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Our Customer Reviews
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Taesha Hunt
- Charlotte
2009 Chevrolet Impala
04/02/2015

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Bruce Smith
- Gastonia
2006 Nissan Pathfinder
04/02/2015

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Humberto Perez Rizo
- Charlotte
2009 Volkswagen Jetta
04/02/2015

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Sonia Cambray
- Concord
2012 Nissan Altima
04/02/2015

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Sharon Miller
- Concord
2007 Toyota Camry
05/13/2014
Easy going place, i came in test drove the car, even got to take it home. came back and bought it. Donnie was a good sales person!
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Lisa Brooks
- Laurel hill
2006 lincoln navigator
05/13/2014
Called last year Natasha was very patient and came in for my Valentines present and bought my car.
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Tanya Neal
- Charlotte
2005 chevrolet Trailblazer
05/13/2014
Ride Now Motors was the best experience ever with amount down to payments a month to quick service, got me in quicker then me being in an convenient store. Eddie and Donnie also had me laughing from the time i walked into Ride Now Motors. Everyone made it easy, comfortable and fast. Just want to say thank you. I'm recommending everyone to look no further, Ride Now Motors is it...
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Wakeisha Peele
- Charlotte
2005 Jeep Cherokee
05/13/2014
I have bad credit, i wasn t for sure they was going to finance me. They were very professional. I found the vehicle i like and payments i could afford. I will tell my friends about Ride Now Motors.
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Tondra Franklin
- Charlotte
2011 Toyota Camry
05/13/2014
I really enjoyed the service that I was giving, an most of all i really enjoy my new car....
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Wesley Dunbar
- Charlotte
2005 Ford expedition
05/13/2014
FROM THE VERY BEGINNING MS.TERRY WAS VERY HELPFUL AND POLITE.SHE HELPED ME SCORE A NICE TRUCK FOR MY FAMILY.I WOULD RECOMEND RIDE NOW TO EVERYONE WHO WANTS TO PURCHASE A VEHICLE. WESLEY DUNBAR
Ride Now Motors
6353 E. Independence Blvd. Charlotte, NC 28212
(704) 295-1585
HOURS:
Weekdays: 9am - 7pm
Saturday: 10am - 6pm
Sunday: Closed
Ride Now Motors
5104 Hwy 74 West Monroe, NC 28110
(704) 291-9990
HOURS:
Weekdays: 9am - 7pm
Saturday: 10am - 6pm
Sunday: Closed

WELCOME TO RIDE NOW MOTORS, USED CARS FOR CHARLOTTE NC

Ride Now Motors is a Charlotte used car dealership. We buy, sell, and trade quality used cars. At Ride Now Motors, our buy here pay here financing program can get you an auto loan approval for a used car, truck or SUV - even if you have no credit, bad credit, bankruptcy, collections, or any other derogatory credit. At Ride Now Motors, we can get you outside lender for financing or we can get you in-house financing.


Our job is to gather all the information required to get you the used car and financing you deserve. We know that trying to find a particular used car can be tiresome, and instead of you driving all over town or making dozens of calls, we do the hard work for you. With up to 300 used cars in stock at our two locations in Charlotte and Monroe, the choice of used vehicles is rarely better. If we don't have exactly what you are looking for we do have a used car finding program available.


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How to Terminate Your Car Lease/Loan Early

 

We all know what a great feeling it is to buy or lease a new car, right?  Nothing better than that, especially when it still has that ever-popular, ‘new-car-smell’ that you just can’t get enough of, rightFurthermore, you know you’re not going to have any mechanical problems for quite a while, it looks great, has great gas mileage, it’s affordable, it’s what you wanted, and most of all, your neighbors are jealous!  So let’s ask the question most people who just bought or leased a new car doesn't want to consider – What happens when the ‘new-car-smell’ wears off, the neighbors are no longer jealous, and you suddenly believe that perhaps this wasn't the best deal or car for you; how do you get out of the lease/loan early when you’re already a year or two into the deal?

According to “Walkaway Canada”, a Canadian auto leasing franchise, there are a few primary reasons people decide to get out of their auto lease or loan early. 

v  Job Loss – A person may be terminated or indefinitely laid off from their employer which will result in an inability to meet the financial responsibility of the auto lease/loan.

v  Disability – A person may become stricken with a physical disability, presumably, the result of an unfortunate auto or sports accident or injury.

v  Driver License Issues – Traffic tickets and excessive points against a person’s driving record can result in a revoked or suspended driver’s license.

Regardless of your reason for choosing to terminate your auto lease early, you should always know your options, as well as the specific terms and conditions of your particular agreement.  Knowing and having this information will only assist you in successfully terminating your lease early.

Once you've made the decision to end your auto lease early, you have to understand what that entails which is everything from preparing the car for return to the dealership to paying costly penalties and fees.  Most auto industry professionals and leasing experts will not hesitate to confess that auto leases weren't designed to be broken.  Nonetheless, many have also gone on record to state that almost any auto lease can be broken or terminated early—you just have to know your options and the correct way to have a successful and early termination.

 

Preparing  the  Vehicle  for  Return

Preparing the car for return will more than likely be the simplest, less expensive part of the early lease termination process.  This includes washing and detailing the car, ensuring all the routine maintenance has been properly taken care of is up to date.  Be sure to take photos of the vehicle after it has been detailed and be sure to take photos of the odometer, engine, and tire tread.  You want the car to look as good as it did when you first leased it.

 

Early  Lease-Ending  Options

There are several basic and most-common options for terminating your lease early which includes; returning the vehicle to the dealer, trade-in, payment take over, selling the vehicle, or buying the vehicle from the leasing company. 

v  Return to Dealer – Usually involves penalties and most expensive option. Some creditors view this as defaulting on a financial loan/responsibility and it can potentially have a negative effect on your credit report.

v  Trade-In – Lease new car from same dealer. Also expensive. Original penalties rollover into new lease which causes higher payments new lease/contract.

v  Payment Takeover – Find someone to take over your lease and payments.  This option can potentially backfire if the new party defaults on their obligation, the leasing company can hold you responsible.

v  Buy From Leasing Co. – Every lease has a ‘buyout’/’payout’ option.  The positive of this option is that it can be done at any point during the lease.  The drawback is; in many cases, current market trends are a factor, and you may pay more than the car’s value.

v  Sell Car – Use your payoff amount as price to sell car to a private owner.  This is an overall good option.  By selling the car, you avoid penalties/fees, and it’s a less expensive option, however, the higher your payoff is, the harder it is to find a buyer.

 

As with any contract-binding agreement that requires a financial obligation, it’s always a good practice to do a little research prior to beginning into an agreement – this is no different for ending your auto lease early.  It’s in your best interest to know what you’re getting into and to know what to expect throughout the process beforehand, so don’t be afraid to ask questions—not doing so could leave you with the short end of things.

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How  to  Establish A  Monthly  Budget

 

In today’s working class, which is practically every able-bodied adult, everyone wants to earn, save, or invest enough money to do more than simply, ‘get-by’, right?  The plague of this never-ending cycle otherwise known as ‘paying bills’, never seems to loosen its grip upon the people of the United States.  The U.S economy has stumbled since 2008, when the current recession began; making it more difficult for the working class to earn a living and provide for their families.  Statistics and reports have shown a steady increase in unemployment rates across the country, corporate downsizing, layoffs, and overseas outsourcing, and as of June 2014, the National Deficit was a reported $17.6 trillion dollars!

Despite popular belief, the U.S. has not recovered from the recession; little progress has been made to be quite honest.  Because of a dilapidated economy, many people have resorted to alternative means of supplementing their income, unfortunately, these means only places them farther into debt.  Reluctantly, many people chosen to ‘cash-out’ their 401Ks as an alternative source of income, sadly, this is only a temporary solution that consumes all retirement savings.  Others have taken out repeated payday and title loans, whose interest rates are astronomical as Wikipedia explains how a $100 14-day loan can have an interest rate anywhere from 391% to 3733%!  There are also heavy repercussions for defaulting on a payday or title loan; it can severely damage your credit, you can be legally sued in a court of law, and you could even lose your car.

With the economic status as defunct as it is, many working class Americans, the middle-class more specifically, have realized now, more than ever, the importance and necessity of budgeting and adapting to ‘get-by’ with ‘less’.  For some reason, the word ‘budget’ and/or ‘budgeting’, causing a lot of people to cringe.  Why?  Because when you budget, you have to place financial restrictions upon yourself, you have to differentiate ‘wants’ from ‘needs’, and you can no longer indulge or splurge on those wants—and the truth is, no one likes the thought of having to do that, and no one wants to do that.  So now the question is; how do you create a monthly budget?

Find  Motivation  to  Budget

Well, first of all, you start by getting yourself in the mindset of doing the things mentioned in the last paragraph.  Find a source of motivation; maybe you’re trying to buy a new house or car, or maybe you know your kids are depending on you to provide for them—whatever it is, find a reason to get and stay motivated and self-disciplined.  If you know why, you've decided to start budgeting, and if you have a specific goal as the end result, you’re more likely to see it through and be successful.

 

Why  A  Monthly  Budget?

The reason for budgeting on a monthly scale is because that’s how 90% or more of the working class operates, society itself actually; on a month-to-month basis.  Think about it; you pay bills monthly, your job pays twice per month, businesses calculate their annual profit and loss by monthly totals—this is simply the way America functions, we’re a ‘monthly’ country.  Therefore, you need to be able maintain month-to-month.

 

Set  Your  Goals

Although a goal can be a source of motivation, it is not the same as motivation.  Your motivation is your ‘driving-force’, so-to-speak, your ‘goal’, is what you’re actually working to accomplish and achieve by budgeting.  It’s a good practice to set long-term and short-term goals.  An example of a short-term goal would be buying that new car, or a late model used car, in one year.  Always remember you can modify your goals as needed, and you should always know ‘why’ you’re working towards a goal, and lastly, your goals are always priority.

 

Be  Aware  of  Your  Income

Before you can create a budget, you have to know how much money or income will be available to you each month.  The best way to get that amount is to base your budget upon your Net Income.  Your net income is essentially the amount of your paycheck after taxes and deductions.  Once you have that figure, you can then begin planning your budget.

 

Planning  Your  Budget

Split your net income between ‘fixed expenses’, such as a monthly car payment, and ‘variable expenses’ such as grocery shopping totals, which may vary.  Monitor these expenses to determine what adjustments can or should be made, and what works best for you.  It’s always a good idea to maintain some type of savings in cases of emergency.

 

Track,  Track,  &  Track

Always track your spending.  This can be a major headache, a migraine actually, but there are plenty of software programs to assist you in accomplishing this.  Most Android and iPhones even have apps that can help you as well.  And if all else fails, simply hold on to your receipts.

 

Customizing  Your  Budget

Budgeting doesn't have to viewed as a punishment, there are perks to it, afterall, it is ‘your’ budget, so tailor it to your measurements until it fits ‘you’, that is, unless you’re the husband, then ‘she’ sets the rules.  Keep in mind, you can only customize the ‘variable expenses’ portion of your budget—the ‘fixed expenses’ are labeled that for a reason.  An example is; maybe you cut back on dining out and going to the movies so you’ll have extra cash for the new HD flat screen TV—do what works best for you.

 

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Communicate With Your Creditors

 

Every working adult, or even every unemployed adult for that matter, knows there will always be bills to pay—there’s just no way around it.  Paying bills is a necessity in life.  In the today’s society, you simply cannot stay afloat if you fail to pay your bills.  Unfortunately, there’s a bill for absolutely everything; utilities, trash, water, sewer, taxes, groceries, cell phone, home phone, rent and mortgages, car payments, health insurance, life insurance, auto insurance, internet, car repairs, routine car maintenance, kids’ clothes and toys, baby food and supplies, doctor bills—the list just goes on and on.  If you’re a small business owner; your bills are doubled, tripled, and in some cases, quadrupled.

As mentioned in several previous articles, the U.S. is still being held within the grips of a recession and the economy is staggering and faltering.  The poor economic status has resulted in an increase of foreclosures, corporate downsizing and outsourcing, and higher unemployment rates across the country which has made it more difficult for the average family and middle-class, blue-collar workforce to pay even the most basic bills required to get by.

There are several, major reasons bills are not paid;

ü  Failure to Communicate With Creditors

ü  Lack of Income

ü  Failure to Prioritize

ü  Procrastination

ü  Intentional Neglect

Any one of the reasons listed above can singlehandedly result in unpaid bills, but in most cases, it’s usually a combination of several or more of them.  Did you notice the very first one? Failure to communicate with your creditors is the biggest reasons bills are not paid.  That’s what we’re going to discuss today—how and why you should communicate with your creditors, what are the pros and cons of communicating with your creditors?

 

Why  Communicate  With  Your  Creditors?

Have you ever had a past due bill and told yourself, “I don’t have the money, so no point in calling, I’ll just pay it when I have the money”—haven’t you told yourself that before? Or, at the very least, you know someone who says and does that.  Stop it!  That’s the worst thing you can do!  Always, always, always, communicate with your creditor!  Here are reasons to communicate with your creditors;

ü  You Show Responsibility – When you talk to your creditors regarding your past due bill, it tells them you’re aware of it, and you honestly want to resolve the matter. When they see this; creditors are more lenient and more inclined to make arrangements.

ü  New Options – In most cases, speaking with creditors regarding your past due bill will open a door of new options on resolving your pas due bill that ordinarily aren’t available to you if you fail to communicate.

ü  Cancelled Interruptions – Speaking to creditors and setting arrangements will surely cancel any scheduled service interruptions or non-payment disconnections, which usually carry additional fees upon re-connection.

ü  Reduced Balance – Many creditors are willing to reduce your payment amount and will accept partial payments to prevent service interruptions, but this will only happen if you speak and communicate with them.

ü  Extensions – Sometimes, you may just need a little more time to pay a bill; well creditors love it when you’re calling to simply ask for more time, and you’re not disputing the amount of the bill or its delinquency—9 of 10 times, you will be granted extra time.

 

Keep  Records

Alright, this one is simple and self-explanatory—keep records of your bill payments, usage, and conversations anytime you speak with your creditors.  This also shows you take responsibility and you’re fully aware of the status of your account and/or previous conversations regarding it.  The best way to keep records is thru ebilling; the process of having your bill sent to you by email—this eliminates stacks of paper mail, and you should also type the important details of your conversations; who you spoke to, their extension number, the department you spoke to, arrangement dates and amounts, confirmation numbers, payment methods (check, credit card, etc).

 

How  to  Communicate  With  Creditors

How you speak to your creditors when you do communicate with them is very important.  As a former 1st and 3rd party bill collector and Skip Tracer for over 10 years, I can tell you—DO NOT shout, yell, cuss, throw un-proved accusations and demand a manager or supervisor—that is the quickest way to NOT getting the help you need.

Call and speak to your creditors in a respectful, courteous, and firm tone.  Be honest about having a past due amount and what you’re capable of paying.  DO NOT give a ‘sob’ story—I promise you we’ve heard them all, and it will fall upon deaf ears.  Ask what are your options and how can you avoid service interruptions.

If you’re calling regarding a dispute—KNOW what you’re talking about—have your records in front of you, make sure you have a valid dispute, DO NOT become irate, politely ask for a manager or supervisor.

 

 

 

Know  Your  Rights

Sometimes when you communicate with creditors, the representative may be the aggressive person—especially commission-based, 3rd party bill collectors who often make illegal threats; you have to know your rights.  The best way to handle 3rd party bill collectors is to know the FDCPA and what the Mini-Miranda is.  Having knowledge of these two things will help you tremendously in dealing with aggressive 3rd party bill collectors; these laws state when and if a bill collector can call you at work, how often they can call, the consequences for a bill collector failing to recite the Mini-Miranda, what actual legal action a 3rd party collector may actually take, and the consequences for a 3rd party collector threatening action that they are legally unable to pursue.

Now, if you’ve truly paid attention to the paragraph above, you’ll notice something—the FDCPA and Mini-Miranda is only regarding 3rd party bill collectors; not 1st party, such as your local utility companies—again, you will just have to practice remaining calm, being respectful, professional, and yet firm. 

At Ride Now Motors we want to work with our customers to ensure that we understand the situations that life has presented to them. Please, always give us the chance to work with you and come to an understanding as to what we can all expect.

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