By JohnSmith26 April 14, 2015
the Spray Lining Coating guy at Great Lakes Lining and Coating Services did all the polyurea for TransEdge Truck Centers - we sell and service all Mack, Volvo and Hino Trucks. We are the Premier Dealer in Pennsylvania. Spray Lining and Coatings beat the national name guys with THICKER layer. Eric always said "thick is the trick"! Eric is a super applicator. ...read more
By No Hassle Shopping, Inc. 24/7 Online Store October 02, 2014
Your customer services skills are excellent. Wishing you much success in 2014 and beyond; we have unique merchandise at 50% off, you don’t want to miss this sale!!! Visit our web-site www.nohassleshopping.org for great savings. ...read more
By tkeefer June 04, 2013
After I had my truck done by Great Lakes Lining and Coating Services, I had no spray-lining complaints with the product separating or taking the beating my truck bed gets, so I decided to get a DIY koi pond / waterscape kit through Spray-Lining’s web site, since my pond is so small Eric said it isn’t cost effective to come out and do a pond my size. I got an earful when I asked about the Rhino dealer in the area. He said not only are the coatings that these others use more expensive, but they must be applied by those dealers because they’re toxic. He said they have Isocyanates which is carcinogenic, some have MEK which is seriously volatile and also carcinogenic. The Spray-Lining coating I’d get from Spray-Lining has no toxic VOCs or isocyanates so there are no Spray-Lining Complaints with doing it myself and all I will need to do this job is basic equipment. ...read more
The internet has changed everything. With a world of information at their fingertips, consumers have more power than ever. Consumers can do anything from finding love to buying a home online. Car shoppers have been propelled from in-person haggling at their local dealerships to thousands of online listings from hundreds of dealers with competitive up-front pricing in the click of a button from the privacy of their own living room. The internet, offering consumers access to inventory from dealers across the nation, has driven car dealers to list their most competitive price online or be lost in a sea of a thousand dealers offering a better price to anyone with internet access. Consumers have the power to find the best car at the best price before even setting foot into a dealership and most dealership activity has been pushed out of the showroom and onto the internet. You can find a car, get an appraisal of your trade, sell your car, make your car payment and apply for credit online. Online credit applications have allowed consumers to get loan approvals in minutes without having to leave the house, much less fill out mountains of paperwork hoping to get approved. Consumers can find a car and dealership, get an offer on their trade, and secure financing all from the couch. It’s a brave new connected world but people still have plenty of questions about how online credit applications work. Is it Safe? With stories of identity theft almost as common as Kim Kardashian selfies, consumers are smart to be concerned about protecting their personal information. In most situations, it is the website that you need to be worried about, not the submission. Scammers will send you official looking emails taking you to phony sites set up for the purpose of stealing your information. You will think that you are getting a great deal those Captain Kirk and Spock matching salt and pepper shakers that you thought you were purchasing from William Shatner’s fan site, but in reality the link in that email sent you a to a scammer’s page hosted in Liberia. For online car shoppers, the best way to avoid identity theft while is to make sure you are submitting your application on a trusted site. Use Google local business listings to verify you are on the actual business’s web site. Its fine for consumers to research and shop on generic listing sites, but when it comes time to submit an application or inquiry, go directly to the dealership’s website. Submitting information to a website that has an actual brick and mortar location will significantly decrease your chances to become a victim to a scam. When you are submitting an application for credit, check the web address of the credit application. It should be HTTP secure. The web address should begin with “https://ssl” or “https://”. Thehttps://stands forHypertext Transfer Protocol Secure, meaning the dealership uses encryption to collect your information. HTTPS provides protection against outside hackers gaining access to your information. It also encrypts collected data to avoid tampering or eavesdropping. Again, the most fool-proof way to avoid identity theft online is to make sure you are on the correct site and to make sure that site is connected to an actual physical business location. Will Applying For An Auto Loan Hurt My Credit? Since we primarily work with sub-prime borrowers, our customers can be even more concerned about damaging their credit further than a consumer with excellent credit. Our internal credit application is just that…. internal. Your information is not automatically submitted to any credit bureau, and we won’t run your credit through any bureau without talking to you first. Even though during the application process we will run your credit, it is very unlikely to damage your credit anyway. Check out our blog post “Will Shopping Around For A Car Loan Damage My Credit?” How Long Will It Take? With companies fighting to make their product or service faster and faster, you can end up feeling like you’re stuck in Something About Mary’s “7 Minute Abs” argument. Just when you think someone has the fastest whatever, someone else comes out with something quicker. One only needs to study the “time to apply for car insurance” wars between Geico and Esurance. “It takes you 15 whole minutes to get car insurance?! We can do that in 7 ½ minutes!” While some things, like getting a car loan, shouldn’t be completed at a lighting pace, that doesn’t mean you should have to fill out one hundred required fields to apply for a car loan. Unless you have your employers HR department’s direct line number handy, you’re going to want to find a dealer that has a minimum required fields. At our dealership, we have slimmed down our online credit application to 8 required fields. You can enter as much information as you want but you won’t be forced to. Our only required information is First Name, Last Name, Home Phone, Address, Social, Birth date, Employment and Income. If you have these few pieces of information, we can get you a preliminary answer. How Long Until I Get An Answer? Some dealerships can take up to 48 hours to process your application…. and that is with excellent turn-around time. At our dealership, we use an advanced secure processing system that will use your information to give you a preliminary answer by email within 10 minutes, guaranteed. With that preliminary approval, one of our salesmen will call you. Our salesman will obtain any additional information needed to get you your car loan and will be able to provide you will options for down payment and terms. How Will I Know I’m Approved In order to qualify for our guaranteed answer within 10 minutes, you will need to enter your email address in your credit application. Shortly after you receive your preliminary answer, you will receive a phone call from one of our salesman. Once we have obtained your information, we can determine your loan specifics like down payment, monthly payment and total loan amount. If you don’t get a phone call within one business hour of submitting your application, call us! I Have Terrible Credit. Can I Get Approved? Bad credit car loansare pretty much all we do. We have great rates for prime credit customers too but most people who come to us looking for a loan have already exhausted their first and second (maybe even third!) chances. We are different because we partner with multiple sub-prime lending companies, which gives our dealership plenty of options when dealing with consumers who have bad credit, or no credit or have been through a bankruptcy, divorce or even a repossession. Above and beyond our partnerships with our lenders, we also offer in-house Buy Here Pay Here financing for those especially difficult situations. Sounds Great! Where Do I Go To Fill Out An Application? Visit our website athttp://www.usedcarworldpa.com/. You can fill out a credit application, get an instant appraisal of your trade-in, view our inventory, and learn all about our car loan programs. ...read more
By Used Car World Inc October 31, 2014
Having your car repossessed is not a pleasant experience... for anyone. Often, consumers purchase a vehicle with an auto loan while their financial situation is good and one major financial incident can send a good paying loan customer into a tailspin of non-payment. What makes vehicle repossession even more difficult is the fact that the consumer needs the vehicle as a means to get to work, and getting to work is likely the only way out of the financial situation that put them into repossession in the first place. One unexpected medical issue, layoff or difficult circumstance can negate your ability to make your car payment, and send you on the road to repossession. A repossession can be catastrophic for a family that depends on a vehicle to get to work, and make it impossible for consumers to turn the situation around. If your car has been repossessed it will be more difficult for you to get a loan, much less a good interest rate. Most prime lenders and banks will not loan a vehicle to a consumer that has a recent repossession, but there is hope. There are lenders and dealerships that will lend money to sub-prime borrowers including those with a history of repossession. Getting a car will get you back on the road and one step closer to fixing your financial mess.. 1. Pay Off Your Loan Now hold on.. You're probably thinking "If I could have paid off the loan, I wouldn't be in this situation to begin with." and you're right. We're not trying to aggravate you any further by suggesting you do something that is quite obviously impossible. What you may not know is that when a car is repossessed it is resold, usually at an auction, to pay off the remainder of the loan. The difference in that amount (minus fees and other charges) is what you owe after the repossession. It may not be an exorbitant amount... It may only be a few hundred dollars that you could pay off completely. That would stop any further collection and damage to your credit score, making it easier (and cheaper) to get another loan. 2. Contact Your Lender The old adage "you never know until you try" rings true... even in the case of repossession. Your prior lender may be willing to work out an agreement with you to avoid further credit damage. You'll need to find out how much you really owe after fees and credit from the sale of your previous vehicle. There's no negative in attempting to negotiate with your lender. 3. Call The Credit Bureaus One simple credit fix that is less well know is this: the credit bureaus will attach a short note to your delinquent credit items at your request. It won't change your score or remove the item, but it will give potential lenders reviewing your credit a short explanation of your side. 4. Get Your Credit ReportYour repossession will have an affect on your score and history but until you pull your report, you have no idea where you stand. The affect of the repossession may not be as bad as you think, especially if you have other accounts that you have been able to pay on time. By law, you are permitted to view your credit report from all three credit bureaus one time per year. 5. Do What You Can To Fix Your Credit It's possible that there are other, easily fixable negative items on your report that is damaging your score. Even with a repossession, repairing other items on your report could mean the difference between driving or walking, and a percentage rate of 2 or 20 percent. If you can, wait as long as possible before purchasing another car. While this is not feasible for everyone, letting some time pass since your repossession and even opening a few secured credit cards can do wonders to your score. 6. Start Saving A Down Payment Unfortunately if you have a recent repossession, the only way you will be able to get an auto loan is with at least a minimal down payment. Start saving what you can. By the time you find a lender and vehicle, you will hopefully have enough for your down payment. 7. Be Reasonable "The sky is the limit" is no longer an option for consumers with recent repossessions. It's likely that you will not be able to get a newer model expensive vehicle. You may have to bring your expectations down a few notches. There is a limit to how much a sub-prime lender will allow you to borrow and you should be searching for an automobile within that range. 8. Find A Lender Before You Find A Car Many consumers that are new to sub-prime lending make the mistake of searching for the car and then searching for the credit. For those with recent repossessions, you're going to need to find out how much a lender will approve you for before you find a car that you love.. and can't afford. 9. Visit A Dealer That Offers "Special Financing" To find a dealership that works with sub-prime borrowers, search for dealers that advertise car loans for bad credit or special financing. These dealerships will have sub-prime lending options that mostly consider your income as opposed to your credit. You will pay more in interest, but they will be able to get you back on the road. 10. Buy Here Pay Here If all else fails, you can look for a dealership that offers Buy Here Pay Here. If you have no income, Buy Here Pay Here will be pretty much your only option. You'll need more for a down payment and will also have a higher interest rate, but they will be able to get you a car loan. By: Used Car World Bad Credit? No Credit? No Problem!! Apply Online: http://www.usedcarworldpa.com/ ...read more
By Used Car World Inc September 16, 2014
You may have been a victim of financial hardship. Bankruptcy, divorce, job loss and medical bills can take a toll on people’s credit rating. People who find themselves in need of credit repair often find that repairing their credit can be difficult when you are unable to get approved for loans or financing. At our dealership we find that consumers are not only looking for a car loan.. they are looking for a second chance. Many consumers are unaware of the positive impact an installment loan, like a car loan can have on their credit rating.How Can An Auto Loan Help My Credit?Monthly ReportingLenders, like ours report to credit bureaus. Paying installment loans on time is one of thebest ways to improve your score. Installment loans which are typically mortgage or auto loans have fixed payments that are commonly reported to bureaus each month. They are generally for an extended period of time. Reporting payments each month for an extended period of time can have a tremendous effect on your score.Risk LevelInstallment loans are very different from credit cards or “revolving” type debt. They are typically secured by collateral, in this case a vehicle, and bureaus consider these types of loans less of a risk.Credit UtilizationThey are usually for larger amounts. This will have a positive effect on your “credit utilization”, which is an important part of your score. Having a large amount of credit extended to you similar to the amounts extended in an auto loan make lenders and bureaus assume you are more worthy of credit.Credit TypesCredit types make up ten percent of your score. Having varying types of credit (installment, retail, revolving and open) helps your score.Paying installment loans on time and in full can be one of the best ways to improve your score. We are experts in bad credit car loans and are ready to help get you back on track. With our online credit applications, you can get an approval in minutes and be on your way to getting into your new car. ...read more
By Used Car World Inc August 27, 2014
It is crucial to make sure that your select the right SUV tires for your vehicle, since SUV's are multi-purpose vehicles. When having to shop for SUV tires for your SUV it can be a little more difficult than a regular car because they need to be able to got through all types of terrain such as ra... ...read more
