Category Archives: Financing

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How to Get a Car Loan with Bad Credit

Online Pre-Qualification at U.S. Auto Sales

Are you in the market for a reliable vehicle? Do you have struggling credit? No matter your credit score, you should be able to get access to a car you can afford and depend on for work, school, and running errands. However, getting qualified for a car loan can feel daunting if you don’t have excellent credit. Here’s how you can get a car loan with bad credit with our online pre-qualification application at U.S. Auto Sales.

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What are the Benefits of Cosigning a Car?

Why You Should Consider Getting a Cosigner

If you have challenged credit, you may find it more difficult to get qualified for a car loan. Thankfully, there are ways to improve your chances, and one of them is to cosign with another person. What are the benefits of cosigning a car? Are there any drawbacks? Here, we will explain why you should consider getting a cosigner.

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Can a Full-Time Student Get a Car Loan?

Ways Students Can More Easily Get Qualified for an Auto Loan

Students typically face a lot of challenges when shopping for a car. These young adults typically have little or no credit history. Also, many students don’t have jobs as they are studying for school full-time. Will this student pay on time? Can this student afford the car in the first place? Due to these risks from the lenders’ perspectives, students are likely going to have more difficulty qualifying for a car loan. Full-time students can get a car loan, however, if the proper effort is taken to minimize those financial risks for the lenders. Here are a few ways you can more easily get qualified for an auto loan as a student.

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What is the 50/30/20 Budget Rule?

Easy Budgeting Method to Save Money Every Month

Having a hard time budgeting? Want to save some money every month? Determining your budget for a variety of different things can be time-consuming and feel difficult. The 50/30/20 budget rule is an easy way to figure out how much you can afford for necessities, wants, savings, and debts. Here, we will walk you through how you can figure out your budget using the 50/30/20 rule.

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How To Save Money On Your Groceries

Groceries can be a formidable expense each month, but with a little planning you’ll be amazed at how much you can save. Here are some ways to significantly cut the cost of your monthly groceries.

Shop around

On a day where you find yourself with a little extra time, check out all the supermarkets in your area. Take time to walk around and check out prices on items you purchase frequently. You will be amazed at how much the price can vary from store to store. You may find one store is significantly lower on packaged items such as granola bars, chips, cereal, etc., and another may be cheaper when it comes to produce or meat. Although this may mean shopping at more than one store, it could save you serious money.

Store brands

Whenever possible, buy store brand items versus the name brand. Quite often they are nearly identical, but cheaper. In fact, many store brand items are made by the same companies that make the brand name products! Most supermarkets have their own brand for grocery items, pharmacy items, and paper products.

Weekly flyers

Taking the time to go through the supermarket weekly flyers and planning your menu based on what’s on sale can save a ton of money. This again may require shopping at more than one store but can be worth the extra time. Most stores have great weekly deals on meat, so stocking up and freezing some will also help save money. Be careful not to purchase items you would not normally buy just because they might be a good deal.

Rewards programs

Sign up for your local supermarkets’ reward programs! These programs offer a number of features, including:

  • Money back on store brand items
  • Points towards fuel
  • Online coupons
  • Coupons towards frequently purchased items
  • Coupons towards new items

Many of these programs also offer a phone app, and the coupons are digital. Just take a little time and select the coupons on the app before you go shopping, and they’re automatically applied at checkout. No need to remember to hand over a pile of clippings!


While it can be time-consuming to cut coupons, the rewards can be worth it. If you get the Sunday newspaper, or have family or friends who do, ask them to save the coupon inserts for you.  You can use several of the same coupons you purchase that number of items. For example, if you buy granola bars every week and you find a coupon, you can use three coupons if you buy three boxes. Also keep in mind that coupons are often valid for at least a month, so shopping the flyers and using the coupons when they are on sale will save you even more money!

Shop early or late

Most stores will discount deli and meat items after a certain time in the evening based on the expiration date. Shopping late at night will give you the best chance of being able to buy meat at a discount price, but you might have luck first thing in the morning as well.

Saving money on meat has a significant impact, as meat and seafood make up an average of 20% of Americans’ grocery costs, according to the US Bureau of Labor Statistics. One thing to keep in mind is that you’ll need to either eat the discounted meat within a couple days of purchase or freeze it immediately.

Even if you choose to try only a couple of these money saving tips, you are sure to notice it in your grocery bill!

File Taxes and Buy A Car on the Same Day

Benjamin Franklin is often attributed with coining the phrase “… two things are for certain, death & taxes.”

Many Americans will spend the early months of 2020 preparing for the April 15th tax filing deadline. However, there are plenty of positive benefits to filing your tax returns. Not only are you obeying the lawful requirement of submitting taxes, but you stand a good chance of receiving a hefty tax refund.

It is common during tax season for buyers to purchase a used vehicle with their refund. Did you know you can visit the nearest US Auto Sales location to file taxes using Tax Max services? Tax Max is a third-party company that can help you file your federal and state taxes.  A sales associate can help explain how your tax refund can be used as a down payment on your purchase from U.S. Auto, allowing you to drive away today.*

There are over 25 US Auto Sales dealerships nationwide that have access to over 2000 cars in our inventory. You may be able to knock out your taxes and purchase a car on the same day.

Customers looking to buy a used car should be sure to bring the following documents with them to the dealership:

  • Social Security Numbers
  • Date of Birth
  • Driver’s License (proof of identification)
  • Income Documents (W-2, 1099-C, etc.)
  • Bring documents for all family members, if filing with spouse and/or claiming children
  • Additional documents may be required.

If you need more information, be sure to check out the 2020 Tax Max special. The knowledgeable associates at US Auto Sales are ready to help you buy a car at tax time!

*Up to $6,000 same day tax refund anticipation loan on debit card less Tax Max and loan fees.  Refund paperwork prepared by Tax Max; not U.S. Auto Sales.  U.S. Auto is not an agent, principal, owner, or affiliate of Tax Max.

Top Rated GPS Apps and Standalone Devices for Your Vehicle

You have your US Auto Sales car, and the road beckons. But how do you get where you’re going? Those roadmaps from the local convenience store aren’t going to cut it anymore. Here are the best mapping apps for your phone, and a few standalone devices that don’t require internet access.

Google Maps – Google Maps is an outstanding GPS navigation system compatible with both Android and iPhone. Not only does it give you accurate information on directions, but it will also automatically reroute you based on live traffic, construction, and accidents. The app also gives many local suggestions for food, activities, events, etc. Bonus – if your vehicle supports Android Auto or Apple CarPlay, you can use it right from the touch screen in your vehicle.

Waze – This app is a favorite among the younger generation. It not only navigates, but warns you about police sightings, hazards, and will reroute you based on traffic, construction, and accidents. It also has a feature that will allow you to record your voice or anyone else’s to use as your navigation, and you can even play music through it.

Sygic GPS Navigation – Heading a little farther off the beaten path? Sygic offers reliable off-line maps as well as real time traffic information. Maps are updated multiple times a year at no additional cost. It keeps track of your speed, warns you when you go over the limit, and has many other safety features as well.

MAPS ME – Another off-line navigation app, MAPS ME keeps up to date with any changes to road conditions. You can use this navigation system anytime and it will also bookmark your favorite locations. Another good option for spotty or non-existent internet.

Standalone GPS Devices

Garmin DriveSmart 55 and Traffic – An excellent entry-level device from a well-known GPS navigation company, the DriveSmart55 has a responsive touchscreen and easily mounts to the windshield. Unfortunately, it only covers 49 states. Maps for other regions must be purchased separately. Starting at $149.99.

Atoto A6 Double Din Android Car Navigation Stereo – This GPS device stands out from the crowd because it is not only a GPS navigation system but also includes popular music apps and radio features and Bluetooth. It’s a little buggy, though, with reviewers reporting occasional screen freezes and audio loss. Starting at $159.99.

Tom Tom GO 620 6-inch GPS Navigation Device – Tom Tom is known for accuracy and fast signal, but some feel that it not as easy to use as other systems. It has 3-D imaging, voice control and hands-free calling. The downside is that it must be linked to a smart phone to access live traffic data. Starting at $209.99.