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You were eyeing a used Silverado when you spot the new 2019 Chevrolet Silverado 1500. Looking at its custom cab and bright white paint you wonder, "Does this have the features I want? Would a used Silverado be just as good?" With a car as great as the Chevy Silverado, it can be hard to decide between new and used. If you need a little help, read on to see the features of both the new 2019 Silverados and the classic Silverados of 2012. The 2019 Chevy Silverado Features For 20 years, the Silverado has been a staple for people who know what work is. They have come to depend on the Silverado's horsepower and advanced trailering technology. Each new generation has improved on the last, creating a truck that gets the job done right the first time. MyLink infotainment system works with Android Auto and Apple CarPlay. With 7 million miles of testing and a stronger build, it's no wonder people want to see what the 2019 Silverado can do. The features of this year's brand new Silverado include: Push-button start MyLink infotainment Drive mode selector Push-Button Start One difference between the new and used Silverados is the push-button start. Imagine this a moment: You have a huge meeting coming up and you can't be late. There's just one problem. You can't find your keys! You dashed to the kitchen where you grabbed your coffee, and checked and rechecked the bathroom. No matter where you looked, the keys weren't there - until you realized they were in your pocket the whole time! "I must have put them there automatically," you think. You just barely make it to your meeting. With the push-button start, you won't have this problem anymore. All you have to do is keep your keys close to the car and you start it with a single button push! How's that for easy! MyLink Infotainment The 2019 Chevy Silverado comes equipped with MyLink Infotainment. This infotainment system works with Android Auto and Apple CarPlay.  MyLink allows you to keep your devices connected while your eyes are connected to the road. Like to listen to music as you drive? Or maybe you want to catch up on your podcasts. With a few simple taps of the touch screen, you can play whatever you'd like while your phone is safely stored away. You could even get serious with your music with apps like Sirius XM and Pandora. Need to keep up with people on the road? With MyLink you can accept calls, make calls, and even get texts! Drive Mode Selector Chevy knows that the weather and the road are never the same twice. That's why the 2019 Silverado comes equipped with a drive mode selector. Drive mode selector allows your truck to adapt to many road conditions. Driving on icy roads? Just choose Snow/Ice mode for a smooth and safe ride. Or you can use tow/haul mode to help you carry a load. Want to explore the path less traveled? Just choose the off-road mode for a comfortable ride. Depending on the model other drive modes could be: Tour Sport Terrain Richard Hammond of Amazon's Grand Tour chose a used Silverado as his truck for the series' Columbia Special. Used Silverado Features Dan Cummins is the leading Silverado dealer in the southeastern USA, and with good reason. Used Silverados have proven themselves to be workhorse trucks people can depend on.  They are so dependable, in fact, that Richard Hammond of Amazon's Grand Tour chose a used Silverado as his truck for the series's Columbia Special. Hammond drove through rough terrain, vast fields of grass, and dusty mountainsides. The used Silverado excelled through it all, showing the world what used Chevy owners already know: Wherever you're going, the Silverado will get you there. Dan Cummins Chevrolet has many used Silverados in stock, like the 2012 Chevrolet Silverado 1500. This truck sports many features, including: A crew-sized cab.  If you need to bring some backup manpower, the 2012 Silverado has got you covered. The cab can fit as many as 6 passengers. 40/20/40 bench seat with a folding center console. If you're grabbing lunch it's good to know you'll have a center console to hold drinks. When you're done you can flip it up so it's out of the way. Trailer hitch and hookup. Any truck worth the Chevy name should have a trailer hitch and hookup so you can attach what you need. A boat for a sweet weekend at the lake, a u-haul to help a buddy move, whatever you need to cart along the Silverado can tackle it. Chrome grill and bumpers for a stylish look that exudes power and strength. This used Silverado comes with an XM-AM-FM-CD radio so you can enjoy your favorite CDs. It also comes with an AUX port so you can take full advantage of your phone's music and navigation apps. Like all used trucks on the Dan Cummins lot, this used Silverado has been inspected by our ASE technicians. Contact Dan Cummins to See Our Used Silverados Today! See for yourself what a used Silverado has to offer!  To find out which Silverado meets your requirements, talk to our friendly staff. Leave a message or call us at 877-661-2805. Click here to apply for auto financing and get pre-approved in seconds. 2019 Chevy Silverado Features | Dan Cummins Chevrolet & Buick – Louisville, KY

Your car payment was not something you planned on researching today, but after spotting that perfect new vehicle, you knew you had to. Ever since you were a kid you wanted a fun vehicle to drive, or a powerful truck to haul your favorite weekend toys with. Best part, you have a car to trade in! "I wonder, though...what will my new car payment be with the trade-in?" Read on to see how you can figure out your new car payment with your trade-in. With Credit Karma, you can check your credit score for free 24/7, 365. The Tools We know this subject might seem scary. Until you know the real number any payment might seem like too much. That's why we've compiled a few tools for you to use. Each of these tools helps you figure out your credit score and what your current ride is worth. These tools are: Credit Karma Kelley Blue Book Dan Cummins Car Payment Calculator Credit Karma Knowing your current credit score is essential to figuring out car payments. Even with a trade-in, you should still look up your credit score. That's why we suggest using a service like Credit Karma. With CK, you can check your credit score for free 24/7, 365. The best part of this service is that since each credit check is a soft inquiry," it won't affect your score. You could literally check your score after each bill payment without it affecting anything. This also helps in case you need to buy more than one car in a short period. You can use Credit Karma to help you figure out what you'll pay for the Sonic. Then, just a few weeks later, your spouse's car quits on you. Not fun. However, because you're using Credit Karma, it won't matter. You can check your score before you start shopping for your spouse's new ride. "What about TransUnion and the others?"  You can still use websites like Experian, Equifax, and TransUnion if you're more comfortable with them. Just know they only allow one free credit check per year. Once you've got a handle on your credit score it's time to check in with Kelly. Kelley Blue Book Kelley Blue Book has helped people price cars since 1926. It started as a way to value Model T Fords and is now the standard in car pricing. In fact, this tool is so effective that it's the only external car payment tool we include on our website. Use Kelley Blue Book to find out the possible price of your new car. It's pretty simple to use. All you have to do input the make, model, and a few other details to find out what your car could be worth. Or you can put in your license plate number and state information for a more complete estimate. As we have mentioned before in other posts about car payments, you can also use Kelley Blue Book to find out possible prices for the new car you want.  Once you have that information, it's time to head over to the Dan Cummins Car Payment Calculator. The Payment Calculator By now you should have a good idea of your credit score, your current car's value, and the price of the car you want. Then, with that information on hand, plug it into the payment calculator. Within moments you should have a solid idea of what your car payment will be with your trade-in. To get a clearer idea of how this works, let's run through an example. Suppose you want a 2021 Chevrolet Sonic. The price is about $17k. Your credit score is pretty average, so your interest rate is about 4.9. The car you're trading in is a 2014 Toyota Camry LE with all the standard equipment. You're not putting in a down payment and your loan term is 36 months. Plug that into the payment calculator and your monthly payment should be $241. The beauty of the Dan Cummins Payment Calculator is that it works with any type of car you want to buy. As long as you know what the price is, and what your trade-in is worth, you are good to go! Contact Dan Cummins to See What Your Car Payment is Today! See what your car payment could be with the Dan Cummins car payment calculator. To find out which car meets your requirements, talk to our friendly staff. Leave a message or call us at 877-661-2805. Click here to apply for auto financing and get pre-approved in seconds. What Will My Car Payment be with Trade-In? | Dan Cummins Auto Group – Louisville, KY

You've been thinking about a car payment lately - especially since you spotted that new Chevy Silverado on the lot. Eyeing its new wheels, big grille and spacious truck bed you start to wonder something. "Will a car payment affect my credit?" We hear you. If you want to know if your car payment can affect your credit, read on. You can get a free credit report every 12 months. Your Credit Report Before we get into the meat of this article, lets first focus on the potatoes: where to find your credit report. There are four companies that have information on your credit score. They are Experian, Equifax, TransUnion and Credit Karma. You can get a free credit report from them every 12 months to ensure your credit score is being reported correctly. There are two important things to look at when viewing your credit score: Account types and current status. Account Types: This where all your accounts that factor into your credit score are listed. Car payments, like college loan and mortgage payments, are listed as installment accounts. This means that you're paying a set amount each month for a set number of payments. Current Status: This is the status of each account. If you don't miss payments at all and pay on time, your account should be listed as "current" or "paid as agreed." It's ALWAYS a good idea to pay on time. To avoid high payments, check out this post on car payments and the Dan Cummins payment calculator to see what you can afford. If your credit is checked several times in under 30 days, all credit checks within that time are counted as one. So, What Does Affect Credit? "Alright," you might be thinking. "What does affect credit?" There are two things that affect your credit score. One is car loan shopping. Every time you shop for a car and its loan your credit does take a hit. But there is a little trick you can use to minimize this hit. Suppose you need a new truck. You've recently bought a spot at an antique shop and need something to haul your inventory. Before you rush off to test drive trucks, research what one you want. Then, once you have a pretty good idea of the make, model, and price, keep your car shopping short. Finance your new truck within 30 days. Why? It has to do with credit checks. Each time you get a loan (car or otherwise) your credit score is checked. The more checks there are, the more they negatively affect your credit score. However, if your credit is checked several times in under 30 days, all credit checks within that time will be counted as one. So instead of it looking like your credit is being pulled several times, it will look like your credit score is being pulled only once. "What if I need two buy two cars?" Life happens. Just when you've settled on your new car, your partner's car breaks on you.  Just be sure to complete their car purchase within the 30-day window and you should be fine. So what's the other thing that affects your credit score? Keeping up with your car payments. Making consistent car payments does improve credit. Yes, Financing Your Truck Can Help While it's true getting your credit checked for a car loan negatively affects your score, payments offset that. How? Let's say you decided to finance that 2019 Chevrolet Silverado. It has everything you need and couldn't be happier. Each time you make a car payment on time your credit score improves. That's because the payments show you're reliable and are making enough income to cover the payments. In fact, having a car payment can improve your score so much it can help you with other loans. Imagine this a moment. You've been living in an apartment and want to upgrade to home ownership. You look at your savings/bank accounts and get a pre-approval for a loan. Then, after finding your perfect starter home, you begin applying for a home loan in earnest. As the lender looks over your accounts and information they'll also see your credit score. And because you've been making steady, on-time car payments your credit score is pretty decent. This makes lenders more willing to give you an affordable interest rate. "But how can I make sure my car payments are affordable?" Check Out Our Payment Calculator Credit score improvement hinges on the fact that you're making payments on time. So what can you do to make your car payments are easy to make? Use Dan Cummins Payment calculator. With this simple tool, and some quick information from you, you can find out exactly how much you can afford each month. That way, you can plan your budget so your payment is easy to make without fail. Contact Dan Cummins to See What Your Car Payment is Today! See how you can improve your credit with Dan Cummins car payment calculator. To find out which car meets your requirements, talk to our friendly staff. Leave a message or call us at 877-661-2805. Click here to apply for auto financing and get pre-approved in seconds. Will a Car Payment Affect my Credit? | Dan Cummins Auto Group – Louisville, KY

Used Cars under $10000 With approximately 100 used cars under $10,000 Dan Cummins in Paris has been chosen as best place to shop for a car in Lexington KY by thousands of shoppers.  It's easy for a dealer to stock expensive new and used cars on their lots but the less expensive cars under $10,000 are really difficult to come by.  You deserve to find the right car at the right price for under $10000! Demand for these automobiles is extremely high!  There are many reasons for this but the primary one is cost.  The lower the cost equals the lower the payment if you are financing the car.  If you are paying cash, well, the answer is obvious.  The biggest benefit to choosing Dan Cummins as the place to shop for this price range used car in Kentucky for under $10000 is our selection and volume.  In the under $10000 category there are approximately 100 vehicles in stock at all times at Dan Cummins in Paris!  This great selection gives you a lot of options in one location and therefore it also allows you the opportunity to find the right fit. Used Trucks Under $10,000 Dan Cummins Chevrolet is the #1 selling Silverado dealer in the entire Southeastern United States!  That's right.  From Kentucky to Florida, we sell the most Silverados and therefore we always trade for the best used cars from our awesome customers.  They sell fast and although finding a used truck under $10,000 can be a challenge.  We always have some in stock.  You may also want to adjust the pricing filter once on our site to include trucks under $15,000 and trucks for sale under $20,000 to show you more options.  Trucks have traditionally held their value pretty well, especially 4-Wheel drive trucks and Diesel engine trucks due to their longevity. Click the Shop Now link to the left and go exploring! Used Cars Under $10,000 If you are looking for a used car under $10,000, there is no better place to shop than on our website.  You'll generally find Toyotas, Chevrolets, Fords, Hondas, Nissans and more.  For some shopping tips, you can keep reading this blog post below and I'll list for you the Top 5 Things to Look for on used cars under $10,000.  Our dealership is known for carrying a huge selection of used cars, used trucks and uses SUVs.  In fact, we've been nationally ranked in the top 10 for the most used cars sold by a franchised car dealer.  We're very proud of this and so appreciative to our many loyal customers. Click the Shop Now link to the right and go check out some of our used cars under $10,000! Used SUVs Under $10,000 SUVs for sale under $10,000 are hot!  The popularity of the SUV has grown exponentially over recent years and being able to find one listed for sale under$10000 can be challenging.  We always stock plenty on our website www.dancummins.com and we sell them very quickly.  You'll find 4x4 SUVs under $10,000, 3rd row seat SUVs under $10,000 and even SUV's for sale under $10,000 that come with our Lifetime Powertrain Guarantee!  You can read more about this below in the blog post.  I recommend expanding your price search on the website filters to include SUV's for sale under $20,000 as well so you can compare the value factor and get the most bang for your buck. Click the Shop Now link to the left to go exploring through our SUVs under $10,000! Lifetime Powertrain Guarantee! Finding a car that is under $10,000 can also be a risky investment.  However, at Dan Cummins in Kentucky, you can often find used cars, used trucks, and used SUVs that come with a Lifetime Powertrain Guarantee!  This Lifetime Powertrain covers the components that can cost up to $8,000 to repair such as the engine, transmission, drive axle, and transfer case.  Dan Cummins usually has a lot of cars that come with this guarantee.  You can search for these cars while on the website by filtering the mileage to under 80,000 miles.  Unless it's a supercharged car, an exotic, or a high-line vehicle such as BMW, Mercedes, and the like, you can find models that come with this coverage at no extra charge! That makes buying a car for under $10,000 an even better deal!  This may be one of the reasons that the pre-owned vehicles on our lot sell so quickly.  But this isn't the only coverage that cars under 80,000 miles come with.  You'll also get a no-charge 3 month or 4,000 mile comprehensive warranty that covers items such as electrical, air conditioning, suspension, and much more.  Now that's bang for the buck! Top 5 Things to Look for on Used Cars Under $10,000 There are many things to look for when shopping for a used vehicle in the $10,000 price range.  Some of the top things to look for are the car's ownership history, the service records, it's current condition, information about the selling dealer, and whether or not it's a good deal!  Some people only focus on the numbers which is a dangerous thing to do.  Buying the cheapest car within 500 miles seems like a win...until you find out it has been in 3 accidents, 2 crime scenes, and had the nick name Rusty Salvage by it's previous owner.  Let's take a closer look at the top five. The History of the Car Has this used car been wrecked?  How many previous owners did this car have?  What region of the US is the car from? Is the title clean (not rebuilt, salvage, flooded, etc)?  These are the basic questions you must have answers to before wasting your time on a vehicle that you consider being a good deal.  You can find answers to these questions by studying the CarFax Vehicle History Reports that are on each vehicle listing on the Dan Cummins website.  We provide this information free of charge and the report is the FULL History Report.  CarFax is the most trusted document that details used car history.  There are other companies that provide information such as AutoCheck but this is not as reputable or reliable method to do your homework.  Knowing the history of used cars under $10,000 is very important. Service Records Proof Proof Proof.  Seeing is believing and we want you to see as much evidence and documentation as possible to help you make the right decision about a car.  We inspect and service our vehicles and often times the previous owner has given us service records on the vehicle that that traded in to us.  This is really important on a used car under $10,000.  Usually these cars have been on the road for years and their maintenance history is vital to know.  If there is no additional documentation in the used car, then you can also consult the CarFax to see maintenance history.  Some cars will even be given the "Regular Oil Changes" badge on the vehicle history report.  If I'm spending under $10,000 for a car, this is info that I'd want to know! Vehicle Condition You can read a CarFax, examine the vehicle description online, study third party research on the model itself from websites like Edmunds but you'll never fully know the condition until you see it with your own eyes.  We'll take the time to show you all 100 used cars under $10,000 if you like.  They all are different.  Some may have been garage kept.  Many have never seen the inside of a garage.  Others may smell like the Louis Vuitton store and others may smell like smoke.  You won't know until you use your senses on the lot to discover what is right for you.  Mechanically, speaking, we service and recondition the cars to get them road ready, but there are many other things that you have to experience for yourself.  We are nothing more that guides at the dealership.  We're not interesting in selling you anything but rather we want to help guide you through the purchase process by providing you as much information as we can.  Should you want to get a second opinion and have the car inspected by a third party shop, we encourage it.  We even have a 72 Hour Exchange Promise to allow you to change your mind and pick a different vehicle that is right for you.  Always check the condition of used cars under $10,000. The Seller Reputation is everything and you should definitely research the seller.  What does the Better Business Bureau say about the seller?  Are they an A rated business?  I know that we are at Dan Cummins because we simply take care of our customers and handle our problems that arise.  Did you read the reviews on Google?  Our reviews aren't perfect but you can see that we strive to answer and own issues that arise.  Read through the reviews on our Dan Cummins Google Business Listing.  At the time this article was written we have over 2,600 Google Reviews at a 4.7 average Star Rating.  Many of these reviews come from people just like you looking for used cars under $10,000.  Also, ask your friends and family about us.  There are thousands of people who have "Driven to Paris for a Dan Cummins Deal" over the years.  They'll tell you we are the place to do business. The Deal Is this a good deal on this used car under $10,000?  Is this a bad deal on this used car under $10,000?  That is the main question you have to know before pulling the trigger.  The above 4 factors should definitely weigh in on your decision because an accident free car that is a 1-Owner which shows plenty of service records on the CarFax History Report is more valuable than the others.  A used car under $10000 being sold by a reputable dealer such as Dan Cummins Chevrolet Buick Chrysler Dodge Jeep Ram will give you even more peace of mind.  We'll show you the vehicle's book values provided by Kelly Blue Book, NADA, and any other source you wish.  We'll show you others listed for sale at different dealerships and provide the data that shows ours is priced right.  And most importantly we stand behind our products by even providing our Lifetime Powertrain Guarantee on all those that qualify. Third Party Sites for used cars under $10,000 There are many websites that allow you to search through thousands of used cars under $10,000 in one place.  Some of the leading sites are CarGurus, AutoTrader, and Cars.com. AutoTrader has traditionally done an excellent job advertising used cars.  I can remember seeing the AutoTrader magazines in grocery stores and everywhere else you could imagine with pages and pages of used cars for sale.  There would be dealer ads, private party listings and more.  Most of the ads had one picture, a few words highlighting the vehicle, and a phone number.  My have things changed!  Now that magazine has become one of the world's most searched and visited websites.  There are thousands and thousands of vehicles listed for sale with tons of information that used to be invisible to the consumer.  It's easy to filter searches for the type of vehicle or the price range for which you are searching and this can save you time and frustration vs bouncing from dealer lot to dealer lot.  You'll see many of our used cars under $10,000 listed there for sale. CarGurus is considered one of the newer places to search for used cars online.  There model shows vehicles with their own Instant Market Value or IMV.  You'll see "Great Deal, Good Deal, Fair Deal, or OverPriced" on each vehicle listing when enough market data is present.  Of course you may think that finding only the vehicles with Great deal is what you want but, that is not always the case.  You have to dig deeper into the data on the vehicle to still make sure it's a Great Deal.  I'll break this down for you in another blog post.  This website has climbed up in the search rankings on Google to become one of the most relevant search sites online today.  You'll also see all of our used cars under $10,000 on CarGurus and you'll see the Good Deal and Great Deal rating badges on them. Cars.com has also reconfigured their site to give you the shopper tools to gauge value.  You'll also see "Great Deal, Good Deal" on the used car listings there.  They also do a pretty good job with giving you research tools to help you narrow down your vehicle choice. We list all of our used cars on these sites as well as on our own website www.dancummins.com.  But what is great about our site is that you have full access to the vehicle's CarFax History report pricing information, and access to our staff via chat, phone, email, and text.  We always carry around 100 vehicles priced under $10,000 and these vehicles usually require a bit more research.  We're here to answer all of your questions and to show you as many vehicles as you wish to test.  They're all located in one place right here at Dan Cummins in Paris, KY! Thanks for reading this post about our Used Cars Under $10,000! As always we thank you for taking the time to read this info about our used cars under $10,000.  Used car shopping carries with it an uneasy feeling for many people, but I can assure you that once you step into our showroom, those feelings will disappear.  It's our honor to assist you in finding the vehicle that YOU are looking for.  If we can be of assistance in any way please reach out to us.  You can contact us using the form below. Thank you and we look forward to providing you as much value as we can.   We want to become your trusted source for used cars and new cars in whatever price range fits your needs. Josh Cummins, owner

The 2019 Rocky Ridge Edition Silverado has arrived and you'll love this video! This all new 2019 Silverado 1500 has been up-fitted by Rocky Ridge Trucks and has arrived in Paris for sale at Dan Cummins Chevrolet just outside of Lexington, Kentucky.  By now you've hopefully seen the all new Silverado in a really cool TV spot that touts the all new Silverado as "a little bit Country and a little bit Rock n Roll.  Rocky Ridge Trucks has taken it a step further with this Altitude edition. Watch this Video on the Rocky Ridge and prepare to drool: Rocky Ridge Altitude Performance Additions: This Silverado 1500 has some serious equipment that has been added by Rocky Ridge  Check out this list: 6" Rocky Ridge Suspension Lift Kit 2.0 Nitrogen Charged Rear Shocks E-Coated Front and Rear Cross-Members E-Coated Full Front Skid Plate E-Coated Front Strut Tower Extension Compression Struts Brake-Line Relocation Bracket Add-a-Leaf Rear Spring 20" Chrome Off Road Mayhem Wheels 35" Mickey Thompson ATZ P3 Tires Rocky Ridge Caliper Covers Four Wheel Alignment Road Force Balancing Hypertech System Calibration Advantage Aluminum 5 1/2" Side Steps Flow Master Super 40 Muffler 304 Stainless Steel Exhaust Ultra Flex Bedcover Painted Fender Flares Stainless Steel Exhaust Tips Race Red Brake Caliper Covers Altitude Emblems Factory Options on this Silverado This Silverado has a factory sunroof, heated leather seats, 5.3L V8 engine, and Convenience Package II, Max Trailering Package.  You'll love the all new design and features like the remote tailgate release, power sliding rear window, and lots of new tie downs in the bed.  It's the Strongest Most Advanced Silverado EVER and it's right here at Dan Cummins Chevrolet in Paris. Click Here to Check Out our New Silverados Dan Cummins Chevrolet is the #1 Volume Silverado seller in the entire Southeastern United States!  We have a huge selection of trucks to choose from at all times.  We hope you enjoyed the video and that a new Silverado is in your future.

A new car payment. It's not a subject you think about a lot, much less at all. But you've been thinking about upgrading your ride lately - especially after you saw that 2019 Corvette Stingray. The sight of it brought you back to the first time you saw a Corvette. You and your dad were driving into town when you saw something low and sleek slide up next you at a stoplight. It was bright red and looked super fast. Eyes wider than dinner plates, you asked, "Dad...what's that?" "That," your dad said with a smile, "Is a Corvette." But as you think about finally getting your childhood dream car, you start to wonder about the car payment. "Is that something I can afford? And when is a car payment too high, anyway?" If you want to know when a car payment is too high, read on. 10% of your net pay should go towards your car payment. When is a Car Payment Too High? The General Rule Before you rush over to take a spin, you should first see if it's something you can afford. So how can you do that? By following the general rule. According to Nerdwallet, your monthly payment shouldn't be more than 10% of your net monthly take-home pay. So, if your monthly take-home is about $3,500 each month, then your car payment shouldn't be more than $350. "But that's barely anything!" We hear you. 10% sure doesn't sound like much. But don't write off that red Corvette just yet. There is a way you might be able to snag that Stingray. Enter the 50-30-20 rule. The Budget The 50-30-20 rule is a great way to get the car you want. So how does it work? We'll break it down for you. All 50-30-20 means is that you're splitting your net pay into three different categories. 50% of your net pay is for needs. These are the things you need to live, such as mortgage/rent payments, food, and transportation. Your car payment is part of this. Unless you're living in a large city like New York, a car is your lifeline to the outside world. A car helps you get food, hold down a job, and pick up/drop off kids to places as needed. 30% of your net pay is for wants. These are things like going to the movies, out to dinner, or vacations. They are things you don't need to live but are nice to have. 20% of your paycheck is for savings. These are things like paying off credit card debts and building a nest egg. As we said above, car payments fall under the needs category. You need a car to get around. So how can this budget plan help you slide into the driver's seat of a 2019 Corvette Stingray? Simple. Just put part of your car payment into the wants category. To help you visualize what we mean, let's use Dan Cummins car payment calculator. NOTE: The situation we're about to describe is purely hypothetical. Please speak with a Dan Cummins specialist for your actual monthly payment. Split your car payment between your needs and wants budgets. The Trick Suppose your net pay is $3,500 a month. The price of a 2019 Corvette Stingray is about $55,000. You have about $5,000 saved for a down payment and the car your trading in is worth about $5,000 as well. Let's also suppose that the Corvette will be your daily driver. Your interest rate is average, say about 4.9% and you plan to finance it for 72 months. According to Dan Cummins payment calculator, your monthly payment could be about $723. Sounds scary, right? Now we'll apply the budget trick. To do that, we'll take the $723 and subtract $350. That $350 is 10% of your net pay and part of the needs budget. What you're left with is $373. That $373 will then be taken from your wants budget. What you're basically doing is splitting the car payment between two budgets: the wants, and the needs. Keeping the balance is what makes this work. This means you have to plan each month knowing $373 will come out of your wants budget. As long as you factor that into your finances, there's no reason to restrict your car payments to 10% of your net pay. And with the Dan Cummins payment calculator, you'll get a good estimate of what you might pay before you're even on the lot. Contact Dan Cummins to See What Your Car Payment is Today! See how you can afford your dream car with Dan Cummins payment calculator. To find out which car meets your requirements, talk to our friendly staff. Leave a message or call us at 877-661-2805. Click here to apply for auto financing and get pre-approved in seconds. When is a Car Payment Too High? | Dan Cummins Chevrolet & Buick – Louisville, KY

A new car payment. It's not something you anticipated for the new year, but then your go-to car finally died. As you start to daydream about all the new cars you want to test-drive, a thought pops in your head: "What will my new car payment be?" If you want to know what your possible new payment might be, read on. Car payments are based on many factors, like interest rate and loan terms. What Goes Into My Car Payment? Before we get into what you could pay and where to calculate that, lets first go into the makeup of a car payment. As you might already know from previous cars, a typical payment is based on: Vehicle price Interest rate Loan term Down payment Trade-in value While all of this helps determine what you might pay each month, there are a few things to consider. It's not impossible to buy a car with bad credit. The first is your credit score. Unfortunately, the lower your credit score is the higher your interest rate will be.  That's why it's important to research your credit score to avoid buying a car on bad credit. We're not saying it's impossible or that you can't buy a car with bad credit. At Dan Cummins we have many specialists to help you. But if you want a high-end model with all the extras, it's best to know your credit score. Think Beyond Monthly Payment Another factor that affects your car payment is the loan term. This means the loan's duration. The longer your loan is, the smaller your monthly payment will be. This might seem like a great idea at first, but longer loan payments don't mean you're paying less. In fact, when you factor in interest, you could be paying more. For instance, let's say you're looking at a 2019 Chevrolet Malibu. The starting price is around 20K. Your interest rate is about 4.9% and you're putting $0 down. To keep the payments low you opt for a loan that's 84 months.  The car payment, interest and all, is $282 a month. Sounds great, right? Of course, it does! But by the end of the loan, your interest could total about $3,688. However, if you opt for a shorter loan term, say, 36 months, the total interest you pay drops to about $1,564. That's well under half of the first amount. "But wouldn't that make my car payments jump up?" Yes, it would, but the complete amount you pay for the Malibu would be less overall. Use services like Kelly Blue Book and Consumer Reports to see what others have paid. Ways to Lower Payments If you have your mind set on lower payments (we don't blame you), here are a few things you can do. First, try to put down as much as you can. The general rule of thumb is about 20% of the car's worth. If we went with the Malibu from before, the down payment would be about $5,000. "What if I have less than that?" Good question! While 20% is ideal, it's fine to come in with less than that. As long as your putting down something your car payments will be less than if you put down nothing. Second, see what others have paid for the model you want. How? By using Consumer Reports Car Buying Service. All you do is plug in the car you want, your zip code, and it will tell you what others in your area have paid. See what you could pay with Dan Cummins car payment calculator. You can also do the same with Kelly Blue Book. The bonus of using Kelly Blue Book is that you can customize your search beyond make and model. That way, you can see what others have paid for the exact model you want that has the exact extras you want. "Okay, this is great and all, but how can I really see what my monthly car payment could be? " We hear you. If you want to get a clear look at what your car payment might be, check out Dan Cummins Car Payment Calculator. All you have to do is plug in some information such as car price, interest rate, loan term, and down payment or trade-in. Press the calculate button and you'll get a pretty good idea of your car payment. Contact Dan Cummins to See What Your Car Payment is Today! See how you can afford your dream car with Dan Cummins. To find out which car meets your requirements, talk to our friendly staff. Leave a message or call us at 877-661-2805. Click here to apply for auto financing and get pre-approved in seconds. What Will My Car Payment Be? | Dan Cummins Auto Group – Louisville, KY

You want to buy a car and you really need to buy with $0 down payment. What are your options? Owning a car is a necessity. Whether for daily commute to work or dropping kids to school or running errands, it is one thing you can count on needing in your daily life.  Well, unless you have the cash to buy a vehicle straight out, then you'll need to obtain a loan.  When cash is not available, how do you buy without a down payment? Read on to know how to buy a car without a down payment. $0 Down Payment There could be many reasons for you to opt for buying a car with zero down payment. You might be hesitating because you are not sure if you can buy a car with bad credit. Otherwise, you might not be able to afford it at the moment, but you seriously need it. Hence, it leaves you in a dilemma. As a matter of fact, putting no money down to buy a car is possible. But first, you need to consider a few important things. The most important thing to review is whether this is the right car to buy at that moment. Try to find alternative options. Consider Buying Used Cars Vehicles cost more when brand new.  If your income doesn't support servicing a new vehicle loan for the full amount, then you'll be required to make a down payment to ensure that the payment fits your budget.  The bank has to be sure that you can afford the car.  If it's not possible to come up with a down payment to get the loan amount to an affordable level, you may opt to find a lower priced car to match your budget.  Enter the used car. Used vehicles are less expensive and may make a better fit for your budget.  The loan amount is lower and thus you have a better chance for the bank to give you a auto loan approval with zero down. “The best way to determine if you like a car is to go on a test drive.” Trade In Your Old Car Another way to not have to come up with cash for a down payment is to trade in your old car. Banks will see this in the same way as a down payment if your car has equity.  Equity in a car means that it is worth more than what you owe on it.  If you have a "free and clear" trade, then that means there is no loan balance and thus it's the best scenario to be in. Trading in the car with equity will reduce the loan amount in the same way as a down payment and thus make the loan more affordable to you.  In some states like Kentucky, this will reduce your sales tax on the car deal as well. Know Your Credit Report Firstly, assess your current financial situation. Your financial situation is what your lender considers when approving your loan. In particular, your credit report and credit score become deciding factors in whether or not the loan is approved or if you need a down payment. Some auto lenders won’t let you buy a car with bad credit rating.  Or if you are approved, they may ask you to make a considerable down payment on the loan.  This shows commitment to the vehicle and in their eyes makes it less likely that you will let the vehicle get repoed. Conversely, good credit might get you a zero down loan with a nice low rate.  This will be especially helpful to you as the average monthly payment for a car in the US is $499.  The lower the rate the lower the payment. For instance, let us say that you have a good credit score, 680 and higher. This could even persuade the lender to charge low interest rates, with $0 down payment. Hence, know your credit report and try to improve your score. Paying all your bills in a timely manner and having a steady income help raise your score. Share the Responsibility As a final option, you could get a friend or family member to cosign.  A co-signer's credit score when stronger than yours, can get a loan officer to give you approval.  This is such because the co-signer adds income and additional stability to the loan application. When a person co-signs on a loan with you, they have the responsibility to make sure the loan payments are made, just like you do.  Late payments will hurt both parties credit scores and timely payments will help build up the credit. A co-signer also may be on the title to the vehicle and have rights to ownership of the car. “Adding a cosigner improves your loan terms.” Get a Low Interest Rate Newer cars have the lowest interest rate.  If you start shopping for too old of a vehicle, then the bank may reduce the loan term and raise the rate.  This is because older cars come with problems and when a car breaks sometimes people don't have the money to make the repairs.  Then they don't make the payments.  You can look for other options also, like trading in your existing, well maintained car. Instead of opting for a top-of-the-line car, choose a car that fits your budget. Furthermore, try to improve your credit report. Contact Dan Cummins and Buy Your Dream Car with a $0 Down Payment Today! Finding the right $0 down offer is easy with Dan Cummins. To find out which car meets your requirements, talk to our friendly staff. Leave a message or call us at 877-661-2805. Click here to apply for auto financing and get pre-approved in seconds. How to Get $0 Down When Buying a Car | Dan Cummins Chevrolet & Buick – Louisville, KY

Kentucky trade-ins are a popular way of getting a new car in Kentucky while letting go of your previous one. It’s a way of securing payment and getting a great deal since you have money from your old car along with the amount you’ve saved for the new one. While a Kentucky trade-in means it’s easier for you to get the car of your dreams, it’s not always a breeze. The real problem arises when you have to sell your old car. Often, you might have everything prepared and ready on your end but still struggle to sell it. Struggling to trade in your car? Dan Cummins will give you a fair price for it. Unfortunately, not many dealers will give you the price you want for your Kentucky trade-in. Sometimes if you’re doing a trade-in with the dealership that you want to buy your new car from, it’ll be quite hard to wrangle a deal for yourself. Thankfully, that isn't the case at Dan Cummins Chevrolet & Buick. We always give you a fair price for your trade-in and treat you with respect. You can even value your trade-in with our handy "value your trade-in" tool on our website! Don't get cheated by a dealership that won't give you the value of your Kentucky trade-in. Go somewhere with staff you can trust. If you’re looking for a car dealership that ensures that you get the very best deal, you need to consult Dan Cummins. Who We Are - A Company You Can Trust Dan Cummins Chevrolet & Buick was established in 1956 and has been providing its expertise in car dealing ever since then. Born out of a mission to ensure that people get the used cars and new cars they want at affordable prices, Dan Cummins has been helping customers getting deals they deserve for over 60 years. The company currently services the areas of Georgetown, Paris, Cincinnati, Louisville, Richmond, and surrounding areas in Kentucky. Dan Cummins is Different Than Other Dealerships Typical car dealerships often don’t have the greatest of reputations. They're often cold and tend to make people feel nervous. A lot of people feel uneasy walking into a car dealership because they're concerned they'll be cheated out of money. Indeed, the general perception of them is often considered to be self-serving and genuinely not as friendly as what’s needed by customers. This can effect a car trade-in process negatively since most people do not like doing business with companies that do not feel like they’re kind to the customer’s cause. At Dan Cummins, we believe that dealerships should be on the buyer's side, not the side of profit - which is why we value your satisfaction over money any day. We want to make sure you walk out the door happy, and having saved more money. Dan Cummins treats you like family with our transparent, honest trade-in process. This is where Dan Cummins is different than most dealerships. At Dan Cummins, we treat you like family. We're 100% clear and open on everything, including pricing and terms - with no tricky fine print. We are dedicated to providing each client with exceptional customer service, according to each customer's needs. We are proud to be the only dealership in the Louisville area that our customers can call their "second home." Above all else, we value your satisfaction. Whether you're buying or selling a car, we promise our process is 100% transparent, honest, and meant to benefit you first and foremost. Value Your Kentucky Trade-In and Get a New Car at Dan Cummins If you're looking for a trustworthy dealership to trade-in your car and buy a new or used one, call Dan Cummins today. We can help you through the entire process, making it easy, affordable, and stress-free. Call us today at 859-987-4345. Where to Trade-In My Car in Kentucky | Dan Cummins Chevrolet & Buick - Louisville, KY

Do you know that even with a bad credit score, you can still own your dream vehicle? When it comes to credit history, the impact it has on whether you will get your loan approved for your car or the interest you will incur when you make your car purchase is seen. Your credit history is a signal to lenders whether you can be trusted for a loan or not – a credit history and score has that power. However, bad credit should not be a barrier from getting your dream vehicle either by loan or by purchase. So, what tips or methods are there to allow you to purchase your dream car with ease even on bad credit? Let’s get started! How to Buy a Car With Bad Credit and $0 Down Get in Tune With Current Interest Rates Even with a bad credit score, nothing can stop you from getting informed on current vehicle loan rates. Doing your research makes it easy to know what to expect with your credit score. With a good credit score, it's much easier to get a good interest rate on a car loan. Unfortunately, this is not the case with a bad credit score. The lower your score, the higher your interest rate will be. It can even increase your interest rate by up to 50%! The price tag on your car, as well as the monthly interest rate on your vehicle, is affected by your credit score. So, the best thing to do in this situation to avoid an overcharge – because some lenders and dealers do so - is to know what is obtainable and make your bargains on that. Work on Your Credit One of the best advice you may receive is to work on your credit score. A bad credit score lowers your chances of buying a car on easier terms, so the best thing to do is plan ahead and work hard on improving your score before buying or loaning a car. A few things you can do are: Report and properly handle credit report errors Pay past due accounts Lower your credit utilization to no more than 30% Those strategies could go a long way in getting you better terms when you finally want to make your car purchase. Buy Only What You Can Afford This may seem obvious already, but a lot of us (even those with bad credit) still go for expensive cars. Going for an expensive car with a bad credit score does not play well for your credit report. Take a moment to look at your budget. What do you have left over when you pay your bills each month? That may give you a better picture of what you can afford. Check what car you can afford on your budget and keep to that no matter which flashy car catches your eye. Be Careful About Your Deals In simple words, watch out for scams and fraud. You might be surprised that persons with a low credit score are usually the most targeted for scams. While it is fun to buy a car, don't let yourself get swept up in all the excitement - stay focused and aware and don't fall prey to the tactics of scammers. You can "cross your Ts and dot your Is" by thoroughly perusing paperwork for loans that you are offered, especially ones that sound too good to be true. Get Your Dream Car - Even with Bad Credit - at Dan Cummins In conclusion, even if you have a bad credit score, you can get your dream car. You just need to do your research and shop around. Check out our huge line of new and used cars at Dan Cummins, where we treat you like family. At the end of the day, we care more about your satisfaction than our profit - so we're not like a typical car dealership. We're a trustworthy car dealership. We care about our customers and want to make your experience the best it can be. So come check us out. You can also browse used cars from brands you love here. In addition, we also sell car parts and accessories for a host of car brands. Ready to learn more? Click the button below or contact us at 877-661-2805. How to Buy a Car With Bad Credit and No Down Payment | Dan Cummins Auto Group - Louisville, KY

Are you looking at your credit score, discouraged, wondering how to buy a car with bad credit? Well, you’re not alone. Not everyone in this country has the best of credit scores or plenty of cash lying on the table. In fact, there are options out there to find an auto loan that’s meant for you. Here are some important facts to know before you start hunting for a car loan with a bad credit: Implications of Having a Low Credit Score Generally, lenders need to be confident that buyers will pay back the loan amount on time. That’s why they offer more perks to borrowers having excellent credit scores which are above 740.  This is because the score is a blanket indicator of risk, and for the bank, the lower the risk...the lower the rate. If your credit score falls below 640, you’re deemed to be a buyer with poor credit or a subprime buyer. In this case, interest rates will be higher because lenders set the annual percentage rate (or APR) based on risk.  If you haven't paid your bills on time or if you are maxing out all of your available credit lines, your credit score will decline.  The lower the score, the higher the rate. In addition, you may be more limited to your choice of vehicles you can buy with your bad credit score.  This all gets back to the aspect of risk.  The bank may limit the total amount you can borrow and try to align it with your budget.  This is a calculation of "Debt to Income," or DTI.  Here is an example of a DTI calculation: MONTHLY INCOME:  $4000 Total of Monthly Payment Obligations on Credit Report:  $1,700 Monthly Rent: $800 $4000/$2500 = .62 or 62% Debt to Income The lower the Debt to Income percentage, the lower the risk for the bank.  So income is just as important a factor in this equation as debt. How to Find Borrowing Success with Low Credit Scores When you want to know how to buy a car with bad credit, it’s important to know the small things you can do to improve your credit score as fast as possible. Taking six months to rebuild your credit score will strengthen your case but, this might not be possible because you need a car NOW. In this case, your options are: DOWN PAYMENT MONEY:  showing the lender that you have come to the borrowing table with several thousand dollars does several things.  Number one is that it let's the bank know that you are seriously invested in this auto loan with your own hard earned money.  They like this because it reduces the chances that you will let the car loan go to repossession.  Number two, is that it will lower the overall loan amount and get the payment more in line with your income and budget.  This is a key factor. INCOME SOURCES:  showing the bank that you make addition income is imperative.  Even if you have a side hustle, some lenders will accept proof in the form of bank statements showing the deposits.  But you must be able to prove to the bank that you make the money you say. CO-SIGNER:  So your credit is a 540 score and the bank has said "nope" to you borrowing money.  Getting a co-signer with a good credit score can move the declination to approval and still provide you with the credit rebuilding opportunity. Get a Hold of Your Credit Report Monitoring your credit score is key especially doing so well in advance of you making a major purchase.  In fact, you should check your credit score regularly on your own. There are various sources where you can gather this information from.  Before applying for the loan, you need to take time for corrective measures in order to improve the score. In order to run a credit check, you can rely on resources like TransUnion, Equifax, and Experian to provide your FICO which prepares scores based on your payment history and credit balances. So, a FICO score less than or equal to 580 represents poor credit while 695 is the average score that falls in the category of "good" borrowers. But, you need a report to get a hold on it. Hence, aim for a detailed report and see what factors may impact your scores. Have Reasonable Expectations Depending on your credit score, you may have to pay a rate of 12-15% while buyers with good credit standing need to pay a mere 5% as interest on their auto loan. When your credit score is subpar, you must set aside reasonable expectations. In fact, aim to buy a less costly car to accommodate a higher interest rate. Here, when ascertaining the amount of your monthly installments, don’t forget to add some room for expenses like fuel and insurance costs. In this case, if you are running on a tight budget, consider shopping for a used car instead. Shop Around for the Best Financing Deal After identifying potential models that you may purchase, your next target should be to find the best financing option. For this reason, it’s always prudent to have the dealer check with multiple lenders until they find you find the lowest rates possible. To start with, check online for the latest auto lending installment loan rates.  You also can google search some lenders and they normally publish some average loan rates on their sites.  You can also try to get a loan from a trusted dealership in your area. If your credit score is quite dicey, a dealer can intercede with lenders on your behalf. But before you proceed, lay your focus on annual percentage of the loan as it is given in the agreement. Where Can You Get Auto Loans With Bad Credit? It is a general misconception that people with a bad credit should settle for the first financing offer they get. Rather, you must get in talks with multiple lenders before going for an option. Well, your options include banks, dealer financial service groups, and car dealerships. Check them all to find the best rates and easiest loan terms. Once you’ve got the dealer and a loan that’s well within your financial capability, ensure a timely payment of this loan every month. Remember even a single delinquent payment can tarnish your credit ratings. So, be more diligent with repayments. In conclusion, bad credit doesn’t equal lost hopes of getting an auto loan. It’s better to get the facts together and do your homework. This will help you make informed decisions. Buy Your Dream Car Even With a Bad Credit Score Only at Dan Cummins! Want to learn more on how to buy a car with bad credit in Kentucky? Call our experts at Dan Cummins. Reach us at 877-661-2805 to discuss your needs. Can I Buy A Car With Bad Credit| Dan Cummins Chevrolet & Buick – Louisville, KY

Wanting to trade-in your car? First, there are a few things you should know and understand. You can't get a good deal if you're not prepared for the Kentucky trade-in experience. So read on below to find out how to get the most money for your Kentucky trade-in car. How to Trade-In Your Used Car Your car's worth is more than just a number. It's important to understand exactly how much money you can get for your car and why. Knowing a good deal from a great deal is key. The traditional way to value your trade-in was to take it around to different dealers and simply ask. It's time-consuming, though, and often comes with other difficulties as well. In the age of the Internet, everything is online nowadays. So take your trade-in questions online and use our easy tool to value your trade-in. How to Value Your Trade-In In order to make valuing your trade less time-consuming and frustrating, there are online tools that can help, like Dan Cummins "Value Your Trade" tool. The tool is based on Kelley Blue Book Instant Cash Offer, which is redeemable the day you enter the information - meaning it'll be as accurate as possible! To use the tool, simply enter the following information: License Plate and State Or enter the following information instead: Year Make Model Style Color Mileage After you’ve added all of these, you need to enter your ZIP code since cars have different prices depending on the place where they can be found. Then click Next! Take the Next Step: Trade in Your Kentucky Used Car at Dan Cummins To have a successful trade-in that meets your requirements, it's essential to know exactly how much your old car is worth. Thankfully, finding that out is much easier now because of these online tools. How Much is my Trade-in Car Worth? | Dan Cummins Chevrolet & Buick - Louisville, KY