5 Steps to Finding the Right Car for You

1. Assess Your Needs 
As much as you might like to dream about what you want in a car, it's best to think more about what you need — not just now, but in the future, too. Functionality should trump flash. Here are some practical considerations to keep in mind:

  • How many passengers do you need to carry?
  • What type of driving do you do: highway, surface streets, off-road?
  • Will you drive in ice and snow?
  • Do you have a long commute and, because of that, is fuel economy important to you?
  • Do you need all-wheel drive?
  • What safety features are important to you?
  • Do you need a lot of cargo capacity?
  • Will you be using children's car seats?
  • Will you be doing any towing?
  • How much garage or parking space do you have?

2. Set Your Budget 
Unless you're paying cash for your car, you'll need to think about financing your purchase or lease. How much can you really afford to allocate toward a car payment each month? The general rule is no more than 20 percent of your monthly take-home pay.

3. Weigh the Costs of Ownership 
Some cars may be cheaper to buy but more expensive to own. Why? Even if two cars have about the same price, one might depreciate faster or cost more to insure and maintain.

Before you commit to a car, you should estimate its long-term ownership costs. These include depreciation, insurance, maintenance and fuel costs.

4. Set Up a Test- Drive 
Now that you've found a car that seems like it might be a good fit for you, call or email Royal Automotive to schedule a day and time for a test-drive. By making a test-drive appointment, you ensure that the car will be waiting for you when you arrive.

5. What to Look for in a Test-Drive ?
A car might seem to have all the features you want, but the true test takes place when you are in the driver seat. You should test-drive the car the way you would drive it during your everyday life.

If you commute, drive the car in both stop-and-go traffic and at highway speeds. If you trek to the mountains, find some steep hills to climb. Drive over bumps, take tight corners and test the brakes in a safe location. Get in and out of the car several times and be sure to sit in the backseat, especially if you plan on carrying passengers. Check out the cargo space. If you plan on using children's car seats, bring those along to test for fit and ease of installation.

While you are evaluating the car, don't be distracted. Take your time looking everything over. We will respect your need to experience the car and will let you focus on the driving experience. Turn off music so you can listen to the sound of the engine. You can evaluate the sound system when you return to Royal Automotive.

Top 5 Reasons Why Changing Your Car Oil Is Importa

  1. Maintains engine lubrication. Imagine all the moving parts, pistons, valves, and other engine parts moving at high rates of speed under the hood of a car. These components create heat and will wear down the engine dramatically without proper oil lubrication. Make sure to refer to the owner’s manual to see what specific weight and grade of oil the vehicle requires and ensure it is kept at the recommended fill volume.
  2. Cools engine components. Moving parts that lack proper lubrication create friction, which in turn creates heat. Maintaining clean and sufficient amounts of oil is the perfect solution to prevent too much friction and over-heating of the engine.
  3. Removes engine wear particles and sludge. Dirt particles are deadly to engines. Over time, dirt can cause corrosion and decrease the life of an engine. Also as time goes on, oil breaks down and turns to "sludge." The name of the game is to keep the engine clean. Routine oil and filter changes help remove particles and sludge and keep engines at peak condition.
  4. Improves gas mileage. Poor engine lubrication can lead to increased fuel consumption, so make sure there is enough clean oil in the engine. The U.S. Department of Energy says that with routine changes and the right kind of oil, gas mileage can be improved over time by 1-2%. That doesn't sound like much of an improvement, but for the average car, it leads to savings of an entire gallon of gas for a year!
  5. Promotes vehicle longevity. Plain and simple, routine maintenance makes your vehicle last longer. Buildup from dirty oil robs a vehicle’s fuel economy and power, and makes internal components work harder. An engine that works too hard will end up having more problems down the road as well as a shorter life span. According to Kelley Blue Book, car valuation increases at resale time if regular maintenance has been upheld.



1. Getting Your Auto Loan

This is the most important step in this process, because your loan choice will determine the success of the strategy. The type of auto loan you can get depends on your current financial situation, especially your credit. There are four choices for vehicle financing: bank, credit union, finance company and dealership.

Many people assume that with poor credit, their options are limited to dealer financing or a subprime finance company (one specializing in consumers with poor credit). However, Charles Bernath, an Atlanta, GA tax and credit expert, says that’s incorrect. “Usually, you can go to a credit union, so check out that option first,” he suggests. Bernath also states, “Only dealers and subprime financing companies benefit from their loans.” Therefore, if you can avoid them and their typically double-digit finance rates, do so.

Michael A. Wishnow, Senior Vice President of Marketing & Communications for the Pennsylvania Credit Union Association, agrees. He says, “If you have a FICO score of 600 or better, you can probably get a car loan at most credit unions at single-digit interest rates.” He adds, “However, roughly only 50% of credit unions will write loans for people with FICO scores below 600.”

Banks, while more stringent than credit unions, are still better than dealer and subprime financing. But, says Jason Jewett, Personal Banker and AVP at SunTrust Bank in Laurel Springs, GA, “You’ll need a minimum credit score of 660 and clean credit report to get financed at most banks, and your finance rate depends on your credit score and history.”

Whatever your choice, do not borrow more than you can afford. Your monthly payment should fit your financial reality. So, while you may want that dream car, your vehicle is collateral for your loan. If you can’t pay your car note, you may lose the car and further damage your credit.

In fact, says consumer credit expert and author, Beverly Harzog, “Decide before you go car shopping exactly how much you'll spend, which might keep you from making an impulsive decision and financing a car that you can’t really afford.”

And, remember, the lower your FICO score, the less you’ll be lent to begin with. “With low credit scores, you should focus on a used vehicle and expect to be financed a maximum 80% of its Kelly Blue Book value,” advises Wishnow. 

Your choice of a loan type and amount, therefore, is critical to the success of this strategy.

2. Repaying Your Auto Loan

This is the most important and straightforward aspect of this credit restoration strategy. That’s because when you get an installment loan to rebuild your credit, naturally, you must pay it back. Harzog, whose latest book is The Debt Escape Plan: How to Free Yourself From Credit Card Balances, Boost Your Credit Score, and Live Debt-Free, emphasizes that “It’s critically important to make your car loan payment on time each month.” Even a single late payment can set back your credit rebuilding strategy.

Repaying your loan on time, for at least nine months to a year, will help increase your credit score. But, you’ll also have to pay all your other bills on time, have the right mix of credit, and not have too much debt. You must manage all your credit well. Otherwise, this strategy won’t help, and may even hurt, your credit.

3. Refinancing Your Auto Loan

“Sometimes,” says Wishnow, “your payment is affordable, but your interest rate far too high.” This is most often true if you quickly financed a vehicle because you must have one or felt forced to accept a high interest loan because of your credit. Bernath, who has refinanced all three of his daughters’ auto loans, says, “You should refinance your vehicle loan when that happens.”

And, in most cases, while you’ll need to take specific steps, you can refinance much sooner than you think. If you got a double-digit interest loan through dealer or other subprime financing, you’ll want to refinance that loan as soon as you can.

Often, if your credit score is above 600, you can go to a credit union and refinance your loan, even if it’s immediately after getting into the bad loan. But, Wishnow says, you’ll have to become a member of a credit union.

Jewett explains that if you’ve used this approach to successfully rebuild your credit and have no negative entries on your credit report, “Once your score is at 660, you can use a bank to refinance your auto loan.”

All three credit experts agree that refinancing is both a great way to reduce the amount you pay over the loan’s life and to reduce your monthly payment, in most cases. So, pursue that as part of this plan.

If you apply all three of these steps carefully, using an auto loan to rebuild your credit is one of your fastest and best paths to boosting your FICO score.



"Subprime" doesn't have to be a dirty word when it comes to taking out a car loan to buy a new or used car.

In a perfect world, everyone benefits from low interest rates on car loans. But for a large swath of the population, that's not an option. Blame it on the effects on your finances of the Great Recession of 2008 or missteps in managing your money. Either way, a subprime credit score is not unusual.

"About 20 percent of all auto loans currently are subprime or deep subprime," says Rick Finch, vice president and general manager at LendingTree Auto Division. "Subprime loans are growing, and auto is the fastest segment."

Typically, you're considered a subprime borrower if you have a credit score of 619 or lower, Finch says. That doesn't preclude you from purchasing a car, but it will cost more because you're a greater risk in the eyes of the lender.

While everyone has considerations to consider when buying a car, subprime borrowers should know a little more. From understanding the ultimate cost of the vehicle to knowing your ability to meet your payments, here's a look at five things to ponder before taking out a subprime car loan.

Many car buyers go to the dealer with a monthly payment in mind and give little thought to what the ultimate cost of the car will be. As a result, the car buyer gets his or her $300-a-month payment, but that could mean a five-year loan may morph into a seven-year one.

"The longer the loan, the more interest you are paying, especially if you are buying a used car," says Chris Kukla, senior counsel at the Center for Responsible Lending. "Let's say you buy a 5-year-old car and slap a seven-year loan on that. Assuming your car can hold up 11 to 12 years, you'll still end up owing money on the car."

Knowing how much you can afford each month is prudent, but you also must figure out the interest you'll pay over the life of the car loan and any fees associated with borrowing money to determine if it's worth it. You don't want to end up in a situation where the $30,000 car ends up costing you $40,000.

"People get in trouble when they focus more on the monthly payment versus what's the total cost of ownership, including repairs, insurance and gas," says Finch of LendingTree Autos.

The phrase "It's all in the fine print" is particularly true when it comes to subprime car loans. After all, you are a risk and the lender is going to protect itself, usually by charging you more in fees. But the discrepancies between those fees can be great from one dealer to the next, which is why you need to know what you are signing.

"You need to be diligent in reading all the fine print and understanding what types of fees you are going to incur," says Eric Lyman, vice president of industry insight at ALG, the automobile industry research company. "There are various ways that lenders get compensation for their risk."

One common fee that lenders charge is a loan origination fee, but what one dealer charges can vary greatly from the next. "One lender's origination fee might be $500 while another might be $1,500 for the same car," he says.

Lyman says combing over all the details of a car loan will ensure that you won't be surprised by any unforeseen costs. What's more, knowing the fees ahead of time will put you in a better position when you are negotiating the purchase price and auto loan terms

Everyone needs a mode of transportation. But before borrowing money, borrowers with credit problems need to think about the ramifications of not paying back an auto loan. After all, you don't want to end up in a worse credit situation because you can't afford your ride.

"When borrowing money, you need to make a realistic assessment of yourself and your capabilities," says Lawrence White, professor of economics at New York University Stern School of Business. "You need to think longer term rather than, 'I need this today and will worry about it tomorrow.'"

Industry experts say that while a BMW may be an appealing vehicle for your commute, your credit history and current household finances may make it more prudent to go with a lower-cost sedan.

"Just because it's a subprime car loan doesn't mean you shouldn't do it," says White. It's more about how much you need the car, did you get a good price on the car and can you afford to pay back the loan, he says.

If you have a credit score over 680, chances are you'll have auto lenders banging at your door to offer you low-interest car loans. Have a score below that and there may be no one calling.

"If you are a consumer with credit challenges, whether that's because you don't have a lot of credit history or missed payments, you have more work to do," says Kukla of the Center for Responsible Lending. "If you have a score below 680, the number of lenders willing to give you a loan decreases pretty rapidly."

While prime borrowers can easily get a low-interest auto loan from the bank down the street, Kukla says consumers with bad credit only have a couple of options: They can turn to the Internet or rely on a dealer.

If the dealer route is under consideration, know that it can be costly.

"One of the biggest misconceptions we see out there perpetuated by dealers is that they do business with dozens of lenders," Kukla says. "Nothing could be farther from the truth. The dealer is looking for the best loan for them, not the consumer."

When it comes to borrowing money when you have bad credit, you must be able to take rejection. That's because you are likely to be turned down multiple times before you find a lender who will give you the money. On the other hand, you also don't want to assume the lender or bank will say no just because you have credit challenges without giving it a try.

Kukla says he hears plenty of stories of consumers who assumed a bank or credit union wouldn't give them financing only to learn later that they could have gotten it, and gotten it much cheaper, if they had asked.

"Never assume you can't get credit," Kukla says. "The worst thing you will hear is the word 'no.'"


#5: Choice

ROYAL AUTOMOTIVE LLC has a big selection of late model cars to let you test drive. We get lots of high quality low mileage cars, trucks, SUVs, vans, sports cars, and high-end cars.

#4: Protection

ROYAL AUTOMOTIVE LLC offers extended warranties which can provide some peace of mind when you buy.

#3: Convenience

If you’re looking for one-stop car shopping, buying from a dealership is the way to go. ROYAL AUTOMOTIVE LLC takes care of all the necessary paperwork, and have efficient financing on the spot that can help you secure a car loan.

#2: The CARFAX Advantage

You’ll have more peace of mind if you buy from people you know in the community who have more at stake than just moving cars. We are a Carfax Advantage Dealer which will get you additional benefits of knowing that we provide free Carfax Vehicle History Reports.

#1: Dependability

ROYAL AUTOMOTIVE LLC views everyone who comes into our dealership as a potential customer for the long haul. We like to build relationships by providing great customer service, quality repair service and giving you the confidence that we will be there when you need us.

There are many things to consider before purchasing a vehicle. The first is identifying what type of vehicle fits your specific needs.  ROYAL AUTOMOTIVE LLC sells Used Cars, vans and Trucks of all types.  We carry everything from coupes to full size SUVs.  Below are a few things to consider before making a buying decision. 

Identify My Needs

How many passengers do I need accommodate?

What type of driving conditions define your daily routine: highway, city streets, off-road?

Will you be driving in the rain, ice, snow, or mud?

Do you have a long commute? Is gas mileage important to you?

Will you need to tow with your new vehicle?

What safety features are most important to you?

What are your cargo needs?

Will you be using car seats?

Establish Your Budget

There are several ways to purchase a vehicle.  ROYAL AUTOMOTIVE LLC provides many ways to pay for your new vehicle.  We provide the most competitive finance options to all credit profiles, accept cash payments and bank checks.  We have relationships with many prime and sub-prime lenders in the Mountain region.  We can help finance Bad Credit Car Loans. Guaranteed credit approval!  Below are some important points to keep in mind.

Most banks allow up to 15% of your gross or total monthly income to be used towards a monthly car payment.

Every $1,000 you finance is typically between $20-$35 per month (Can vary considerably based upon credit and vehicle)

The traditional ways of shopping for a pre-owned vehicle are a thing of the past.  Years ago, you had to visit a dealership to obtain the information needed to make a good purchasing decision.  With a little help from the internet, you can now search for literally any vehicle/make/model/trim you desire at the click of a mouse.  Not only can you find the car you desire, you can perform your market research to assure you’re getting the best deal.  Below are a few examples of places you can shop for your new vehicle!






ROYAL AUTOMOTIVE LLC takes pride in pricing our vehicles with the market instead of the classic mark up from cost approach.  We spend the time researching and purchasing quality vehicles at the right prices so we can provide you with a quality vehicle at the perfect price. 


ROYAL AUTOMOTIVE LLC provides many options to purchase your new vehicle.  We specialize in obtaining the very best terms available for our customers no matter their credit situation. 

Used Car Financing - We provide many financing options that give our customers the flexibility and freedom to choose the program that best fit their needs.  We specialize in helping our customers find the bank that offers the best terms based upon the vehicle of interest and credit profile.  ROYAL AUTOMOTIVE LLC has established excellent relationships with many lenders over the 30+ years of combine experience that we bring. 

Sub-Prime Financing - We offer multiple programs to those who have less than perfect credit. That's right, we can still help you find the car of your dreams!  We understand that life happens and sometimes we aren't in control of all factors affecting our credit. That's why we have formed exclusive relationships with our sub-prime lenders, which allow us to provide the best options available for re-establishing your credit. 

Cash Payments - It may come as no surprise, we accept cash payments!

Bank Check - Bank or cashier’s checks are accepted as a form of payment at ROYAL AUTOMOTIVE LLC.


car buying, good credit, bad credit, no credit, car loans, buy here pay here



Questions to Ask

Do you have a Carfax report?

Is it 4-wheel drive?

Are you the title holder?

How many keys does the car come with?

Does the car have a spare tire and jack?

Will the car pass local/state safety inspections?

Has the car been involved in an accident?

Is the vehicle leaking fluids?

How much tread is left on the tires?

How is the wear on the brakes?

Are there any dealer specific fees that I should know about?

What warranty does my vehicle come with?

Are there options to extend the warranty on my car?

In the past, most consumers relied on a handshake for a sense of confidence when buying a used car.  In today’s market, there are many ways to make sure you are purchasing a good car.  The first thing most consumers ask to see is a Carfax.  A Carfax will disclose many details about the vehicle of interest including any accidents, maintenance records, and the vehicles previous location. If the dealer you're working with is not wanting to make these records available, red flag!


Bank financing – ROYAL AUTOMOTIVE LLC has worked very hard establishing excellent bank relationships with many lenders that allow us to provide the most competitive financing options available.  Ask us about our low rates and custom financing term options.

Guaranteed Credit Approval – We have developed a program that allows customers with less than perfect credit, or no credit finance their new car.  This program reports to all three credit bureaus to help build our customers credit file and allow them to obtain better financing options each time they come back! Credit approval can vary on specific vehicles and may require money down. Call and ask about our Guaranteed Credit Approval program today!


Cash Payment – We accept cash, all major credit cards, personal checks and bank checks!


Several things affect your monthly car payment.  The two biggest factors are the price of vehicle, and credit score.  As a rule of thumb, every $1,000 you finance is between $25-$35 per month in payment.  Using these figures as a guideline, a $10,000 vehicle will cost about $250-$350 a month.  The third contributing factor is the length of time you choose to finance the vehicle.  We offer the most competitive term options to assure you can obtain the lowest monthly payment possible. 


Car Payment, Car Finance, Financing, Auto Financing, Monthly Car Payment


There is no penalty for paying your loan off early. All the bank relationships ROYAL AUTOMOTIVE LLC has established are simple interest agreements.  This means there is no pre-pay penalties for paying off your loan early. 

Early Payoff Penalty, No Fees, No Penalties


ROYAL AUTOMOTIVE LLC has established relationships with many lenders in the Denver metro area.  We provide loans through local credit unions, banks, and nationally known banks.  Call to see if we use your bank today!

Car Financing, Car Finance, Auto Loan, Car Loan, Car Loans, Good Credit Car Loans, Bad Credit, Bad Credit Car Loan



Q: What do you mean by Guaranteed Credit Approval?

Our Guaranteed Credit Approval program is set up exclusively for customers with credit challenges. We guarantee your credit history will not prevent you from receiving a written approval for vehicle financing.

Q: Can I get an auto loan even if I have bad credit?

Absolutely! Royal Automotive works closely with a network of partners that specialize in helping people with bad credit buy a used car that fits their needs. Even if you've been turned down before, we invite you to try again with us. This is our specialty.

Q: What if I have excellent credit?

We have fantastic programs for those with excellent credit including Credit Union Direct financing that offers some of the best interest rates in the area.

Q: Can I get a vehicle history report?

Definitely. We recommend never buying a vehicle without viewing a history report. We provide a free CarFax history report on every vehicle in inventory.

Q: Can I get a copy of my credit report?

Yes, but not from us. We are happy to show you your credit report and go over it with you. However, due to privacy laws, we cannot give you a physical copy of your report. We recommend visiting annualcreditreport.com for a free copy of your credit report.

Q: If I buy a Pre-Owned Vehicle, how can I be sure it is reliable?

We offer Protection Plans and Extended Warranties that will cover your vehicle and give you peace of mind. We also offer a free CarFax history report so you can be confident in your purchase.

Q: How much will my monthly payment be?

There are many factors that go into calculating monthly payments such as amount of purchase, interest rate, term, and down payment. With hundreds of banks, thousands of programs, and a wide selection of cars, your best bet is to contact us with your budget and we'll see what we can make work for your specific situation.

Q: Do you offer military financing?

First of all, thank you for your service! Our organization is committed to offering excellent financing products to the military. This certainly includes members of the Armed Forces with credit challenges.

Q: What if I don't have money to put down?

We want to talk to you anyway! We have many programs that allow you to put zero money down. Let us know how much you are working with and we will try and fit the finance program to your needs.

Q: What if I have a bankruptcy?

No problem! Our Guaranteed Credit Approval program can get you approved for a vehicle regardless of where you are in your bankruptcy process.

Q: What if I have a new job?

Not to worry! Our banks look at dozens of factors beyond just job time. We understand that everyone changes jobs from time to time and we still have ways to get you financed.

Q: How much income must I have?

The minimum income required by most of our finance companies is about $800 per month, but there are exceptions to every rule. This minimum income amount varies widely among lenders and some won't require any income with a qualified co-signer. If limited income is a concern, give us a call and let us take a look at your specific situation.

Q: What if I have a trade-in?

All trade-ins are welcome, running or not. We also specialize in trading customers out of a negative equity position. If you have a trade, we would love to talk to you about it.

Q: What if I have repossession?

Many of our customers have had repossessions in the past. Our business is helping you, the customer, re-establish credit and move beyond the challenges you've had in the past.

Q: What if I'm a first-time buyer?

We have programs specifically suited for you. While you may not have had the opportunity to establish a record of on-time payments, we can help you get there and get you behind the wheel at the same time.

Q: What if I'm disabled or on Social Security?

Being on disability does not hinder your ability to obtain financing. Social Security is recognized by lenders as income and can be used in determining what size loan you qualify for.

Q: What if I'm self-employed?

Being self-employed in most cases is not a problem. Sometimes, proof of income may not be required at all. If it is, having verifiable income is the key. Often we can use tax-returns, bank statements, or cancelled checks. Give us a call and we'll do whatever we can to work with you.

Q: What if my trade-in has a larger balance than what my car is worth?

Being "upside-down" in a trade is a tremendous challenge for most dealers because their cars are already priced well over retail value. In our case, we regularly buy vehicles at a tremendous value specifically for trading customers out of negative equity situations. Often, this means we can trade you out of your upside-down trade-in while rolling over little or no negative equity.

Q: Are there any fees associated with buying a vehicle?

Advertised price INCLUDES D&H fee, price does not include taxes, title fees, registration fees, emission, and finance charges.

Q: How long does the application process take?

Filling out the credit application physically or online only takes a few minutes. After the application has been submitted, the bank may request additional information such as paystubs, phone bills, bank statements, or they may not request anything. Every bank and every program is different but we'll help you get everything completed as quickly as possible.

Q: What is the interest rate for my auto loan?

Interest rates are determined by the actual lenders and are influenced by several factors, including the severity of credit problems, the amount of down payment, and the degree of credit risk. Your auto loan expert will explain these factors, and tell you exactly what your interest rate will be.

Q: Will it help if I have a co-signer on the loan?

Usually this does help. However, you may not need a co-signer or the co-signer may not help. Every situation is unique.


At Royal Automotive we base our credibility on the numbers. These numbers are our fair and clear pricing, our 40% repeat and referral, and our inventory size, consistently having a selection of quality vehicles for you our customer to choose from. As one of Denver’s top used car dealerships we value the opportunity to serve those in our community. And provide them with the experience that keeps many choosing to call Royal Automotive their Vehicle provider of choice. The “Royal Treatment” is not only our company motto but the statement of trust we stand by.

Whether you have a chapter 7 or chapter 13, Royal Automotive has a program that will assist you in reestablishing your credit standing. We at Royal understand that filing for bankruptcy is a life changing decision and working towards positive credit is one of the most important personal and family commitments you can pursue. Together with Royal, we will start you on a path that will become the building blocks of your personal security and confidence, as well as a long term relationship that you and Royal can both value. Our mission here at Royal is to present a quality of service that provides support and empowerment to our customers, which reflects that they are truly the best part of our Royal Automotive Family!


We demonstrate our honesty with no hidden fees and upfront pricing on every vehicle. Fast Streamline sales approach with no bait and switch from sales to financing.


We take great care of our customers. We work with you to get what you need, not what is most beneficial for us. We do this by selling quality cars and purchasing your trades at fair prices. We understand that a long term investment of trust and consistency are the most important part of your purchase.



We remain loyal to our customers. We do not mark up our financing rate, and we offer affordable vehicle maintenance to our customer base. These are just a few of the reasons Royal is proud to maintain a consistent 40% repeat and referral rate



We treat you like part of the Royal Family and look forward to establishing long-lasting relationships with our customers.

repeat and referral

At Royal Automotive we base our credibility on the numbers. These numbers are our fair and clear pricing, our 40% repeat and referral, and our inventory size, consistently having a selection of quality vehicles for you our customer to choose from. As one of Denver’s top used car dealerships we value the opportunity to serve those in our community. And provide them with the experience that keeps many choosing to call Royal Automotive their Vehicle provider of choice. The “Royal Treatment” is not only our company motto but the statement of trust we stand by.

Text Us!