How I Bought a Car With Bad Credit

By blogsadmin | Posted in Did You Know on Wednesday, June 20th, 2018 at 5:20 PM

               Talking about credit is really boring. Most of us don’t know a thing about credit until we are told we have bad credit. What does that even mean? I thought when I finished school I didn’t need to learn math anymore. Is bad credit really as horrible as it sounds? When a banker told me I needed to build my credit, it was stored in the same part of the brain as a dentist telling me to floss.

                Days before Christmas of 2016, a large truck cut me off, and my “vintage” Lancer was no match. Suddenly I was in desperate need of a car, thanks to the lack of bus routes by my home. I didn’t have enough money to pay cash for a new car and I was afraid of high interest rates. I’ve had an …um… interesting past with previous vehicles and I was really tired of buying new cars.

             We all know the stereotype of car salesmen, and I thought being a 19 year-old girl would cause me more grief than I needed. I stepped into the dealership with my dad in tow, figuring a balding middle-aged man would help me gain some respect. I was pleasantly surprised to be greeted before my dad, something that almost never happens. We explained what I needed, and my limited budget. We were shown tons of cars within my price range, but I was hesitant to buy again. I was still hung up on my now deceased car.

Me and my dad

             I was feeling defeated, until I was shown a car above my price range, a used 2012 Mazda3. It was so nice that I was afraid to test drive it, and asked my dad to for me. I was sold on the car but had no idea how to pay for it.

                I sat down with a financial adviser and was told I was told that I am a Non Prime buyer. This means that I am riskier for a bank to lend to. I had no collateral, (things of value that can be sold to pay back by debt) no lending history, and barely made enough to pay my bills as a student. I was surprised to learn that the bank would give me a loan. I needed a co-signer and my interest rates were slightly higher that I would have liked, but it was affordable. In fact, my loan was so low that we had to add on extra insurance so the bank would give me the loan.

“We really understand. We know what to do,” said Shaun Proutt, Director of Financial Services.

                I did not expect to be able to buy such a nice car that day, but I am glad I went to Crown Auto Group first. Throughout the whole experience my finance options were transparent and I felt included in the conversation. I wanted to know exactly how much I was paying, and how I was going to pay for it. Without Crown’s support I never would have walked away with such a beautiful car and still be driving it today.

To find out what your financing options are, visit our website http://crowncredit.ca/and fill out our 30 Second Credit Application

Do I Really Need An Oil Change?

By viralpatel | Posted in Uncategorized on Wednesday, June 20th, 2018 at 3:05 PM

                Oil changes are annoying. They take time out of your busy day and are costly. Why would you want to do them if you don’t see a difference in your vehicle?

                The reality is that it takes 20-30 minutes for an oil change to be completed, depending on how much needs to be done. An ordinary oil change means that they check the interior and exterior of the vehicle, tires, under the hood, and underneath the vehicle.

“We do about 20-30 oil changes a day,” Russell Johnson, Service Manager at Crown Nissan.

                The first thing that happens at Crown Nissan when they perform an oil change is check under the hood. They are checking the brake and washer fluids, searching for loose hoses or terminals, and your oil filter. Another thing they watch out for is battery corrosion. If they find white powder on the battery it usually means there is corrosion, and speak to the owner about their options to clean or replace the battery.

                After assuring that everything under the hood is in working order, your vehicle is hoisted up into the air. Your mechanic then checks your tire tread. Using a tool to determine the wear on your tires, each one is checked assure you have sufficient tread left. After the tires are checked, the suspension (the thingy that makes your ride less bumpy) gets evaluated to assure they are still in working order.

                After checking everything else, a large tray is brought underneath the oil pan. A plug underneath is opened, allowing for your oil to be drained. Once drained, the oil filter is recommended to be changed for consistency, and the vehicle is ready for the new oil.

What about oil types? Synthetic or Non Synthetic?

Typically Synthetic Oil is recommended for your vehicle. It preforms better inside the engine and lasts longer. Non Synthetic Oil is only recommended if the manufacturer asks for it, which is typical for European performance vehicles.

After changing the oil is when any other services take place, such as changing the air filter.

                Mechanics cannot do anything to your vehicle without your permission. While a mechanic can strongly recommend a particular service, it is up to the owner to decide if they want it or not. If a mechanic discovers the brakes are shot on your vehicle, you can still decide to not get them changed and drive (very carefully) away.

                The beauty of an oil change is that you don’t see a big difference in your vehicle if you get your oil changed regularly. Skipping an oil change might not seem like a big deal, but driving without one can be dangerous. Aside from normal wear and tear on your vehicle, skipping an oil change means your vehicle will start slowly destroying itself. Without oil to grease the engine the moving parts will create friction from the metal-on-metal contact resulting in a damaged engine. Replacing your engine is much more expensive than an oil change.

Pre-Owned Vehicle Loans

By Viral Patel | Posted in Finance on Wednesday, August 30th, 2017 at 4:27 PM
Pre-Owned Vehicle Loans

There is no doubt that there are benefits purchasing/financing a pre-owned vehicle.

A pre-owned vehicle is priced lower than a new vehicle.

The insurance premiums and registration fees for pre-owned vehicles most often are lower as compared to new.

While the cost of a pre-owned vehicle is lower and the requested amount to be financed may be lower than that of a new vehicle, the interest rate offered by the lenders will be higher.

Noted that lenders will take into consideration the value of a pre-owned automobile may be less than the value of the loan before the loan has been fully paid off when making their lending decision.

To compensate for this risk lenders will charge a higher rate to customers who choose to purchase a pre-owned vehicle.

It is important to know that a customer will be able to secure the lowest interest rates available from a lender by ensuring that they maintain a profile that is attractive to a lender (a good ability to repay the loan, a good repayment history noted on the credit bureau with low credit utilization, good residence, and employment history).

A Financial Services Advisor or Manager should make you aware of financial protection products such as Life, Accident & Health, GAP etc. that are designed to give a certain peace of mind to protect a customer(s) financial position and credit rating.

Though the interest rate may be higher than what is offered and made available by manufacturers to the qualified customer(s) when purchasing a new vehicle, the cost savings when purchasing/financing a pre-owned vehicle may be advantageous to a customer(s) financial position, wants and needs.

Whether you choose to purchase/finance a new or pre-owned vehicle, it is important to thoroughly review needs and wants, as well as your options to help you make the decision that makes sense.

If you have any questions, you can call me directly at (204) 275 4438 or you may send me an email at shaun.proutt@crownautogroup.ca

You may also go on line for a free credit evaluation or apply for a pre-approval at www.crowncredit.ca

What Does Risk Free Truly Mean? Used Car Buyers Guide!!

By viralpatel | Posted in Buyers Guideline on Thursday, March 9th, 2017 at 6:16 PM

Risk Free. You see it everywhere on our website, hear about it on our radio commercials and read it on the signs in our store, but have you ever wondered what does it really mean?

Not just great value and lowest prices in market, Risk Free means so much more!

First off lets talk about the value. Our goal and slogan is 1 Price No Hassle, and we wouldn’t expect you to pay more for the same vehicle elsewhere, so we have a team of our colleagues that inspect the market daily, to ensure you, our valued customer, that we are the best price in the city! We review multiple vehicle listing sites and compare things like service history, CarProof history, km’s and condition to allow us to truly be the best price in the market!

Speaking of Carproof, we couldn’t be Risk free without being a Full Disclosure compliant dealership. With our partnership with Carproof, all of our cars come with a complete history report, including : How many owners, where it was registered (location in Canada), full claim and collision history report (including glass claims, vandalism, nonimpact and collisions), and service History! It will also easily determine some highly sought after points like no accidents, one owner, local vehicle and low km’s with symbols on the top of the reports. Don’t forget to ask us to see the Carproof on any car on our lot!

CarProof

Although we cant always get the service history in the vehicles past, at Crown Automax we go above and beyond to protect your investment in the future! Above the 65 point Manitoba Safety Inspection, we complete a 86 point pre-owned vehicle certification program to check the operation of all switches, seals and gaskets and operation of features not included in the safety. We don’t just stop there, all preowned vehicles get a fresh oil change, and we inspect all fluids, and filters to ensure correct operation, and that the vehicle is up to date with servicing before you buy it!

With all this added to our friendly no pressure sales team, we provide a “good different” atmosphere, to help you make an informed buying decision. Stop by Crown Automax in the Waverley Automall today and allow us to show you the way car buying should be. You search may not start with us, but after seeing the Automax difference, it should end here, with you in your new vehicle and a Risk Free smile on your face, because at Crown Automax, we are not happy until you are!

Guaranteed Finance Approval

By blogsadmin | Posted in Finance on Monday, June 6th, 2016 at 11:00 AM
Get Free Credit Report

Securing the proper financing for a vehicle can be a daunting task, especially if you have bad credit or no credit at all. When you come to Automax, we offer guaranteed risk-free finance approval with 100 per cent approval on every vehicle.

The first step to securing financing is filling out the application on our website, once this is completed you’ll be pre-approved by the time you walk through the door.

When you arrive on the lot to look at your next vehicle you will be met by Shaun Proutt, general manager from Crown Credit Solutions. It’s Shaun’s job to make sure you leave with the car you need – good credit, bad credit or no credit.

“It’s about the four Cs,” says Proutt, “capacity to pay, credit history, collateral and character, and by character I mean things like stability, long-term residence, employment history etc. We know bad things happen to good people. So no matter your credit history, we’ll get you into that car with a payment plan that suits your needs.”

If you’re in the market for your first vehicle, a second vehicle or if you’re trying to rebuild your credit, visit us at 1700-C Waverley Street today. We have credit buyers on hand every day who will help you get into the right vehicle for you.

One Price Takes the Hassle Out of Negotiating

By blogsadmin | Posted in About Us on Thursday, June 2nd, 2016 at 8:47 PM

Buying a car can be an intimidating experience and in the past car dealerships have gotten a bad rep for being a place where only good negotiators are successful.

We are squashing that notion one customer at a time. How are we doing that you may ask? Three words, one price shopping!

One price shopping is simple, the price of the vehicle is the price you pay which means a hassle free car buying experience.

Our friendly and knowledgeable sales team will work alongside you to help you find the right vehicle for you, one that meets your list of wants as well as budget requirements. If you prefer to browse our stock online before stopping by in person visit our website at http://automaxcanada.ca/inventory/Used/ to view our up to date inventory.

When you shop with us you will enjoy the lowest prices on the market (as low as $39 per week) and you will deal with an honest and upfront team.

If you’re in the market for a beautiful pre-owned vehicle visit our website or visit us at 1700-C Waverley St. There is only one price: The best price in the market.

The Dilawri Automotive Group

Founded in 1984 by Ashok Dilawri, the Dilawri Automotive Group has more than 400 employees and includes seven Winnipeg-based car dealerships. It also provides customers with the Waverly Auto Mall (WAM) Collision Center, a 24-bay glass, paint and auto body center; D-MAX, a 14-bay detailing center; and GAS Performance, a specialty aftermarket and performance accessory showroom with the largest inventory of custom wheels and tires in Winnipeg. The Dilawri Automotive Group has been named one of Canada’s 50 Best Managed Companies.

Check us out at: thedilawrigroup.ca

Helping People Get Back on Their Feet

By blogsadmin | Posted in About Us on Wednesday, June 1st, 2016 at 7:44 AM

Ashok Dilawri said it best when he said the goal of Crown Credit Solutions is to “get customers in a car that meets their needs, help them re-establish their credit and get them back on their feet.”

“Bad things happen to good people,” says Shaun Proutt, general manager of Crown Credit Solutions. “There is divorce, a death in the family, a lost job: If something happens that impedes one’s ability to pay, we understand. We’re not talking about people who just refuse to pay. We’re talking about people who get into difficult situations, get behind in their payments and lose their good credit.”

“No matter what happened in your past we’re here to help. We work with a variety of people who have good, bad or no previous repayment history and also people who have zero or no money down. In really bad situations such as multiple bankruptcies, multiple repossessions out of bankruptcy at different times, currently delinquent on all existing obligations, repossessions less than one year old or a history of writing bad checks over a long period of time we can even help with that as well.”

Proutt started his career at age 13 pushing a broom at an auto dealership. He moved into the banking industry but worked almost exclusively in the auto division at Wells Fargo. Eventually he decided it was time to get back to working with people and discovered his passion for helping people with their credit problems and their vehicle needs.
“The entire concept of credit has never changed,” said Proutt. “It’s about the four Cs: Capacity to pay, credit history, collateral and character, and but character I mean things like stability, long-term residence, employment history etc.

“What I do at Crown Credit Solutions is help people get into a vehicle that meets their needs – it might not be the car you want but it will be the car you need – ad help them get back on their financial feet. And if they get better, it’s good business for us. Where will they get their maintenance done? Who will they speak highly of and recommend to friends? Ashok Dilawri wants to help people and it’s my job to make sure we do that whenever we can.”

What’s Better? New or Used

By blogsadmin | Posted in Did You Know on Monday, May 30th, 2016 at 7:43 PM

We have to admit, we’ve heard it all. Should I buy a new car or a pre-owned vehicle? Should I buy from a dealer or scoop something off Kijiji? What are the pros and cons?

We turned to general manager of Crown Credit Solutions, Shaun Proutt for the answers. Shaun is the guy who can get anyone into a vehicle, even people with less-than-acceptable credit. He’s also the guy who has thought long and hard about the options offered when it comes to buying new or used.

“My personal preference? I’m a new car guy,” Shaun said. “I like the five-year, 100,000 kilometre warranty. I’m a guy who likes peace of mind. Like most people, I’m extremely busy and I don’t want to have to worry about my car. If there is a problem, I can drop it off at the dealership and in a couple of hours, I have it back. And because the Dilawri Group has a partnership with Enterprise Rent-a-Car, if my car is going to be in the shop for an extended period, I can rent a car and have it put on the service bill.”

Even though Shaun is a new car guy, he also believes that buying a pre-owned vehicle from any CROWN dealership is still a great decision.

“I know a new car depreciates quickly, so I always have the option at Dilawri to buy a pre-owned vehicle and if the pre-owned car is just a year old, I still have four years on the warranty.”

“Buying a used car from a private sale can be dangerous. Sure, the car has to be safety checked, but in most cases, you’re still not getting a warranty. At Dilawri, if you purchase a pre-owned vehicle, you not only get the Manitoba-government safety check, we do our own on top of that. At Dilawri, you know the car’s history. There is no danger at all, buying a pre-owned vehicle from one of the Dilawri dealerships.”

In other words, new or pre-owned, buying a vehicle at any CROWN Auto Group dealerships will not only provide you with exactly what you’re looking for, it will also give you peace of mind.

The Dilawri Automotive Group

Founded in 1984 by Ashok Dilawri, the Dliawri Automotive Group has more than 400 employees and includes seven Winnipeg-based car dealerships. It also provides customers with the Waverly Auto Mall (WAM) Collision Center, a 24-bay glass, paint and auto body center; D-MAX, a 14-bay detailing center; and GAS Performance, a specialty aftermarket and performance accessory showroom with the largest inventory of custom wheels and tires in Winnipeg. The Dilawri Automotive Group has been named one of Canada’s 50 Best Managed Companies.

Check us out at: thedilawrigroup.ca

5 Tips for Getting Better Fuel Economy

By blogsadmin | Posted in Did You Know on Sunday, May 15th, 2016 at 7:30 PM

One of the most important things to prospective car buyers in the current market is fuel efficiency. With gas prices rising, buyers want a vehicle that doesn’t break the bank when it comes to fuel consumption. Here are a few tips from Automax you can do to enhance your fuel efficiency.

1. Easy With that Right Foot. Every time you accelerate you open the throttle which means more gas is getting dumped into the engine. This is especially prevalent for cars with turbochargers and big engines.

2. If you can, live without the AC. While this is not as much of an issue as it used to be with more efficient AC systems and drivetrains being made, having your vehicle’s air conditioning on will definitely have an effect on gas mileage.

3. Regular Maintenance is key. Simple things like having a clean air filter and proper air pressure in your tires can have a big effect on fuel economy. A dirty air filter equals poor flow and performance through the engine and when you don’t have enough air in your tires it means more rolling resistance.

4. Coasting. Your vehicle goes through a lot of effort starting from a dead stop so if you can, try and time yourself at lights. If you know a light is about to change, take your foot off the gas and slow down, instead of coming to a dead stop and having to start again. It’s also a good idea to coast down hills when you can.

5. Try for a consistent speed. On the highway, if you’re going a consistent, steady speed, you can save as much as 2 to 3 mpg. Cruise control is great and will keep your speed consistent.

If you’re putting all of these suggestions into practice, chances are you’re saving on gas and money and that’s always a good thing.

4 Benefits of Proper Tire Inflation

By blogsadmin | Posted in Did You Know on Sunday, May 15th, 2016 at 3:40 AM

When your tires are properly inflated you can improve your gas mileage by 3.3 percent. Not only does your gas mileage improve but properly inflated tires are also safer and will last longer. Under-inflated tires can cause poor gas mileage, won’t last as long, and affect the vehicle’s handling and can cause vehicle overloading. The manufacturer’s recommendations for tire pressure are often found on a sticker on the driver’s side door, in the glove box, on the actual tires themselves or in the owner’s manual.

The following are three benefits of proper tire inflation. Note: many newer vehicles now come equipped with a tire pressure monitoring system, or TPMS. For those not fortunate enough to own one of these new vehicles, here are a few reasons why you should have a tire pressure gauge and check your tire pressure regularly.

  • Fuel Economy. This is one of the most important things to prospective buyers in today’s market and having properly inflated tires means better mileage. This means going further with fewer trips to the gas station, whether it’s city or highway driving.
  • Less Wear. It’s a known fact that properly inflated tires will not wear out as fast as under-inflated ones. Also, “bad wear patterns” (where the tread in certain spots wears down quicker than others) will not be as much of an issue.
  • Keeping you Safe. Proper inflation equals better vehicle handling. If tire pressure is low, handling can be affected due to loss of traction and the possibility of an accident will increase. If you have the right amount of tire pressure, your vehicle will handle like it’s supposed to and your chances of having an accident will significantly decrease.

Avoiding Accidents

Good tire pressure also provides better handling in a vehicle. When tire pressure is low, on the other hand, the risk of some kinds of accidents can increase. When the vehicle is not as able to maintain traction on the road, driving gets generally more dangerous. This is another prime reason why drivers who know about the best car maintenance procedures always make sure that their tires are holding the correct amount of air pressure.

The idea of adding air to a tire is pretty simple. The problem is that all over America’s many communities, there are plenty of gas station air pumps that are simply worn out and have bad connections, incorrect gauges and other significant problems. The high number of accessible gas station air pumps is meant to help drivers with this essential maintenance, but too many of these machines actually confuse the driver more when it becomes hard to accurately measure air pressure. Keeping your own well functioning tire pressure gauge and using it instead of the readers on the gas station air compressor nozzles can help ensure proper inflation.

Those who don’t understand the practice of tire inflation should take a look at the owner’s manual for their vehicle and think about adopting this regular maintenance for keeping their car in better condition, saving money and improving safety.