Affiliate Advanced Link Solution

Can You Get A Car Loan After Bankruptcy?

Some people have the idea that after you have filed for bankruptcy your prospects of getting a loan are nil, and they somehow believe that applies to car loans as well. Nothing could be further from the truth.

Car Loan

OK, you might have to jump through a few more hoops to get a car loan after going through a bankruptcy, but it’s not impossible. Generally, auto lenders want you to have a history of stable employment, a down payment, no previous auto repossessions and enough income to be able to handle your car payments. If you can prove that you can make your monthly payments and that you meet the other loan qualifications then you should be able to get a car loan relatively easy. A large down payment will help.

You want an income of at least three times the amount of your car loan, but four times is better. For instance, let’s say that you are applying for a car loan that will set your payments at $400 per month. You want your monthly income to be at least $1,200 per month. If you have a monthly income of $1,600 then that is even better.

As well, if the vehicle you are expecting to purchase is going to cost you a total of $5,000 then you want to lower your loan amount as much as possible. If you have a bankruptcy on your record then you want to put down at least $1,000 toward the purchase. That will mean that you’ll be financing $4,000. If you can put $1,500 or $2,000 down then you’ll increase your chances of getting the loan.

It’s very important that you not have a repossession within the past year unless that repossession was a part of a bankruptcy. If that is the case then be sure you disclose that to your lender right up front.

You also don’t want to apply for a car loan too soon after your bankruptcy. If you are applying for a car loan the next month after your bankruptcy then it will appear that the bankruptcy wasn’t necessary and you may be suspect of fraud. Try to wait at least six months.

It’s not impossible to get a car loan after a bankruptcy, but you do want to make sure your finances are in order and that you can demonstrate an ability to pay off the loan.

Take $5 Off Your Next Meal at a Local Pizza Shop

Restaurants LansdaleLast month we offered all Vinart Insiders and local Lehigh Valley residents a Free Haircut WITH Color Service at Blown; a Lehigh Valley Hair Salon. This month we are proud to offer you a $5 coupon to Roma’s Pizza. Roma’s is a great place to go for lunch or dinner. They have exceptional food and service, which is why we are so happy to have them on board with our Local Partner Program.

Roma’s Pizza is offering Vinart Insiders and the local Lehigh Valley community a coupon for $5 off any dine-in purchase of $25 or more. Roma’s Pizza has some of the best hot sandwiches in town. Roma’s is flexible in making changes to their menu based on your taste buds! If you want hot peppers on a sandwich that doesn’t normally have hot peppers, no problem! Roma’s offers exceptional food at a price that everyone can afford. We highly recommend taking advantage of their Local Partner Coupon.

Pizza LansdaleTo get access to this month’s local partner offer from Roma’s Pizza, you can either sign-up to become a Vinart Insider and we will email you a link to the coupon OR you can connect with Vinart Dealerships on Facebook, and we will post the coupon as an image to our Facebook Wall. Simply locate the coupon, click to print it out, and then bring it with you the next time you are craving a great hot sandwich!

Roma’s Pizza is located at 410 Walnut Street in Lansdale, PA. Stop by for great sandwiches, pizza, or appetizers the next time you’re the area. Be sure to bring along your Local Partner Coupon so that you can save some cash! We hope that you’ll help support our local community by giving Roma’s Pizza a try!

Vinart Dealerships Email Insider Program

Lehigh Valley Car DealershipThere are two ways to sign-up to become a Vinart Insider: via email and via mobile phone. The Vinart Insider program is free to everyone and provides you with great Insider Savings opportunities on new and used vehicles, service, and parts. Vinart Insiders also get access to our local partner coupons. We hope that you will sign-up for the Vinart Email Insider Program.

Vinart Dealerships Mobile Insider Program

Lehigh Valley, PA Car Dealer Mobile CouponIf you’d rather receive Vinart communications on your mobile phone, we can do that too. No more printing out emails and bringing them with you each time you want to use a coupon. Now, to join our mobile Insiders program, simply text LVINSIDER to 639227.

Vinart Dealerships on Facebook & Twitter

Lehigh Valley PA Car Dealer on FacebookLehigh Valley, PA Car Dealer Twitter

Vinart Dealerships is on Facebook and Twitter. We hope you will connect with us so that we can begin to get to know you better.

Auto Review: 2010 Genesis 3.8L

The 2010 Genesis 3.8L features a 6-speed automatic transmission with 290 horsepower at 6,200 rpm. The fuel economy is 18 mpg in the city and 27 on the highway, making it comparable to similar vehicles in the same class. The gas engine also showcases multi-port fuel injection. With 24 valves, this Hyundai vehicle offers dual overhead cam / twin overhead cam.

2010 Hyundai Genesis 3.8L

Cargo volume is 16 cubic feet. Passenger volume is estimated at 109 cubic feet by the EPA, but the manufacturer says 109.4 cubic feet.

The driveline is rear wheel drive and the steering is rack and pinion with independent struts on the front and the rear.

Seating 5 passengers easily, the Genesis offers 40.4 inches of head room for front passengers and 37.7 inches of head room in the rear. Front passengers get 54.9 inches of hip room while the rear passengers get 54.3. More importantly, leg room is 44.3 and 38.6, respectively.

The safety conscious driver will be glad to know that Hyundai’s airbag system is top of the line. As a standard, the Genesis comes with driver and front passenger airbags, a passenger airbag cutoff switch and sensor, a front side airbag and a second row side airbag, and side head curtain airbags. Other standard safety features include:

  • Side guard door beams
  • Child safety door locks
  • Trunk anti-trap device

For theft prevention the 2010 Genesis 3.8L features valet lockout and locking fuel filler door or gap as standard features and wheel locks as an option.

A premium navigation package and a technology package are options that you can use to make your 2010 Genesis special as well. Other standard features include:

  • Child safety locks on rear doors
  • Traction control
  • Electronic brake force distribution
  • ULEV II emissions
  • iPod and USB audio input jacks
  • Front fog lights and automatic headlights
  • Compass
  • Tire pressure monitor
  • Keyless entry
  • Tilt steering
  • Leather seats
  • And a lot more

The 2010 Genesis 3.8L has a lot to offer the discriminating driver.

Auto Review: 2011 FCX Clarity

Honda is one of the innovators in auto manufacturing entering into the 21st century. The evidence of this is the 2011 FCX Clarity, an unusual vehicle in its use of fuel cell technology.

2011 Honda FCX Clarity

Fuel cell technology is a type of technology that converts a source fuel into electrical energy. There are a variety of types of fuel cell vehicles, but the Honda FCX Clarity is one that relies on hydrogen as the source fuel. In 2009 the FCX Clarity was named the World Green Car. It’s fuel efficiency is better than the average gasoline-powered vehicle and it achieves zero emissions, making it a true environmental enhancement to modern driving.

The first thing you’ll notice about the Clarity when you open the hood is there is no engine. The vehicle drive technology relies on a V Flow FC Stack. That’s a vertical flow fuel cell stack that enables the free flow of hydrogen and oxygen, which increases fuel efficiency and cleaner emissions.

Along with the innovation in revolutionary new emissions and under-the-hood technology, Honda has introduced a sleek new body design that puts a front wheel drive drivetrain on the first hydrogen-powered fuel-cell vehicle along with a lithium-ion battery for smoothness and maximum acceleration control. Honda introduced this technology in 1999 and has spent the last 11 years perfecting it so the 2011 FCX Clarity promises to be a true front runner.

As you drive the FCX Clarity you’ll feel like you are entering the future, and you really will be. Other auto manufacturers have not caught up with this technology and it will be a long time before they do. If driving green is on your mind, you’ve got to try the 2011 FCX Clarity by Honda.

Why you should Check your Hyundai Wiper Blades

Wiper blades are definitely one of those things you normally don’t think about unless it’s raining. The problem is that when it’s raining it’s usually too late to change them. The need for visibility while driving any vehicle is pretty obvious, so it won’t be explained here. If you’re not sure why visibility is important, please walk to your nearest DMV and surrender your license.

When to Change Your Hyundai’s Wiper Blades

You should change the wiper blades on your Hyundai car every 6 months. One easier reminder is to change them at the same time you change your clock for daylight savings time. The 6 month time period is meant as a maximum time period. If your Hyundai wipers show signs of needing replacement, please don’t wait until daylight savings time.

Here are some signs that your wipers need replacing

Streaking: If the wipers are leaving streaks on your windshield, this is usually caused by some kind of substance (road tar, tree sap, etc) stuck to the wiper. The substance may be removed, or you may need to replace the wiper.

Bouncing: “Bouncing” occurs when the wiper bounces along the windshield instead of making a clean arc. Usually this results when the wiper blade develops additional curve which can happen if it’s spent too much time parked against the windshield.

Worn Rubber or Split Rubber: Over time and use your Hyundai’s wipers blades will wear and lose rubber. As well, the rubber may split due to age and the ultraviolet rays of the sun. In this case the blades should be replaced.  Bent or Damaged Wiper Frame: Sometime due to ice scrapers, car washes, or just plain vandalism the actual wiper frame itself will get damaged. This is a definite replacement situation.

What to Know When Replacing Your Wiper Blades

To replace your Hyundai’s wiper blades, you need only know the make, model, and year of your vehicle. You can visit an auto parts store or take your car into your Lehigh Valley Hyundai dealership. The auto parts store should have a catalogue to let you know which make of wiper to purchase.

Hyundai Wiper Blade

Wipers have three basic parts: the arm, the wiper which holds the blade, and the rubber blade itself. All three can be replaced, but often only the rubber blade needs to be replaced.

A final word on windshield wipers: while it is important to ensure your windshield wipers are in good condition, don’t forget the windshield fluid. This is also something we often don’t think of until we need it, but you don’t want to find yourself in a situation where you need it but have run out.

Watching Out for Honda Repair Scams

If you need to have service on your Honda vehicle, you need to watch out for scams. While the vast majority of auto repair shops are honest, there are those that will charge for work that wasn’t done.

How can you avoid common repair scams? One thing you can do is to ask to look at the work that was performed. Ask the Honda repair shop to show you what part of the car was worked on, and where the new part is located, if there is one.

Honda Service

Another good practice is to request to see the parts that have been replaced. In many states, repair shops are required to save any parts that were replaced and either give them to you or show them to you at your request.

You should also make sure to get a receipt that details the work that was done to your Honda. That way, if the same part breaks down in a couple of weeks, you have a strong case that shows that the part was supposed to have been replaced.

The best way to avoid auto repair scams is to have your repairs done at your local Lehigh Valley, PA Honda dealer, where certified mechanics stand behind their quality work.

Get Your Auto Loan Quote In Writing

It often happens that a person will ask about an auto loan then go away only to return some future day hence expecting the same loan rate. But to the person’s surprise the quoted loan rate had gone up. There was no written quote or document stating the quoted amount so the borrower lost his chance to get a loan at a lower rate. This could have been avoided by getting your auto loan quote in writing.

Contract

However, understand that just because you got your quote in writing doesn’t mean that you are guaranteed those quoted rates. If you wait too long then the rates will go up and the quote is no good. If, for instance, you waited six months then you waited too long and you’ll need a new quote in writing.

By getting your auto loan quote in writing you protect yourself and your lender. No one can say that the deal you want to agree to is not a valid deal. A good auto loan quote will have the date of the quote in writing, the amount of the proposed loan and the interest rate. It should also include other pertinent details like the total price of the car you are buying and the make, model and year of the vehicle. This ensures that your loan applies to the specific vehicle you want to purchase.

An auto loan is an important business agreement. You need to understand all the details before you agree to it. Get it in writing.

Azentek SmartMirror Combines Navigation, Bluetooth and Back Up Camera

We just received our first SmartMirror that we are installing in a Honda.  This is a very cool gadget that combines the rearview mirror, a GPS Navigation System, Bluetooth and a Rearview Back Up camera.  One of the guys in the shop is installing this unit.  We will post more information and a video later.  This unit provides an attractive alternative to customers looking for the functionality that this system provides while maybe not wanting to step up to the trim level necessary to get a factory installed navi/bluetooth/back up camera system.  Stay tuned.  More to come…

Lehigh Valley Ladies Get a FREE Haircut at Blown Color Studio

We are really excited to announce that Blown Color Studio is our local partner for July! As you may have read, last month we partnered with Our Memories in Motion of Lenhartsvile. Blown Color Studio is an independently owned and operated hair color studio in Bethlehem. Blown Color Studio is offering our local Lehigh Valley community a great savings opportunity this month.

Haircut in BethlehemBlown Color Studio was the result of Christina Holben fulfilling a life long dream of owning and operating her own salon. In collaboration with her partner William Thompson, they acquired an existing operation and expanded that business as Blown Inc. Christina Holben has put together a team of experienced Hair Stylists who are ready to provide basic services on up to the most creative hair color designs.

Blown and it’s stylists are proud to receive the following honors:

  • 4-time 1st place award winning hair stylist
  • Certified Master Colorist
  • Extensive color-formulation experience

Haircut in BethlehemBlown Color Studio is offering local Lehigh Valley ladies a Free Haircut WITH Color Service. Blown is offering $15 haircuts for men. Not only that, but Blown is also offering you 20% off retail products. This is probably one of the best offers we’ve been able to make to the local community! To get access to this month’s local partner offer from Blown Color Studio, you can either sign-up to become a Vinart Insider and we will email you a link to the coupon OR you can connect with Vinart Dealerships on Facebook, and we will post the coupon as an image to our Facebook Wall. You can then follow instructions to print out the coupon and bring it with you to Blown Color Studio of Bethlehem.

Blown Color Studio is conveniently located at the Main Street Commons in downtown Bethlehem, at 597 Main Street, Bethlehem, PA, 18018. Blown serves the community of Lehigh Valley, encompassing Northeastern Pennsylvania and Northwestern New Jersey. You can connect with Blown Color Studio on Facebook or call 610-694-8989 to schedule your service today.

Vinart Dealerships Email Insider Program

Lehigh Valley Car DealershipThere are two ways to sign-up to become a Vinart Insider: via email and via mobile phone. The Vinart Insider program is free to everyone and provides you with great Insider Savings opportunities on new and used vehicles, service, and parts. Vinart Insiders also get access to our local partner coupons. We hope that you will sign-up for the Vinart Email Insider Program.

Vinart Dealerships Mobile Insider Program

Lehigh Valley, PA Car Dealer Mobile CouponIf you’d rather receive Vinart communications on your mobile phone, we can do that too. No more printing out emails and bringing them with you each time you want to use a coupon. Now, to join our mobile Insiders program, simply text LVINSIDER to 639227.

Vinart Dealerships on Facebook & Twitter

Lehigh Valley PA Car Dealer on FacebookLehigh Valley, PA Car Dealer Twitter

Vinart Dealerships is on Facebook and Twitter. We hope you will connect with us so that we can begin to get to know you better.

Keep Your Honda Running Smooth with Basic Maintenance

Your Lehigh Valley Honda dealership wants you to know the best way to keep your Honda running in optimum condition and your resale value up. There are a handful of things you can do to keep up your Honda that don’t take much money or effort.

Honda Scheduled Maintenance

Some of them include:

  • Keeping a Clean Air Filter. Your air filter catches all of the dirt and dust that tries to get into your engine. Eventually, that stuff builds up and blocks the filter. Replace your air filter when it gets too dirty.
  • Regular Battery Maintenance. From time to time, take a peek at your battery to make sure the casing is clean. Make sure the connectors aren’t eroded, and that there aren’t cracks or bulges. If you find corrosion, clean it with water, baking soda and a brush.
  • Change Your Oil. You’ve heard it a million times: oil is your car’s life-blood. Over time, it breaks down. Follow your manual to know for sure how often to change your oil. Usually, that will be around every 3,000 miles.
  • Maintain your tires. Make sure your tires have the right amount of air. Not only will it prolong the life of your car, it’ll help save money on gas.

If you require Honda maintenance in Lehigh Valley, PA, visit our dealer today.

SEO Powered by Platinum SEO from Techblissonline