7 of the Most Reliable Cars on the Market

most reliable cars

When buying a new car, it makes sense that you want to get your money’s worth. However, you may be surprised to find that the most reliable cars are all made by a very small number of manufacturers. But do you know which models are the most reliable?

We have looked at several different tests and surveys to find the best ones. Read on as we give seven of the most reliable cars you can buy. 

Toyota Prius

Toyota is leading the way when it comes to reliable cars, across their whole range. However, one of the most impressive is the Prius. This hybrid car no longer has any issues about battery failure or new technology not working out and is way ahead of its Tesla competitors. 

In fact, Toyota’s Prius has now had 12 solid years without a flaw. From the C models to V wagons, they have retained their reliability factor.

You can get 57 mpg in the city, and the car comes bundled with a host of attractive, innovative features such as Apple CarPlay. The fuel economy can even be upgraded even further with the Prius Prime. 

Lexus NX

Often nicknamed the Japanese Mercedes, the Lexus NX provides a world of luxury with one of the most reliable car brands on the market. Despite already being an almost perfect vehicle, 2022 will see it get a complete overhaul with new stylings and features. This subcompact SUV works great as a stylish family car in both models. 

The 21 model still provides more than enough firepower. With a 235 hp turbo inline engine, it is also consolidated with the Lexus Safety System. It has sleek, custom interiors with stadium-style rear seats offering plenty of room for small, energetic family members. 

Buick Encore

Reviews across the board can be quite unfavorable for the Buick Encore. It often gets criticized for its slightly weak engine and high entry price. However, its reliability can not be doubted. 

This subcompact SUV is nimble for its size, and its small stature makes it very easy to park in tight spots. Packed with an advanced infotainment system, it also has a lot of features to keep passengers occupied. In fact, the amenities included have even been described as that which you would find in a luxury vehicle. 

Unfortunately, the 2022 model has not had reviews that suggest it has improved on the previous model. This is mainly down to its lack of fuel efficiency. If you want luxury and reliability in short-distance travel, then don’t believe the naysayers and try one for yourself. 

Lexus GX

Another Lexus on the list, the GX model is a solid off-road SUV with bags of reliability. All of this is backed up by a four-year, 50,000-mile warranty and a six-year, 70,000-mile powertrain warranty. 

Other strengths are its superb offroad ability. In fact, it feels like you are driving a truck at some point. Powered by a V-8 4.6-liter engine, at no time do you feel the power is waning in it either. 

The newer model has several excellent features, such as a 10.3-inch infotainment system with Android Auto and Apple CarPlay. The wood and leather cabin gives it a very upmarket, plush look. However, as it has been lacking a redesign since 2010 it is now starting to seem a little dated. 

The Lexus probably won’t get any awards for fuel economy either. With just 15 mpg, it lags behind even some of its larger rivals. However, it is a solid build that is running ahead for reliability from one of the most reliable car brands. 

Honda HR-V

The Honda HR-V has been around in the SUV scene since the nineties. In a crowded market, it has always managed to retain its position amongst the newcomers. Part of this is down to the fact that it knows its audience, and has always prioritized itself as a road SUV rather than an off-roader. 

In fact, four-wheel drive is not even an option with this vehicle. It comes in a 1.6-liter diesel, 1.5-liter petrol model and has 39.2 mpg to 52.3 mpg across all ranges. Hybrid models are also available. 

Criticism of the car is that is a slightly stiff ride. While many of its engine and chassis components may be reliable, some people have noted its in-car features are not. These can include the infotainment system, which you really don’t want to break down on long journeys with the children. 

Hyundai Kona

The Hyundai Kona is a newcomer to the market, only being three years into its first run. Every year it has managed to improve, now putting it up there as one of the best all-around compact SUVs on the market. It combines elegant styling with a great driving experience making it one of the better cars for families. 

While it does come in a black night model, lots of its stylings are bold and bright, such as the lime twist and sunset orange color schemes. It also comes in a range of trims and features from an SE model all the way up to The Ultimate package. 

The car can do 0 to 60 mph in 6.6 seconds, making it one of the faster options. The fuel economy is strong with a 32 mpg in a 200-mile fuel-economy test. 

Audi A5

The Audi A5 is the lone two-door coupe in a class of SUVs. It is better fitted for couples and lone drivers more than families. It lacks four doors but makes up for it in style, comfort, and of course, reliability. 

There is also no hybrid or plug-in model. Four-cylinder petrol or four-cylinder diesel is the option. This can get you from 0 to 62 mph in under five seconds. 

All the interior stylings you would want from Audi are there as well. For a dose of class and a touch of style, this is undoubtedly one of the best cars you can purchase. 

Buying the Most Reliable Cars

Now you know the most reliable cars, find a model that suits you. Be it a family sedan or an SUV, you are sure to find something. Luckily, reliability often goes hand in hand with a great safety record so you can get peace of mind when you make a purchase. 

Cool Car Guys should be your first stop when looking for a reliable automobile. We take the hassle out of car buying with friendly, sound advice. Contact us at our salesroom in Janesville and let us help you get on the road! 

The Benefits of Buying Used Cars

buying used cars

Cars have become ubiquitous and necessary for life. It often cuts your travel time to half and removes the hassle of an every day commute. Everyone needs one, but the prices vary and are often expensive.

Rather than pay full price for a new car, many savvy shoppers know the benefits of buying used cars. It doesn’t matter if you’re a teen who recently got your driver’s license or a professional. More often than not, used cars are a practical go-to.

Here are some of the top benefits of buying used cars, and why you should consider doing so.

Price and Less Depreciation

Where else to get a good car for less than at a used dealership? If there’s one thing we all know is that used cars are budget-friendly. Recent global events may have pushed used car prices higher, but the market has been cooling down.

This is why now is the best time to look into getting one. Once a brand new car gets driven off the lot, it depreciates its value. This isn’t the case for used cars.

They don’t immediately lose value, even after you drive them for a few months or years. Used car values often stay within the same ballpark after you’ve purchased them. A reason for this is: used cars tend to be previous models and trims.

The competition of releasing a new model every year is cutthroat. This drives down the value of newer trims and releases – almost as early as a year after its debut. To get the most value for your money, it’s best to stick with used cars.

Know what to look for when buying used. Sometimes depreciation happens when a car has racked up many miles or has been in multiple accidents.

Insurance Can Be Cheaper

It’s a simple fact that new cars are always pushing the envelope of tech and engineering. One side effect of this is that insurance for newer cars tends to be more expensive. This comes down to various factors, one of which is the high cost of repairing one.

There is already much to do and consider after getting into a car accident, more so if you have a newer one. If you get into an accident in a used car, it can be cheaper to repair depending on the make, model, and year. This drives your insurance premiums down.

Sensors and cameras require replacing and recalibrating after an accident, which is expensive. If your window breaks, cracks, or chips, not only do you have to replace the windshield but also reset the cameras. Replacing a trunk door after a rear-end collision is also more expensive, especially if it has remote controls.

Depending on your purposes, buying a used car without the latest tech will save you on insurance. That doesn’t mean you have to forsake all technology as the cost scales down with age. This means that the cost to repair and recalibrate an older car is still cheaper, even if the tech is comparable.

Diversity of Choice

Opting for used cars means you aren’t stuck with a base model or forced to pay the price for higher trim levels. By buying used, you can select from across multiple years, models, and trim levels. Doing this increases your chances of finding the car that’s right for you.

Buying a used car also has the added benefit of not feeling like you’re driving the same model as everyone else. With a bit of searching, it’s easy to find a character car that stands out from the rest. You can often find these at a fraction of the cost, be they muscle cars, convertibles, or luxury SUVs.

Repairs and Maintenance

One major benefit of choosing used cars is having used car parts at your disposal. Many newer makes and models tend to have patented technology and features. This makes it more difficult to have these cars repaired by a private service.

You’ll always have to bring it to their official dealerships, which can be costly. More so, many well-trained mechanics would be more familiar with used cars. They’ve been around longer – this gives mechanics better experience when handling them.

You might think that brand new cars have all the new tech. That’s both a blessing and a curse – especially when model recalls happen. What’s great about used cars is that they’re tried and tested.

Read reviews and research about the cars you’re interested in. It’ll pay off, and you’ll definitely know what you’re getting.

Cheat the System

One thing that is often overlooked when shopping for a car is that higher trim levels don’t have to be expensive. Every new car will have luxury versions and the ability to tack on a bunch of bells and whistles. It turns out that used car dealerships are actually the best places to get this added luxury.

Many modern cars today have standard features. These include rear-view cameras and heated seats. You’ll find that these are often available in older luxury models.

This includes everything from leather seats to navigation systems, phones, and TV screens. When you buy used cars, you have the opportunity to game the system by scoring these goodies for cheap. Ensure to know the right questions to ask your car dealer!

Apart from luxury trims for less, you can also find aftermarket features. These are extras that the previous owner had installed on top of what the car came with. Expensive radios, cameras, and touch screens compatible with smartphone technology are good examples.

Searching used cars for the right combination of trim and extra features will net you what you need. You’ll avoid the cost of new luxury trim or installing your own aftermarket features. Buying used cars is a great way to cheat the system.

Buying Used Cars With the Pros

Here are some crucial tips for buying used cars. Your perfect car might not be the one displayed in that fancy showroom. Find a steal with some of the best reliable and reputable used cars – and no one else knows used cars like The Cool Car Guys!

The name says it all. If you’re still on the fence or are looking for options, don’t hesitate to contact us today.

How to Buy a Used Car

buy a used car

Auto prices across the globe are skyrocketing due to production issues. The supply of new cars is down, which is squeezing consumer demand and driving up prices.

These production issues have a rippling effect on the used car market. The lack of supply is pushing car shoppers to buy used cars.

As a result, the price of used cars increased more than 21% over the past year. The average used car now costs more than $25,000.

It is not easy to buy a used car under these market conditions. Read on to learn how to navigate used car dealerships. Explore how to buy used cars and other topics related to purchasing your next vehicle.

Where to Buy a Used Car?

There are a few different places to buy used cars. Of course, there are private transactions between owner and buyer.

A used car owner may list their vehicle for sale on an online marketplace. You can also find used cars in magazines and other local print sources. Social media is rapidly becoming a popular place to sell used cars.

Used car dealerships are the preferred source for purchasing a previously owned vehicle. You can find one by going online and searching for used car lots near me.

What Are the Pros and Cons of Buying Private?

The primary reason that people buy used cars privately is to get a deal. Car enthusiasts who know their way around an engine can land a good price.

They can talk the price down from a used car seller based on evident issues with the car. There is the potential to land a car for less than the fair market value.

There are many disadvantages to going this route. The average car buyer does not know their way around an engine.

This increases the likelihood of them being taken advantage of. They may purchase a car that has major issues under the hood.

The private seller does not have a reputation or brand to uphold. They can sell a lemon, and it will not affect their company’s success moving forward.

A private seller does not have any resources to offer the buyer. They do not have a trained auto technician to inspect the vehicle and repair any known issues. They also do not have any financing options for buyers that cannot buy it outright.

How to Buy From a Used Car Dealership?

Buying a used car from a dealership is very similar to purchasing a new car. The only real difference is that the vehicles are previously owned instead of brand new.

You are going to search the dealership’s inventory for a vehicle that you like. Once you locate your next car, you will sit down with a salesperson to make a deal.

There are also many efficiencies you can take advantage of when buying from a reputable dealer. For example, you can shop for a car online without driving from lot to lot.

Even the application process is possible online. You can apply for financing for a vehicle online so that everything is settled before your arrival. This makes the purchasing process as simple as a few signatures when you pick up the car.

What Are the Advantages of Buying From a Used Car Dealership?

Besides the efficiency of the purchasing process, there are many other advantages to buying at a dealership. Perhaps the number one reason that buyers choose a dealership is because of the vast inventory.

You can easily find a vehicle within your budgetary needs. At a new car dealership, there are few options less than $15,000 or $20,000. On the other hand, at a used car dealership, there is a wide range of vehicles available at any price.

Another advantage is that you get to use the dealership’s service technicians. Before selling a used car, the dealership runs the vehicle through its experienced service team. They make sure that everything is operating smoothly and safely.

They have used car parts on hand to make repairs: their mechanics service the tires, brakes, and other critical components on the vehicle.

Lastly, dealerships can offer buyers other potential perks like a warranty. Many pre-owned vehicles come with a limited warranty that you will not find on a private transaction.

How to Value a Used Car?

The best way to value a used car is to do some online research. There are many valuation tools out there to help create a range of prices for used cars.

Several different factors drive used car values. For example, mileage is one of the primary valuation inputs.

The number of miles on a used car has a major impact on its resale value. A car with fewer miles is naturally more desirable than one with a greater number.

The vehicle’s condition is another consideration when valuing a used car. Very few used cars are in excellent condition.

This means that the car does not have any scratches, dents, or interior wear. Also, the car runs perfectly from a mechanical standpoint.

A vast majority of used vehicles are in good or fair condition. They have normal wear and tear on the interior and exterior. Also, the vehicle does not require any major repairs.

Used car dealerships extensively evaluate a vehicle before pricing it out. They put the vehicle through a rigorous inspection by their auto technicians. This process is designed to flesh out any potential issues and determine if any repairs are necessary.

There are a few other considerations that the dealership makes in evaluating your car. For instance, any factory upgrades are potentially going to drive up value. Other factors such as color or model may impact the final resale value.

Are You Ready to Buy a Used Car?

Now, you are ready to purchase a used car. Do your research ahead of time and familiarize yourself with the process.

Finding a reputable used car dealership is advantageous in many ways. You can take advantage of the dealership’s service department and potential warranty coverage. If you want to buy a used car, contact us today to set up an appointment.

Why Buy a Used Car?

Why Buy a Used Car?

About 70% of people in the United States would be likely to consider buying a used car for their next purchase. Buying a used car can save you thousands of dollars and it has many other benefits. 

Why buy a used car? Keep reading this article to find quality used cars near me and to find a great car dealer in Janesville, Wisconsin. 

Great Value

One of the best reasons you should consider getting a used car over a new car is that it provides great value for the money you spend. Rather than having an auto loan that you pay off each month, you may be able to buy your car in cash!

When you buy a used vehicle, you can get more features and better options for less money! For example, if you want to buy the newest car on the market, you would have to pay a lot more for premium features, like heated seats, a sunroof, or even remote start. 

However, if you buy a car you can get many more features without paying the extra money. Even if your car is only a few years old, you can find a much better deal with all the features you want. 

Save Money For Other Auto Bills

Because you save so much money when you buy a used car, you can save the remaining money for other auto bills, like insurance. In the United States, the average person spends about $140 each month on car insurance. This totals about $1670 each year. 

By saving money on the upfront purchase of your car, you can apply the money to your monthly car insurance payments. 

There are other expensive aspects of owning a car. For example, you have to pay yearly fees to get it registered. You also may have a lot of repairs to make, depending on the type of car you purchase. Even filling your car up with gas can be an expensive purchase!

If you buy a less expensive used car, you can pay for each of these expenses with the money you saved. 

You Can Buy Them From Trusted Sources

Next, you can buy used cars from trusted sources. While many people think that buying a used car means they have to buy from a third party that they don’t trust, this simply is not true. 

In fact, more and more car dealerships are selling used cars as well. If you want to buy a used car from a dealership, you can be confident that you are buying a car with no issues that will last you longer. 

Buying from a dealership also offers other benefits. For example, they may still offer financing options if you cannot buy your car outright. If you are worried about buying a used car from someone that isn’t trustworthy, you may want to consider buying it from a dealership instead!

When you buy from a dealership, you can also browse their current inventory of vehicles to see what types of cars they have available!

No Immediate Depreciation

Did you know that when you buy a new car, it loses value the second you drive it off the lot? This means that if you immediately sold a car after you bought it, you wouldn’t be able to regain all the money that you spend.

In general, cars lose value due to natural wear and tear. This means that over the years, your car will lose value and will not be worth as much money. However, used cars do not lose value as quickly. If you want to buy a used car and then you decide to sell it, you may even be able to make a profit. 

You Don’t Need Credit

Finally, you don’t need credit to buy a used car. Car credit can damage your credit score if you miss payments on your auto loan or if anything else happens to your car. 

If you don’t have good credit, you may not even be able to get a loan to buy a new car. Rather than worrying about lowering your credit score with an auto loan, you can buy a used car!

It Doesn’t Have to be Old

Finally, buying a used car doesn’t mean that you have to buy an old car! When people picture a used car, they typically think of beater cars that were made before the 2000s. What they don’t realize is that you can buy a used car that is only a few years old. 

In fact, this is one of the best financial tips you can follow! Rather than buying an old car that you will need to replace or buying a new car that is more expensive, you should buy a car that is a few years old. 

This will ensure that it will last you for many years and that it will not have too many miles! You get the best of both worlds— a newer car with great features and the less expensive price of a used car. 

Why Buy A Used Car? Find A Dealership for Used Cars in Janesville, Wisconsin To Learn More!

If you are wondering, “Why buy a used car,” hopefully this article helped! Not only does it give you a great value for the cost, but you can still find a reliable car with low miles that will not damage your credit score. If you are looking for a used car company that will not damage your auto credit in Janesville, Cool Car Guys can help!

We work to make sure each of our customers gets approved for what they are looking for. We can help you find a great car in your budget and you don’t even need car credit. Contact our team today to learn more about our used car dealership and to check our inventory!

7 Important Factors to Consider When Buying a Used Car

buying a used car

Buying a car is a big deal. Buying a used car comes with plenty of dos and don’t. Before you look for used cars in Janesville, consider all of your options. 

There are plenty of car lots out there that will sell you a lemon. This is the last thing you need. 

In order to avoid complications buying a used car, take these tips into consideration. Here are 7 important factors to consider prior to buying a used car.

1. The Cars History

When you buy a used car there are several factors you may want to know first. One of those is the car’s history. This is important because a used car has been previously owned

You’re going to want to know if your new vehicle has ever had issues for prior owners. The last thing you want to do is buy a car that the prior owners had to dump a substantial amount of money into. This will be evocative of what you’re going to be spending on repairs. 

You also want to know if the car has ever been in an accident. This will give you an indication if you should concern yourself about the upkeep of the vehicle. Various websites will provide you with a detailed history of the car in question. 

2. Your Own Budget

A key element of buying a used car is to know your budget. Stay within your means. Don’t look for a car that is more than what you’ve budgeted to spend. 

By looking at cars that are more expensive you leave yourself needing a loan that is above your means. This could lead to a loan denial. In a worse case, it could even lead to repossession. 

When buying a used car you should not have a new source of heavy debt. Finding out what you qualify for in auto credit in Janesville. This will help you decide what type of car you’re looking for.  

3. Reputation of the Car

It’s always important to know what you’re getting into. When you find a used vehicle that you think is it the one, do some research. Deep dive into how the make and models have operated. 

The benefit of a used car is being able to see what prior owners have dealt with. You’re able to find out how long the type of car typically lasts. You are also able to see what problems the car has run into.

Before buying used, look into the make and model. Decide if the problems the car has had are ones that you’re going to be able to keep up with. Used cars give you an indication of what others have learned prior to you.

Outside opinions are beneficial in this matter. It’s a positive thing to hear the experience others have had. 

4. Where You’re Buying From

Know your used car dealer in Janesville! Be sure that you’re buying from a respectable dealership. This will guarantee that you aren’t buying a car that’s going to break down once you get it home. 

Do your research. Make sure that there are not substantial red flags with the dealership or prior car owner. Many dealerships have websites that will give you an honest review of their services. 

By researching your dealership you’re able to ask questions ahead of time. Request information about loans, inspections, and also registering the car. You will have a smooth buying experience this way.

5. What’s the Warranty?

One major benefit of buying used from a dealership is the warranty. This means that you will have an amount of time where anything that goes wrong is covered. For many car buyers, this is an important part of the deal.  

Find out ahead of time what the offered warranty covers. You’ll want to know if the warranty is something you’re going to have to worry about after a certain number of miles. Some dealerships base their warranty on how much you drive in the first few months. 

The warranty is something to keep in mind. Be sure that you go with a dealership that has some type of warranty policy. In the event something goes wrong, it protects you from paying more out-of-pocket than necessary. 

6. Set up Insurance 

A car needs insurance in order to be driven. Prior to buying your car, you should begin shopping for insurance. Delve into the coverage and different policies that are offered. 

When it comes to shopping for the right insurance, you want to know that your car is covered. Not only should your car be covered, but in the event of an accident, you as the driver are covered as well. 

Make sure that you can afford the price you will be paying for this car. Find a company that you know you can trust with rates. 

7. Car’s Prior Inspection 

Never buy a car that isn’t inspected prior to driving it off of the lot. This is where many used car buyers find their trouble. They buy a vehicle only to find out that it has problems under the hood that were never addressed. 

The car you purchase should have an inspection done before you drive off the lot. This will assure that there is no damage that has been neglected or concealed. 

The lot should be able to verify that the car you are purchasing is in a drivable shape. Any problems that may arise need to be addressed immediately.

Speak with the seller and find out if there is any wear and tear that you may need to worry about. Go over what was found in the inspection and if the car is in good shape. 

Do These Steps When Buying a Used Car

If you’re considering buying a used car, take all precautions. Protect yourself from purchasing a vehicle that will give you trouble in the long run. This will not be worth the money you spend.

Stop googling “quality used cars near me” and contact us. We’re here to make that car buying process as simple as possible. 

Which Car Dealer in Janesville Offers Easy Car Loans?

car dealer in janesville

When you are looking for the best Janesville car loans or dealer, you are most likely looking for a company that will treat you with dignity, regardless of your credit.

Buying a used car may have a negative societal connotation, but they aren’t true; in fact, used cars can carry more benefits than buying a new one. 

If you are looking for a car dealer in Janesville to purchase a used vehicle, but you aren’t sure where to start, read on below to learn more about buying a used car and how it can benefit you.

Are Used Cars Reliable

Most customers believe that newer cars are more reliable than used vehicles, but that is far from the truth; a used vehicle can offer the same benefits with less hassle.


Although buying that brand new, shiny, and updated new vehicle may seem like a good investment, it may not be because of the high depreciation value. Newer cars can lose 20% of their value as soon as you drive them off the lot, and at the end of the first year of ownership, it can hike up to 30%.

So if you purchase a brand new vehicle for $40,000, you will lose $8,000 in depreciation when you drive it off the lot and about $12,000 after your first year of ownership.

Your used vehicle also depreciates, but the depreciation difference between a new and used car can significantly differ.

For example, let’s say you purchased your used car for $10,000 and later decided to sell it three years later for $7,000. Then, applying the fact that most cars lose up to 30% of their value, you will only lose out on $3,000 because of depreciation. 

Am I Buying Someone Else’s Problem?

When people hear about purchasing a used vehicle, they think they may be buying someone else’s problem. However, most cars, nowadays, can be driven beyond 100,000 to 200,000 miles with proper maintenance.

As long as you get your vehicle checked regularly, rotate your tires, fix your brakes when needed, and do your oil changes, your car will last as long as you want it.

Car Dealer In Janesville

When looking to purchase a used car from a Janesville car dealer, it may be challenging to know what exactly to look for. Some people come with an idea of how many miles or what model car they want, but sometimes your requirements may go beyond that.

When visiting a car dealership, it is crucial to check out their inventory, see what cars they have available, and know what you are looking for. Also, make sure to do your homework about the type of vehicle you want to purchase and your car model’s reliability score. 

You may also want to look at how much your new, used vehicle is going to cost you in the long run before you buy it. Think beyond how much you will owe monthly and consider how much maintenance will be, how much property taxes will be, and how much you are willing to put down. 

Benefits of Buying a Used Car

There are so many great benefits when purchasing a used car over buying a new one, such as no hidden fees or lower premiums. Buying a used car can save you a lot of money and provide you with a great mode of transportation for years. 

No Additional Hidden Fees

Many new cars at their respective dealerships will boast that they have better deals and save you a lot of money, but there may be some hidden fees behind all that advertisement.

They can tack on dealership preparation or destination fees that you may not even be aware of until you sign your papers. There may be additional fees like a documentation fee when you purchase a used vehicle, but it is typically only an extra hundred or so. 

Lower Premiums

Typically when a vehicle is worth less, it will also cost a lot less to insure. When you purchase a newer car, they cost more to repair and replace parts, whereas an older vehicle won’t cost as much because the parts and repair are cheaper overall. 

Am I Going to Be Hassled?

One of the biggest turn-offs that people run into when going to used or new car dealerships is the salesperson being overtly pushy or forcing you to pick an expensive vehicle. However, when you come to us at Cool Car Guys, we will treat you like family. 

We understand how stressful the car buying process is, so we try our very best to make it easy for you, and we will give you all the possible options available for you to finance a vehicle.

Used Car Auto Loans

Whether it is your first or second time purchasing your vehicle, it is essential to know where your credit stands. If you don’t have the ideal auto credit in Janesville, you can look online to find lenders that can extend you a loan.

However, most lenders online will require you to put down a higher deposit, or they may ask you to have a co-signer before they extend you a loan. 

If you have a good relationship with your bank or your credit union, you can also talk to them about getting a used car loan through them. Again, they may be able to offer you a great rate because of your relationship with them.

A great majority of used auto dealers offer in-house financing where you are extended a loan directly from the dealer, and you make your payments directly to them.

Buy Your Next Used Car Today!

Buying your next used car does not need to be as challenging as many people like to make it. Here are The Cool Car Guys; we can work with you to get you into the vehicle that you need at the price you deserve. If your car loan requires a down payment, we will do our best to make it affordable for you so you can drive off the lot today!

If you are looking for “quality used cars near me,” or “used cars Janesville” reach out to us and check out the inventory that we have available.

What You Need to Know About Buying a Car With Bad Credit

buying process

Understanding your options is key during the vehicle buying process if you have bad credit.

To get preapproved for a new or even used car, most dealerships require a credit check. This helps them determine if you’re likely to pay back the loan you’re financing through one of their creditors.

With bad or no credit, you may have a much different car buying experience. It’s not the end of the world, though, so long as you educate yourself.

Here’s what you should know about buying a car with bad credit at a car dealer in Janesville.

Credit Scores and Ratings Vary

First, it’ll help to define what credit scores and bad credit look like, so you can game plan for a bad credit car loans.

Most important of all, there is no number that disqualifies you from getting a car. Some dealerships are more risk-averse than others. Some also use different reporting bureaus.

There are three major credit reporting agencies: TransUnion, Equifax, and Experian. Not only can your credit score fluctuate on all three, but they use different systems to rate borrowers.

Ratings typically range between 300 and 850.

Credit Score Factors

Generally speaking, four items factor into your credit score:

  • Payment history
  • Amount of debt owed
  • Length of credit history
  • Mix of credit

Payment history and amount of debt owed are weighted the heaviest. But having a longer credit history can help you.

The fastest way to improve your score is to pay off your debt and make consistent payments on time. 

You May Still Qualify

Bad or no credit does not mean you can’t get a car. It just means the buying process might look different for you.

Generally, anything below 630 is thought of negatively. At or below this number means you may not qualify, or have to take on a high-interest loan.

If you have no credit—which could be considered “bad” by a lender—some creditors may be willing to do manual underwriting. This is a way of determining your ability to pay back a loan without reading your score.

Manual underwriting requires access to lots of documents. Pay stubs, previous loans, other debts are all used to help you get a new or used car.

However, you may have to go through a bank or local credit union to get this done.

You Might Still Want to Check Your Score

Okay, so you know your credit score isn’t great. Maybe you missed several payments a few years back or went into default on a loan.

Even still, it can’t hurt to know your credit score before you shop. This way you can narrow down which dealerships you might shop at (some advertise their willingness to sell to people with bad credit).

It’s also good to know what type of interest rates you might expect. That way you can plan for how much you’ll pay each month before you shop.

You can request a free credit score online through a site like Credit Sesame. Some banks even offer free weekly or monthly checks through their mobile banking app.

Shop for Reliability, Not Features

You may not be able to get your dream car this time around with bad car credit. But you can still get a great, reliable car if you’re willing to look at things differently.

Remember, interest is a big deal. Many low credit score applicants qualify for an interest rate between 11 and 17 percent.

If you financed a fully-loaded car at $25,000, you could pay up to $37,000 over the life of that five-year loan. That’s almost 150 percent of the original balance!

On the other hand, a $10,000 car loan works itself out to just under $15,000. It’s still a big jump, but you’re saving a ton of money. And with lower car payments, you could pay the car off early—something that would rebuild your credit and save you lots of interest.

Bad Credit Ratings Can Stay For Seven Years

Before you start looking at new or used cars in Janesville, make sure it’s the right time.

In some cases, people have old credit histories that still haunt them. The good news is these credit ratings eventually disappear off your score, which can boost it.

So if you’re considering buying a car but know that you’ll be at or near the seven-year mark soon, it could help to wait.

Getting your score up to 100 or 200 points could save you thousands of dollars in interest. If your score is bad and you’ve been making payments consistently for several months or years, there’s a good chance this could happen for you.

Shop Local and Share Your Story

Not for nothing, people like a good story. Maybe your credit is bad because you’ve been down on your luck. Or maybe getting a loan for a car is one of the first steps you’re planning to take to turn your life around.

Whatever it is, make that part of your story when you go into the dealership. And be sure to shop local.

Type in “quality used cars near me” on Google and look in your town or community for something that fits your needs.

Of course, honesty goes a long way too. You should never make something up just to get a car loan. But you can leverage authenticity to maybe get approved for something you otherwise would not.

Buying Process In Janesville

The buying and research process for getting a car with bad credit can be different. But you can still get yourself a nice, reliable vehicle and not cripple yourself with high-interest payments if you shop smart.

Doing research, knowing your credit score, narrowing your options, and being honest about your situation are all effective ways to get yourself a car with bad credit.

Contact us today with questions about the buying process. We’d love to help you! 

7 Questions to Ask Your Used Car Dealer in Janesville

car dealer in janesville

In January 2021, car dealers sold 1,174,053 new cars, but they also sold many used vehicles. 

Many people buy used cars instead of new ones because they’re more affordable. Are you interested in shopping for a used car? If so, you can begin by looking for a car dealer in Janesville. 

As you shop for a used car, you might wonder about what to ask when buying one. Here is a guide to help you know the best seven questions to ask when shopping for used cars Janesville. 

1. What Vehicles Do You Have in My Price Range?

If you’re planning on buying a car, you might want to begin by searching for “quality used cars near me.” This search might yield one or more car dealerships in your area. 

From there, you can search for cars that fit your budget. You can look up a dealer’s inventory before you visit the car lot to get an idea of what types of vehicles they sell. 

When you do this, you can filter through the results by the prices, makes, years, and models. Researching used cars before you shop for one makes it easier to find the right dealership to use.

As you shop for cars for sale Janesville, you might also want to find a dealership that offers bad credit loans and other types of easy loans for cars.

After all, you’ll probably need a loan to buy a vehicle. If you have bad credit, it’s better to find a dealership that offers car credit financing options. 

2. Does the Car Come With a Warranty?

When you find cars for sale that fit your budget, you might want to ask if they come with a warranty. Some used cars have warranties in effect due to their age and mileage, but others do not. 

A dealership might offer a warranty for 30 days or longer, but most sell extended warranties. If you find a car without a warranty, ask if you can buy one. 

Buying a warranty costs extra, but it also provides peace of mind. With a warranty, you’ll have coverage for issues you experience with the vehicle, and you might not have to pay anything to have the problems fixed. 

3. Can You Show Me the Vehicle History Report?

When shopping for quality cars for sale, you might also want to ask if the dealer can show you the vehicle history reports for the vehicles. 

A vehicle history report reveals important information about a car. One thing it tells you is the car owner history. You can see how many owners the car had, and you can see the dates when it changed hands. 

A vehicle history report might also reveal the car’s maintenance history, which is good to know. You can also learn if the vehicle was ever in a car accident.

When cars collide with others, they might suffer extreme damage. While dealers and mechanics can fix many issues, a car wreck might leave unaddressed damage that you can’t see.

The damage might affect your vehicle, though, so it’s good to find out if the car was in an accident before buying it. 

4. Do You Have a List of Services You Completed on the Vehicle?

Another excellent question to ask is about the services the dealer completed on the car. When dealers buy used cars to sell, they usually put them through an inspection. 

The inspection reveals any issues the vehicle might have, and the dealer might repair some or all of the issues. If you ask about this, they might give you a list of the repairs they completed on the car. 

5. Where Did You Get the Car?

You can also ask the dealer where they got the car. Dealers get cars in several ways. 

The first way is through trade-ins. When people trade in used vehicles, they receive a car credit towards a new car purchase. The dealer then sells the trade-ins they receive. 

Dealers also buy used cars from auctions at reduced prices. They inspect the cars they purchase from auctions and then sell them for a profit. 

Reading through the history report might help you understand where the vehicle came from, but asking is also a great way to find out more details about a car.

6. Does It Have a Clear Title?

Next, you should talk to the dealer about the vehicle’s title. The main question to ask is if it has a clear title. 

A clear title is vital to find in your used car purchase. It means that the title is clear and that there are no problems with it. You can even ask to see the title for more information. 

If you discover that the car has a salvage title, you might want to choose a different one. Vehicles typically only have salvage titles from being totaled. 

You might have trouble getting easy loans for cars if you want one with a salvage title, and you might experience challenges when buying insurance. 

7. Do You Offer Car Loans? 

Finally, you might want to ask about the dealer’s auto loans. Do they offer auto credit in Janesville? Do they issue bad credit loans? 

There are dealers that offer easy loans for cars and dealers that don’t. If you need a loan to buy the car, you’ll need a dealership that offers financing options. 

If you have bad credit, finding a dealer that offers bad credit car loans is vital. The good news is that you can ask to find out about a dealership’s financing options. 

Ask Your Car Dealer in Janesville These Questions

If you ask your car dealer in Janesville these questions, you’ll learn more about the vehicles they have for sale. You’ll also find the right one for your budget and needs. 

As you begin shopping for a used vehicle, you might want to visit our dealership. We offer a large variety of vehicles for sale and can help you find the right one. Call or visit us today to learn more!

Can I Get a Car Loan With Bad Credit?

bad credit car loans

Are you thinking about bad credit car loans? Some questions may be running through your head.

Can I find quality used cars near me? Will I find a car dealer in Janesville that will work with me? Can a dealer connect me with a lender who will work with my situation?

The answer is yes to all of the above. You can find used cars that are practically brand new.

You can also find a dealer who understands your plight and will connect you with a suitable lender. Many lenders offer easy loans for those who need quality cars. 

When it comes to auto credit, finding a few quality lenders is paramount. Avoid applying through many lenders at once, as excessive pulls on your credit will drag down your score.

This article will give greater insight into auto loans. Let’s explore. 

Down Payment

To get a car loan with bad credit, a higher down payment may be necessary. To increase your down payment funds, set aside some extra money each month. 

To compensate for poor credit, you can pledge a higher sum to reassure lenders. Pricier down payments will offset risk on the lender’s end, bolstering your chances of approval. 

Further, a high down payment can lower your interest rate, especially if you must pay a higher interest rate due to your poor credit score. 

Know Your Credit Score 

Even though you’re aware of your bad credit, you should still check your credit profile. Your credit report may contain errors that are hurting your score.

If you find an error, contact the credit agency to report the error. Additionally, you may find areas where you can make immediate improvements. 

The following factors can lower your score:

  • Making late payments
  • Spending beyond your credit minimum
  • Opening too many credit accounts

Before applying for a car loan, avoid opening new loans or credit cards. An auto lender will fear that you’re taking on too much debt at once. If you have high debts, try to reduce your balances as much as possible to boost your score.

If you take the time to increase your score, you’ll be in a better position when applying for the loan. 

Determine Your Budget 

Knowing what you can afford to pay each month will help you avoid default. Consider the interest rate when assessing the payments. You can use a loan calculator to determine how the rate will affect your monthly payments.

If you don’t want to use a loan calculator, the lender will go over the interest rate and payment plan.

Before applying, however, determine the maximum payment you can afford to pay each month. This will help you find a vehicle that’s within your budget. When assessing your payments, don’t forget to factor in the cost of monthly auto insurance. 

To stay within budget, consider used cars. Used cars usually have lower payments.

That said, do your due diligence when used car buying. Before buying the car, for example, you can ask the dealer if you can take the car to a mechanic of your choice for a thorough inspection.

A vehicle inspection will alert you of any repairs. Unexpected repairs can hurt your finances and cause you to be late on your payments. 

Have Your Documentation Ready

Many auto lenders will overlook bad credit if you have sufficient income. Gather any income documents such as paystubs or bank statements. 

You can also provide a letter of employment. Besides income statements, you should bring the following:

  • Phone bill
  • Driver’s license
  • Utility statements

Having all these documents in place will expedite the process and prevent delays. 

Find the Right Lender

Bad credit borrowers tend to take the first offer on the table, thinking they have no other options. This is a mistake. Research each lender to find the right one for you. 

You may encounter predatory lenders who charge exorbitant interest rates. May low-credit applicants accept high-interest loans out of desperation. You can find reputable lenders that will give you a fair rate despite your credit troubles. 

More importantly, make sure the prospective lender has a good reputation. Read online reviews about the organization. 

When finding the best lender, find ones that specifically cater to bad credit applicants. If the lending institution doesn’t advertise its friendliness to low credit borrowers, you may want to look elsewhere. 

The best place to find a lender is through a local dealership. Find a local dealership that will work with borrowers regardless of their credit history. These dealerships have lenders that will work with borrowers of all credit profiles.

Shop for the Best Price 

You may think that beggars can’t be choosers if you have poor credit. This is wrong.

Even with poor credit, there may be a lender willing to offer you better terms. One example is the length of the loan.

A shorter loan term is better for low credit borrowers because you’ll pay less interest over time. Plus, a short loan will decrease your chances of default. Longer loan terms have lower monthly payments, but you’ll pay more in interest.   

What’s the Best Way to Get Approved for Bad Credit Car Loans?

To get approved for bad credit car loans, document your income substantially. A solid income stream can compensate for a bad score. Also, be prepared to pay a higher down payment to offset your lower score. 

Remember this: you’re still in a position to shop around and find the best lender despite poor credit. 

Are you looking for cars for sale in Janesville? Click here to learn some smart buying tips.

What to Look For When Buying a Used Car

car buying guide

Buying a used vehicle is more prudent than purchasing a brand new model. You can save a ton of money by avoiding the rapid depreciation rate of new cars. Did you know a brand new car can lose as much as 30% of its original value in the first year?

However, when buying used cars in Janesville, you need to know what you’re looking for. After all, used or not, a car is still a major investment. If you’re like most people, you’ll need to take out a loan and commit to monthly payments. 

Check out our used car buying guide for everything you need to know about buying a pre-owned vehicle. 


First, you need to think about your monthly and yearly budgets. As noted above, you will save a ton of money by searching for “quality used cars near me.”

The question is, how much can you afford to spend each month on loan payments? However, you also need to ensure you’re qualified to take out the loan. Fortunately, you can get approved online to see where your car credit stands. 

Finally, consider all of the other costs involved in owning a vehicle. You must also consider:

  • Fuel
  • Auto insurance
  • Registration
  • Maintenance/repairs

Dive into your monthly cash flow to find out how much you can comfortably afford to spend.

Seller Credibility

Choosing the right seller is next on our car buying guide. You need to make sure the party you’re buying the vehicle from is a credible seller. 

While you can save money by buying from a private party, there’s no guarantee or safety net for your purchase. If the car breaks down a few days later, there’s no certainty that you can get your money back. In other words, buyer beware. 

We recommend buying from a trustworthy used car dealership that has a positive reputation in the community. Dealerships are held to a higher standard because they are a local business governed by the state. They also have in-house mechanics who can give the vehicle a once-over before you buy it. 


If you’re looking for the best used cars in Janesville, you also need to think about the mileage of the vehicle you’re buying. More mileage means lower price tags. However, the more miles a vehicle has on it, the more maintenance it’s going to need. 

That being said, don’t shy away from a vehicle that has a lot of mileage. If it was properly maintained, it should run smoothly and be just as reliable as a newer model.

Vehicle History Report

This is where vehicle history reports fit into our used car buying guide. Whether you’re buying from a car dealer in Janesville or taking a chance on a private seller, you must get your hands on the vehicle history report

A vehicle history report tracks a car from the day it leaves the manufacturer. It records vital information, such as:

  • Previous owners
  • Previous registration locations
  • Major accidents/damages
  • Maintenance history
  • Recalls
  • Major repairs
  • Commercial use history (fleet vehicles, rentals, leases)
  • And more.

When buying used cars in Janesville, the vehicle history report will give you a pretty good view of the car’s past. 

Driver Reviews

Before settling on a car, take some time to do a little research. Find a few models you like at the local car dealer in Janesville and find driver reviews online. Make sure you note the exact year and model of the vehicle you’re interested in. 

Do other drivers enjoy driving the vehicle? Does it handle intuitively and drive smoothly? Are there any recurring issues reported by the drivers?

Most importantly, use driver reviews to determine if the vehicle will be safe and reliable for you and your family. 

Form and Function 

Once you find “quality used cars near me,” you need to think about the right type of vehicle for your lifestyle. After all, if you will primarily use the car for getting back and forth to work in the city, buying a jacked-up pickup truck probably isn’t a good idea. 

However, if you enjoy outdoor recreational activities, you’ll need a rugged vehicle to suit your hobbies. For example, if you like boating and camping in a trailer, you’ll need a vehicle that can tow that equipment. 

Finally, think about your family. If you have young children, you’ll need a vehicle that has plenty of space and comfort for driving your kids around.

This is especially important if you plan to take family road trips. Having kids on a long drive is hard enough, but it’s even more of a challenge if there isn’t enough room for everyone.

The Test Drive

When looking at cars for sale in Janesville, it’s easy to fall in love with a vehicle based on its looks, features, and performance statistics. However, it’s imperative to test drive a vehicle before you drive it. 

First, you need to make sure all of the components of the vehicle function properly. This includes all of the electronics, heating, cooling, gauges, and driver assistance features. 

Just as importantly, ensure that you actually enjoy driving the car. We all make assumptions about how a vehicle will operate. It’s possible you will be let down by the real experience. 

Verify the Vehicle’s Condition

Finally, when shopping for quality cars for sale, it might be a good idea to have the vehicle checked out by your mechanic. This is vital when buying from a private seller. They will be more likely to hide an issue from potential buyers. 

Ask the seller if you can test drive the car and have an hour or so with it to get it inspected. If they say no, it might mean that they’re trying to hide something. 

Most dealerships have in-house mechanics. There’s no reason you can’t request an inspection before you sign the contract. 

Looking for a Car Dealer In Janesville? 

As you can see, there are a lot of factors to consider when shopping for used cars in Janesville. We hope our car buying guide helps you find the best possible used vehicle for you and your family.

And if you’re ready to start test driving, we would love to help. We provide easy loans for cars, regardless of your auto credit in Janesville. Take a look at our used inventory or give us a call at 608-531-1600.