehicle during the loan period. The company charges a monthly rental fee to the borrower in exchange for use of the car. The monthly rental fee is comprised of the loan amount plus an interest and financing charge.”-carsdirect.com

As the loan balance is paid down, it is the responsibility of the borrower to maintain the vehicle in accordance with the terms of the contract for hire. This arrangement works for both the borrower and the lender. The finance company receives a tax deduction in consideration of the value-added tax levied on the vehicle’s value, while the borrower does not increase his or her net asset value since ownership resides with the finance company.

To take advantage of the guaranteed financing program stop by All Star today!

Will Guaranteed Financing Work for Me?

Guaranteed Financing at All Star Dodge near Ballwin

We live in a world where everything revolves around your credit score. Interest rates, loan amounts, purchasing power, and countless other things are dependent on where you fall on the credit score spectrum. If your credit is great, you really do not have any worries. But what do you do when your credit is not great and you find yourself in need of a Dodge Ram car, truck, SUV, or minivan? Is there really an option out there that won’t cost you an arm and a leg in the long haul? If your credit is not great and you do not want to be taken to the cleaners, you need to go to All Star Dodge Ram near Ballwin and talk to the wonderful people in the finance department about guaranteed financing.

How does the Guaranteed Financing Program work? – All Star has lenders that work with individuals with a variety of credit issues. Depending on the extent of your credit issues, you may be required to have a cash down payment up front. The amount that you are allowed to borrow will depend on your credit application. To determine your qualifications, simply fill out a credit application and someone in the finance department will get back to you within minutes! The terms of the loan allowed for the annual percentage rate will vary depending on your credit history.

Does buying a pre-owned vehicle and taking advantage of the guaranteed financing program really help me reestablish my credit ? – Yes, when checking with the credit bureau, many lending institutions look at automobile loans closer than any other type of loan (other than home loans) to verify your credit standing.

To get qualified for guaranteed financing through All Star, stop by the dealership today!

Could Guaranteed Financing be Right for You?

Guaranteed Financing at All Star Dodge in MO

What do you do when you need a different car but maybe don’t have awesome credit? Do you settle for a sub par car with an astronomical interest rate, or do you go to a dealership that is looking out for you and wants to help you find a great car at a great price? The answer seems to be pretty easy, you go to the dealership that is willing to help you out. You head to All Star Dodge in MO and work with their finance team to attain guaranteed financing.

How does the Guaranteed Financing Program work?

We have lenders that work with individuals with a variety of credit issues. Depending on the extent of your credit issues, you may be required to have a cash down payment up front. The amount that you are allowed to borrow will depend on your credit application. To determine your qualifications, simply fill out a credit application and we will get back to you within minutes! The terms of the loan allowed for the annual percentage rate will vary depending on your credit history.

Does buying a pre-owned vehicle really help me reestablish my credit ?

Yes, when checking with the credit bureau, many lending institutions look at automobile loans closer than any other type of loan (other than home loans) to verify your credit standing. Buying a car from a “buy here, pay here” lot that does not report to the credit reporting agency is simply not a good option because it does not help your credit record at all.

For more information on the guaranteed financing program at All Star, contact their finance department. They would love to assist you in getting your credit back on track!

All Star Dodge Ram is the Best!

All Star Dodge Ram Jeep Chrysler near Arnold

There are a lot of dealerships in the St. Louis area from which you can choose to buy a new or used Dodge, Ram, Jeep, and Chrysler cars, trucks, SUVs, and minivans. Today we want to talk about All Star Dodge Ram near Arnold. It is a truly fantastic dealership – but don’t just take our word for it! Today we want to share with you some reviews of people who have absolutely loved their experience at All Star. We asked and they answered with impressive reviews of the All Star dealership.

“Big Johnny was by far the best salesman I’ve ever had to work with! He was so nice and friendly and honestly just relate-able. He never once made us feel pressured or like we were just customers. He made us feel like family.” – Jacob

This is my first time buying a car, I had gone to a dealership before this one who treated me horribly as they saw me as a 20 year old who will do whatever they want. Big Johnny was so kind from the moment we met him, he did so much to get exactly what I wanted and everything he told me was the truth and to help me in the long run. I will recommend this place to all of my friends and tell them to make sure to go to Big Johnny. I’m in love with my Dodge Charger and being a 20 year old and having one is one of the biggest blessings. Also the finance manager was amazing and very helpful getting my payment plan together. I can’t thank you guys enough! Thank you so much Johnny, I’ll be coming here for all my car purchases! -A huge fan of the Dodge Charger

Head to All Star today to experience excellent quality service!

 

 

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