Pennsylvania Auto Dealers

Some people have the idea that after you have filed for bankruptcy your prospects of getting a loan are nil, and they somehow believe that applies to car loans as well. Nothing could be further from the truth.

OK, you might have to jump through a few more hoops to get a car loan after going through a bankruptcy, but it’s not impossible. Generally, auto lenders want you to have a history of stable employment, a down payment, no previous auto repossessions and enough income to be able to handle your car payments. If you can prove that you can make your monthly payments and that you meet the other loan qualifications then you should be able to get a car loan relatively easy. A large down payment will help.

You want an income of at least three times the amount of your car loan, but four times is better. For instance, let’s say that you are applying for a car loan that will set your payments at $400 per month. You want your monthly income to be at least $1,200 per month. If you have a monthly income of $1,600 then that is even better.

As well, if the vehicle you are expecting to purchase is going to cost you a total of $5,000 then you want to lower your loan amount as much as possible. If you have a bankruptcy on your record then you want to put down at least $1,000 toward the purchase. That will mean that you’ll be financing $4,000. If you can put $1,500 or $2,000 down then you’ll increase your chances of getting the loan.

It’s very important that you not have a repossession within the past year unless that repossession was a part of a bankruptcy. If that is the case then be sure you disclose that to your lender right up front.

You also don’t want to apply for a car loan too soon after your bankruptcy. If you are applying for a car loan the next month after your bankruptcy then it will appear that the bankruptcy wasn’t necessary and you may be suspect of fraud. Try to wait at least six months.

It’s not impossible to get a car loan after a bankruptcy, but you do want to make sure your finances are in order and that you can demonstrate an ability to pay off the loan.

The 2010 Chevrolet Colorado is one pickup that is as beautiful to look at as it is to drive. If you are a pickup lover then you’ll enjoy driving this vehicle.

Estimated fuel efficiency is 20 mpg in the city and 23 on the highway. The Vortec 5.3-liter engine is a super V8 engine with awesome fuel efficiency and the Vortec 2.9-liter engine can deliver up to 25 mpg.

The Colorado’s rugged appearance makes it practical as well as drivable. You get true off-road capability with 17″ chrome-clad wheels and a high stance.

You get a choice between two-wheel drive or four-wheel drive. With the four-wheel drive you can have the Insta-Trac system, which allows you to shift between two-wheel and four-wheel drive seamlessly. You can also opt for the Z71 model and get even better off-road capability and ruggedness.

For safety, the 2010 Chevrolet Colorado includes Automatic Crash Response, a standard that Chevy drivers have come to love. You also get air conditioning and cruise control as standard features. Other safety features include:

• 4-wheel anti-lock brakes
• Head-curtain side impact air bags
• StabiliTrak with Traction Control

The Colorado also comes with a 5-year 100,000 mile warranty. If you want a tough truck that rides well then this is it.

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Last month we offered all Vinart Insiders and local Lehigh Valley residents a Free Haircut WITH Color Service at Blown; a Lehigh Valley Hair Salon. This month we are proud to offer you a $5 coupon to Roma’s Pizza. Roma’s is a great place to go for lunch or dinner. They have exceptional food and service, which is why we are so happy to have them on board with our Local Partner Program.

Roma’s Pizza is offering Vinart Insiders and the local Lehigh Valley community a coupon for $5 off any dine-in purchase of $25 or more. Roma’s Pizza has some of the best hot sandwiches in town. Roma’s is flexible in making changes to their menu based on your taste buds! If you want hot peppers on a sandwich that doesn’t normally have hot peppers, no problem! Roma’s offers exceptional food at a price that everyone can afford. We highly recommend taking advantage of their Local Partner Coupon.

To get access to this month’s local partner offer from Roma’s Pizza, you can either sign-up to become a Vinart Insider and we will email you a link to the coupon OR you can connect with Vinart Dealerships on Facebook, and we will post the coupon as an image to our Facebook Wall. Simply locate the coupon, click to print it out, and then bring it with you the next time you are craving a great hot sandwich!

Roma’s Pizza is located at 410 Walnut Street in Lansdale, PA. Stop by for great sandwiches, pizza, or appetizers the next time you’re the area. Be sure to bring along your Local Partner Coupon so that you can save some cash! We hope that you’ll help support our local community by giving Roma’s Pizza a try!

Vinart Dealerships Email Insider Program

There are two ways to sign-up to become a Vinart Insider: via email and via mobile phone. The Vinart Insider program is free to everyone and provides you with great Insider Savings opportunities on new and used vehicles, service, and parts. Vinart Insiders also get access to our local partner coupons. We hope that you will sign-up for the Vinart Email Insider Program.

Vinart Dealerships Mobile Insider Program

If you’d rather receive Vinart communications on your mobile phone, we can do that too. No more printing out emails and bringing them with you each time you want to use a coupon. Now, to join our mobile Insiders program, simply text LVINSIDER to 639227.

Vinart Dealerships on Facebook & Twitter

Vinart Dealerships is on Facebook and Twitter. We hope you will connect with us so that we can begin to get to know you better.

Tiramisu, cheesecake, lava cake…mmmmmm! Last month Holbert’s partnered with a local spa & hair salon to offer our Insiders a coupon for a $5 back to school haircut. This month we have partnered with a local Italian Restaurant to offer our Insiders a FREE Dessert when they dine-in at Spatola’s Pizza! Spatola’s has an amazing dessert selection. It’s OK to indulge every now & again

Spatola’s Pizza is a locally owned Italian restaurant. They offer much more than pizza, though their pizza is REALLY good! The lobster ravioli is really delicious, as are the garlic knots that come with your entree — ask for a little marinara sauce on the side. So gooood!. As part of this month’s Local Partner Program offer, Insiders get a FREE dessert with purchase of 1 dinner platter at Spatola’s Pizza.

Spatola’s Pizza is located at 1801 North Broad Street in Lansdale. At Spatola’s you can expect exceptional food at a great price. In order to satisfy your sweet tooth, simply ‘LIKE’ Holbert Motor Cars on Facebook, click the Photos tab, find the Spatola’s coupon, and click to print it out. Bring the coupon with you to Spatola’s Pizza of Lansdale prior to the expiration date. Help support local businesses; stop by Spatola’s Pizza in lansdale today.

Holbert Motor Cars on Facebook

Over on the Holbert Motor Cars Facebook page we are looking to connect with our customers and other local residents who love talking about Porsche, Audi, & VW vehicles. If you have any questions about any make or model from any of our three featured brands, or you simply want to connect with other car enthusiasts, please connect with us on Facebook.

Holbert Motor Cars Email Insider Program

The Holbert Motor Cars Insider Program is free to sign-up. Each month we send our Insiders all of the latest Holbert Motor Cars information, along with special savings opportunities on new and used vehicles, as well as, vehicle service. On top of all of the great Holbert-related information, we also send our Insiders a coupon from a local Bucks & Montgomery County, PA business. We hope that you’ll take advantage of this opportunity by becoming a Holbert Motor Cars Insider today.

Holbert Motor Cars Mobile Insider Program

Remember that Holbert Motor Cars has gone mobile. You can now receive our Local Partner Program coupons and our Insider coupons directly on your mobile phone. To join our Mobile Coupons program, simply text HOLBERT to 41513.

Volkswagen is aiming to move in on Toyota and try a takeover of the mid-size sedan market. The question is, can the 2011 Volkswagen Passat handle the job?

Ever since a photo of the new Passat leaked out in June, the new ride seems to be all auto reviewers can talk about. That’s understandable despite the 2011 Passat not being a lot different than previous models. Sure, the body is a bit different but look in under the hood and it’s practically the same car as the previous years. There have been some Americanization, however. After all, how else will Volkswagen appeal to the U.S. market?

The new Passat is being manufactured in the U.S. Tennessee, to be exact.

If you’re familiar with the Passat at all then you know it fits into the luxury class alongside BMW and Mercedes Benz. So if you can picture a Toyota Camry or Honda Accord with luxury interiors and the price tag to go along with it then you can picture the new 2011 Passat. The starting MSRP is around the $28,000 ball park.

The 2011 Volkswagen Passat offers special customization kits to make the luxury exterior even more special. You can add skirts and external features to give your vehicle a better look and feel and to add more class than it already has. Volkswagen has introduced an interesting and classy vehicle into a market that has been dominated by other auto manufacturers for decades. But will consumers buy it? The least you can do is give it a test drive.

The 2010 Genesis 3.8L features a 6-speed automatic transmission with 290 horsepower at 6,200 rpm. The fuel economy is 18 mpg in the city and 27 on the highway, making it comparable to similar vehicles in the same class. The gas engine also showcases multi-port fuel injection. With 24 valves, this Hyundai vehicle offers dual overhead cam / twin overhead cam.

Cargo volume is 16 cubic feet. Passenger volume is estimated at 109 cubic feet by the EPA, but the manufacturer says 109.4 cubic feet.

The driveline is rear wheel drive and the steering is rack and pinion with independent struts on the front and the rear.

Seating 5 passengers easily, the Genesis offers 40.4 inches of head room for front passengers and 37.7 inches of head room in the rear. Front passengers get 54.9 inches of hip room while the rear passengers get 54.3. More importantly, leg room is 44.3 and 38.6, respectively.

The safety conscious driver will be glad to know that Hyundai’s airbag system is top of the line. As a standard, the Genesis comes with driver and front passenger airbags, a passenger airbag cutoff switch and sensor, a front side airbag and a second row side airbag, and side head curtain airbags. Other standard safety features include:

• Side guard door beams
• Child safety door locks
• Trunk anti-trap device

For theft prevention the 2010 Genesis 3.8L features valet lockout and locking fuel filler door or gap as standard features and wheel locks as an option.

A premium navigation package and a technology package are options that you can use to make your 2010 Genesis special as well. Other standard features include:

• Child safety locks on rear doors
• Traction control
• Electronic brake force distribution
• ULEV II emissions
• iPod and USB audio input jacks
• Front fog lights and automatic headlights
• Compass
• Tire pressure monitor
• Keyless entry
• Tilt steering
• Leather seats
• And a lot more

The 2010 Genesis 3.8L has a lot to offer the discriminating driver.

Honda is one of the innovators in auto manufacturing entering into the 21st century. The evidence of this is the 2011 FCX Clarity, an unusual vehicle in its use of fuel cell technology.

Fuel cell technology is a type of technology that converts a source fuel into electrical energy. There are a variety of types of fuel cell vehicles, but the Honda FCX Clarity is one that relies on hydrogen as the source fuel. In 2009 the FCX Clarity was named the World Green Car. It’s fuel efficiency is better than the average gasoline-powered vehicle and it achieves zero emissions, making it a true environmental enhancement to modern driving.

The first thing you’ll notice about the Clarity when you open the hood is there is no engine. The vehicle drive technology relies on a V Flow FC Stack. That’s a vertical flow fuel cell stack that enables the free flow of hydrogen and oxygen, which increases fuel efficiency and cleaner emissions.

Along with the innovation in revolutionary new emissions and under-the-hood technology, Honda has introduced a sleek new body design that puts a front wheel drive drivetrain on the first hydrogen-powered fuel-cell vehicle along with a lithium-ion battery for smoothness and maximum acceleration control. Honda introduced this technology in 1999 and has spent the last 11 years perfecting it so the 2011 FCX Clarity promises to be a true front runner.

As you drive the FCX Clarity you’ll feel like you are entering the future, and you really will be. Other auto manufacturers have not caught up with this technology and it will be a long time before they do. If driving green is on your mind, you’ve got to try the 2011 FCX Clarity by Honda.

ATTENTION this is not your normal Local Partner Program blog article…This month’s Local Partner is EXTREME; as in Extreme Home Makeover! You know that hit TV show on ABC. This month’s Local Parter is PROJECT PROS; a General Contracting company helping Philadelphia area home owners & business owners improve their properties. About a month ago PROJECT PROS was invited to participate in a local makeover as part of an upcoming Extreme Home Makeover episode. Knowing that PROJECT PROS was good enough to be selected to help with such a high profile renovation should speak volumes about the quality of their service.

PROJECT PROS is a local general contracting company. PROJECT PROS serves Philadelphia-area residents & businesses. The list of their services is extensive. A few areas that PROJECT PROS specializes in are: Additions, Custom carpentry, Windows, Doors, Electrical lighting, Flooring, Siding, Custom Decks, Refinished basements, Painting, Masonry, Custom Kitchens & Baths, & Fencing.

As part of our local partner program, PROJECT PROS is offering YourMercedes Insiders, as well as, YourMercedes Facebook connections a coupon for 2 HOURS OF FREE SERVICE. YourMercedes Insiders can print out a coupon from PROJECT PROS on the YourMercedes Facebook page.

PROJECT PROS is owned and operated by Joey Smith & his team. Joey is a great person who will take the time to walk you through exactly what’s going to be done and how long it should take to do it. He’s someone you can trust. Quite frankly, with 2 hours of free service as part of the Local Partner Program, how can you go wrong? PROJECT PROS also offers free estimates and is fully insured. To contact PROJECT PROS for your general contracting needs call toll free 1-877-544-0333.

YourMercedes Email Insiders Program

Have you considered signing up for our free email Insider program?? The YourMercedes Email Insider Program offers customers a chance to save on Mercedes-Benz service, parts, accessories, new and used vehicles. We hope that you’ll sign-up to become an Insider today.

YourMercedes Mobile Insiders Program

Remember that you can also sign-up for the YourMercedes Insider Program via your mobile phone. You will receive all of the same Mercedes-Benz savings opportunities as our Email Insiders. We’ll send you 2 – 3 texts per month containing the same coupons as the email insider program mentioned above. Instead of printing out our coupons, you can simply show a sales representative your mobile phone. Text YMINSIDER to 41513 to start receiving text messages from us with sales specials, coupons and incentives.

YourMercedes on Facebook

Come join us on Facebook to connect with other Mercedes-Benz fans and to discuss all things Mercedes-Benz. We hope you will become a fan of YourMercedes on Facebook today. REMEMBER that you must now be connected with us on Facebook in order to receive your local partner coupons.

This month as part of the Local Partner Program at Faulkner-Ciocca Truck Center we are proud to spotlight Benner Memorial Hall in Richlandtown, PA. Benner Hall boasts an impressive 6000sq feet of space. A working kitchen and the ability to seat up to 300 people makes it an ideal facility for any large scale gathering, like a wedding, but the small town charm also keeps it appropriate for any smaller get together.

Before we dive deeper into Benner Hall, and this month’s Local Partner Coupon, we wanted to update everyone on last month’s Local Partner PROJECT PROS, a General Contractor in Quakertown, is going to be on Extreme Home Makeover! The filming is underway, so keep an eye out for Joey Smith on upcoming episodes!

Benner Hall is run by the Richlandtown Parks and Recreation Committee. Over the past few years, the committee has been working diligently to update and renovate the building, making it an even better facility for the community to use. In recent history, an entire heating and air conditioning system was installed and a new stage was constructed. Cosmetic upgrades including a new ceiling and paint job enhance the atmosphere inside the building. The newly constructed stage area is a perfect place for a DJ or band to settle in for an evening of fun and dancing, or to set up an in-house ceremony for a wedding. The outdoor area has a pavilion with picnic benches and playground equipment, which makes for a lovely setting for a summer picnic! Learn more about renting Benner Hall and find out what the rates are.

This month as part of the Local Partner Program, Benner Hall is offering Faulkner-Ciocca Truck Center Insiders & the local Quakertown community a coupon for discounted Hall rentals. Benner Hall is offering a 10% discount on weekday base rentals and a 15% discount on weekend base rentals! You can take advantage of this offer by becoming a Faulkner-Ciocca Truck Center Insider OR by connecting with FCC on Facebook. The coupon will go out to all FCC Insiders via email later this month and it will also be located within the Photos tab of the FCC Facebook page. You can learn more about our FREE Insider Program within the Faulkner-Ciocca Truck Center Email Insider Program below.

Richlandtown Borough is planning on building a new recreation center behind Benner Hall. The focal points of the project are to build a new, safe, ADA compliant playground and a walking trail to loop the 10 acre property. The all volunteer Parks and Recreation Board has been raising money through fundraising, events, and grants. They currently have secured about $240,000 in cash, grants, and in-kind services. They are looking for additional funding from local residents, businesses, and grant makers. If you would like to contribute, please visit the Benner Hall website (where you can view a video about the project), call the Borough Office at 215-538-9290, or e-mail fundraising@bennerhall.com.

Benner Memorial Hall is located at 1260 E. Cherry Road in Richlandtown, PA. You can contact Benner Hall staff at 215-538-2444. You can also connect with Benner Hall on Facebook & follow Benner Hall on Twitter to stay up-to-date on all of the latest Benner Hall events & news.

Faulkner-Ciocca Truck Center on Facebook

Over on the Faulkner-Ciocca Truck Center Facebook page we are looking to connect with our customers and other local residents who love talking GM & Chevy vehicles. If you have any questions about any make or model from any of our models, or you simply want to connect with other car & truck enthusiasts, please connect with us on Facebook.

Faulkner-Ciocca Truck Center Email Insider Program

The Faulkner-Ciocca Truck Center Insider Program is free to sign-up. Each month we send our Insiders all of the latest Faulkner-Ciocca Truck Center information, along with special savings opportunities on new and used vehicles, as well as, vehicle service. On top of all of the great FC-related information, we also send our Insiders a coupon from a local Quakertown-area business; as part of the Local Partner Program. We hope that you’ll take advantage of this opportunity by becoming a Faulkner-Ciocca Truck Center Insider today.

Faulkner-Ciocca Truck Center Mobile Insider Program

Remember that Faulkner-Ciocca Truck Center has gone mobile. You can now receive our Local Partner Program coupons and our Insider coupons directly on your mobile phone. To join our Mobile Coupons program, simply text FCTRUCKS to 41513.

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Can you get a car loan if you have bad credit? Yes. And the best part is it’s pretty easy.

Many people are surprised when they find out just how easy it is to get a bad credit car loan. In many cases you do not even need to undergo a credit history check. The lender will just require a driver’s license, auto insurance and proof of registration. The reason you need proof of registration is because some states will not allow you to buy a car without it. In Pennsylvania, for instance, your license plate is assigned to you, not the car. So to drive your car off the lot you’ll need your title, tags and registration paperwork.

Aside from legal restraints, however, getting a bad credit car loan is simple. If you’ve got the down payment in hand and meet all the legal requirements then you can walk in, buy a car and drive it off the lot in the same day. But you do have to keep up your payments or you will lose the car (and maybe even the privilege of receiving future loans).

Car dealers are willing to take a certain level of risk on loaning money to people with bad credit. That’s because they realize that just because you have bad credit doesn’t necessarily mean that you are a bad person. If you have fallen on hard financial times then you can ride out the waves and emerge with good credit because someone was willing to take a risk on your bad credit.

Bad credit doesn’t have to be a hindrance to owning a vehicle. It doesn’t have to be an obstacle to getting a car loan.