Dye Autos Denver Area Truck and Automotive Blog
The topic our customers ask about most often is used car financing.
We know used car financing is complicated. Just remember that it’s ok to learn as you go. Here are a few tips to get you started on the right track.
1. Do I need to make a down payment?
A down payment isn’t always required for purchase, but it’s definitely a good idea.
Why?
- It will reduce the amount you’ll need to borrow.
- It improves your chances of loan approval.
- You may get better terms with a down payment.
- It will reduce your monthly payment.
Your trade-in vehicle can serve as a down payment. If you still owe on that car loan, the amount of “equity” you have can serve as your down payment. “Equity” is the difference between your trade-in’s loan payoff amount and the actual cash value of your car.
Depending whether you have a trade-in or not, and if you can swing it, any additional down payment – even a few hundred dollars – has a very positive effect in the long term.
2. Can I get approved if I have bad or damaged credit?
There are car loans for people with bad or damaged credit, but you need to be careful when shopping.
Auto loan seekers with bad or damaged credit should enter the car loan process knowing they’ll pay a higher rate than someone with better credit. But don’t let that discourage you.
At DYE Autos, we successfully provide car loan options to customers with many different credit profiles. We have over 70 years experience and we’ll help you!
3. Why does a car’s age and mileage affect my financing options?
In the world of used cars, two factors have a major effect on pricing: mileage and age.
It’s no surprise that higher-mileage cars and trucks carry more affordable price tags, however, many car loan companies may be unwilling to offer terms on older vehicles. There’s more risk involved and that equates to higher car loan interest rates.
4. How much should my payment be?
Everybody’s car buying budget is different but if you’re planning on financing a car or truck, your monthly payment is always a consideration.
As a general rule, your car payment should not exceed 20% of your take-home pay. This rule should include all financed vehicles in your household, whether you have one or ten cars in your garage.
5. How much car can I afford?
It’s never good to just guess at what car you can afford. It’s too easy to get caught up in the excitement, and then miss important details.
A better approach is to make the best choice for YOU so that you don’t end up saddled with a something you can’t afford.
At DYE Autos, we recommend that before picking a random price range that you feel comfortable with, you consider all the factors that contribute to the cost of your vehicle.
- Finance rate and loan term
- Value of your trade-in (if you have one)
- Down payment amount
- Monthly gas and repairs
- Insurance costs
Information is power. Instead of merely picking a price range, you can use an online loan calculator or better yet, give us a call and we’ll help you decide how much you can afford to spend on your next car or truck.
6. Should I get pre-qualified?
Yes, and it’s a good idea!
This fast and easy process lets you choose how much you want to borrow based on the type of vehicle you’re looking for. If you’re interested in used car financing with DYE Autos, click >>>here<<< to get pre-qualified.
One of our helpful finance specialists will contact you to discuss any available financing options, including the amount you’re qualified to finance.
Got more questions? We’re here to answer them. Call us at (303) 286-1665 or just use our contact form >>>here<<<
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Let’s face it, you have a lot of options when it comes to buying your next truck. You want to feel comfortable with the type of truck you’re buying…and with the dealer you buy it from.
Chances are, you’ve done a lot of research already so let us save you some time with these 5 unique reasons to buy your next truck from DYE Autos.
1. We are easy to work with.
If you’ve shopped other dealers, you know the process can turn into a marathon of wasted time.
At DYE Autos, we use our exclusive streamlined process to get you in and out quickly – often within 60-90 minutes.
You’ll also work with one person, which saves you from jumping from one office to another, meeting yet another person on the road to purchase your truck.
2. We are truck financing experts.
We’ve got 70 years of combined truck financing experience and 100 years in automotive retail. We’ve seen every situation and we can help you. How?
- We know what banks require.
- We often get customers approved while they’re here at the dealership.
- We have access to finance anyone.
Do you have a particular financing issue or concern? Let us help! Call us at 303.286.1665 or contact us through our site >>here<< and we’ll put our experience to work for you.
3. We have a truck to fit every need.
Unlike franchise dealers, we’re unrestricted by the number of brands we can offer. We’ve been in the truck business for a long time and we know what our customers want: a great value. That means a quality truck for a fair price with financing options second to none.
When you’re considering a truck from DYE Autos, you’ll notice that we have a full line of trucks to meet your needs:
- Pickups
- 4 x 4 and AWD (all-wheel drive)
- SUVs
- Vans
- Work Trucks
- Medium Duty trucks
- Diesels
- Box Trucks
- Commercial Trucks
4. We are just like you!
At DYE Autos, we pride ourselves on delivering a memorable customer experience. From your first interaction with us to what we hope will become a long-lasting relationship, we recognize how important it is to keep customers coming back to us.
We appreciate how tough it is to shop for and buy a truck. There are a lot of moving parts in the decision. Many of our customers say how helpful, honest and attentive we are. We like to think if it like this: We are just like you.
We’re not pretentious, we understand and we can help.
5. We’re close by.
We have a lot of satisfied customers and many come from all over Colorado and the surrounding states. Some people have driven hundreds of miles to work with us. So, whether we’re close by or “somewhat” close by, when you buy a truck from DYE Autos, you’re part of our community.
We’ve sold trucks to people in… (cities you outlined that people are searching for)
- Denver
- Wheat Ridge (our own backyard!)
- Casper, Wyoming
- Loveland
- Fort Collins
- Aurora
- Lakewood
- Westminster
- Thornton
- Northglen
- Golden
- Boulder
- Morrison
- Littleton
- Engelwood
- Centennial
- Lafayette
- Brighton
- Broomfield
- Castle Rock
- Longmont
- Greeley
- Limon
- Colorado Springs
- Breckenridge
- …and many more!
In conclusion, when it’s time to buy your next truck, remember these 5 unique reasons to buy from Dye Autos…and don’t forget our slogan:
If it’s a truck you wanna buy, you’d better call Dye!
(303) 286-1665
Read MoreDodge Ram Cummins 5.9l 6.7l diesel engine specs
Dodge Ram Cummins 5.9l 6.7l diesel engine specs have changed a lot from 1989 to 2017. The Cummins corporation actually made the engines for the Chrysler corporation bda Dodge and Ram companies. All these Cummins diesel engines are inline 6 cylinders. You can find these Cummins engines in many Dodge Ram 2500, 3500, 4500 and 5500 truck models. The original design in 1989 to 1993 started with a 5.9l VE-Rotary pump and 12 valves. These engine produced 160 horsepower (HP) and 400 foot pounds of torque (lb-ft). In the next generation of 5.9l Cummins engines they would change the pump to a P-7100 from 1994-1998 but was still only 12 valves. These Cummins engines produced from 175 to 235 HP and 440-460 lb-ft torque. In the third generation of 5.9l Cummins engines they would replaced the pump with the VP44 model and would move to 24 valves from 1998.5 to 2002. These Cummins engines produced 235-245 HP and 460-505 lb-ft of torque. These Dodge Ram trucks were also the first to get a catalytic converters which were required for EPA regulations. The last generation 5.9l Cummins engines from 2003 to 2007 used HPCR pump and 24 valves. They have 305-325 HP and 600-650 lb-ft of torque. Cummins made a displacement change in 2007.5 to the 6.7l Cummins diesel. This new generation of 6.7l engines started to use a Diesel Particulate Filter (DPF) as well as a catalytic converter for new stricter EPA regulations. The new Cummins 6.7l engine from 2007.5 to 2015 had 350-385 HP and 865 lb-ft of torque. In 2016 Cummins broke the 900 lb-ft torque mark. For both 2015 and 2016 Cummins had broken the torque records for any massed produced road worthy vehicle in the United States. The 2017 6.7L Cummins has the same engine as the impressive 900 lb-ft torque of the 2015 6.7L Cummins engine in the Ram trucks. Below is a chart from 1989 to 2107 to show the changes of HP, lb-ft, pumps and valves. Dyeautos.com has diesel trucks for sale many of these trucks are Dodge and Ram diesels. As a side note you can denote the 5.9l’s and 6.7l’s by the 8 digit of the VIN as a “C” or an “A,” respectfully.
https://www.dyeautos.com/inventory/Used/?search=dodge%20ram%20diesel
Dodge diesels truck and later Ram diesel truck engines specs:
Pumps and years
VE-Rotary 1989-1993
P-7100 Pump 1994 t0 1998,
VP44 1998.5 to 2002,
HPCR pump from 2003 to 2017
Dodge Ram Cummins 5.9l 6.7l diesel engine specs:
Year Displacement (Disp) Horsepower (Hp) Torque (T) # of valves (V)
Year Disp Hp T V
1989 5.9L 160 400 12V
1990 5.9L 160 400 12V
1991 5.9L 160 400 12V
1992 5.9L 160 400 12V
1993 5.9L 160 400 12V
Dodge Ram Cummins 5.9l 6.7l diesel engine specs
Year Disp Hp T V
1994 5.9L 175 420 12V
1995 5.9L 175 420 12V
1996 5.9L 215 440 12V
1997 5.9L 215 440 12V
1998 5.9L 235 460 12V
Dodge Ram Cummins 5.9l 6.7l diesel engine specs
Year Disp Hp T V
1998.5 5.9L 235 460 24V
1999 5.9L 235 460 24V
2000 5.9L 235 460 24V
2001 5.9L 245 505 24V
2002 5.9L 245 505 24V
Dodge Ram Cummins 5.9l 6.7l diesel engine specs
Year Disp Hp T V
2003 5.9L 305 555 24V
2004 5.9L 325 600 24V
2005 5.9L 325 610 24V
2006 5.9L 325 610 24V
2007 5.9L 350 650 24V
Dodge Ram Cummins 5.9l 6.7l diesel engine specs 2005
Dodge Ram Cummins 5.9l 6.7l diesel engine specs
Year Displ Hp T V
2007.5 6.7L 350 650 24V
2008 6.7L 350 650 24V
2009 6.7L 350 650 24V
2010 6.7L 350 650 24V
2011 6.7L 350 800 24V
2012 6.7L 350 800 24V
2013 6.7L 385 850 24V
2014 6.7L 385 865 24V
2015 6.7L 385 865 24V
2016 6.7L 385 900 24V
2017 6.7L 385 900 24V
Dodge Ram Cummins 5.9l 6.7l diesel engine specs
Dodge Ram Cummins 5.9l 6.7l diesel engine specs
https://www.dyeautos.com/inventory/Used/?search=dodge%20ram%20diesel
I believe these numbers to accurate from various articles, Dodge/Ram forms and websites.
References:
https://cumminsengines.com/pickup-truck-cummins-ram-history
http://blog.caranddriver.com/do-all-of-the-twist-ram-snatches-truck-torque-crown-with-865-lb-ft-cummins-diesel-for-2015/
https://www.turbodieselregister.com/threads/195081-Catalytic-Converter
http://truckyeah.jalopnik.com/2016-ram-cummins-diesel-900-lb-ft-of-torque-stock-and-1713029867
http://www.ramtrucks.com/2017/ram_3500/index.html
Get approved today with our easy auto loans!
https://www.dyeautos.com/inventory/Used/?search=dodge%20ram%20diesel
Read MoreEasy autos loans for you at dyeautos.com
Easy auto loans are our focus at dyeautos.com. We know the second biggest financial decision is to buy automobile next to a house. There are a ton of factors that are involved in buying a used car. Price is not always the leading factor. Price is important but interest rates, number of payments, amount of payments, taxes other factors should part of the overall decision. This easy auto loan process can let us know ahead of time what vehicle price range makes most sense for your budget. Here is a link to get easy auto loans that link to our “Credit application” tab on our webpage:
We work with CUDL and CUDC which hold the majority of local credit unions that have the best interest rates available depending on your credit score. Credit Unions like Bellco, Public Service, Credit Union of Colorado, Coors, Credit Union of Denver, Sooper Credit Union and many other credit unions are members of these two organizations. Many of our customers have preapproval letters that we welcome from Navy Federal, Security Services , Air Academy and more. We also have several banks we work with like Chase, Wells Fargo, Regional, Westlake Financial and more…helping us get you an easy auto loan
Get approved today with our easy auto loans!
Easy auto loans
After applying for an easy auto loan to find a credit score we can determine an interest rate once you pick a qualified vehicle. The vehicles age, miles and value will help determine the interest rate along with your credit score. Many people think an older and “cheaper” vehicle will have a good payment. Currently, 2010 and up vehicles have better rates than vehicle 2009 and older. 2010 vehicles can qualify for loan terms as long as 84 months if the barrower has good credit and the loan balance is high. 2009 and older vehicles can be restricted to 48 month terms or buyers with poor credit scores can be restricted to even shorter terms. These rates and terms are subject bank approval and each bank has their own guidelines to follow. So, If you want to know you interest rate there are number a factors that have to be explored before that can discovered. The document that clearly state the interest rate, payment, amount of interest and term is the Retail installment Contract which is also the contract with you and the bank you are receiving a loan from. Remember the bank is receiving the interest and payments you are giving to them in return for a loan. The dealer uses this to facilitate the sales and helping you get an easy auto loan.
We love to sell you nice quality affordable vehicles and help get the best rates to make your payments affordable. We make the auto loan process easy again with our easy autos loans. Click to see our inventory at start your journey to your next great vehicle We have over hundred vehicles in stock for sale. https://www.dyeautos.com/inventory/Used/
We have a huge selection of vehicles for sale. Click here!
Find dyeautos.com’s location on google maps:
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Inexpensive 4×4 trucks for sale under $10,000 in Denver is tough and frustrating process.
Its hard to find inexpensive 4×4 trucks that look good and run good in Denver. Dye autos has several 4×4 trucks for sale including Ford F-150’s, F-250’s, Dodge Ram 1500, 2500 and Chevrolet 1500 and 2500s under $10,000. Due to the influx of trade-ins and the recent boom of the Colorado economy these vehicles come and go quickly from inventory. If you have a larger budget in mind like say $20,000 the opportunities open. We have trucks for sale like Dodge Ram 2500, 3500, Ford F150, f250, f350, Nissan Titan, Chevrolet, GMC 1500, 2500 and 3500 models. Mostly these trucks will have gas engines. Even harder to find are trucks for sale with diesel engines. Considering the cost of new similarly equipped trucks for sale in Denver by franchised Dealers these trucks are a great deal. Keep in mind the 2wd trucks for sale can also fit your budget if it is not a must to have a 4×4 pickup. If you are not stuck on a truck then maybe a AWD Ford Fusion or other AWD SUVs we have for sale by do the trick. For a huge selection of truck and SUV inventory check out dyeautos.com. You can call 303-286-1665 for a sales representative to answer all your questions.
There is an article on the dyeautos Facebook page: https://www.facebook.com/DYEAUTOS/posts/
Let us help you get an auto loan.
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