Category Archives: Financing

A stock photo of cars lined up in a showroom.

Do you have enough saved for a downpayment?

How much should my used car down payment be? 

There are not many people who can walk into a car dealership and buy a vehicle with cash. It simply isn’t a reasonable expectation. However, that means that Carizma Motors customers will need to obtain some kind of help financing their vehicle purchase. If you’re in the market for a pre-owned vehicle, but you might be in a tight financial situation, you might be wondering, ‘How much should my used car down payment be?’ According to the automotive experts at Edmunds.com, people looking to financing a used car, truck or SUV should aim to put down at least 10 percent of the purchase price when they’re working on getting a loan. Our product expert team works with people who might be in a less-than-perfect credit situation. Let’s take a look at a few things you might need to know.  Read the rest of this entry >>

Person with money in hand and using a calculator

What are my options if I finance a vehicle?

Can you shop around for car loans?

It is time for a new vehicle. This can be both an exciting as well as an exhausting process. You have to decide on a make and model, new or used, the number of miles and so much more! One other thing that you have to think about is paying for the vehicle outright or financing it. Can you shop around for car loans? Yes! You absolutely can shop around for car loans. Learn more below.

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Person working on paperwork

What are my payment options for a used vehicle at Carizma Motors?

Is it a bad idea to finance a car through a dealership?

When it is time to purchase a new or used vehicle you have many options when it comes to payment. You can pay cash if you have enough, or you can get a loan. The loan option is available through the bank or through the dealership. Is it a bad idea to finance a car through a dealership? There are actually quite a few benefits of financing a vehicle through a dealership. We will explore some of them below.

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Person using a calculator

Where should I get a loan from for my vehicle?

Is it better to get an auto loan from a bank or dealership?

It is time to purchase a new vehicle which can be both an exciting and stressful time. You are looking at financing your new vehicle, but you are questioning, “is it better to get an auto loan from a bank or dealership?” You have come to the right place. While we will not specifically answer this question for you, we will give you things to think about with both options so that you can make an informed decision.

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Couple looking stressed about financial situation

Bad credit or no credit and in need of a new vehicle?

What are the benefits of a buy here pay here dealership?

You are in the market for a used vehicle. However, you have unfortunately had a set of tough circumstances come your way and you have less than perfect credit. You are not able to purchase a used vehicle with the help or a lending institution, so what can you do? Have you considered visiting a buy here pay here dealership? Wondering what are the benefits of a buy here pay here dealership? Keep reading to learn more about working with a buy here pay here dealership such as Carizma Motors! Read the rest of this entry >>

Business man pointing as words loan approved

Learn more about buy here pay here car dealerships

Myths about buy here pay here car dealerships that are not true

You have just located the perfect new-to-you vehicle. It is not too high on miles, it is safe, and it has s great fuel economy. You tell your friends and family about the vehicle, and they get caught up on one detail: it is located on a buy here pay here car dealership’s lot. You do not see it as a big deal, but everyone else begins to tell you about why you should not purchase a vehicle there. Keep reading as we discuss myths about buy here pay here car dealerships that are not true! Read the rest of this entry >>

a man checks his finances on a computer

What steps can you take to get your credit in good standing?

How to raise your credit from bad to good

Life is not always a cakewalk. A lot of things can happen, and oftentimes your path to financial success or stability is not a straight and narrow one, but rather, a path that is filled with twists and turns here and there. Sometimes, for any number of reasons, your credit can take a hit. Maybe you had some unexpected medical expenses that drained your savings account. Maybe a bill fell behind the counter and was missed, causing a late payment. Whatever the case may be, when you have bad credit, that can hinder you from getting approved for loans or getting a low interest rate. You’ll want to do what you can to get your credit score back up, so we put together a few tips for how to raise your credit from bad to good.  Read the rest of this entry >>

Used cars in a line

Variety of used make and model vehicles at Carizma Motors in Lubbock, Texas

Available make and models at Carizma Motors in Lubbock, Texas

Looking to purchase a new used vehicle, but you have your eyes set on a specific make and model? Not having luck finding that specific make and model? Are you wondering what the available make and models at Carizma Motors in Lubbock, Texas are? The short answer is we have many make and model vehicles on our lot, and it is always changing. Keep reading below to learn more! Read the rest of this entry >>

Parking Lot with Various Vehicles

Where to purchase a used vehicle in Lubbock Texas

Is there an advantage of purchasing a used vehicle verses a new vehicle?

Is it time to update your vehicle? Questioning if you should purchase a new or used vehicle? Are you wondering, is there an advantage of purchasing a used vehicle verses a new vehicle? You have come to the right place! Keep reading to learn more about purchasing a used vehicle instead of a new vehicle at Carizma Motors in Lubbock, Texas. Read the rest of this entry >>