Category Archives: Tips & Tricks

Get approved for an auto loan in Wilson, NC.

How To Get Approved For An Auto Loan in Wilson, NC

If you have low credit – or worse, no credit – you’ll know auto loans are difficult to get through traditional methods. 

Banks and major dealerships are reluctant to take a chance on first-time borrowers, or new drivers who haven’t had a chance to establish a credit history.

Auto loans are one of the biggest contributors to your credit history, due to the amount and length of the loan. But in order to get a loan, you need good credit. It’s a vicious cycle that only serves to box buyers out of good credit and future opportunities.

How do you break the cycle?

Get approved at AutoMax to get ahead of the curve.

Why use an auto loan to fix bad credit?

Auto loans are one of the bigger purchases you’ll make in your life. The total amount of the loan, lifetime of the loan, payment size, and payment frequency positions auto loans right in the credit-building sweet spot. 

Buying a car will have a huge impact on your credit history – for better or worse. This is why it’s crucial to deal with a creditor you trust, who works with you to make sure your payments are made easily, on time, and that your good habits get reported to the credit bureau.

Who gets approved at AutoMax?

AutoMax in Wilson, NC is a Buy Here Pay Here car lot. Buy Here Pay Here (or BHPH) simply means we finance all our cars ourselves, so you make payments to AutoMax instead of a loan company or the bank.

Because we finance all our auto loans in-house, there’s no big banks or creditors to complicate the process or deny your approval. This means that we get to choose who to approve for a loan – and we specialize in improving credit.

We don’t care about your credit history, only your ability to pay back an auto loan in the present.

What do I need to provide?

Getting approved at AutoMax is easy! All you need is:

  1. Valid Driver’s License
  1. Last 2 paycheck stubs (Proof of Income)
  1. Utility bill or bank statement (Proof of Residency)

Our online credit application is the quickest and easiest way to get approved for a car loan in Wilson, NC. 

Team members are standing by to answer any questions you might have about the process.

Why is AutoMax best for On-The-Lot Financing?

AutoMax has been in the industry since the 1980s. In that time, we’ve built roots in the communities around Youngsville, Henderson, and Wilson, North Carolina, learning how to help our neighbors build – and maintain – good credit.

Here are just a handful of the benefits of financing with AutoMax.

Our Worry-Free Warranty and Benefits

When you buy with AutoMax, you’re not just getting a used car – you’re getting our promise to support you and that vehicle. We stand behind our cars. Which is why we offer benefits like:

  • Free oil changes
  • 24/7 towing
  • Rental car coverage in the event of a breakdown. 

Read more about our benefits here: Why Buy From Us?

Our worry-free warranty for 12 months, or 15,000 miles (whichever comes first) is included with every single vehicle.

AutoMax warranty terms are available to read online, too, so you know exactly what you’re getting when you sign up with us. Read about the warranty: Warranty Included On Every Vehicle Sold

We specialize in Credit Improvement

Don’t let the breadth of AutoMax benefits and services fool you. Just because we offer a lot of benefits – trades, towing, rental assistance, oil changes, and more – doesn’t mean we don’t have a speciality.

AutoMax is a Buy Here, Pay Here car lot with decades of experience in helping customers rebuild credit. Over the years we’ve seen it all. We’ve learned the ins and outs of working with  low-credit or no-credit customers and helping them get their lives back on track.

No matter what life throws at you, we commit to riding with you. Our team members are ready to help you improve your credit.

We’re proud of how many customers become repeat customers!

At every AutoMax location, we get to know you and your family. Parents who’ve repaired their own credit with an AutoMax car often return to help their kids’ start their own credit history off on the right foot.

Customers consistently rate AutoMax 5-stars when they talk about their experience. We work hard to build a relationship of mutual trust with every customer.

AutoMax of Wilson, NC has you covered.

If you need a low-credit auto loan in Wilson, Youngsville, or Henderson North Carolina, AutoMax has you covered.

Get approved online with our easy credit application. Or, visit any of our in person locations to meet our team and test drive a new car.

Bad credit doesn’t have to be the end of the world. Break the cycle of bad credit. Call AutoMax of Wilson, NC today.

What Kind of Insurance Do I Need on a Buy Here Pay Here Car?

Keep Your Used Car Safe In The Raleigh-Durham Area

Auto Insurance requirements vary depending on the state that you live in, regardless of whether you own your car or have it financed through a buy here pay here dealership or another third party. In the state of North Carolina, where AutoMax is located in the Raleigh-Durham area, drivers must carry two types of auto insurance on a car you’re still paying off. Drivers must have liability insurance and comprehensive (collision) coverage.

While most traditionally financed vehicles require full coverage auto insurance, AutoMax offers special buy here pay here car insurance through one of our trusted partners. This insurance meets the state’s minimum requirements and can save you a bundle of money on premiums. It’s called Collateral Protection Insurance, or CPI, and you can purchase it through us when you sign the paperwork on your new-to-you buy here pay here car. Let’s review the types of auto insurance available to you, so you can make an informed decision on how to proceed in insuring your investment.

The Purpose Of Basic Auto Liability Insurance On A Buy Here Pay Here Car

The first type of coverage that drivers of pay here buy here cars are required to carry is called basic auto liability insurance. Basic auto liability insurance does not cover the cost of any damage to your own vehicle or your own bodily injury in the case of an auto accident. However, it does cover any damage you may do to another vehicle or property.

If you want to repair your own vehicle or cover your medical bills after an accident, basic liability insurance won’t be enough for you. You’ll need to come up with the cash to pay for the repairs to your car or for your own medical bills yourself.

Basic auto liability insurance does cover the damage done to any other person or vehicle involved in the accident. So, in the case of an accident with another vehicle, the other vehicle and driver are protected by your insurance. In the case of basic auto liability coverage, it is required to carry at least this level so that other drivers on the road are protected in the case of an emergency. This is also why it is required in the Raleigh, North Carolina area to carry basic liability insurance on a pay here buy here car

The minimum liability coverage required by North Carolina law is as follows:

  • $30,000 per injured person
  • Up to a total of $60,000 for all injured in an accident
  • $25,000 for property damage

Collision And Comprehensive Coverage For Used Cars

Collision or comprehensive insurance is crucial if you are still paying off your vehicle, including those financed through buy here pay here car lots. This coverage protects your vehicle in case of a collision. The time you accidentally back into a pole? Covered. Did your garage jump out in front of you again? Covered. Side-swiped the gas pump? Covered. Mistakes happen, but having collision insurance will help cover you – just in case. Comprehensive or collision insurance gives you peace of mind that you and your vehicle will be taken care of in the case of an accident.

Comprehensive coverage also covers costs in the case of theft, hail damage, animal damage, vandalism, falling objects, and more. Comprehensive and collision are usually purchased in combination. Both types of coverage are required when purchasing a buy here pay here vehicle until it is fully paid off. The downside is that this insurance premium can be expensive, especially if your driving record isn’t squeaky-clean. Auto Max offers you an alternative that can save you some serious dough: CPI insurance.

Collateral Protection Insurance From AutoMax

With a pay here buy here dealership purchase, you can choose from either collision and comprehensive coverage from your third-party insurer, or you can purchase CPI to accompany your basic liability insurance, which you’ll also need to get from an insurance company. 

CPI is a type of insurance coverage offered in-house by AutoMax through one of our valued business partners. Just as a buy here pay here car lot doesn’t consider your credit history, CPI insurance doesn’t consider your driving record before granting you coverage. Instead, you can get CPI insurance at a flat rate of just $89 per month.

So, despite your accident-prone driving record, your auto insurance costs won’t be higher. With traditional insurance options, good drivers are rewarded with lower monthly insurance payments, and those with some past indiscretions are punished repeatedly every time a premium payment is due. Another positive of purchasing CPI through AutoMax is that you can simply pay your monthly premium with your monthly car payment – no need to send in a separate payment.

CPI coverage is equivalent to purchasing both collision and comprehensive coverage, meaning it covers what happens to your vehicle by your driving mistake or rogue natural causes. CPI comes standard with a $500 deductible, something that can vary with traditional insurance depending on what policy level you choose. This means that if damage to your vehicle does occur (whether collision or comprehensive), you’re responsible for the first $500 it takes to fix the damage and CPI coverage will cover costs beyond that. 

If you have questions about our in-house collateral protection insurance, one of our expert sales team members will be able to walk you through the coverage. If you are a Youngsville, North Carolina customer, please call (919) 570-1107. If you are a Henderson, North Carolina customer, please call (252) 430-1006

Bottom Line: You Must Have Insurance Coverage On Your Buy Here Pay Here CAR

As with any type of financed vehicles, our pay here buy here car lot requires insurance coverage to ensure you’re driving legally and keeping your car on the road. Both the liability coverage and the collision and comprehensive are required, or you can choose the liability and the CPI coverage. The good news is that you have options, and the insurance coverage Auto Max can provide you tends to be more affordable than purchasing full-coverage protection required by traditional financing options.

Contact our team of experts today to discuss your buy here pay here used car insurance options. 

How do you Charge an Electric Ford Vehicle?

Ford Videos Help Demonstrate How to Correctly Charge an Electric Car

How do you Charge an Electric Ford Vehicle? 

The Ford Motor Company offers an extremely wide variety of vehicles for drivers such as sedans, SUVs, trucks, hybrid and electric models. While still relatively new to the automobile scene, electric vehicles are still very exciting for drivers looking for a strong and eco-friendly performance. However, buying an electric vehicle could be a completely new ownership experience for car drivers. Watch the videos below to correctly learn how to charge an electric Ford vehicle.  

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What is the Difference Between Synthetic Oil vs Conventional Oil?

Find out Which Oil you Should use in Your Car

What is the Difference Between Synthetic Oil vs Conventional Oil? 

When it comes to the inevitable oil change drivers have to make on their vehicles, many people might not know what kind of motor oil is best for their vehicle. With so many different options to choose from, many people struggle between purchasing and using synthetic oil or conventional oil. So exactly what is the difference between synthetic oil vs conventional oil? 

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What are Some Precautions to Take Before Driving at Night?

Stay Safe Behind the Wheel With These Night Driving Tips

What are Some Precautions to Take Before Driving at Night? 

Be it our own vehicles, traffic, or even poor weather conditions such as rain, snow or fog, there are many factors that can impact the way we drive. However, one thing that we certainly can’t control is the time of day. Driving at night can often be intimidating to drivers, as operating a vehicle in the dark can be potentially dangerous. We wanted to give you a few tips on how to be better behind the wheel at night. So what are some precautions to take before driving at night? 

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How to Change a Flat Tire on my Vehicle

Check out This Video to Learn how to fix a Flat Tire

How to Change a Flat Tire on my Vehicle 

A flat tire is one of those unfortunate circumstances that drivers will find themselves in at one point or another. While cars have room for a spare tire or temporary solution for the inconvenience, it is important to know how to properly fix a flat tire instead of being stuck on the road. Watch the video down below to learn how to replace a flat tire on your vehicle, with visual step by step instructions to help you make sure it is done correctly.  

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What is the Difference Between MPG and MPGe?

Calculate Your Fuel Economy on Your Gas or Electric Vehicle

What is the Difference Between MPG and MPGe? 

Finding a vehicle’s fuel economy is an important aspect to finding your next car. When browsing through the myriad of vehicles you’re sure to research, many car buyers might come across the term “MPGe” instead of the common “MPG.” So exactly what is the difference between MPG and MPGe? 

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How to Connect Your Phone via Bluetooth to Ford SYNC 3

Follow These Simple Steps to Connect Your Phone and Car

How to Connect Your Phone via Bluetooth to Ford SYNC 3 

Even over the past few years, we have witnessed incredible leaps in technology in our day-to-day lives. However, we have also seen newer technologies added to the newer vehicles. With Ford’s popular SYNC 3 system, drivers have a ton of features directly at their fingertips. Since drivers can also connect their mobile devices to their vehicles, watch the video below to see how to connect your phone via Bluetooth to Ford SYNC 3.  

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Oil pouring into engine

How do I change the oil in my car?

Check out this video to learn how to change you oil cartridge

Maintaining your car is an important part of car ownership. One of the most important aspects of maintenance is changing your oil.  While this is important and necessary, it can prove to be pricey. With most drivers averaging about two oil changes every year, the price of oil changes can add up. That’s why performing this maintenance yourself is an easy and money-saving way to ensure automotive maintenance. Check out this video to learn how to change you oil cartridge and oil. We’re sure you’ll learn something cool! Read the rest of this entry >>