BUY HERE PAY HERE ( $$ Saving interest rate tips $$ )

I did in house financing ( buy here pay here ) at my car lot. I do not recall a customer ever asking me how much the total finance charge would be. Most buy here pay here Independent Automobile dealers charge from 15 to 28% interest, with an average down payment from $500.00 to $1500 dollars with a two to four year payout depending on vehicle cost. Used car business slows down through the Holidays and dealers are hungry for a sale. Now is a great time to wheel and deal. If you can pay 50% or more down than they are asking you should get a better rate. Before you mention it ask the dealer to show you how much the total finance charge is, not weekly, or monthly, but the total interest rate cost on the vehicle you are getting a quote on. If they will not show you on paper walk out the door. When you see the finance cost you are ready to offer more down if you get a better rate. You will get a better rate at most buy here pay here lots. If the first dealer is not wheeling to deal shop around. When you get the rate lowered compare the before and after savings. You just saved hundreds of dollars on a four year note. Be sure to read all my posts for tips on saving and making money. Let me know how much my tips have worked for you.

VIN ( Country of Origin )

VIN'S first digit identifies code and country of origin on the following chart:

Code/Country of Origin
1 United States
2 Canada
3 Mexico
4 United States
5 United States
6 Australia
9 Brazil
J Japan
K Korea
L Taiwan
S England
V France
W Germany
Y Sweden
Z Italy

VIN MODEL YEAR CHART ( Vehicle Identifcation Numbers )

VIN' S from the model year 1981 until present are made up of seventeen digits. The ( tenth digit is the model year code ). The following chart will help you verify the model year before you purchase a used vehicle:

Code/Model Year
B 1981
C 1982
D 1983
E 1984
F 1985
G 1986
H 1987
J 1988
K 1989
L 1990
M 1991
N 1992
P 1993
R 1994
S 1995
T 1996
V 1997
W 1998
X 1999
Y 2000
1 2001
2 2002
3 2003
4 2004
5 2005
6 2006
7 2007
8 2008
9 2009

KEEP YOUR RIDE "CHANGE THE LOOKS" ( Accessories )

If you drive a pickup truck or SUV there are numerous accessories available to increase the value of the vehicle. At the same time your vehicle will have a much different look. The look will depend on how much you want to spend and how much you add. Some ideas for a different look would include a winch and new bumper combination, brush guard, different type of light covers to cover the headlights and tail lights, nerf bar, or running boards. An exterior rear tire kit also looks good on an SUV. Luggage racks and guardrails create a nice look. Pin stripe is another creative look which comes in many different sizes and colors. Just to give you an example, i would purchase jeep wranglers and then buy new custom wheels, larger tires, custom made wrangler decals, and replaced convertible tops and seats if needed. These additions increased the value of the wrangler, sales, and profits.

KEEP YOUR RIDE " CHANGE THE LOOKS " ( Window tint )

Window tint comes in different colors, which allows you to select a color that works well with your paint. A ( UV ) window tint helps keep the sun rays out, thus keeping your interior cooler in the summer. Window tint also reduces interior fading. Limo tint on the drivers, and front passenger window is illegal in many states. Make note of that before installing. Window tint is available in self installation kits, or it can be professionally installed. Adding window tint changes the looks of your vehicle.

KEEP YOUR RIDE " CHANGE THE LOOKS " ( Paint )

A new paint job on your vehicle gives it a newer look. You can even change the color. It cost more, but still less expensive than buying new. A lot of people might not know that pickup trucks ( if taken care of ) will reach a low, or what I call bottom out value price. Then the price starts coming back up. Another reason you may consider a new paint job is if your vehicle has no major maintenance problems. If your vehicle is a two tone ( painted two colors ) you can have it painted one color or vise a versa. Look at your vehicles paint closely. The paint is one of these three; solid, or it could be metallic mixed into the paint, or a metal flake mixed into the paint. Changing the paint type alone will give your vehicle a different look. Shop around for a reliable paint shop.

KEEP YOUR RIDE, " CHANGE THE LOOKS " ( Tires )

Tires are one of the important safety features that helps your vehicle in more than one way. A new set of tires should improve your ride, handling, and looks; not to mention sale value. The way tires can change the vehicles looks are by changing the profile, or you can change from blackwall tires to white letter tires, or even whitewall tires. Sometimes changing brands will give you're vehicle a newer look.