If you live in Arizona, you probably already know just how important car air conditioning is. This is especially true in the summer months when temperatures regularly climb over 100°F and stay there for hours at a time. Many residents in the Tucson area make a point of getting A/C maintenance at their homes before the temperature gets too brutal, and it’s also a good idea to get a car A/C tune-up. Taking a proactive approach to your car air conditioning system is important for a variety of reasons:

• If the mechanic has an opportunity to identify minor issues and potential problems, the repairs will be relatively inexpensive. If you wait until the problem grows, on the other hand, it may end up leading to costly repairs.
• Arizona is extremely hot. Because of the summer weather here, we wouldn’t recommend going without air conditioning for any amount of time. In other words, we highly recommend against letting your car’s A/C go out in the first place. Even if you take it in for emergency car A/C repair as soon as you can, you’re still going to be dealing with an uncomfortable drive to the service center. Sitting in a hot car gets unpleasant in a hurry, so prevent yourself from getting into that situation in the first place.
• Taking good care of the air conditioning system in your car will add years to the life of its parts. When one part is worn down or malfunctioning, even if it isn’t enough to cause a complete failure of the car A/C system, the inefficiency caused puts more strain on the other parts. Being proactive will save you a lot of time, money, and discomfort in the long run.

Does Hot Weather Affect Car A/C?

The hotter it is outside, the more frustrating it will be if your car can’t cool down. Unfortunately, there’s actually the highest level of risk that your air conditioner will fail during the hottest times of the year. This is because trying to combat the excessive heat puts additional strain on your A/C system.

Once the temperature gets higher than roughly 90°F, the air conditioner in your car starts to work at full capacity. Most people also turn the air conditioner all the way up and run it for a long time while they drive because it feels so nice to get a good cold blast while the weather outside is scorching hot. Unfortunately, making your air conditioner work as hard as it can for extended periods of time is hard on it.

You can reduce the burden a little bit by running your system on low (or at least as low as you can while still staying comfortable). This is easier said than done at times, but some Tucson residents intentionally run their errands in the early morning or late evening when temperatures are cooler because this makes it easier to stay comfortable. Other than that, your best bet is to get a car A/C tune-up before the months that will place the most demand on your system.

Car A/C Tune-up for Summer

Since running your car’s air conditioning on low isn’t always a great option when it’s extremely hot outside, it’s important to make sure everything is in good shape and ready for the hard work. Suppose you bring your car in for regularly schedule A/C maintenance. In that case, the technician can look at a variety of different components to see if your system is experiencing any of the most common problems:

• Check the refrigerant levels, recharge if needed, and look for leaks in the system that could cause your refrigerant to get low.
• Look into the status of the blower to make sure it’s clean and functional.
• Confirm that the inner controls are working as expected.
• Examine related components like the radiator coolant operation, hoses, thermostat, and pressure radiator cap.
• Inspect the compressor belt.
• Perform a cooling system pressure test and confirm that the A/C pressure meets specifications from the manufacturer.
• Measure the temperature coming from the internal vents.

How Do I Know if My Car Is Having Air Conditioning Problems?

The more proactive you can be, the better. If you’re not taking your vehicle in for regularly scheduled maintenance, it’s even more important to know about the early warning signs that it’s time for car A/C repair:

• It doesn’t blow as cold as it used to or doesn’t get cool as quickly as it used to.
• The air coming out smells musty, mildewy, or otherwise unpleasant in any way.
• The defroster doesn’t work or takes a long time.
• The air conditioning in your car only works when you’re driving, and it stops being effective when you’re at a standstill.
• You notice your car air conditioning system blowing hot air.
• Even when you turn the fan setting all the way up, you can barely feel any cool air coming out of the vents.

What Do You Do if Your A/C Goes Out in the Summer?

If this happens to you in Arizona, it means you’re going to want emergency car A/C repair as soon as you can get it. If your car is parked in the sun with the windows up while the temperature is 100°F, the temperature inside your car can reach levels over 150°F. Since Tucson regularly reaches high temperatures of roughly 110°F or more every summer, the temperature in your vehicle will be even higher than 150°F.

Not only is it uncomfortable to sit in heat that extreme, but it’s also dangerous. You might be tempted to try to save some money by rolling the windows down to catch a breeze while you drive, but that isn’t the best plan if you have any interest at all in being comfortable in your car. Instead, bring your vehicle to a reliable mechanic who can see what’s wrong with your car’s air conditioning and get it working again as soon as possible. Every day you procrastinate is a day your car stays hot, so find a vehicle service center in Tucson today.

Where Can I Get My A/C Checked?

Most places that work on cars, from Tucson’s used car dealerships to your local auto repair shop, can provide car A/C repair. With that in mind, we recommend choosing a place that has a great reputation in the community. Since the air conditioning is so important when it comes to keeping you cool, it’s probably best not to trust the job to someone unless you know they can do it right. Beyond that, it’s also a time-sensitive issue, so look for someone who will let you schedule service right away.

Save Money on A/C Repair at Cactus Auto

Here at Cactus Auto , we pride ourselves on offering the best deals. That isn’t just when it comes to buying a used car, either. We also offer excellent prices for the most common maintenance, including car A/C repair. While our prices are always good, you can save even more money today by checking for our car repair and service coupons !

Image Source: Bjoern Wylezich / Shutterstock

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Used Car Inspection Checklist

Finding the perfect used car can provide excellent value for your money, but it is wise to have a used car inspection checklist to guide you through evaluating used vehicles as you shop. Here are several factors to consider when investing in a used vehicle.

Check Mileage

US drivers’ average mileage is around 13,500 miles per year, so anything more may mean that the potential vehicle has above average mileage for its model year. If this is the case, you may be able to get a discount on a higher-mileage vehicle.

Check the Vehicles’ History Report

Getting a vehicle history report from CARFAX is an excellent start for investigating any accidents, damages, or other types of claims made on the vehicle. The long-term effects of any such damage should factor into your purchase decision.

Examine for Rust and Paint Discoloration

Sometimes rust is just an aesthetic issue. However, it can also indicate that there are costly underlying problems. Check the frame, under the hood, and undercarriage for rust because it could be a sign of integrity issues with the vehicle.

Paint jobs can also give buyers information about a used car’s history. If you notice a lack of uniformity in the color or condition of vehicle panels, it likely means that there was damage and replaced panels.

Open the Hood

In addition to checking for rust under the hood, there are several other key indicators of a car’s condition, history, and maintenance.

• Belts: Check them for wear because frayed or torn belts need to receive replacements.
• Battery: inspect the area for leaks, correct contacts, corrosion, or damaged cables
• Oil levels: Check the oil level and find out if the oil has been recently changed or if it needs to be added to service before purchasing.
• Transmission fluid: Verify the levels are high and that the color is clear and reddish.
• Brake fluid: If the brake fluid levels are low, it could indicate that the brakes are worn or may need repairs.
• Antifreeze: Ensure that the color is clear and there is no oil contamination.

Tire Inspection – Examine for Wear

The standard coin tread depth test is a quick and efficient way to check the tread on tires. If the tread appears worn down, it may indicate that the tires may need replacement soon, and if the wear is uneven on the tires, it could indicate a problem with the vehicle’s alignment. Both of these could end up costing you more and should be considered.

Undercarriage & Leaks on the Ground

When checking the undercarriage for rust, check it for any signs of leakage. Leak repairs can add up quickly, and if you notice leaks, you may be able to negotiate a better price.

Driving Test

A test drive gives you the opportunity to notice many things, from warning lights or check engine lights, to strange sounds, to odd vibrations or jerkiness. Try to drive on different road surfaces and allow for different speeds and start-stop opportunities so that you can notice if the steering wheel turns to one side or vibrates or if the brakes have a good feel. Check the parking brake, and feel if the gear shift on a manual vehicle is smooth.

Test Drive Used Cars in Tucson

If you are looking for a diverse selection of used vehicles in Tucson, AZ, Cactus Auto encourages you to bring your used car checklist down and take a test drive with our friendly and honest staff. Contact us today for more information. We are prepared to help you find the perfect vehicle for your lifestyle.

Image Source: Iryna Inshyna / Shutterstock

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As you read about pre-owned vehicles, you’ll learn:

• Why you should consider buying a used vehicle instead of a new one.
• How purchasing a used car helps you make the most of your investment.

When you decide that it’s time to buy a vehicle, you have to choose between purchasing a new or used car . Your first instinct may be to buy a new vehicle, but purchasing a pre-owned car is a better option for many people. If you’re in the market for a new car, here are four reasons to look for a used vehicle instead of a brand new one.

1. The Price

Purchasing a vehicle is a huge investment. Many people just can’t afford the hefty price tag that comes with many new cars. Used vehicles may have a few miles on them, but they also come with a significantly reduced cost. While a new vehicle may be out of your budget, a used one may be well within your price range, and there are still financing options available for pre-owned cars.

Buying a used vehicle doesn’t mean you have to compromise on desired features, either. Most used cars in dealerships are only a few years old, so they still offer many of the features you want to make your ride a true home away from home. You can still have high-tech features such as navigation and Bluetooth without paying the full price.

2. The Dependability

Just because a used vehicle costs less than a new one doesn’t mean that it is any less dependable. Most car brands strive to create models that will last for hundreds of thousands of miles, so you can get years of use out of vehicles that several people have previously owned. Every used car on a dealership’s lot goes through extensive testing to ensure it still runs reliably.

3. The Peace of Mind

You might want to look for used cars sold by people in your community, but it’s a much better idea to buy from a certified dealership. Because dealerships test used cars extensively before putting them on the lot for sale, you know the vehicles you are looking at are reliable. You never have to worry about being sold a car that will have problems immediately after leaving the lot. You may even find a vehicle that is still under the original warranty!

4. The Decreased Depreciation

It’s no secret that used cars are less expensive than their new counterparts. What you may not know is that new and used vehicles also have different depreciation rates. The seconds you drive a new car off the lot, it loses up to 40% of its resale value. This means that if you decide to sell the car for any reason, you won’t get nearly the amount of money back that you invested originally.

Used cars, on the other hand, depreciate much more slowly. Because it’s already lost a lot of value, it won’t lose much when you drive it off the lot. The vehicle retains its value, so you can sell it for what you paid for it if you need to. This keeps your initial investment strong, so you get the most of the money you spent. By letting a previous owner take the depreciation hit, you can keep your investment strong.

Find the Best Used Cars for Sale at Cactus Used Cars in Tucson

When you decide that buying a used car is the right option for you, it’s time to visit a certified dealership. If you live in Tucson, Arizona, or the surrounding area, you can find a huge selection of certified pre-owned vehicles at Cactus Auto . Our dealership is conveniently located just off of Interstate 10 near the intersection of Romero Road and West Prince Road. Visit us today to browse our vast inventory of used cars, trucks, and SUVs to find the perfect vehicle for you.

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Finding the Best Used Van

There are some situations in life that just seem to require a van. There’s something nice about getting all of the height and room of a larger SUV while still enjoying a driving experience that feels more relaxed and familiar. These vehicles are perfect for families, road trips, and many different kinds of jobs. No matter why you’ve decided that a van is the best vehicle for you, choosing a pre-owned van instead of a new one can help you save a lot of money when you buy your vehicle.

What To Look for in a Van

Once you’ve started looking into vans, you probably already have a pretty good idea of what sets these vehicles apart from other options. Still, not all vans are the same. Compare your options to make sure you’re getting the exact combination of reliability, size, value, and performance that fit your needs. Don’t be afraid to ask lots of questions at the dealership as you weigh your options, and you can also find great information by searching online. We usually recommend thinking about all four of the following factors.

Reliability

Whether you’re using the van to transport your family or move a lot of gear, it’s especially important to know you can count on your vehicle. If you’re using your vehicle for work, it’s important to know that you can get yourself and all of your cargo where it needs to go. If you’re using your vehicle to transport your family, you’ll be a lot more comfortable knowing that you won’t get stuck on the side of the road with a full load of kids.

Size

By the time you’re on the lot inspecting different kinds of vans, you’ve already realized that size matters. Still, some vans are even larger than others. It’s also important to think about how you’ll use the space inside of your van. Is it more important to you that the rear seat is comfortable enough for adult passengers, or are you primarily concerned with storage options?

Value

Let’s face it; money is important when you’re buying a van. Our vehicles are some of the most expensive purchases we make in our entire lives, so it can help a lot when choosing one that offers an especially great value. One of the best ways to save money on a van is by getting a used one instead of a new one. By giving up the new car smell, you’re putting all of your money toward features and performance.

Maintenance Costs

You can continue saving money throughout the entire life of your vehicle if you choose the right one. Look into the cost of maintenance of some of the different used vans on the lot. You’ll learn which have better fuel efficiency, which are less expensive to insure and cost the least to maintain.

Understanding Your Needs for a Pre-Owned Van

Once you know which features to look for, think about how they’ll make a difference in your life. How will you use the van on a daily basis? Are there any particular features or capabilities you absolutely can’t live without?

Family Life

Most people who want to buy a used minivan are doing it for their families. In this case, seating and safety will be especially important. Do you have enough space for all of the kids, and will they be safe on the road?

Used Vans for Work

If you’re buying a used van for your job, other things might be more important. Do the seats fold down easily to provide extra storage? Is the van easy to drive while you’re making deliveries and rugged enough to handle all of your job sites?

Best Pre-Owned Vans for Travel

The minivan is the ultimate road trip vehicle. If this is what you have in mind, you’ll need plenty of space for your traveling companions as well as all of their gear. Consider buying a used minivan with an all-wheel drive if you plan on making excursions into the mountains or other snowy locations.

Where to Buy a Used Van

The best way to get a good deal on a used car is to be mindful of where you buy it. Choose a “buy here pay here” used car dealership with an excellent reputation and strong community ties. This will help you be more confident that they have your best interests at heart.

Best Pre-Owned Vans for Sale in Tucson, AZ

Here at Cactus Auto Sales, the $500 Down Payment Dealership, we’ve been serving Tucson residents and the surrounding areas for years. As an independent used car dealership, we offer used vans of all makes and models, with only $500 down and no credit check. Stop by today to explore our selection, and we’ll help you find the right fit for your family.

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Finding the Best Used SUV

Buying a pre-owned SUV is one of the best ways to save money on your roomy, functional vehicle. It can also be slightly more complicated than buying a new SUV, especially depending on where and how you shop. If you know what you’re doing and what to expect, though, you might find that buying a used SUV is a lot easier than you expected. If you follow the seven tips below, you’re much more likely to have a successful buying experience.

1 – Decide Your Budget for a Pre-Owned SUV

The biggest reason to buy a used car instead of a new one is that you can save a lot of money. If finding a vehicle you can afford is important to you, then you should make sure you’re setting a responsible budget for yourself. After you set your budget, make sure you stick to it once you get to the lot. Think about the absolute most you can afford to pay for a used SUV, and don’t go above that number no matter what. Consider the cost of ownership (such as insurance, gas, and maintenance) while you’re setting the budget.

2 – Find the Best Used SUV for Your Needs

Once you know what your budget is, you’ll be more prepared to determine which types of used SUVs normally fall within that budget. Working within your means, think about the features and capabilities that are important to you. For example, you may want to ask yourself the following questions as you prepare to buy a used SUV:

• Do you want something with an all-wheel drive for your regular road trips to the mountains?
• How many seats do you need in your pre-owned SUV?
• Will you require a lot of cargo space to haul all of your gear around town with you?
• If you still like a sporty driving experience, is it important to find a used SUV with sporty handling and plenty of power?
• Is there a certain manufacturer you want to stick with?
• Are you looking for a used SUV with low mileage?
• Do you want a pre-owned SUV from a recent model year so you can get all of the modern technology?

3 – Learn How to Get a Used Car Loan

Asking questions like the above should help you hone in more precisely on the types of used SUVs that are the best fit for your needs and lifestyle. That will also give you a more precise idea of what you can expect to pay. With any luck, you’ll be able to find plenty of options for considerably less money than the original budget you set.

Now you have a good idea of how much money you’ll have to borrow. Getting a used car loan is slightly harder than getting a new car loan, and you’ll normally get a worse interest rate. If you find used car financing experts, they’ll be able to help you. You can even apply for a used SUV loan online in advance.

4 – Choose Your Used Car Dealership in Tucson

This step is important. Work with a used car dealer who is trusted within the community. Dealerships that are established and have good reputations won’t try to take advantage of you, and they’ll be motivated to give you the best deal on a used SUV so you tell your friends and family.

5 – Identify Options on the Lot

Look for some of the vehicles you identified during your research. If you don’t see an option that will work for you, don’t settle. Ask someone at the pre-owned car dealership to help you find a more appropriate used SUV for your needs. They should want to help you find the right vehicle!

6 – Inspect and Test Drive The Used Car

Look at the car thoroughly, and take note of anything that seems off. Keep the radio off on your test drive to listen for signs of trouble, too. Finally, ask about the vehicle history so you can be aware of any past or ongoing problems.

7 – Buy Your Used Car

Now it’s time to close the deal. Don’t be afraid to negotiate for the best deal on your pre-owned SUV. After you’ve agreed on a price, you’re ready to consider add-ons and get the paperwork in order. A trustworthy used car dealership should be able to walk you through the process easily.

Buy a Used SUV in Tucson

Here at Cactus Auto , we’re proud of our reputation as the best used car dealership in Tucson. We earn it by offering a massive selection of pre-owned SUVs at fair prices. We’re so confident in our reliable used SUVs; we offer two years of free maintenance after the sale. Stop by to find yours!

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Finding the Best Used Car

Buying a pre-owned car can help you save a lot of money, but it also comes with some challenges. Even when you buy your used car from a trusted used car dealership in Tucson, you should come into the experience prepared if you really want to get the best possible deal. With that said, though, it’s not rocket science. We normally recommend these straightforward used car buying tips to help drivers save as much money as possible while finding the best pre-owned vehicle .

Decide What You Want

When you visit an independent used car dealership, you’ll find all kinds of makes and models. This can make it hard to narrow down your search unless you already have a good idea of what you want. Think about your budget and lifestyle as you determine whether you want a sedan, truck, SUV, or something else. If you can narrow it down to a few specific models that you like, it will be even easier to do your research.

Know the Market Value of the Used Car

This is why it might help if you know exactly which make and model you’ll be looking at. To be fair, though, sometimes you don’t know exactly what you’ll find at a used car dealership. One of the benefits of shopping at an independent dealership is that you’ll be exposed to all different makes and models of pre-owned cars.

In that case, don’t be afraid to get out your smartphone at the dealership and do a few quick searches. Just tell the salesperson that you need a break to look at a few things. They should understand since they want you to be an informed buyer. Look up the type of used car you’re thinking about to see what kind of price range is fair.

Think About Age and Mileage

Is a car’s age or its mileage more important? There are a lot of different opinions about this issue, and it really seems to depend on the vehicle. In any case, it’s good to know a few things so you can understand the pre-owned vehicle you’re considering:

• The average vehicle gets driven about 10,000 to 12,000 miles each year. Divide the total mileage of a car by the car’s age to see how many miles per year it’s been driven. If the yearly mileage for a vehicle is well over 12,000 then the car could be considered high-mileage for its age. That makes it less valuable than similar cars of the same age.
• On the other hand, a car that’s been driven much less than 10,000 miles per year would be considered more valuable than other cars of that age.
• Most vehicles depreciate quickly for the first five years or so, then depreciate much more slowly.
• You can make sense of how age and mileage affect the value of a vehicle by looking at similar vehicles online to get a few examples.

Take Your Time With the Vehicle

Don’t rush the inspection or feel pressured to hurry if there’s a salesperson with you. Look for tears, stains, and other signs of wear and tear. Take a whiff to see if everything in the car smells normal. Look under the hood to see if it’s oily, cracked, or showing other signs of engine problems. Finally, sit in a few different seats to make sure everything is comfortable.

Take a Test Drive

This is an important part of your inspection. Test features like the sound system, heat, and air conditioning. Make sure there are no warning lights on, the brakes work well, and the car handles nicely. You shouldn’t smell, hear, or see anything unusual.

Check the Vehicle’s History

The used car dealership should be able to give you a full report of the vehicle’s history so you can see if there’s a pattern of repeated problems. If the same thing has been fixed over and over, you can probably guess why the previous owner bailed on the vehicle. You may even want to have a mechanic take a look.

Visit Cactus Auto in Tucson

Here at Cactus Auto , we’ve been building our reputation within the Tucson community since 1986. We know what it takes to identify the best-used cars, and we stock our lot with them. Our experienced staff can help walk you through all of the options as you identify which vehicle is the most precise fit for your needs. Stop by today to find your pre-owned vehicle!

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We Buy Cars – FAQ

Are you having trouble selling your car in Tucson? We will make the selling process easy for you. Regardless of why you are selling your vehicle, we are ready to help you get good money and have the best experience. The process of selling a vehicle can be easy as long as the dealer you choose to work with decides to work with you and not against you. How can I sell my car in Tucson? Keep on reading to get answers to some of your questions.

How Long Will I Wait Before Receiving Payment Once I Agree To Sell To Cactus Auto Sales?

Unlike other dealers who will make you wait for your payment, Cactus Auto pays you the same day. We will treat you with professionalism, whether you want to buy your new vehicle from us or not. Our buying process is straightforward and fast. Starting from appraisal to payment, you may spend 30 minutes at the most.

What Happens If I Still Owe Cash On My Car?

At Cactus Auto in Tucson, we will buy your car whether it’s paid off or not. Cactus Auto staff will do the paperwork on your behalf. After calculations, you will leave with a check for the amount after deductions.

How Much Money Is My Vehicle Worth?

You will get $1,000 more trade-in value when you trade your used car into Cactus Auto. Your Cactus Auto vehicle purchase must be more than $10,000 . You will receive up to $250 more than when you sell to CarMax. So get a better offer today!

What Is Required To Sell My Car?

The requirements needed can differ from state to state; however, you’ll need a few things regardless of where you are. They include:

• Your vehicle’s payoff information or title. All titleholders must be present.
• All titleholders to have valid state-issued photo ID
• Valid and up-to-date registrations
• All keys and remotes

Remember that you don’t require these items to get an offer for your vehicle, but if you plan to sell your used car when you get a better offer, ensure you come prepared with these things.

How Do You Determine My Offer?

An experienced appraiser in Tucson considers the current market conditions and your car’s details, including make, model, year, mileage, and vehicle history report. We assess your vehicle’s condition inside and out for major damages such as flood or flame damage. Also, we will test drive your car to see whether turn signals and brakes are functioning, among other things. In case repairs are required, we will adjust our offer accordingly. When it comes to cleanliness, long-term care and maintenance of your vehicle are essential in determining our appraisal offer.

Can I Get My Car Appraised Online?

Yes. You only need to fill out the form at the top of the page.

Can I Sell My Leased Car?

It’s possible to sell your leased car similarly to any other financed car. First, we’ll appraise the truck or car, then get in touch with the leasing company for a payoff quote then process any equity you may have. But please note that there are leasing companies that won’t allow you to sell your used car before the expiration of their lease. So, check with your leasing company first.

Can Making Modifications To My Car Affect The Offer?

Like any item, supply and demand determine the desirability of any vehicle or feature in the market. When you sell a used car, sometimes a feature can enhance the offer, and at times it can have a negative impact. In simple words, it depends on the feature or modification. Please note that an aftermarket modification can make the factory warranty to be void, reducing the offer.

Where Can I Sell My Car In Tucson?

You can sell your used car at Cactus Auto. We are located at 1602 W Prince Rd, Tucson. You can reach our sales representative using (520) 888 0910 . Remember, you can fill out the appraisal form at the top of the page for an online appraisal. You have to provide details such as:

• Model of the vehicle
• Mileage
• Images of the car
• Your name, email, phone number

Contact us today if you plan to sell your used car for a better deal.

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Use Your Tax Refund on A Pre-Owned Car

Deciding how to use your tax refund is an important decision. For many people, this refund is basically an infusion of cash that hasn’t been counted on or budgeted for, which can go a long way if things are tight financially. If this sounds familiar to you, it’s important to spend your tax refund wisely, using this money to make a big improvement in your life. One of the best ways to do this is by purchasing a pre-owned vehicle with your refund.

What Is the Average Tax Refund?

According to the Internal Revenue Service (IRS), most United States citizens receive a refund of roughly $3,000 each year. This is a nice chunk of change for most people, and it’s easy to get excited about all of the fun ways to spend it. We usually find that people make smarter decisions with their refunds once they really think about where that money is coming from. Your refund is all of the money that you overpaid in taxes throughout the year.

In other words, this is your own hard-earned money that should be rightfully yours, and it’s coming back to you after you basically gave the IRS an interest-free loan all year. It’s not just “free money,” and we definitely don’t recommend spending it on something silly. Instead, learn how you can use this cash infusion to get yourself into a pre-owned vehicle.

Using Your Tax Refund for a Used Vehicle

Even if your tax refund isn’t big enough to pay for a used vehicle outright, don’t worry! You can use the money you have as a great down payment for the pre-owned vehicle of your dreams. If you have enough money to make a significant down payment, it will be much easier to qualify for a used car loan if you need to. Putting down a few thousand dollars (which is an average tax return) will help you show lenders that you’re serious about paying for the vehicle.

When you can start off by making a great down payment like this, lenders will probably give you better options than they would otherwise. It also decreases the total amount you will have to borrow from the lender, decreasing your monthly payments. Maximizing your down payment to reduce the amount you borrow can also help you spend less money on interest over the life of your loan. Finally, you’re greatly reducing your chance of getting into a situation where you end up in an upside-down loan (when you owe more money on your car than you could sell it for).

What Is a Good Down Payment for a Car?

A normal down payment for a vehicle would be about 10%. People who are buying new cars might want to put down more than this, possibly more like 20%, because new cars depreciate in value so quickly. Fast depreciation means you need a bigger down payment to avoid an upside-down loan. The great thing about used cars is they don’t depreciate as fast.

Should I Use My Tax Refund to Get a More Expensive Car?

Your tax refund is a one-time thing (unless you overpay your taxes again next year), but car expenses are more constant. Don’t add luxury features that go beyond what your normal budget should be. Sticking to your original budget, then using your tax refund, will help you get into an easier car-buying situation that makes you feel financially secure.

Buy A Used Vehicle Today at Cactus Auto

For help buying a used car with your tax refund, visit Cactus Auto Sales in Tucson . We have vehicles that span a wide variety of makes and models, so you’ll be able to find any kind of used vehicle.

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Should I Fix My Old Car or Buy A Used One

Are you considering purchasing a used car to replace your current vehicle? Perhaps you are on the fence, not sure if you should continue to fix the old car or buy a new one. Sometimes it is a tough call that requires weighing the pros and cons. Much depends on your current vehicle make, year, and model, what kind of costs you are looking at, and what you have already put into it.

What Are The Costs Of Wear And Tear?

The longer you own your vehicle, the more wear and tear becomes an issue. Even if you maintain your car and take good care of it, these costs will add up. There are variables, of course, like how many miles you put on your car and what type of miles they are.

For example, suppose you have a heavy commute and use your vehicle for many daily errands, such as taking kids to school or going to the grocery store. In that case, your vehicle wear and tear will be more extensive than someone who works from home and only drives short distances a few times per week.

Some wear and tear costs that can add up include timing belt replacement, brake rotors, and electronic components. Prices for some of these higher-level repairs and replacements can exceed $1,000 and typically start to stack up after you’ve reached the 100,000-mile mark.

The Case For Fixing Your Old Car

If you think of your car as an investment, the argument for repairing a vehicle versus buying another car is valid. You’ve already put a considerable amount of money into your car. Perhaps you’ve paid it off or are near to paying it off.

Suppose your car is still in good condition but needs reasonable maintenance or repairs. In that case, you may be better off keeping your vehicle, maintaining it, and waiting for a few more years before purchasing another car. Consider this if the case is that you have paid it off or are close to paying it off.

Adding a new car payment is not always the best route, especially if the repairs to your current vehicle are not excessive.

The Case For Buying A Used Car

Are there times when you should fix your old car and buy a new one? Yes, of course. Other times, though, it makes more sense to purchase another vehicle.

If you find that your repair costs are exorbitant or recurring and your pocketbook is taking a big hit regularly, buying another car is a good option.

A used vehicle may come with a warranty, either from the manufacturer or from a third party. These warranties can give you peace of mind. Not only that, but if the used car is low on miles and has been well-maintained, you can relax knowing that major repairs will not be an issue for some time.

When You Should Just Buy Another Car

When your current car is breaking down regularly and has become unsafe or is causing you to miss work, it’s definitely time to look into purchasing another car. At this point, owning your car has become too stressful and expensive, and you never know when it’s going to break down on you.

If your repairs are starting to exceed what your vehicle is worth or are causing financial hardship, it makes more sense to purchase another car.

Used cars are often a better deal than a brand-new car. There are several reasons for this, including the overall cost of the vehicle, cost of ownership, and depreciation. In some cases, a used car has more value than a brand-new car, depending on the make and model. Registration may be less expensive with a used car, and the overall price is less costly.

Test Drive Used Cars In Tucson

If you’ve mulled over whether to repair your old car or buy a used car and have decided to buy used, head over to browse our used vehicles today. You can contact us to make an appointment or come see us today.

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First-Time Car Buyer? Here Are Some Useful Tips

Buying your first car can certainly be a confusing and stressful experience; but it doesn’t have to be. Below you’ll find some useful tips to help ease you into buying your first car!

Tips for Getting Ready to go to The Dealership

Establish a Budget

Budgeting is a useful skill in most aspects of life. Starting by figuring out your transportation budget is as important as any other necessary budget you’ll be setting. This figure is based on what you can afford to pay per month, less your other immediate expenses. Ideally, we’d all like to pay cash for a brand new car and avoid any type of interest payments, but in most cases, when considering a new or even a used car, the nature of the transaction price is often based on the leverage of financing . As a first-time car buyer, you’ll have to consider your hierarchy of needs, beginning with physiological needs such as shelter, food, and health insurance. Once you’ve calculated those areas, the remainder of your budget could be spent on a car payment, fuel, and—lest we forget—car insurance. You won’t be able to hit the road in your new wheels without Car Insurance!

Be Honest About Your Needs

Whether you’re a single household or a family of five, being honest with yourself about your needs is pivotal when it comes to buying your first new or used car. If you’re a single household working in finance, odds are you don’t need a diesel pick-up for your morning commute. Conversely, if you’re a parent of three, you probably shouldn’t be looking at the latest cabriolet with only two rear passenger seats. Given the cost of fuel, car insurance, and—in most major metropolitan areas—monthly parking; don’t buy what you don’t need or can’t afford.

Know What Type of Car You Want

Even though we suggested focusing primarily on your needs and not wants, considering the type of car you want to drive every day is still an important factor in the process. There’s no greater pitfall than buyer’s remorse, especially when it comes to something as integral and costly as your first car.

Get Your Finances in Order

One thing every car dealer will look at is your credit score. If that is something you’re concerned about, we at Cactus Auto are experts at working with less than perfect credit! While a higher credit score makes it easier to get approved for an auto loan, an alternative route you can take, especially if your credit isn’t great, is supplying proof of income. If you want to talk over some of your options before you even begin looking at cars, feel free to Contact Us —we’ve been serving residents from Tucson and the surrounding communities in Arizona for over 30 years, so rest assured you’re in good hands.

Buy ItBeforeYou Need It

This piece of advice is critically important—don’t wait until your back is against the wall to buy a car because, in a nation that covers nearly 3.8 million square miles, you’re going to need a car at some point in your adult life. Poor decisions are often made in the heat of the moment, so you want to make sure you’re taking the time to consider and weigh all of your options before making a decision.

At The Dealership Tips

Inspect the Car, Inside and Out

Inspect both the interior and exterior of the vehicle. Look over the exterior of the vehicle, checking for scratches, dents, and rust. You don’t really need to worry about small dings or minor scratches, but larger damaged areas may be a cause for concern. We also always recommend checking to verify that the vehicle’s body panels line up correctly, as uneven panels may indicate that the vehicle was in an accident and not repaired properly. It’s also a good idea to open and close the doors, hood, and trunk of the car to see how easily, or uneasily, they move.

Inspect the inside of the car by sitting in all the seats, working the seat levers, and looking for unusual wear in the upholstery. If you smell something musty, check the carpet and floor mats for signs of a leak or water damage.

Take It for a Spin

Going for a test drive can help determine whether or not the vehicle is a good fit for you and can also give you insights into the car’s condition. You should always turn the Keys to the “Accessory” position, which should illuminate all the dashboard warning lights. If they don’t turn on and illuminate or stay lit when you turn the key in the ignition, make sure the issue is inspected.

When you start the engine, make sure you’re listening for tapping or clicking sounds, which could indicate an issue with the engine. While you’re test driving the car, keep your eyes and ears open. You may even want to consider driving the car on different types of roads and at varying speeds to verify that the transmission is shifting smoothly. Make sure to note any strange engine or brake sounds, and keep track of whether or not all of the electronics in the car are working properly.

First-Time Car Buying Financing

Even if you get a great deal from a dealership on a used car, buying a vehicle is still a big investment. That’s why our team at Cactus Auto works hard to connect our buyers with the best used car loans in Tucson. We normally advise against taking on any loan where the car payment would be more than 10% of your income (after taxes). One of the great things about buying a used car is that it helps your budget stretch further. The maximum loan size may also depend on your credit score. It’s generally a good idea to apply for your auto loan before you buy a car, that way, you can walk into any dealership and know what you can or can not spend. Still, you can discuss financing after you agree on a sale price if you want. A member of our team will work with you to make the process as smooth as possible for you.

Close the deal – Time to Purchase

Once you’ve decided what you want, have kicked the tires on it, and have established a general sense of what you can afford, it’s time to arrive at a purchase price. There are various online sources that you can research that will give you an accurate idea of what people have paid in your area for the car you’re interested in purchasing. A credit union can also provide you with perspective and may even have a contact person that they’ve worked with in the past on the showroom floor. Lastly, when it comes time to negotiate what you’re willing to pay, you don’t want to show your entire hand and tell them the amount you can afford. If you’re thinking that you’ll be able to budget $15K, and you’re looking at a car that’s valued at $20K, start with telling the salesman you can afford $15K—you can always work your way up to the actual number once they counter.

Why Buy a Used Vehicle

Now, the big question is, why would you buy a used car over a new car? There are several reasons that make Used Cars a much better value for your money. For starters, Used Cars typically cost 50% less than a brand new car off the dealership showroom, and the majority of the vehicle’s depreciation has already occurred—meaning if you buy a Used Vehicle today, the rate at which its value decreases is a fraction of that for a brand new vehicle. This is particularly important when considering you’re a first-time car buyer, and on average, consumers switch cars at an average of six years after the initial purchase .

Also, Certified Pre-Owned Vehicles have been thoroughly inspected, refurbished, and certified by the manufacturer (or other certification authority), which assures the vehicle is as advertised. Used cars also do not require Gap Insurance—which is a premium that covers the difference between what you paid for your new vehicle and what its depreciation value is after you pulled it off the lot—which will save you a ton of money each month on your insurance premium, considering the depreciation value is much lower for a Used Car.

Contact Us to Discuss Options With Your Local Experts

As long as you follow the basics when you start looking: knowing what you can spend, knowing the car you want, lining up your finances and looking into financial options, thoroughly inspecting the car you want, and of course, try to enjoy the process! You only get to buy your first car once, so you might as well make it memorable for all the right reasons. We’re here if you need any help at all, no matter where in the process you currently are; our team will do whatever they can to get you on the road in your new car.

At Cactus Auto , we’re experts in finding the best auto financing Tucson has to offer. People come to our location on Prince Road from all over Arizona because we have the best pricing, free maintenance with every sale, and have a variety of car financing available. See if you qualify by applying for credit today.

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