Kia Models at Rocky’s

Used Kia's | Car Dealer in Glendale, AZ | Rocky's Auto CreditBuying a new car can be difficult if you don’t have the funds or your credit score isn’t great. These two issues can really limit your options. However, there are dealerships that can sell you a car for a good deal and even if you have a low credit score.

At Rocky’s Auto Credit, the only thing holding you back from getting a car is finding one that is right for you. Rocky’s can help you find a great used vehicle and help you finance it as well. If you are looking for a Kia with some help in financing, then here are some great models available at Rocky’s Auto Credit.

Kia Forte (2010-2014)

The Kia Forte is a reliable, mid-sized sedan with a good combination of performance and style. It makes a great family vehicle for small families that want to keep their vehicle and fuel costs low while having something exciting to drive. You can easily manage a family of four with a well-maintained Kia Forte. Kia Fortes are popular vehicles on Rocky’s lot, and they come and go quickly since they are such high-quality. Continue reading

Reasons You May be Turned Down for an Auto Loan

Reasons You May Be Turned Down for an Auto Loan | Rocky's Auto CreditYour credit score is an important factor in getting a car. It can be the determining factor between getting the car you want and getting the car you have to settle for. Cars are expensive, which is why most dealers offer some form of financing. There are even companies that will loan you the money to pay for your new vehicle.

While many of these places promise that you won’t be turned down for a loan, the truth is that there is a real chance that many might turn you down under the right conditions, no matter how positive the institution is. You can do something about them, but only if you know what’s going on. Here are reasons you may be turned down for an auto loan.

A Failing Credit History

The most common reason for being turned down for an auto loan is your credit score. If your credit score is very low, below 400, you are likely to be denied a loan on the basis that you have bad credit. Giving you credit is an investment for a company; companies will not invest in you if they think that you cannot meet your obligations. Continue reading

3 Ways to Increase Your Credit Score

3 Ways to Improve your Credit | Auto Loans in Glendale, AZ | Rocky's Auto CreditYour credit score is important if you want to be able to make any large purchases or open credit lines. Most financial institutions use your credit score to decide whether to offer you credit. Therefore, it is important to have a good credit score, even if you are not sure you are going to use it.

If your credit score is already in not great shape, do something to fix it. Here are three ways to increase your credit score.

You Can Improve Your Credit Score

The most important thing to remember about your credit score is that it is fluid and constantly changing. If you have a bad credit score, don’t give up on fixing it. It is a temporary look at your credit history and a few simple actions can easily change it. Essentially, you are going to change your credit score through positive actions. Continue reading

Best Hiking Trails in Mesa

Butcher Jones Trail | Hiking in Mesa, AZ | Rocky's Auto CreditThe city of Mesa, with its idyllic and gorgeous surroundings in the East Valley area of Arizona, is a great location to base yourself and embark upon some thrilling hikes. Mesa is somewhat of a hiking mecca, so you can make sure you only hike among the most impressive scenery by checking out this lowdown of Mesa’s best hiking trails.

Wind Cave Trail

The Wind Cave Trail’s 3.2-mile round trip goes through a particular section of the stunning Usery Mountain Regional Park. The trail features a moderate amount of climbing with increasing difficulty as you advance farther along the route. At the end, you’re rewarded with stunning panoramic views of the surrounding national park. You’ll also see some impressive views of the entire Western Phoenix Valley area. Continue reading

4 Advantages to Buying a Used Car

Advantages to Buying a Used Car | Rocky's Auto CreditWhen it comes to choosing new vehicles, drivers often find it difficult to choose between buying a brand-new car or a used car. One of the main worries about used cars is the possibility of buying a nice vehicle that turns out to be not so nice. But with some good research, you can easily avoid the bad apples and take advantage of the perks of buying a used car, four of which you’ll find out about here.

Avoid Most Depreciation

One of the most frustrating aspects of buying a new car is when owners find out the car’s value depreciates by anything between 20 to 40 percent within the first two years of ownership. Furthermore, it’s not uncommon for a car to depreciate by 40 percent in the first year. When you buy a used vehicle, you often avoid that early big depreciation after purchase, compared to buying a shiny new car straight from the dealership. The end result is that you can typically drive a used car for however long you need it and sell it yourself at a much lower loss than the original driver took when he or she sold it to you.  Continue reading

Financing 101

Finance 101 | Auto Loan Phoenix, AZ | Rocky's Auto CreditFinancing is a popular method to pay for a motor vehicle, but it’s not wise to dive headfirst into financing a motor vehicle without learning some key points about it. Here’s some of the most important information you need to understand before financing so you can approach it with the requisite knowledge.

Cost of Financing

Financing the purchase of a new or used motor vehicle costs more than the actual value of the vehicle.  The extra cost represents monthly interest paid to the lender. Other loan costs such as administration fees further increase the overall price you pay over the term of the loan. On the positive side, you don’t need to part with a hefty chunk of money to get a new or used car when you opt for the financing option.  Continue reading

Top 5 Reasons To Buy an SUV

Top 5 Reasons to Buy an SUV | Buy Here Pay Here Glendale, AZ | Rocky's Auto CreditSUVs are in huge demand right now because of their convenience, power, towing capacity, storage room, and a number of other factors. But are there any convincing reasons to choose an SUV over other vehicles that offer similar benefits? Find out about five reasons to buy an SUV.

Large Families

If there are more than five people in your family, which is not beyond the realm of possibility, an SUV is by far your best option. Many SUVs include three rows with seating for seven to eight people, which is about the upper limit for the size of most families. The other option is a minivan, but it won’t offer the smooth driving experience and better style that you get from an SUV.  Continue reading

Mesa Arizona Visitors Guide: 3 Fun Things to do in Mesa

Fun Things To Do | Mesa, AZ | Rocky's Auto CreditThe almost invariably clear weather in Mesa makes it a dream destination for travelers and an ideal city to live in if you can get used to the heat. The pleasant climate also means Mesa is full of great attractions that combine spectacular outdoor scenery, a slew of superb museums, and some great theme parks too. Get the lowdown below on the three most fun attractions that the city of Mesa has for tourists and locals alike.  Continue reading

Sedan or Crossover, Which One Is Right for You?

Sedan or Crossover | Mesa, AZ | Rocky's Auto CreditIt’s the perennial choice that plagues motorists everywhere, especially those searching for a vehicle suited to families: sedan or crossover? The two vehicle types differ quite considerably in terms of how they look, but they also come with some similarities. Find out below about the key differences between the two vehicle types that will give you a clearer picture on whether a crossover SUV or a sedan will suit your needs.  Continue reading

4 Steps for Finding the Right Used Car

Used Cars | Mesa, AZ | Rocky's Auto CreditFinding the right used car requires more careful planning than simply browsing through the local car magazine and picking a car that you think looks good. You’ll need to do your research so that the car meets your expectations and doesn’t turn out to be a lemon. Below you’ll find some practical steps to find your ideal used car that meets your expectations in terms of budget, features, and reliability.  Continue reading