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Should I Get an Extended Warranty on a Used Car?

Should I Get an Extended Warranty for the Used Car I Plan to Purchase?

When it comes to buying a used car, it can be hit or miss in terms of whether it will cost you a lot in repairs, or if it will run for a long time with minimal maintenance and expense. However, what you can be pretty sure of is that the older it gets the cost of maintaining that vehicle will increase. That’s why buying an extended warranty at the same time as buying that used car can be such a good investment. Not all dealerships offer it, but aftermarket warranties are available if you do not have the option to purchase one at the time of your car purchase.

Certain Car Parts Have a Limited Shelf Life

When it comes to maintaining your vehicle, some parts, with proper care, can literally go on forever. Other parts may only last so long, which is what extended warranties are for. When you go to an automobile dealer and purchase a new car, they often provide what sounds like a pretty good warranty. However, there are little details that many car-buyers are not aware of right away. For example, most new-car automobile companies give you bumper-to-bumper warranties for a certain number of months or miles, then a limited warranty kicks in for some additional number of months or miles on just the drive train. That means, if your car breaks down during that extended period, the repairs may or may not be covered. But when you buy a used car, it’s very probable that the age and miles puts it beyond the manufacturer’s warranty, and you can be sure that something is going to break down at some point. When you opt to take out a full-coverage extended warranty with your used car purchase, if repairs are needed anytime during the warranty period, it will be covered.

Letting the Warranty Cover Your Repairs Means No Expensive Monthly Car Payment

One of the biggest benefits of buying the extended warranty for your used car is that you have protection if something major, like your engine or transmission, needs repairs. The warranty will cover the cost of the repairs. Without that warranty, you could be stuck deciding between covering the cost of the repairs yourself, or having to buy another vehicle if the cost of repairs is more than the value of the car. If you decide on buying a new car, you may wind up with an expensive monthly payment that you didn’t plan on. Many people buy used cars to help keep their monthly expenses at a manageable level. If you are one of them, then this is a situation your extended warranty can help you avoid.

Extended Warranties Help Keep Older, Used Cars Running Longer

One thing many people do not consider is how to keep an older running. If you are able to keep up with small repairs as they occur, it is going to stay running much longer than if you ignore them. As an example, let’s take a nonworking power window. If the problem is electrical, many people can’t, or don’t want to fix it themselves since it would involve taking the entire door panel apart to get to the problem, which can get quite involved and expensive, so they leave it. The problem is, this can cause other issues with the electrical system within your car. If left unrepaired long enough, you could wind up with a major electrical problem that might prevent your car from running properly. By having the problem fixed as soon as it happens, thanks to the warranty, you eliminate the possibility of the problem escalating.

You Have Options When Buying an Extended Warranty for a Used Car

Depending on what you are looking to spend, and what you want covered, you have a lot of options when deciding on an extended warranty for a used car. You can go with the full-coverage extended warranty, which typically cover everything in the vehicle, bumper to bumper, for a set amount of time or number of miles. So, basically, if anything goes wrong in your vehicle, you can get it fixed with little or no out-of-pocket costs, depending on the deductible option you chose.

You also have other levels of coverage to consider. If you want, you can get an extended warranty that simply covers major aspects of your used car, such as the transmission or the engine. This leaves out smaller repairs that may come up. This is good for people who are able to fix many of the smaller problems on their own, but do not have the tools, shop, or time to take care of more serious problems. The ultimate decision about what level of coverage you want is up to you and how much you are willing to pay. However, for most people, going without any sort of extended warranty for your used vehicle simply does not make sense.


No matter what car or truck you purchase from our extensive inventory, Eden Autos gives you with a 5-day money-back guarantee, a free Carfax report, and a 3-month or 4,500-mile bumper-to-bumper warranty. And, of course, all of our customers are urged to get an Extended Warranty. We only sell GWC warranties, with options designed to fit nearly every vehicle and every buyer’s budget. GWC Warranty’s Used Vehicle Coverage ranges from protection for basic powertrain components to extensive coverage that rival manufacturer’s basic factory warranties. And your GWC Warranty works with a nationwide network of service facilities so you can drive your new vehicle worry-free. In the event of a covered mechanical breakdown, you can take your vehicle to any ASE-certified and reputable repair facility. Support and online resources are available in the event of a claim.

For more information about our vehicles, warranty choices, or financing options, our professional staff is always available to discuss it with you on the phone or in person at our convenient NE Philadelphia dealership. 

6 Misconceptions About Used Cars

6 Misconceptions About Used Cars

When it comes to buying a used car, a lot of people worry about what problems and issues could come with the car they are considering. They worry that the car they want will not live up to their expectations, and that they will later come to regret being stuck with it. The hope is to find the one vehicle that will not end up being a money pit a few hundred miles after it’s bought. Buying a used car does take a bit of research before you make a purchase. However, it can be a very sound purchase when you make an educated choice as to what vehicle to go with. Here are some of the most common misconceptions surrounding the purchase of a used car, and what you need to know to protect yourself.

1. All Used Cars Have Problems, Which Is Why They Are Being Sold

While there are some people who do sell their cars when they start to have problems, most people don’t. The majority of people sell their cars for much simpler reasons. For example, when a child begins to drive on their own, a smaller vehicle is often a better choice. When a family gets larger, a bigger vehicle is often necessary. Some people like to buy a new vehicle every few years, so they simply sell or trade-in their old vehicle to reduce the cost of their new vehicle.

Just because an older car is for sale, it doesn’t mean it has been in an accident or that it was not maintained properly. Talk to the person selling the car to find out the reason behind the sale. If they say that it had all the proper maintenance, ask for the records and receipts to show it. That way, you get the peace of mind that comes with buying a well-maintained vehicle.

2. The Background of Used Cars is a Complete Unknown

Many people worry about buying a used car because they do not know its history. What if this car was involved in a crash sometime in the past, or perhaps it got flooded? How in the world is a used car buyer supposed to know the background of the car they plan to buy? Luckily, in today’s market, you have the option of getting a report on the vehicle; with Carfax being the most well-known company providing that service.

What you do is put the vehicle identification number (VIN) into the system and pull up a report of every time that vehicle was involved in anything that might generate a report. It could be an accident report, or it could be a report that was created for work done on the vehicle. Floods, fires, fender benders, and maintenance can all come up on a vehicle report. So, if you want to find out what happened in a vehicle’s past life, consider getting one of these reports to soothe your mind.

3. A New Car Would Be a Better Monetary Investment Than a Used Car

This is one of the most common misconceptions out there. The truth is, the very second that brand-new car leaves the dealer’s car lot, it depreciates. It does not depreciate by a tiny bit, either. Your car loses as much as one-third of its value the second it leaves the dealer’s property. So, your $30,000 car is now worth approximately $20,000 in less than a minute. That right there can make a used car a much better value. If your car is worth $10,000, and you pay $10,000 for it, you got your vehicle at a good price. Over the next year, with good care and maintenance, you may lose 5% of what your vehicle was worth. That means that over a year, you lose significantly less money on the value of a used car over the value of a new one.

4. Used Cars Need to Have More Insurance Coverage

Many used car buyers worry about having to have more insurance coverage to help them be prepared for the what-ifs of a used car. Insurance premiums are determined by a few different factors; the age of the vehicle, where you live, how many policies you have with your insurance company, and the history of the vehicle all play a part in the price. Some even worry that things like adding a roadside assistance plan to a used car policy will be expensive, however, the cost of adding roadside assistance is often less than $50 per year.

5. New Cars Will Have Many More Features

This misconception totally depends on the vehicle you plan to buy. If you are buying the base model of a new car, the features you may want probably won’t be there. However, if you buy a top of the line used car, the features it has will likely be more prevalent than the base model new car. You need to decide what operational, safety and luxury features are must-have items for you. Then, look for vehicles with those features first. That way, you get the features you want, without having to pay the higher price of a new vehicle.

6. Used Cars Are Totally Unsafe

This, again, depends on the vehicle you choose. Each car has specific things about it that either make it safer or not as safe. Look at the features you want in terms of safety, and find vehicles with those features. Much like the features you can look for that make the vehicle more enjoyable to drive, safety features are all over the place. Many safety features are required, but some are still optional. Figure out which ones you need most, then look for vehicles that have those items already installed.

Buying a used car does not have to make you nervous. All you need to do is make sure you have done your homework prior to starting the process. Look up what things you want and need, then search for a vehicle that matches, instead of doing it the other way around.

At Eden Autos, we are committed to providing every customer with peace of mind and confidence that they are getting a dependable pre-owned vehicle. Every car and truck in our inventory comes with a 5-day unconditional money-back guarantee, a Carfax Report, and a 3-month or 4,500-mile bumper-to-bumper warrantee. We are conveniently located in on Roosevelt Blvd. in Northeast Philadelphia, and our professional staff is always available to help you find the best vehicle for your needs, with affordable financing that’s within your budget.


5 Tips for Buying a Used Car

5 Tips for Buying a Used Car

With automobile sticker prices on a constant rise, many people find it more difficult to buy a new car and keep the payments within their budget. So, the time has finally come; you've decided that your next car should be a used one to keep the monthly payments within your means. But where do you begin? Take a look at our five top tips for buying a used car:

1. Think About How Much You Can Afford
If you're planning to take out a loan for your upcoming purchase, the ideal situation is for your monthly payment to be no more than 20 to 25 percent of your take-home pay. Of course, it all depends on your personal financial situation; the total amount of your current monthly expenses will determine how much is available for car payments. While used cars may need a little more attention than a new car, the cost of these services is normally minimal compared to the cost of a new car.

2. Build A List of Potential Used Cars
There are a variety of used cars out there that hold their value more than others, but that doesn’t mean that all the others are any less reliable. You should always consider evaluating more than one brand. Make a list of the brands and models you are interested in buying, and you can then compare these side by side in terms of their cost, features, maintenance, and insurance.

3. Locate Used Cars for Sale in Your Area
One way to locate used cars for sale by private individuals is to check the classified sections of the local papers. However, a far easier way to get more detailed information and pictures is to search through local dealerships on the internet. Filters on most car dealer sites enable you to focus on exactly what you’re looking for, such as age of vehicle, features you may want or need, mileage, and warranty information

4. Get A Vehicle History Report
This is imperative when purchasing a used car. Even if you plan to buy a used car from a close friend or relative, it is essential to know the history of the car and where it came from. If the car you're interested in has a poor history, it's better to find out sooner rather than after you own it. There are companies from which you can get car history reports, like Carfax, and most used car dealers will provide you with a free report.

5. Take the Car for A Test Drive
There's nothing like getting behind the wheel of whichever car interests you to know if it's a good fit for you. Test driving a car enables you to check out its features and all the bells and whistles it comes with. You'll also get to see what condition the car is in, so you can decide if it matches what you are looking for. One of the best ways to take a test drive is to find your used car through a reputable pre-owned vehicle dealership, like Eden Autos.


At Eden Autos, our professional staff is always available to guide you through our extensive inventory of quality pre-owned cars and trucks, and test drive those you’re most interested in. To insure are customers drive away satisfied with their purchase, we provide a 5-Day Unconditional Money-Back Guarantee, a Free CarFax Report, and a 3-month, 4,500 Mile Bumper-to-Bumper Warrantee.


Give us a call for more information, or feel free to stop in any time.



7 Ways to Build Your Credit

7 Ways to Build Your Credit


Nobody wants to be in debt. We all want to get through life with the right amount of money and the right ratio of expenses to income, but it’s not always easy to make that a reality. Unfortunately, life circumstances lands countless people with bills they simply cannot afford to pay, and debt that keeps increasing and increasing. The more debts you have, and the less of them you’re able to pay off, the worse your credit score will be. This may be more important than you realize, as letting your credit score drop can have wide-reaching consequences.


One of the most significant of the consequences is the difficulty you will face trying to secure financing in the future for a variety of reasons; you may have to make repairs on your car, and need an auto loan; you may have to undertake maintenance on your home, such as roof repairs, and look to a bank for a home renovation loan; you may need a vacation and a credit card to make it happen. Whatever the motivating factors, loans are essential at times, but poor credit can leave you unable to get one.


How Credit Scores Are Measured

Credit scores reflect your personal creditworthiness and suitability as a borrower. A bank or lender will look at your score and history, and often make a snap judgment about your application. A low rating and poor history for making timely payments will mark you as a high-risk borrower, who may appear unlikely to make payments to the lender as required. Obviously, financial institutions depend on those payments to survive, and if a borrower’s rating and history indicates payments are unlikely to be met, there is little reason for them to grant a loan. This may be harsh, but the lenders are unlikely to listen to your reasons or offer much in the way of sympathy.


Credit scores range from 300 to 850, and the most commonly-used system is FICO, the Fair Isaac Corporation. Any rating at 750 or higher is considered excellent, 700 to 749 is good, 650 to 699 is fair, and anything below 650 is regarded as poor. You need to take care with your credit and spend wisely to keep your score in the good or excellent range. Here are seven ways that can help you do just that:


Monitor Your Credit Card Balances

One of the most important ways to avoid a poor credit score is to stay on top of how much credit you use, compared to your credit card limits. In general, it’s better to keep the amount as low as you can, ideally to no more than 30 percent of the credit available. The most obvious and simplest way to do this is to pay your balances off in full and stop using them when approaching the limit. While this is certainly easier said than done, it really does matter. Even by paying your balances in full every month you can have a bigger ratio of usage than you might imagine.


Certain lenders take the balance on your statements and report these to their credit bureau, so even if you do pay those balances off in full, your credit score may not always reflect that. One effective trick is to try paying your balances off throughout the month rather than letting them build until the closing days of the final week. If you have multiple credit cards or loans to cover, staying on top of your balances can be more difficult, but it’s important to do so. If you have two or three, or more, credit cards, try to pay off all balances and just stick to using one or two; spreading your credit can lead to more debt than you can pay off as you need to. If need be, talk to your lenders about such things as changing payment due dates and reducing the interest rates.


Be Careful When Applying for New Credit

Some people think it’s always helpful to have more credit; the more credit cards or loans you have available can mean the more you’re able to enjoy a better lifestyle. However, you need to be careful when applying for credit; do it too often and you could wind up with a poor or bad rating that makes it harder to get credit in the future. Your credit lines’ average age contributes to your rating significantly, as much as 15% overall, and the higher this is, the better your score. Individuals with the strongest credit scores and history have credit lines with an average age of 11 years, while those with bad scores average around six months instead. For this reason, if you keep closing credit cards and applying for new ones, you may be doing yourself a disservice. Keep your accounts open for as long as you can, even with small charges that you are able to pay off each month.


Don’t Borrow More Than You Can Afford

Too many credit cards and loans may make borrowers think they have more money than they really do. Whether you take out cards or loans to cover special occasions, essential repairs on your car or home, or to have a little spending money at one time or another, it’s vital to only go with financial commitments you can afford to repay. Borrowers who manage to stick with cards or loans they can afford are much more likely to be regarded as responsible by other lenders in the future. You will find getting credit and loans is far easier if you have a history of making payments when due, or even ahead of time, without letting interest build or missing due dates. Taking care to only get cards or loans that you can realistically afford minimizes your risk of spiraling into debt.


It’s vital to work out a monthly budget ahead of speaking to a lender. Make sure you know how much you can pay back on top of your current expenses, and if your projected payments exceed that amount, avoid it. Reputable credit-card issuers and lenders will avoid giving you more than you can afford to pay back, too. While they might have a chance to get more out of you, in the long run this is unethical and potentially damaging to their reputation. Be wary of any lenders who try to increase your credit or loan amount despite you presenting them with your realistic monthly expenses, and be prepared to say no, no matter how tempting the offer may be.


Pay All Bills on Time

While not every monthly payment you make appears on your credit report, any bill can end up being listed if you fail to pay it on time. Making your payments on or before their due dates every month can be quite daunting; you may think you can let one or two bills slide and pay off double the following month instead. However, late payments are the most common negative feature on individuals’ credit reports, and can lead to big drops in your credit score. It’s vital to keep this in mind as your bills continue to come in and you’re trying to manage your finances. It can be tempting to favor one over another, but covering them all is the only way to avoid impacting your credit score in a negative way.


Take the time to work out your monthly payments and note the due dates of all bills. Even missing a payment by a day or two can have a negative result on your credit report. One effective way to avoid this is to set up automated payments, if possible. This means the money will be deducted from your checking account automatically on a specific day every month. Just make sure you have enough money in your account to cover the payments, and you’ll be fine.


Watch How Often You Move

Believe it or not, moving too often within short periods of time from one house or apartment to another can have a detrimental effect on your credit rating. For starters, when you first apply for a new apartment, the owner or management firm is likely to check your credit history and score. This inquiry into your past will be logged, and remain on your history for a couple of years. Just like applying for excessive credit cards or loans, having too many prospective landlords or managers making a hard inquiry into your past can drag your score down.


Moving too often may also make you appear to be unreliable or unstable. On top of this, moving from one property to another brings an additional risk; with all that’s involved with planning and executing a smooth relocation, you can easily forget to inform each of your lenders of your new address. Unless you arrange to have your mail forwarded, your bills may be sent to your former residence, leading you to possibly forget and miss payments. This would drag your credit score down considerably. Try to limit how often you move, and always keep lenders informed of your current address, as they may see your failure to do so as an attempt to avoid your debts.


Pay More Than the Minimum Monthly Amount

Paying only the minimum amount of money owed each month might seem like a perfectly fine way to manage your debts, but be careful. If you only pay the bare minimum each month for consecutive years, your lenders might take this as meaning you can barely afford your current expenses. As a result, these same lenders could well refuse to offer you any further credit or loans in years to come. Try to pay a little extra on each payment to make a bigger dent on your overall debt and demonstrate that you can afford to pay off more than the minimum.


Don’t Get Carried Away with Credit

For first-time borrowers, building a collection of different credit cards within a short period of time can be tempting. The freedom and flexibility that comes with credit, allowing you to spend what and when you like, can become compulsive. Banks and lenders might offer incentives and rewards with which to tempt you into signing up for new cards and loans. You may be promised competitive cashback, gift cards, freebies, and more.


It’s vital, though, to ensure you don’t take on more than you can handle. Opening and using too many credit cards too soon can leave you struggling to cover the monthly payments. Start off with just one card, get used to it, and think carefully before taking out another one. This is true of loans, too. If you take out a loan, such as an auto loan for a new vehicle, you must avoid going for an amount greater than you financially afford. However, if you have little or no credit history, taking out a manageable loan can help you build up a good rating over time. Hopefully, by following these seven tips you should be able to achieve and maintain a good credit rating for a more secure financial future.


Constant auto loan turndowns because of a poor credit report can be extremely frustrating, especially when your need for a new vehicle is crucial to your family or employment needs. And it can be even more frustrating if you are now in a better financial condition than you were in the past. That is why Eden Autos has financing options to meet virtually any personal financial situation. If you are now able to meet all your existing expenses and make the car payments, we have plans that will allow you to get the car or truck you need. With instant credit approval, we are committed to helping you drive away in one of our quality pre-owned vehicles, with a payment plan you can afford. Give us a call, or stop by anytime and one of our professional staff will work with you to make it happen.






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