AUTOCENTERS HERCULANEUM BLOG - ST. LOUIS, MO

How Does Kelley Blue Book® Value Used Cars?

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Used car prices are sometimes tricky to navigate--they can vary so much based on location, season, even based on what new cars are coming out, or what cars are being discontinued.

If you're wondering what your used car is worth, you want to be prepared with some solid information and research before you go to list it online, to sell it to a dealer, or to use it as a trade-in when you want to buy a better, newer vehicle.

There are a few different used car appraisal tools out there that can help, but one of the most…

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Should You Refinance Your Car Loan?

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Refinancing a car loan is one way to lower your monthly payments if you're having a hard time making them consistently and in full.

But, it's not your only option.

Along with a path of refinancing, you can trade in your current car to a local St. Louis car dealership and get into a more affordable car that's a better fit for your lifestyle.

Whatever reason you have to need to make changes fast, AutoCenters Herculaneum wants to help you find the solution that's going to be right for you--no matter which it is.

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The Ultimate Credit Tip

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This key credit tip from AutoCenters probably isn't going to come as much of a surprise, but with tax refunds starting to come in--and Herculaneum and St Louis locals getting excited about what they'll spend it on--it's time for this helpful reminder:

The best way to raise your credit score is to pay everything on time, all of the time.

It's simple, but it's true.

Every on-time payment is like a gold star on your credit report. And every late payment? Is a harsh mark.

 
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5 of the Best Cars to Buy Used

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While there are some vehicles out there that are a genuinely strong value to buy new, they are few and far in-between. The vast majority of modern vehicles will offer you a significantly lower price, and better deal, if you buy a model that's even just a year old, instead of brand-new.

How is that possible?

 

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Your Tax Refund Could Be a Helpful Downpayment

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Tax season is up on us in Herculaneum, and drivers all across St. Louis are getting the paperwork together and crossing their fingers for a big, fat check to come back in the mail.

Whatever your federal or state tax refund looks like this year, consider using that cash as a helpful, healthy downpayment on your next car or truck! Whether it's $500 or $5,000, every bit helps to shave down the overall cost of the loan that you'll take out.

 

 

 

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Follow the 20/4/10 Rule for the Smartest Auto Loan Options



 
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You want to get out of that old car and into a new truck, SUV, or sporty sedan. But, you want to make financially smart decisions for you and for your budget.

Can you have both?

If you follow the 20/4/10 rule (guideline) it's easy to figure out how much car you can afford, and what you can comfortably pay per month to stay on budget and not stress over your loan.

 

 

 

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How to Check Your Credit Report or Credit Score for Free

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Whether you're shopping around for a car loan in St. Louis with bad credit, or you're just trying to build your credit and want to know more about your current standing, seeing what's on your history could make a big difference.

Why get a free credit report or free credit score?

Even if the score you receive isn't 100% accurate, it'll help you make smarter financial decisions about what kind of car you want, and what prices you can afford. We've compiled a list of some great resources for checking your credit without hurting…

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Start the New Year with a New Credit Score

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2018 is Sure to Be Filled with Opportunities

 

Have you been keeping up with our credit tips?

If you have, you may already be noticing some positive changes in your credit score! Every small change in your spending, saving, and payment habits mean small steps toward better credit.

Bad-credit and no-credit drivers in St. Louis are well-armed for the New Year with ideas and inspiration for turning around their scores for the better--but in the meantime, we're here for you.

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