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Rent To Own Cars Compared To Lease Vehicles

Car Tips
icon/user/avatar/20 Created with Sketch. By Keith Evans

How Rent To Own Cars Compare To Lease Cars Most of us want a brand new car. However, we often don't have either the cash or decent credit.  Typically, cars are the second-costliest purchase Americans make after buying a home. Auto loans are the best way to get the wheels you want. But, is it always that easy to get an automobile loan approved? Especially when you have bad credit? Well, NO. We will be lying if we tell you that it's easy.  However, there is an old saying “Poor people have poor ways”. Or you could say Smart People, Have Smart Ways.  Think about duct tape. There are entire books dedicated to fixing ANYTHING with Duct Tape. But, is that because you are cheap, or because you are frugal? If you had a load of cash, you might not be reading this article on “how rent to own cars compare to lease cars”. Because you could just go get any vehicle you want! And what if you had a high credit score? Well, again you just get the bank approval and drive off in a truck or SUV. However, if you have limited income OR you have No Credit than you have to be SMART ABOUT GETTING a car.  Many buyers have turned to other options, such as rent to own cars or auto leasing. But hey, these options don't come without their pitfalls. So, let’s see which car you can afford and actually drive. What Is A Rent-To-Own Vehicle? You purchase the auto for a specified period (fixed by the dealer). You have to pay the charges for the monthly rent-to-own. At the end of your term, the car is yours.  Rent-to-own cars are also known as lease-to-own cars. You make weekly, bi-weekly, or monthly repayments for the vehicle's use. But the keyword is: OWN Best of all, the vehicle is yours at the end of the period. You make the weekly repayments for the use of the car and the eventual purchase of it. Based on your deal, you may have to pay a down payment at the start of the contract. Or, you may have to pay a lump sum at the end. At the end of your loan agreement with the used car dealer and after the final payment, ownership of the motor will be signed over to you.  Excited? Wait! There's a lot to come.If you are thinking about going to a rent-to-own car dealership, the following points will help you.    They don't check credit for rent-to-own cars. Yes! You read it right. That's the main reason why bad credit doesn't matter in this case. You get to choose from their car lot options. You get to buy from the used auto vehicles. It's limited inventory- but will satisfy most buyers with good specials. You just need a dependable vehicle, and they have ‘em: trucks and SUVs available. Be ready with some money before you visit the auto dealer. By that, we mean, the used car lot would ask you to put some money down before setting your foot on that accelerator. When will you own this vehicle, though? Let the contract end first. Pay the title and license fees and tadaa, you are the official owner! Please don't ask for the warranty now! Rent-to-own cars do not come with a warranty. (Well, not usually.) However, if you have some extra money, just buy the used car service contract and get the warranty.  Is Rent To Own Cars A Good Idea? One benefit of renting to own a vehicle is they are easy to get. The dealerships that offer this program mostly caters to the subprime market. If you have poor credit, but CAN MAKE payments, the rent to own should be for you.  Let's learn about qualifications for rent-to-own or lease to own cars.  What Are Lease Autos, Then? Let's get one thing straight; it is way different from lease to own cars.  It's merely a form of auto renting, although a bit more complicated than buying a vehicle with a loan.  Just like the rent-to-own, you have to make regular payments for a leased auto. When the contract ends, the car goes back to the dealer. (REMEMBER- look for the word Owned as part of the dealer’s offer or deal.) No! You don't own the car at the end of the leased vehicle contract. However, you will get a chance to buy the lease car if you pay a fixed price.  We would like to make a vital note here: You should not consider the option of leasing an automobile unless you know how this program works.  Do not just lease a vehicle, especially if you think that this is the best option for you- because of the lesser monthly payments. Now, many buyers confuse the lease car program with lease to own or rent to own cars. Technically, there is a lot of difference. From application to ownership, from payments to a credit check, everything is different with them. Lease-To-Own Auto Vs. Car Leasing The primary difference between these two is ownership.  In rent to own cars, you are the owner at the end of the contract (provided you make the payments regularly throughout the term). In the lease cars program, it is NOT YOURS at the end of the contract. If you want to buy it, you can negotiate. Let's check some of the significant differences between purchasing and leasing: Credit Checks Rent to own cars program is the ideal way to own a vehicle to those with bad credit. Dealers do not (usually) run credit checks if you want to opt for this. If your credit is bad, leasing an auto may NOT even be option to you. Leasing a new car requires good or excellent credit. If you have it and you are financially sound, you may qualify. Age Of The Vehicles You may have limited options to select the car in the lease to own deal. Usually, you get to select the best from the used car lot. There are many honest and fair retailers with great financing deals. But getting a new one is unlikely. For leasing, the best part is a wide variety of new automobiles. But this may not work if you have a poor payment history. Ownership MOST IMPORTANT: You own the vehicle at the end of the rent to own program. What about car leasing? Nope! The leased SUV or pickup goes back to the dealer. If you want to buy it, the dealership will try to work with you. They will set the price of the auto.  Money Involved  In a rent-to-own program, you make the these payments: Taxes Down Payment Registration Fees In auto leasing programs, there's a bit more money you will pay: Taxes Down Payment Security Deposits (You get it back in full when the term ends unless the car is in good condition.) Registration Fees  First month's payment Plus there are some other Financial factors too. Let's check those out. Monthly Payments For Rent-To-Own Cars vs Renting Only No matter what amount you pay on a timely basis for a rent-to-own car, it's usually more than that of leasing. The reason is simple. If you intend to own it in the end, you must invest more, Because you are getting more in the end. (Remember, when you are done purchasing the car, it is yours!) In car rentals, as you just pay towards the depreciation of the vehicle, you end up paying less monthly than a lease to own cars in this category. It does not cost a lot to simply borrow a vehicle- because you have to return it. Resale Value Equity The resale value for used cars is MUCH BETTER compared to a New Vehicle. And even higher compared to a leased unit. When you buy a brand new Toyota or Ford, as soon as you drive it off the showroom, YOU LOSE 20%. Poof, it’s gone. But a Used Car price will only drop based on the mileage, years, and condition of the vehicle. Take care of your car and it will take care of you. Sadly, compared to Car Leasing– (renting-only) you Get No Resale Value Equity! Now maybe, the dealership will give you some allowance, if you decide to buy it from them. But don’t forget, you never owned the car in the first place, you are just renting it. You get nothing.   Pros & Cons Of Renting-To-Own Cars and Leasing With high expectations comes a lot of disappointments. Though there are some advantages to both lease-to-own and leasing, we can ignore the dark side of those. Let's check them one by one. Pros of a rent to own car The most significant plus point of this is NO CREDIT CHECKS. Dealers do not run any credit checks for this program. So, this is the simplest and most preferred way to buy a set of wheels if you have bad credit. Your monthly payments may be LESS than, compared with bank loaned cars. These used cars can be great if you are looking for a pocket-friendly deal. You can customize the timely payments at your convenience. If you want to pay bi-weekly, it's okay. If you do that on a monthly basis, well guess what. That's fine too. If you are fit to opt-in for this program, you will definitely go home in your new car. The best part is, there are very fewer requirements you gotta fulfil.  

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How To Buy A Car With Bad Credit

Car Tips
icon/user/avatar/20 Created with Sketch. By Keith Evans

How To Buy A Car With Bad Credit?   Buying a vehicle with bad credit is possible. But, you may have to spend a bit more to borrow. One thing is sure– you can enjoy owning a car even with poor credit history.    In this “How To”, we are gonna give you tips on auto buying. Especially on how to buy a vehicle when you have a BAD CREDIT or NO CREDIT.    Car buying is one of those things where you either hit the jackpot or risk getting a Lemon. There are hundreds of dealerships out there, and they can confuse you.     You can save yourself a lot of money, hassle, and time if you know the auto buying strategies as much as you can. So sit back as we are to drop some valuable knowledge on used car financing.     We have prepared this poor credit vehicle-buying guide through the years of learning and experience. At the end of this article, you will be equipped with all of that.   So are you ready for it? Let's dive in.   Our cities are full of auto dealers that are willing to help you restore a better financial condition. They know that perfection is overrated when it comes to credit. Life is hard, and so is paying your bills when Life Throws You Curve Balls!    Buying a vehicle with the help of a loan is the way it is. But difficult with bad credit. Well, you have to think of creative ways.  (No, don’t talk to Uncle Vido)   When you first visit a dealer, you may have many questions in mind. That can be related to pre-approved loans, down payment, credit scores, and blah blah blah.    A simple answer to all those questions is YES. No matter how screwed up your credit is, or how bad your finances, chances are you can buy a car. Seriously, GOD BLESS AMERICA!   Now, we are here to guide you on how to score wheels with bad credit. So, first things first! The numbers.   According to Nerdwallet rating, your credit is poor or bad if it ranges between 300- 629.   (Well, that is a giant range!)   As you might be aware- ”lesser the credit score, more the interest rate”. But does this apply in car buying? Not everywhere.    Let's take a look at some factors to get an auto loan with bad credit without a challenge.  Try a Buy-Here-Pay-Here Dealer Get a cosigner Try with a second chance car loan.     Wanna know more about it? First, let’s discuss some of the essential things related to dealer auto loans.    Where to Find No Credit Auto Loan and Instant Approval? Most dealers understand that if you want a car, and you want it TODAY, it is their job to get you a vehicle at a price you can afford.    So, even if you have bad credit or no credit at all, there are ways to get a vehicle loan. Now, understand THE BEST APPROVALS WILL BE WHEN you get the loan from the dealership. It's a win-win for both parties.    You may not get a loan from a bank or credit union when you have bad credit– Because the Bank has higher standards. They don't want to take on the risk. But hey, who needs a bank when you have a trusted auto store? Most of all, "No Bank Means No Hassle."    Auto dealers exist to help you buy a car. That's their source of income. How can their business run if they just kept denying people for the loan? So they want to help you.    To deal with buyers with no credit or unpaid bills, dealerships have many options. In most cases, dealers are likely to approve an instant loan for you. They have options that not every bank or finance company has. Why? Because They Are The Bank! They are actually giving you a truck or pickup from their lot in Hopes you will pay them back.   IMPORTANT: Not every used car dealer has in-house financing– meaning the ACTUAL dealer will truly carry the loan note for you. Only the Largest and Strongest can do this.   Which Brings Up a Huge Point: Can you imagine a business so successful, THEY DONT NEED A BANK!? The dealership must be doing something right? Happy customers, great cars, amazing reviews. Then think about this– a local company that has More Power than a banker, that they actually give you the bucks to drive a car off their lot!    (They’re only a few car places that offer In-House Financing– go ahead, call us, we’ll tell you who they are) Bonus Tip: Used Car Loans with Bad Credit If you only read one thing in this guide- please do this to save a lot of hassle and grief:   Get financing first, then find a car   Do not- ever, ever go find your dream SUV then be turned down for past credit problems.   Pick up the phone and talk to the financing dept at the dealership. Directly ask them: “Do you offer true, internal financing, if I have poor credit?”   If they say Yes, then go ahead and start shopping their inventory, otherwise you are in a world of embarrassment if you find your new hot-rod and you can't get approved. (Insert sad face here)   Every car lot has finance options for buyers with bad credit. If in doubt, visit our showroom and apply for a car loan. Because WE WILL finance you.   What If You Have No Job and No Money Down?   When you have poor credit and want to buy a car, you have to keep some things in mind. Remember that EVERY BANK loves equity. The equity can be in the form of trade, title papers, or a downpayment.  No money, no honey.   You might be asked by the dealer to put cash on the table for a down payment. But keep this in mind: the partnered banks or car loan companies want it. Remember what we learned above– a Buy Here Pay Here Dealer is your best option to get a car with no job and no money down.   But in most scenarios, down payments are the silver linings of the dark cloud. Because they lead to better loan terms & conditions, fair interest rates, and better consideration.    Every bank or dealer has a unique way of setting deposit terms. So, It is always good to be prepared for an initial investment in the form of a security.    However, if you are not in a position to make a downpayment, just be upfront with the salesperson at the dealer and explain your situation first. There's nothing in this world that can't be worked out. (Also be on the lookout for special events for “no-money-down, bad credit” sales).   The same theory works when you are currently jobless and planning to buy a car. Although you have some other income sources such as social security, alimony, or pension, getting a loan is a little tough.   So, you can use the best loan weapon of all- A Co-signer.    A cosigner with a stable income can score a home run for you in this game. You just need to get rid of the negative mindset related to the term 'cosigner'.      Remember, COSIGNER IS NOT A BAD THING    We know that there is a risk in taking a loan with no job. Seriously, who is going to give you a car if you can’t pay for it? (Well, maybe your mom will, so keep on reading)

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Are Certified Pre-Owned Cars Worth It?

Car Tips
icon/user/avatar/20 Created with Sketch. By Keith Evans

Are Certified Pre-Owned Cars Worth The Extra Money? When thinking about replacing your old clunker with a different one, you have three options. You can buy either of the following: New Used Or certified New cars are good. But, they come with a price tag. Most Americans avoid buying a new car. It may turn out to be a bad deal because of these reasons: Brand new wheels are expensive Immediate depreciation You can't rely on the new model year and its abilities You will pay higher taxes and insurance costs Buying a used Toyota or Ford can help you save money. You can buy a luxurious, used car that suits your budget. Old cars are CHEAP and AFFORDABLE. They are more likely to be reliable if you are purchasing that from a trusted source.     Many people have doubts about buying a used auto with an unknown past. This is the reason why most of the buyers prefer Certified Pre-Owned cars, also known as CPO.    CPO vehicles are always advertised as the best. Theoretically, they are the finest, well maintained, tightly checked, and low-mileage used cars.       But there's this one thing. This theory might upset some...   Many consumer money experts say that a regular used vehicle can be a better deal than a Certified preowned car. The reason? Well, a CPO car is no different than a used motor except for one thing- peace of mind.             A generally accepted belief states that purchasing certified used wheels is the smart choice. It comes with extra perks, extended warranty, and more. (I know you want free car washes and Satellite Radio for a year), but– is it really worth it?!   Here are some practical points to make you rethink spending those extra dollars on it. We will start with what exactly CPO's are and why there is skepticism when purchasing them.  What Is A Certified Pre Owned Car? To get this concept, you gotta know why they use the term "certified". This term indicates the pre-owned vehicle is either manufacturer certified or dealer certified.   It gets a manufactured certificate only if it meets a specific set of criteria. Plus, It undergoes strict checks.   Now a dealer certificate is a bit different. This is given when an old car meets the criteria set by the dealer. This set of tests is not necessarily based on manufacturer standards.      Dealers pay a certain amount to the manufacturers to certify such wheels. Most of the dealers pass on these charges to the buyers. Ultimately, the price of a CPO car gets INCREASED.     The certified pre-owned cars are EXPENSIVE for one more reason - an extended warranty. But, very few know that the warranty period starts from the original date of purchase. Regardless of unique CPO programs, this is the same with every automobile brand such as BMW, Honda, Jeep, or Chevy.   Eventually, you will find different warranty extensions with different dealers or manufacturers. Many of them often use such extensions just to defend the price increase. As a result, only one out of four buyers feel it's worth the value.  Why Are Certified Pre-Owned Cars Costly?  CPO cars are low-mileage used vehicles with warranty coverage and other extras. They indeed cost more than old cars. The primary reason for the increased value is the extra warranty period. But little factors also add up to the increased price.   The inspection and certification process, additional perks, lower miles, and cleaner history are other causes that justify extra charges. Let's see them in detail.  Strict Checks  Carefully conducted checks are costly. Factory-trained mechanics perform 150 or 180-point inspection of the auto. The set of tests ensures the old vehicle works and is in an excellent state.   Many second hand cars require things such as new wiper blades, two working keys, and new tires. Making such improvements lends a higher sticker amount.  Extended Warranties Certified vehicles are protected against defects and costly repairs. An extended warranty is the primary reason for that.  Most of them have the balance of a five or six-year warranty up to 100,000 miles. Some dealers provide warranties up to 120,000 miles.    But not to forget, all such warranty schemes start from the date of purchase of the car and not when you buy it as a CPO. Extra Perks  This includes low-interest rates, roadside assistance, and a full gas tank. Dealers try to bring a CPO car as close as possible to the new one. This raises it's the price. Certification Process It varies with every brand. They decide if a car should be certified or not. Even the dealers conduct their unique certification process. The dealership pays a certain fee to the manufacturer for this.  Most dealers balance this extra spending from the buyers. (that's you!)   But Are These Added Incentives Worth It? In reality, the extended warranty is not required these days. Especially when most of the late-model automobiles do not really have major mechanical problems. One study says that more than half of the certified auto purchasers never used the extended warranty even once.    The majority of the buyers don't feel that the extended warranty is worth the extra amount they paid. There are pretty good chances of you paying more for a premium of the extended warranty than the benefit you gain. Things To Know When Getting A Certified Pre-Owned Vehicle Buying a CPO car is quite different than buying a new one. The following are some points you should consider before you score a certified vehicle.   Check For The Certification Some dealerships may try to manipulate certification info. You should always prefer a reputable dealer. Otherwise it is very risky to spend on certified pre-owned cars.    Only a brand's franchised dealer can sell the certified pre-owned cars. The rest may claim it is "certified" or "Carfax certified." But, this doesn't mean that it's certified with the brand standards.     We suggest checking the details of the CPO program on the brand's website. You should also check the dealership brochures to ensure the truth. Plus, check the pre-owned sticker or logo on the auto.    Certified pre-owned programs vary with a brand. Some are more affordable than others. For example, the Kia offers whatever is left of the car's 10-year, 100,000-mile powertrain warranty. It also gives an extra year or 12,000 miles of coverage.    Honda offers an original warranty for seven years and 100,000 miles. Lexus gives a full two-year warranty with unlimited mileage and extra incentives for drivers with frequent travels.   Just be sure the certified car you look at is part of a factory program. For example, Lexus ensures the dealer is part of the factory program and not his own.   The real certified vehicles are only found at dealerships of the same brand. This means you can't purchase a factory-certified Ford at a Honda dealership.    The certification criteria are also differs for different brands. Porsche certifies cars that are up to 8 years old, and Mercedes Benz does certify the vehicles that are used up to 6 years.   You need to be aware of all the terms for the brands you're interested in. This will undoubtedly help you understand what might work best for you.  Think Twice If It Is Worth It  Many consumer reports are against the odds of buying a certified preowned motor. There is no significant difference between a certified car and a regular used one, but the price.     So, think twice before you buy that. Especially when you can purchase a cost-effective used vehicle and get it checked by a trusted source for a lower price.    Check The CPO status And Inspection Process  Every pre-owned certified vehicle undergoes a set of tests. The brands set the standards for this. It is better to confirm if your chosen wheels have undergone the checks with the same rules. You can also ask for the proof.    Such inspections are an extensive list of tests. These checks must give consumers added reassurance that a pre-owned car is in a better working state than its original old version. So When Is It Worth Buying A Certified Pre Owned Car? Honestly, no time is right to buy a car that is not a value for your money. CPOs are OVERRATED. If you are tight on the budget, regular used cars are the best option for you.    Some say this era as the saturation period of the used car market. However, smart buyers are against this claim.    While the automobile prices are falling nationwide, its impact on the second-hand car market is positive. Lesser the new car rates, much lower the old car rates. Which the odds are not favoring the certified pre-owned automobile industry.   Despite the added warranty span, market experts suggest purchasing old cars. Provided, you are doing it from a well-known used motor dealer. To reassure, you can also get it thoroughly checked by them for just a few more bucks.    BONUS TIP: Buy a used vehicle from a car lot that has it's own mechanic or service garage on staff! It is actually rare to find used-only car dealers who have auto technicians. But guess what? You're in luck. At Combs Car Corral in Boise and Nampa Idaho we have 9 bays and 5 full-time mechanics– so you will never be stranded. (Plus, it makes our trucks and SUVs a little more dependable than if you bought from those other guys).   The price of a used car in genuinely great condition is always less than what you pay for a certified pre-owned car.     It is 100% possible to find a great deal on a perfectly maintained used vehicle by the previous owner. Or from an honest, quality retailer. So, save some money, and think twice before buying a CPO vehicle. After all, why pay more for just that "certified" label.   

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COVID -19 UPDATES

COVID-19
icon/user/avatar/20 Created with Sketch. By Tenisyn Ogata

We are OPEN! We're open, we're clean, and we're six feet apart! If you're symptom-free, you're more than welcome to come by. If you are under quarantine, or don't feel comfortable leaving your home for whatever reason, we are available by phone or online. Laid off? Business Closed? Let us know. We are doing our best to work with our customers that are experiencing unexpected loss of income. We are asking for proof of unemployment, proof of filing for unemployment benefits, and will set payment arrangments on a case by case basis. We will all get through this together!

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Canned Food Drive and Mask Giveaway

#CombsCommunity, COVID-19
icon/user/avatar/20 Created with Sketch. By Tenisyn Ogata

Starting on Wednesday, April 29th, Combs Car Corral will be having a Masks & Canned Food Drive! We will be giving away handmade cotton masks in exchange for a canned food donation (to maximize our donation to the Boise Rescue Mission we are asking for a minimum donation of 5 canned items, please). Free Masks for Veterans! Masks and Food Donation boxes will be available at both Combs Car Corral locations, in Boise at 9640 W Fairview and in Nampa at 536 Caldwell Blvd. All canned food donations will benefit the Boise Rescue Mission. While supplies last, one mask per person please! #CombsCarCorral #CombsCommunity #COVID19 #FoodDrive #Giveaway #FreeMasks

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Navajo Nation COVID 19 Mask Mission

#CombsCommunity
icon/user/avatar/20 Created with Sketch. By Tenisyn Ogata

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CASH GIVEAWAY

GIVEAWAY
icon/user/avatar/20 Created with Sketch. By Tenisyn Ogata

    DEADLINE TO ENTER: APRIL 30TH

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TRUNK OR TREAT 2019

#CombsCommunity
icon/user/avatar/20 Created with Sketch. By Tenisyn Ogata

Combs Car Corral's Annual Trunk or Treat was a huge success! Thank you again to all the families that stopped by! We love to see your smiling faces and getting involved in our community to celebrate this fun holiday! From the Pumpkin Patch in Nampa, to the Batmobile in Boise, we had lots of fun this Halloween, and hope y'all did too! Our Crews! COMBS PUMPKIN PATCH Boise Batmobile, Featuring James as The Flash and Matt as Batman! Nananananana.... Our Employees showing off their sweet costumes! Trick or Treaters! Thanks again to everyone that participated. We look forward to seeing you again next year!

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Truckload of Warmth

#CombsCommunity
icon/user/avatar/20 Created with Sketch. By Tenisyn Ogata

We would like to introduce Truckload of Warmth, a community program hosted by TWO MEN AND A TRUCK® Boise which benefits the Boise Rescue Mission. As a business that supports the program, Combs Car Corral is seeking donations of new or gently used cold weather essentials such as coats, hats, gloves, scarves, etc. to keep the most vulnerable members of our community warm this winter season. Kind regards, Your TWO MEN AND A TRUCK® Boise team   Wish List: Sweatshirts (all sizes needed, including 2-4x) Warm socks Gloves Hats Scarves Boots New unopened hygiene products (razors, shampoo & conditioner, body wash, deodorant, etc.) Coats (all sizes needed, including 2-4x) For those of us that have everything we need in life... shelter, reliable car, clothes, food, please realize that not everyone is as fortunate as you are. Please help Combs Car Corral in Boise help others in the Treasure Valley community by dropping off items from the list above at either Combs location.   Thank you for being a person that helps others. We all appreciate your kindness!  

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