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Interest rates vary by industry. Home loans have interest rates between 2.5-5% or more. Many department stores offer introductory rates with zero interest for the first six months, up to several years. You'll find rates fall anywhere from zero up to 15% or more in the auto industry depending on whether you're buying new or used. So what qualifies as a reasonable interest rate on a used car? This simple question has a more complicated answer than you may have thought. Let's take a closer look at what interest rates are, how they get set, and how you qualify for the lowest possible rate. more What Is an Interest Rate? Image via Flickr by scootergenius02 Lenders define their interest rates as the amount charged a person to borrow money per period (usually a year) and calculated as a proportion of the total amount borrowed. Lenders express interest rates as a percentage of the entire loan. Over the life of a loan, the total amount of interest paid depends upon the total amount borrowed, the interest rate itself, the compounding frequency, and the length of the loan. In simpler terms, interest equates to the price you pay for the privilege of using someone else's money. You aren't always on the paying side. You may have a savings account or IRA that earns interest for you. That's the fee you earn from the bank for allowing them to hold your money. How Does an Interest Rate Work? A simple interest loan formula looks like this: Amount Borrowed x . So if you borrow $20,000 at an interest rate of 5% and a term of 5 years solving the formula looks like this: 20,000 x [1+(.05x5)} 20,000 x (1+.25) 20,000 x 1.25 = 25,000 Over the life of this loan example, you'll pay $5,000 in interest. Now, if you have an interest rate of 2.5% instead of 5%, the same loan will cost you $2,500 in interest. Now you can understand how impactful an interest rate can be to the cost of a loan. Annual Percentage Rate vs. Interest Rate? Annual percentage rates (APR) include fees associated with the loan. The inclusion of these fees raises the APR, only slightly in most cases than the actual base interest rate. APRs provide a way to measure the overall loan cost. In the auto industry, these fees can include sales tax, paperwork charges, and title costs. The formula to calculate the APR looks like this: Add the total interest paid over the life of the loan to the total fees. Divide that total by the amount borrowed. Divide that number by the number of days in the loan term. Now multiply this number by 365. Multiply the result by 100. Using the above 5% loan with $1,000 in fees the solve looks like this: 5,000 + 1,000 = 6,000 6,000 / 20,000 = .3.3 / 1,825 = .00016438.00016438 x 365 = .06.06 x 100 = 6 The APR for this loan comes to 6%, slightly higher than the actual interest rate of 5%. When shopping for loans, it's essential to look at both the interest rate and the APR. The APR gives you the total cost of your loan, including fees. What Affects My Interest Rate? Many things affect your interest rate, but the number one factor will always be your credit score. The better or higher your credit score, the better or the lower rate you will qualify for from the credit companies. Credit scores get separated into five categories: Super Prime, Prime, Non Prime, Sub Prime, and Deep Sub Prime. If you have a Super Prime credit score of 720 or higher, you will qualify for the best interest rates. Conversely, if you have a Deep Sub Prime credit score of 579 or lower, your interest rate will be much higher, or you might not even get approval for a loan. It's important to understand that when you see a loan rate advertised, that rate correlates to Super Prime credit scores. The length or term of the loan also impacts your interest rate. The shorter the term, the lower the rate becomes. How Can I Get a Better Interest Rate? The first step would be to check your credit report. You can get a free credit report every year, and if you don't already check this report, you should start now. Examine your report for discrepancies that happen more often than you might expect. You can take steps with the credit reporting agencies to correct these discrepancies and improve your credit score. Your debt to income ratio impacts your creditworthiness too. This ratio reflects the amount you owe versus the amount you earn annually. You might be better off waiting a year and paying down your debt before taking on a used car loan if you can. Paying your fees upfront rather than financing them will lower your APR. If you can, negotiate these fees down and pull them out of the loan to save money in the long run. Average Rates on New and Used Car Loans Interest rates fluctuate daily as a result of market influences in our economy. You should check the current rates with your bank or credit union, local car dealerships, and national credit institutions to get real-time rates when you're ready to purchase a vehicle. You can expect an interest rate as low as 2% on a new car loan and 3-5% on a used car loan from many lenders if you have a Super Prime credit score. These rates climb as your credit score drops, so keeping your credit score high will help you secure the best possible rate. Many car dealerships offer in-house financing, meaning the dealership loans you the money. This in-house financing allows them to write loans at whatever rates they choose, but you can expect them to stay close to market averages. Apply for Used Car Loans Online in Grand Forks At Rydell Outlet Center, we understand the need to stay within your budget. Our finance department are experts at identifying the best loans to fit your budget. We have relationships with local and national lenders that we leverage on your behalf. You'll always get a fair and honest price on a used car from us, and our comfortable loan process will have you approved without worry. We encourage you to take advantage of our convenient online pre-approval application. Or, contact us to speak with one of our finance experts to discuss the different options available to you.

Whether you prefer a fancy espresso drink or a good old-fashioned cup of Joe, there is something for everyone in the Mekinock area. Every coffee house listed below is within 30 minutes of Mekinock and is owned by North Dakota families. If you are looking for a great cup of coffee, check out these five coffee shops recommended by Rydell Outlet Center. more 1. Archives Coffee House Image via Flickr by Cheryl Foong. Archives Coffee House is a locally owned and operated shop dedicated to making every beverage special. All of the coffees on the menu are single-origin and responsibly sourced. Coffee lovers can choose from hot or cold coffees, flavored espresso drinks, lattes, cappuccinos, macchiatos, and mochas from the expansive menu. You can also fill your growler with Archives' homemade cold brew coffee that's perfect for sharing. Tea aficionados can choose from a wide array of black, green, white, and herbal teas. Non-caffeinated drinks include hot chocolate, Italian sodas, and fruit smoothies. In addition to their flavorful coffee, Archives has an impressive food menu. If you visit Archives for breakfast, you can enjoy one of the many breakfast sandwiches or baked treats. Baked goods include jumbo cookies, muffins, scones, cupcakes, and bagels. If you visit Archives, be sure to try the local favorite Dakota Harvest caramel roll. There are many vegan and gluten-free options available for those with special dietary requirements. Lunch options at Archives include sandwiches, homemade soups, and flatbread. On the weekend, you can enjoy Archives' weekend brunch menu of stuffed French toast, egg bakes, baked oatmeal, and breakfast sandwiches. Archives is a great place to enjoy a cup of coffee and meet your neighbors. The shop has a free library for patrons, monthly paint-and-sip events, and live music on Fridays from 3 p.m. to 5 p.m. You can dine inside or on the patio (weather permitting), or get your coffee to go. Freshly-roasted coffee beans, Smith teas, baked goods by the dozen, and Archives' signature baked oatmeal kit are also available for purchase in the store. You can visit Archives on University Avenue in Grand Forks. They are open weekdays from 7 a.m. to 5 p.m. and weekends from 11:30 a.m. to 3 p.m. 2. Darcy's Cafe Darcy's Cafe is known for its delicious freshly-brewed coffee, friendly faces, and just-like-grandma-made dishes. You can enjoy a piping hot cup of coffee served in one of Darcy's signature red mugs. Coffee refills are always free. Darcy's Cafe serves breakfast all day, with traditional breakfast dishes like brioche French toast, corned beef hash, omelets, cinnamon roll pancakes, and biscuits. If you stay for lunch, you can enjoy one of Darcy's burgers, sandwiches, soups, or salads. Make sure you leave room for a piece of Darcy's homemade pie, perfect with a cup of coffee. Darcy's is on North Washington Street in Grand Forks. It is open weekdays from 6:30 a.m. to 2 p.m. and on weekends from 7 a.m. to 1:30 p.m. Menu items are available for dine-in, or you can order by phone for easy curbside pickup. 3. Bully Brew Company Image via Flickr by Matt Brown. Named in honor of the owner's bulldogs, Bully Brew Company is a fun place to meet friends and enjoy a great cup of Joe. Bully Brew Company is committed to great coffee, delicious food, and top-notch service. They roast the beans in their own roastery, and all their bakery items are homemade. Coffee lovers can choose from several varieties of hot coffee or Bully's signature cold brew. Espresso drinks include Americanos, lattes, cappuccinos, and mochas. When you visit, be sure to check the Bully Brew Company chalkboard for special seasonal coffee drinks. Non-caffeinated drinks include fresh fruit smoothies, several flavors of tea, hot chocolate, steamers, and Italian sodas. For a special treat, try the local favorite "Blended Big Train," a frozen drink in your choice of chocolate, white chocolate, or chai tea. In addition to drinks, Bully's menu includes breakfast items, sandwiches, and baked goods. Freshly baked bagels, oatmeal, and breakfast scrambles are perfect first thing in the morning. At lunchtime, you can enjoy hot and cold bagel sandwiches. Fresh baked goods include caramel rolls, oat balls, and puppy chow snack mix. If you can't get enough of Bully's coffee, take home some ground, whole bean, or Bully K-cups to brew at home. Bully's signature Empower Blend coffee supports the nonprofit Women's Fund. Other local favorites include fireside spice, blueberry cream, Sumatra, and Indian monsoon coffees. Bully's Brew Company has two locations in Grand Forks. The South Washington Street location is drive-up only, and the Bully's on South Columbia Road offers both dine-in and takeout. Both locations are open weekdays from 7 a.m. to 4 p.m. and weekends from 8 a.m. to 4 p.m. Keep an eye out for Bully's Brew Coffee Roastery in Grand Forks. Opening soon, the Roastery will be home to coffee classes and tours. 4. Urban Stampede Urban Stampede is a funky little corner coffee shop in downtown Grand Forks that serves responsibly sourced, freshly roasted coffee. Coffee drinks include pour-overs, cold brew, drip, and air pot brewed. Espresso drinks including lattes, cappuccinos, Americanos, mochas, and the unique iced espresso tonic. Non-coffee drinks include several teas, chai lattes, sodas, and lemonade. Be sure to check their menu for seasonal drinks, such as the one-of-a-kind pistachio rose latte, made from espresso, oat milk, pistachios, and rose syrup. Pair your coffee with one of Urban Stampede's bagels, sweet breads, scones, muffins, or homemade scotcharoos. You can visit Urban Stampede on Kittson Avenue. They are open daily from 7 a.m. to 8 p.m. 5. Roadhouse Cafe Roadhouse Cafe serves hot coffee and breakfast 24 hours a day. Menu items include huge, fluffy buttermilk pancakes, cinnamon rolls, French toast, omelets, and egg platters. Later in the day, you can also enjoy Roadhouse Cafe's famous sandwiches, finger foods, or dinner platters. Roadhouse Cafe's coffee pairs perfectly with a homemade dessert. Fresh pies, carrot cake, chocolate cake, and several kinds of cookies are always available. You can enjoy Roadhouse's coffee by the cup, or you can fill your thermos to go. Roadhouse Cafe is on Gateway Drive in Grand Forks. Indoor dining and takeout are available. There you have it! These are our five favorite coffee shops around Mekinock. Help our local businesses grow by visiting them the next time you need a caffeine fix. Did we miss any great coffee shops? Let us know, and we will add them to our list!

You've completed your research, taken vehicles for test drives, and considered your financing options. You're ready to purchase a used car. Securing the vehicle's title, registering it in your name, getting the car inspected, and obtaining vehicle insurance are some of the many tasks you'll need to complete to make your new used car your own. more What Should You Do Immediately After Buying a Used Car? Image via Unsplash by whykei After purchasing your used car, you'll need to complete some paperwork to transfer the vehicle to you as the new owner. Bill of Sale You'll receive a bill of sale after you purchase the car. The bill of sale serves as a receipt for your purchase. It contains the names of the buyer and seller, purchase price, and applicable fees, taxes, as well as related terms. Keep this bill of sale with other vehicle records in a secure place at home. Insurance Before you drive your used car off the dealer's lot, you'll need to insure your vehicle. Obtain the car's VIN and send it to your insurer so that you have the correct coverage in place before you complete your vehicle's purchase. Many dealers will request to see proof of insurance before proceeding with a vehicle purchase. Securing an insurance plan for your car as early in the buying process as possible can promote a smooth sale and help you with budgeting your vehicle expenses. Talk with your insurer about your insurance coverage options. The following factors can contribute to the cost of your vehicle's insurance: The deductible. The type of vehicle you're purchasing. The vehicle's value. Your age. Your credit score. Your home location. Additionally, having a good driving record, owning a home, and owning multiple vehicles can help you qualify for vehicle insurance discounts. Drivers must carry minimum liability insurance with coverage up to $25,000 for each injury per accident. You can purchase optional insurance coverage, such as collision, comprehensive, protection against uninsured motorists, and medical payments. Consult with your insurer to determine the best coverage for your needs. If you're financing your used vehicle, your state may require you to hold liability, comprehensive, and collision coverage until you've paid off your vehicle loan. Temporary Tags Many dealerships will offer you temporary 30-day tags to cover the time between purchasing the vehicle and registering it with your state's department of motor vehicles. This temporary registration accompanies the vehicle's insurance and title documents. Place the temporary tags on your vehicle until you receive your permanent license plates. Title Transfer and Vehicle Registration When you buy a used car from a dealership, the dealer will assist you with the title transfer and vehicle registration. Before you register the car in your name, you'll need the following items: Proof of address. Proof of insurance. Several forms of ID. The vehicle title in your name. Vehicle emissions test and safety inspection. Consult your state's department of motor vehicles to confirm vehicle registration requirements and any applicable fees and taxes. After you receive your vehicle's registration information, place it inside your car, such as the glove box. Before you transfer the title, you'll need the following documents: Dealership invoice and bill of sale for the vehicle. The current title (if the vehicle has been previously owned and titled). The Manufacturer's Certificate of Origin (if the vehicle has not received a title). If you plan to finance your new car, the dealer and the lender will hold the vehicle's title until you pay off the loan. Once you've fully paid the loan on the vehicle, the title will be transferred to your name and mailed to you. Once you receive the title, keep it in a safe place in your home, not in your vehicle. If you're not financing, the dealer will handle the paperwork to transfer the car's title to your name. Should You Service Your Used Car After Purchasing It? When dealerships acquire used cars, they inspect the vehicles and address required maintenance items before placing them on their lots for sale. Upon purchasing your vehicle, you can request the dealer's service department to recheck the following items before you drive the vehicle off the lot: Air and oil filters. Brakes and brake pads. Condition of and proper inflation for the tires. Fluid levels in the engine. Regardless of the age of the vehicle you purchase, regular maintenance and servicing are necessary to keep your used car in the best operating condition possible. Create a schedule so that you can keep on top of regular vehicle maintenance tasks, such as oil and oil filter changes and tire rotations. Check with your state's department of motor vehicles to determine whether your vehicle requires annual overall maintenance checks and emissions inspections. Image via Pixabay by DokaRyan How Can You Get Familiar With Your Vehicle's Controls? Taking your car for a test drive at the dealership is one of the best ways to get familiar with a vehicle's controls and operations. Once you've purchased the vehicle and have brought it home, take some time to read the owner's manual. Inside the owner's manual, you'll find useful information such as your vehicle's ideal gas grade, proper tire pressure, the meanings behind various indicators on the dashboard, and important details related to your vehicle's manufacturer's warranty. In addition to reviewing the printed owner's manual, visit the vehicle manufacturer's website. Consult other reputable internet sources for information about your car and videos demonstrating your vehicle's features. Drive your new car around your neighborhood and your city so that you can explore these features for yourself when you're behind the wheel. Finally, don't forget to give your new vehicle a name. After all, it's now a member of your family. Buy Used Cars Online or In Person in Grand Forks If you're looking for a reliable used car in Grand Forks, North Dakota, visit Rydell Outlet Center. Our selection of used cars, trucks, and SUVs is tough to beat. We're dedicated to delivering the Rydell brand promises of low pricing, a no-pressure sales experience, competitive financing, dependable service, and full peace of mind for your purchase. Call us at 701-757-6140, contact us through our website, or visit our used vehicle showroom at 5500 Gateway Drive in Grand Forks.

Have you been wondering where to grab breakfast on your way to check out the exciting used cars at Rydell Outlet? Let's check out a few great places to get those warm blueberry pancakes, freshly squeezed orange juice, and a hot cup of coffee. more If you love hotcakes, waffles, sausage, bacon, cinnamon rolls, or hash browns, you'll be covered. Beautiful Fargo is a comfort food mecca, so you'll find no shortage of places to satisfy that pancake craving. Here are our top five places around town to tackle a towering, syrup-glazed stack. Kroll's Diner Photo by nikldn on Unsplash Just looking at the menu at Kroll's Diner can get your appetite going. With items for a quick lunch, a kids' menu, and a senior menu, it's a great place for you to stop by with the kids or the grandparents after selecting your used car. Highlights include a variety of German and North American dishes that are, "güd for the gut." Kroll's all-day breakfast menu features vegetarian dishes like a three-cheese omelet and grandma's French toast. For meat lovers, you can choose from a country-fried steak skillet, grandma Kroll's pancakes, or even black oak kielbasa. What makes Kroll's pancakes special is the different ways you can order them. We recommend the pigs in a blanket that comes in strawberry or banana with whipped cream, but the buttermilk pancakes are also classic. You can grab any item for carryout, and Kroll's offers a "Feed a Buncha Folks" menu for large groups featuring a BURGERFEST with five burgers, five fries, and five sodas, or you can go with the more authentic and German-style FLEISCHFEST which comes with four fleischkuecle, four mashed potatoes, four bowls of knoephla soup, and four sodas. Kroll's provides regulars with a VIP Club and is located in Fargo, close to the Rydell Outlet, making it easy for you to stop in to grab a quick bite to eat after you check out our new inventory. The Shack on Broadway Known for its delicious homemade buttermilk pancakes and three daily specials, you'll love stopping at The Shack on Broadway after going for a test drive in a used SUV or minivan. The restaurant offers affordable, tasty, home-cooked meals. With a $2 share plate charge, the family can try several meals together. Omelets are served with fresh hash browns and your choice of toast or pancakes. There are several flavor-packed omelets to choose from including a taco omelet and a hooligan omelet which has chili and jalapenos. You can customize the fresh buttermilk pancakes by choosing plain cakes, or add in blueberries or chocolate chips. The Shack on Broadway brings you pancakes as a single cake, short stack, or full stack, and it also offers waffles and French toast. The Shack on Broadway offers online ordering options for pickup or carryout and is located conveniently close to the Rydell Outlet. Randy's University Diner Whether you prefer a light breakfast, an omelet, pancakes, a skillet, or a slice of coffee cake, Randy's University Diner has you covered. The menu features a "hot from the griddle" section which offers a short stack of original-recipe pancakes with or without eggs made your way. Customers also choose from French toast, cinnamon roll French toast, and some great toppings: whipped cream, blueberry, strawberry, caramel pecan, chocolate chips, or bananas, making for a scrumptious morning meal. Other fun breakfast choices include the breakfast sandwich, a garden veggie omelet, and the "Lotsa Meat" skillet. You can use online ordering options at Randy's University Diner for either pickup or carryout, and Randy's is located just a few minutes away from the Rydell Outlet, so you can stop by right before you take home the vehicle of your dreams. Deaner's Diner At Deaner's Diner, breakfast is served all day! A menu just for kids lets your whole family enjoy the tasty breakfast and buttermilk pancakes. Some of the favorite menu items at Deaner's are the Hungry Man's Breakfast, the Little Deaner, and Della's Deluxe. A go-to for adults and children alike, the malted waffles are available with strawberries, blueberries, whipped cream, or warm cinnamon apples. The cute, home-style vibe diner has a funny menu with "I don't want that" and "I'm not hungry" under the kids' menu to appeal to parents' humorous side, while the charming vintage car drawings appeal to those who appreciate a classic American car along with their classic American meal. Deaner's is available for carryout or dine-in and is not far from the Rydell Outlet, making it an easy choice to be sure you're powered-up for a day of driving. Fryn' Pan Family Restaurant The Fryn' Pan Family Restaurant's meals are to die for, so it's no surprise that this is one of Fargo's finest breakfast joints. The hotcakes are always drizzled with syrup and whipped butter, while the French toast and caramel nut roll appeal to your sweet tooth. For the savory types, the chicken fried steak, country sausage skillet, and country biscuits 'n sausage gravy provide a tasty breakfast to indulge in. The Fryn' Pan has a VIP club for regular customers and the restaurant offers free Wi-Fi and senior discounts. Plus, it is open 24 hours a day and is located near the Rydell Outlet, so it's a perfect spot to enjoy a Saturday afternoon with the kids or your partner to discuss your next big automobile purchase. Fryn' Pan is available for delivery or takeout. Contact Rydell Outlet So, there it is, the top five places to find pancakes in West Fargo! Whether you're feeding the whole family or you're looking for the perfect spot for a romantic brunch outing, you'll find a plethora of tasty options in town. Take the time to try all five and let us know what your favorite pancake joint is. Enjoy your pancakes, hotcakes, or waffles, add some fruit, and add some whipped cream before you head over to Rydell Outlet to pick out an affordable used car – contact us today to learn more.

A CARFAX report provides the known history of any vehicle based on the 17-character Vehicle Identification Number (VIN). If you're in the market for a used car, a CARFAX report is a valuable source of information regarding a car's maintenance history, accidents, damage, use, and more. Read on to learn everything you need to know about CARFAX reports. more Information Covered by a CARFAX Report Image via Flickr by Crown Star Images. CARFAX reports provide a wealth of information about a vehicle that can help when deciding whether to buy it, including: 1. Accident Data A CARFAX includes all reported accidents involving the vehicle. The report also includes details such as the severity of the damage, damage location, repair records, air bag deployment, and structural damage. Collision repair shops, law enforcement agencies, insurance companies, and rental companies provide CARFAX with accident information. 2. Service History CARFAX reports include all recorded maintenance records. Service records usually include oil changes, tire rotations, brake replacement, transmission replacement, safety inspections, and any open recalls. Service history information comes from maintenance facilities, rental companies, inspection stations, extended warranty companies, and vehicle manufacturers. 3. Type of Use A vehicle's use history can tell you a lot about the amount of wear and tear on a car. A personal car has one owner. Rental, leased, or commercial vehicles are used by many people and usually have a lot more miles on the odometer. The CARFAX will also indicate if a car was a taxi or police vehicle. Rental companies, taxi companies, and law enforcement agencies provide information on a car's use history. 4. Ownership History A CARFAX report can tell you how many people have owned the car, where the car was used, and how long each owner held the car. Vehicle import/export companies and North American motor vehicle agencies provide ownership information. 5. Branded Titles Each CARFAX includes any title issues associated with a vehicle. This is perhaps the most important portion of the report, as title issues can indicate serious problems with a vehicle's mechanical systems, structural components, or legal status. Common branded titles include: Salvage title: A salvage title is issued to cars with damages that cost more than 75% of the car's value to repair. The percentage varies by state, but most states give a salvage title to cars that are not road-worthy and unable to be titled again in their state. Cars reported as stolen in the states of Arizona, Florida, Georgia, Illinois, Maryland, Minnesota, New Jersey, New Mexico, New York, Oklahoma, and Oregon also receive salvage titles. Junk title: A junk title is often used interchangeably with salvage titles; it indicates a damaged and unsound vehicle. Rebuilt/reconstructed title: A rebuilt title is given to salvaged vehicles that have been rebuilt and made operational again. Vehicles with a rebuilt or reconstructed title have often been severely damaged in collisions and rebuilt using refurbished parts. Cars with this title must be inspected before being considered road-worthy. Fire title: A fire branding is given to vehicles that have sustained major fire damage. Flood title: A flood brand is given to vehicles that have a history of flood or other major water damage. This branding can be found in vehicles nationwide, as flood-damaged cases often get transported across state borders for sale. Hail title: Vehicles that have sustained major hail damage receive this title brand. Texas and other states do not issue title brands for hail damage. Lemon aka manufacturer buyback title: A lemon title is given to any vehicle the manufacturer bought back because of extensive mechanical issues. A lemon is considered defective and unsafe to drive. Not actual mileage: This is a warning included in the title search when a seller certifies that the odometer reading is inaccurate. Inaccuracies occur when an odometer has been broken, replaced, or tampered with. Exceeds mechanical limits: This warning shows up on vehicles if the odometer rolls over. This can occur when a car with a five-digit odometer exceeds 99,999 miles. CARFAX gathers title branding information from many sources, including motor vehicle agencies, auto auctions, insurance companies, auto recyclers, vehicle manufacturers, and law enforcement. Limitations of CARFAX Reports Although they provide a wealth of information, CARFAX reports do have their limits. Not all states issue lemon titles, so a vehicle considered a lemon in one state will have a clear title in another. Although the average is 75% of a vehicle's value, each state is free to determine how much damage a car must sustain before it receives a salvage title. CARFAX reports only contain the information its sources provide. They might not include fender benders and unreported accidents in a car's history, for instance. It also takes time for information to show up on a CARFAX. For example, a CARFAX will not include information on a stolen car if the incident occurred within a week of the report date. If you're hoping to purchase a classic car, a CARFAX won't help you. CARFAX reports are unavailable for vehicles manufactured before 1981, the year the 17-character VIN system was standardized. Because of these limitations, a CARFAX report should not be the only source of information when looking at a used vehicle. As a rule, it is best to use CARFAX information along with a test drive and an inspection by a trusted, qualified mechanic at a dealership. How To Get a CARFAX Report Used vehicle sellers and many car dealerships offer free CARFAX reports for used cars on their lots. If you don't see a CARFAX for a car you're interested in purchasing, most dealerships will provide it upon request. If you're buying or selling a used vehicle in a private sale, you will need to purchase a CARFAX report yourself. You can purchase reports individually or get a package of reports if you want to compare multiple vehicles. Contact Rydell Outlet A CARFAX report can help reduce the stress of buying a used vehicle. If you are in the market for a quality used vehicle, visit us at Rydell Auto Outlet. Our friendly, knowledgeable staff can help you find the perfect car.

When you are purchasing a new or used car, you will need to determine whether you want to pay a down payment on the vehicle. Most people don't have the cash to purchase a vehicle outright and rely on auto loans to acquire the car. When you're taking out an auto loan, lenders may require you to make a down payment. If that's the case, you will need to determine how much money to put down. Let's take a look at what you need to know about this process. more What Is a Down Payment? A down payment is the amount of money you pay upfront when buying a vehicle. Some lenders require down payments while others don't, but you may want to consider putting money down regardless of the requirements. If you don't have the cash to put down, trading in your old vehicle is a form of a down payment as well. Your trade-in car's value will be subtracted from the total loan amount, just like a cash payment. Benefits of a Down Payment Putting money down on a vehicle has its benefits. When you fully finance a car, you will be paying the car's full cost with all of the added interest and typically end up owing more than the vehicle is worth. Putting money down helps to eliminate the financial strain by lowering your monthly payment, reducing interest, and keeping you ahead of the curve when it comes to the vehicle's value. In the long run, you will be in a better position to trade in or sell the car when you have made a down payment. Pay Less Interest A down payment reduces the total loan amount. In turn, this lowers the total interest you will pay over the life of the loan. If you are taking out a three-year loan on a $10,000 car with a 4.5% interest rate, you'll pay a total of $709 in interest. If you can put down 20% ($2,000), you will only have to pay a total of $567 in interest. Loan Approval Suppose you have a low credit score; paying a down payment can help you get approved for the loan you are seeking. Your credit score helps lenders weigh the risk they will be taking when giving you a loan. If you can't make a down payment, lenders have more to lose if you aren't able to make your payments, and they will have to repossess the vehicle. Pay Lower Monthly Payments Making a down payment can reduce the total loan amount and may lower your monthly payments in the process. Let's say you purchase a car without a down payment. With a three-year $10,000 loan at a 4.5% interest rate, your monthly payments would be $297 per month or more if you include the sales tax in the loan. When you make a down payment of $2,000 and borrow only $8,000 for the same vehicle with the same interest rate over three years, your monthly payment would drop to $238 per month. Offset Depreciation Used cars will lose an estimated 15% of their value per year. New vehicles depreciate faster by losing around 25% of their value per year. When you can afford to make a significant down payment, you can help offset the vehicle's depreciation and keep yourself from becoming upside down in a loan, where you owe more than what the car is worth. Since used cars lose value at a lower rate each year, they are often a better value than purchasing a new vehicle. Should You Pay a Down Payment? When a down payment isn't a requirement, should you put money down anyway? There's no simple answer to this question. If you have the money to spare or you're trading in your old car, the answer is yes. The answer is no when you need a vehicle but don't have the extra money or an old car with enough value to cover the down payment. If possible, you should always try to put money down upfront to help with interest and your monthly expenses. How To Calculate a Down Payment Some lenders will require a down payment regardless of your credit score or the cost of the vehicle. If this is the case, you will need to know the percentage the lender is asking you to put down. The more you can put down, the better, and it never hurts to have an old car to trade-in. Let's say you are financing a $10,000 car, and the lender is asking for a 10% down payment; you will need to put down $1,000 upfront. If you are trading in and your vehicle is worth $500, you will need to pay $500 cash. Auto down payment calculators such as the one found at Bankrate.com can help you run different scenarios when determining the ideal down payment for you. Look Over Your Finances Purchasing a vehicle is a significant investment regardless of its price. Take the time to look over your finances before you begin shopping for your next car. If you aren't already using a budget, you may want to implement one before adding a new monthly payment to your existing bills. A budget will help you allocate your income and give you an idea of the monthly payment you can afford. Organizing your finances into a budget will also help you determine how much you can afford as a down payment. Once you have these figures worked out, you will be ready to find and purchase a car. Purchasing a car can be intimidating, but being prepared for the process can help alleviate any pressure you feel regarding your budget and down payment. When you know how to calculate down payments and interest rates, you will have a better understanding of the auto loan process as a whole. Do your due diligence and research the value of the car you are interested in, reviews of the lender you are using, and how the purchase will impact your finances. Contact Rydell Outlet Have any questions about buying used cars in Grand Forks? We can help. Get in touch with Rydell Outlet to learn more about putting down payments on a car and anything related to used car finance.

Buying your first car is probably one of the most exciting things in your life, but it can also be daunting. After spending days or weeks looking for your ideal vehicle, you also need to find a good auto financing deal. Obtaining an auto loan can be complicated if you're a young car buyer with little or no credit history. However, it isn't impossible. Check out this comprehensive guide on how to finance your first car with no credit. more Why Your Credit History Matters to Auto Lenders Image via Flickr by focusonmore.com When you apply for auto financing, the lender wants to know whether you can repay your loan on time before approving your application. Your credit history is one of the main factors lenders consider when determining the amount of risk you pose to them. If you've never used credit or don't have sufficient history of consistent, on-time payments, a lender is likely to regard you as a high-risk borrower. As a result, you might have a hard time securing the financing you need, especially if you want to borrow a large amount. Even if you manage to get your loan application approved, be prepared to pay a high interest rate, which can significantly drive up your overall cost of car ownership. How to Get an Auto Loan With No Credit While it's more difficult to obtain financing without a credit history, you can do a number of things to increase your chances of getting your first auto loan approved, including: Make a Large Down Payment Making a large down payment shows you've worked hard to buy your first vehicle, meaning you're truly committed to the purchase. If you're unable to come up with a substantial down payment, most lenders won't trust you with a car loan and the responsibilities that come with it. The general rule of thumb is to make a 20% down payment for a new vehicle and 10% for a used one. If you have no credit rating, try to save up a down payment of 30% for a new car or 20% for a used car. Gather Documentation Other than your credit history, a lender will look at many other factors to see if you can afford to make your monthly loan payments and eventually repay your debt. You may be able to convince your lender that you aren't a risky borrower by providing the following documents: A copy of your bank statement. Recurring bills such as phone and utility bills. Proof of employment, such as pay stubs. It's important to have at least these three types of documentation. If you have other documents that can serve as proof of income, submit them with your application, as well. The purpose of presenting these documents to the lender is to prove that you have a steady source of income and a good track record of making payments. The longer you've worked for a single employer, the more likely you are to get your loan approved. It shows the lender you're capable of holding a job for a long time. In addition, it might be worthwhile to try using an alternative credit-scoring model such as FICO XD or Experian Boost. With this credit-scoring method, you'll be assigned an alternative credit score based on your online checking account records, including your rent and utility payments. If you've been responsible with your bills, you'll most likely receive a good score, which can help you impress a lender. However, you must meet certain requirements if you plan to use Experian Boost, including signing up for online banking and choosing a lender that uses Experian data for underwriting. Seek Help From Family and Friends You might also want to consider asking for help from a family member, relative, or friend. If they can lend you the full amount you need to purchase your first vehicle, it'll save you a lot of trouble and probably a substantial amount of money. However, first lay out a solid repayment plan, and work with a legal advisor to prevent the situation from getting messy in the future. You need to at least set an interest rate and a time frame for repayment, create an amortization schedule, and try your best to make payments on time. If your family or friends cannot give you a loan, you can ask them if they're willing to become a co-signer. A co-signer is someone who allows you to use their good credit history to obtain an auto loan. This individual has to sign a promissory note that obligates them to assume liability for your debt. You'll still receive monthly bills from the lender, but you can hurt your co-signer's credit score with a missed or late payment. Also, your family member or friend will be fully responsible for your car loan if you default. Consider Dealer Financing Auto dealerships that have been in business for a long time might be able to help you secure auto financing with no credit because they've established solid relationships with many lenders over the years. Instead of approaching banks and credit unions yourself and getting denied over and over again, you can save time and effort by going to a dealership. An auto dealership with a well-connected finance center can make special arrangements with lenders to get your loan approved. Nonetheless, your chances of being accepted still largely depend on your financial situation, job history, and other factors. Then again, a dealership is more willing to go the extra mile to help you secure financing as a way to provide a great overall car shopping experience. Secure a Low-Credit Auto Loan at Rydell Outlet in Grand Forks Getting auto financing with no credit is usually a one-time problem, because you'll establish a credit history if you succeed in securing that first car loan. If you're having trouble finding a lender in Grand Forks, North Dakota, that offers auto loans with no credit, get in touch with the finance experts at Rydell Outlet Center. Contact us today to find out about our financing solutions.

Park River, North Dakota, is a small town in northeast North Dakota that's full of beautiful parks, recreation spots, and quaint places to eat and shop. About an hour from Grand Forks, this is a great place to visit during the summer for a small getaway alone or with family. Here are some reasons to add Park River to your list of weekend getaway spots. more Homme Dam Recreation Area Image via Flickr by mypubliclands As you plan your summer getaway to Park River, be sure to include the Homme Dam Recreation Area. During the warm summer months, this play is perfect for outdoor fun, adventure, and relaxation, whatever your cup of tea. The area is open from May through November for camping, hiking, fishing, swimming, and much more. Campsites are available for $15 to $35 per night depending on the type you choose (no electric, with electric, and with electric and water are all available). You can also rent campsites by the month for a longer time to enjoy the area. Get out on the water in a kayak or paddle boat and explore the peaceful Homme Lake and South Branch Park River for only $10 per hour for the first three hours and an additional $5 per hour after that. Relax on the beach or get in the water at the swimming area or cast a line at the nearby fishing pier. Homme Dam Recreation Area also offers hot showers, a playground, picnic areas, a bike and walking path, and volleyball courts. Campsite reservations and more information are available on the Homme Dam website. Hillcrest Golf Club Hillcrest Golf Club offers a par 35, nine-hole regulation golf course that features 2,500 yards of golf. You can visit their website or call to check on tee times and fees. It's always a good idea to check in before your visit to make sure there's a spot available for you and your crew to enjoy a game. The course is open daily and memberships are available for frequent visitors. Stop by the snack shop or the bar after some time out on the green and enjoy something yummy. Don't forget to visit the pro shop before you leave. Lyric Theatre Built and in 1915, Lyric Theatre is a charming old movie theater on Briggs Avenue South in Park River. If you're visiting the town during the summer, you might come across a rainy day or an evening with no plans. Catch a movie at Lyric Theatre and enjoy yummy snacks, deals on candy and popcorn, and a charming atmosphere. Keep up with Lyric Theatre's social media accounts to see which movies are showing and available specials on food. You can even get pick-up popcorn to enjoy back at the campsite or motel during your stay. Grab a box to go after your movie and take a stroll along Briggs Avenue. There are lots of local places to grab a late bite to eat, shop, and just enjoy the small-town culture on this street. Hahn's Bakery Another great spot on Briggs Avenue, Hahn's Bakery, previously known as Welch's Bakery, serves up fresh pastries and pizza. Just a few doors down from the theater, this is a good place to grab something tasty before or after a movie. Try some of their made-from-scratch baked goods whether you're craving something sweet or savory. Locals love the crunch donuts and the garlic herb rolls. Everything is made fresh, so their offerings are always changing but always mouth-watering. Alexander House Motel If you'd rather stay in a motel than camp at the Homme Dam Recreation Area, consider the Alexander House Motel. Right in the heart of Park River, this motel is a favorite local spot for a great steak and good drinks. You'll find affordable rooms for rent, an on-site bar, and a welcoming steakhouse restaurant when you visit the Alexander House Motel. Enjoy a relaxing dinner when you choose from their menu loaded with tempting options like eight different steak dishes including a whiskey-marinated sirloin, fried shrimp, and Chicken Kiev. If you have kids along for the visit, the Alexander House Motel restaurant has options like chicken nuggets, mini corn dogs, and grilled cheese. Gramma Jo's Kitchen No matter where you decide to stay in Park River, you're going to need a good breakfast and lunch spot. Gramma Jo's Kitchen is a must for all visitors in the area. Known for its great service and hometown cooking, this small restaurant offers up plenty of traditional American plates like loaded burgers with fried onion rings, Philly cheesesteak sandwiches, and a chicken strip salad. Come by for hot coffee, fresh baked goods, and hash browns for breakfast. Start your day with fried eggs, toast, and ham, or keep it light healthy with a bran muffin. You can't stop at a local, small-town diner such as Gramma Jo's Kitchen without grabbing a slice of pie. They offer freshly-made apple, pumpkin, blueberry, and strawberry-rhubarb. Ardoch Wildlife Refuge Just outside of Park River, along Route 81 near the town of Warsaw, the Ardoch Wildlife Refuge is also worth checking out during your summer visit to Park City. This would be a good place to stop on the way to or from Park City from Grand Forks, since it's along the route. Walk through the refuge or fish in one of the designated areas. Head out onto Lake Ardoch for a peaceful time on the water and you might even catch a few. Keep the rules and regulations for fishing in wildlife refuges during your visit. Contact Rydell Outlet So, there you have it, Rydell Outlet Center's list of reasons to visit Park River in the summer. Contact us to let us know if we missed a major area attraction and maybe we'll have to add it to the list. Plan a time to take your family, friends, or someone special up to this peaceful, quaint town for a little summer getaway. You're sure to make some great memories and have a relaxing time.

Moorhead, Minnesota, just outside of Fargo, North Dakota, is a great place to experience the arts and culture of the Midwest. Several museums, tourist attractions, and historical landmarks are right in town or just a short drive away. Here are five arts and culture spots worth experiencing in Moorhead. more Image via Flickr by Fargo-Moorhead CVB Rourke Art Gallery and Museum The Rourke Art Gallery opened back in the 1960s and quickly became a cultural staple of the area. Two brothers started the gallery with the goal of bringing local art to the people of Fargo and creating a space for cultural growth and support for artists. Today, the Rourke Gallery is one of the top venues for art sales in the upper Midwest. The museum grew over the years as it acquired more and more works to add to a permanent collection thanks to the collecting of James Tiernan O'Rourke, the founding director. Visitors can browse an impressive and exciting collection of 20th and 21st century works from world-renowned artists as well as pieces from many local artists. Even the museum itself is a piece of Midwest culture as it is housed in the Moorhead Federal Post Office, which was built in 1913. The Rourke Art Gallery and Museum is open on Fridays, Saturdays, and Sundays by appointment only from 1 p.m. until 5 p.m. Admission is free, and you can easily make an appointment online. Take your time touring the museum to make sure you see works from famous local artists including Cyrus M. Running, Charles Beck, Robert A. Nelson, and many more. Hjemkomst Center Learn about ancient Viking history with a trip to the Hjemkomst Center. At the center, you'll find the famous Hjemkomst Viking ship and the Hopperstad Stave Church. This ship was built in 1971 as a replica of the Gokstad burial ship, a well-known ship in Norwegian folklore. In the late 1880s, many settlers of Nordic and German descent came to live in the Moorhead area, bringing their Viking legends and culture with them. The Hopperstad Stave church is another interesting part of this early Moorhead history. Another homage to Viking culture, this church is a full-scale replica of the Hopperstad Church in Vik, Norway. Built during the late 1990s, the Hopperstad Stave Church of Moorhead is now run by Clay County's Historical and Cultural Society. Visit the Hjemkomst Center any day of the week from noon until 5 p.m. and tour the museum, ship, and church. Adults are $10 per person and children are $8, but if you join as a member of the Clay County Historical and Cultural Society, you'll enjoy free admission. Keep an eye out for fun events and festivals held at the center throughout each year. Don't miss the Scandinavian Hjemkomst & Midwest Viking Festival held during the last weekend in June each summer. Check the Hjemhomst website for more information. Bluestem Amphitheatre The Bluestem Amphitheatre offers more than awesome entertainment, it's simply a beautiful place to experience. A huge outdoor stage, this concert venue is located along the Red River surrounded by meadows, forests, and wildlife. Visitors can enjoy various cultural experiences at the Bluetstem Amphitheatre including activities and exhibitions from local schools, community festivals, and public performances. Popular past events include concerts by Tony Bennet, The Shins, Joan Jett, The Avett Brothers, and many more. Regular events include performances by rock and country music artists, food festivals, and dance and theater performances by Trollwood Performing Arts School students. Scheduling and admissions depend on the event you're hoping to attend. Check the venue's website to see information about upcoming events. Comstock House An 11-room beautiful Victorian house from 1883 has been restored to its original appearance and welcomes visitors for tours and schools for field trips. The breathtaking details of the interior are sure to leave an impression. You can even see many of the original belongings and furnishings from the Comstock family as you tour the rooms. Solomon G. Comstock and his family are an important part of Moorhead history and culture. Comstock served as the town's lawyer for many years as well as four terms as a state representative, one term in the House of Representatives, and one term as a state senator. He also supported education in the area by helping to build multiple schools, and his wife helped build the local library. Tours are currently available for groups of six or more and school trips by appointment. Admission costs $7 per person for adults and $5 for kids. Booking and contact information is available on the Minnesota Historical Society's website. Keep an eye out for special events to experience the Comstock House and grounds in a unique way. Past events include outdoor games, socials, holiday celebrations, and arts and crafts classes. Plains Art Museum Located in downtown Fargo in a turn-of-the-century warehouse, the Plains Art Museum, is the perfect place to support and experience art in the area. Whether you want to tour the museum collection or want to try your own hand at creating works of art, there are plenty of opportunities to enjoy. Start your visit by walking around the outside of the building to see the beautiful public art and gardens free of charge. Inside the museum, you'll find collections of traditional African art, Contemporary works, Modernist and Postmodernist art, and Native American pieces from throughout history. The Plains Art Museum is open every day except Sundays. Visit between 11 a.m. and 5 p.m. during the week and 10 a.m. until 5 p.m. on Saturdays, and admission is free. If you're interested in joining an art class, check out their list of classes for adults, kids, and families online. Contact Rydell Outlet Next time you're looking for a fun and interesting way to enjoy the day, check out these attractions in Moorhead and the surrounding areas, recommended by Rydell Outlet Center. If you've already visited any of these local places, let us know what you thought. Feel free to let us know if we missed one of your favorite Moorhead attractions for experiencing arts and culture. We might even update our list!

If you have bad credit, financing a used car is still possible. The most important aspect of getting a car loan with bad credit is researching your options to find a loan that best meets your needs, regardless of your credit score. Here are a few tips to help you finance a car even with a low credit score. more Shop Used Cars Shop Used SUVs Shop Used Trucks Check Your Credit Score Image by Credit Commerce from Pixabay Before you shop for an auto loan, check your credit score. If your score falls at or below 580, it is considered poor. Your credit score takes into account the amount you owe, the length of your credit history, and your payment history. Consistently spending more than your available monthly credit, not making payments on time, and having a short credit history can all affect your credit score negatively. To improve your credit score, pay off any late or missed payments or delinquent accounts. Also, reduce your debt as much as possible. This puts you in a better financial position when you apply for a car loan and improves your credit utilization ratio — this refers to the ratio of your credit card balances to your credit limits. Financial institutions recommend keeping your utilization ratio below 30% or, for the best scores, under 10%. Save for a Down Payment If you have a poor credit score, making a down payment on a used car can increase your chances of getting approved for a car loan. It can also offset higher interest rates due to a poor credit score and can reduce your loan-to-value ratio, which can help you get better terms. Know What You Can Afford Before you apply for an auto loan, find out what monthly loan payment you can afford, as this can help you choose a car in your price range. Also, research what annual percentage rates (APRs) — the total amount of interest you pay each year — are common among car lending institutions. With a poor credit score, you will likely receive a high rate. Research Car Lenders If you have had trouble getting approved for a car loan from traditional lending companies, look for lenders that focus only on helping borrowers with poor credit scores. While these lenders usually offer loans at higher interest rates, they can help people with low credit scores who need to get a vehicle in a pinch. Consider Having a Co-Signer Another way to increase your chances of getting approved for an auto loan is by having a co-signer. When a co-signer applies for an auto loan with you, they're essentially telling the lending institution that if you don't repay your debt, they will. Because the lending company has someone else to go to if you fail to repay your loan, there's less risk involved and you are more likely to be approved. With less risk, the lending company might also offer you a lower interest rate. Keep in mind, however, that this new debt appears on both your and your co-signer's credit reports. This means any late or missed payments could affect both your scores negatively. Pre-Qualify With Lending Institutions Pre-qualification allows you to determine if you will qualify for an auto loan before you apply. With pre-qualification, you can save a lot of time in applications and avoid multiple hard credit checks that can negatively affect your credit score. If you already have poor credit, it's always worth pre-qualifying with a few lending institutions to compare the terms and rates you qualify for. Be Sure the Loan Terms Are Final If you finance a car through a dealership, make sure the terms are final before you agree and sign the paperwork. If you don't, you could face increased down payments or higher monthly payments in the future. It's known as a "yo-yo" scam, in which dealerships tell you their financing isn't complete and you must accept a higher interest rate. Consider a Buy-Here-Pay-Here Car Dealership A buy-here-pay-here dealership not only sells cars but also acts as the bank by providing in-house financing. The decision to approve the car loan application is made by the same company that is making a profit from the car sale, so they are usually more flexible in providing financing to people who have poor credit scores. Although this type of car financing might be good for people with poor credit who need an auto loan quickly, its interest rates are usually much higher than other lending institutions. Also, if you miss payments, the chance of the vehicle being repossessed is higher. Look for a Second-Chance Car Loan A second-chance car loan gives people with poor credit a second chance. If you have been rejected for a traditional auto loan, a second-chance lending company will try to give you finance options you're almost guaranteed to get approved for. Although a second-chance car loan is a good option for people with poor credit, it also has certain red flags that reduce its appeal, such as higher fees and interest rates. Check With a Credit Union Credit unions are known to offer car financing with low-interest rates and good terms. They are also known for working with people who have bad credit. Before you head to a car dealership, check with a credit union to see if you can get a preapproval for a car loan. You can start with the one that's associated with your employer or a professional association to which you belong. Keep in mind, however, that your location, employer, or other organizations you're affiliated with can restrict your membership to certain credit unions. If you're not sure if you're eligible for a membership to a particular credit union, reach out and ask for information about its requirements. Contact Rydell Outlet in Grand Forks If you are looking for a car dealership in Grand Forks, North Dakota, look no further than Rydell Outlet Center. We can help you find a used car that best fits your lifestyle and personality. Don't hesitate to call us at 701-757-6140 or contact us online with any questions you have. Our representatives are happy to help — we're looking forward to seeing you soon!

Going off to college means you'll get a chance to experience all kinds of exciting things  — like buying your first car. Of course, not everyone needs a car while away at school, but if you plan on working or catching a Fighting Hawks game over at the University of North Dakota, you'll want a good set of wheels. Making sure you pick the right car for your needs can be a bit of a challenge. Choosing the best car for a teenager vs buying a car for a college student can differ. That's why we at Rydell Outlet Center created this comprehensive list of great cars for college-aged buyers that will help you find your perfect set of wheels. more Acura TSX Image via Flickr by Ivan Radic If you want to get all the perks like heated leather seats, touch-screen controls, and Bluetooth, you probably have your eye on luxury cars. Unfortunately, those types of vehicles tend to cost more to run, which can put an unwanted dent in your wallet. The Acura TSX, however, defies these conventions. The TSX is a gorgeous luxury sedan that comes complete with not only the aforementioned features but also a boatload of extra perks. A used Acura TSX can easily beat out its competition, as it is the perfect luxury sedan for a college student on a budget. Depending on the condition of the particular car you're interested in, a used Acura TSX can sell for anywhere from $6,500 to $15,500. In addition to its stellar reputation for reliability, it is fuel-efficient and has plenty of room for you to stash your gear when you need to pack up at the end of the semester. Mazda3 If you're looking for a sharply styled and top-rated compact car for your first vehicle, you'll want to check out the Mazda3. Cost-effective and reliable, a used Mazda3 can also help keep your insurance costs down. Used vehicles tend to incur lower monthly premiums from insurance companies, but you'll still want to maintain a good driving record to ensure even more savings. A used Mazda3 can range in price from $4,000 to $15,000. Its excellent pricing isn't the only thing the Mazda3 has going for it. The excellent quality of the cabin and other features like xenon headlights really make this car stand out from the pack. You'll feel like you're on top of the world when you slide into the Mazda3's heated seats, too. Toyota Prius You won't have to feel guilty when you take some time off from studying and go visit friends over at the University of Mary, especially when you're driving a Toyota Prius. This vehicle is not only eco-friendly but also budget-friendly, since it provides excellent gas mileage. Depending on the generation of Toyota Prius you're interested in buying, you could score an EPA-estimated 46 miles per gallon combined. The Prius is also known for its smooth ride and reliability. While it is a compact car, you won't have to worry about storage when you travel home for the holidays. The cargo area is large enough for you to fit your suitcases with ease before heading out on the road. While there is very little to tarnish the Prius' excellent reputation, you will need to bear in mind that someday its battery pack will need to be replaced. Jeep Wrangler The Jeep Wrangler is not only fun to drive, it's also a great choice if you need to get away into nature to escape from studying or for going off to see the John D. Odegard School of Aerospace Sciences. In addition to looking good on the road, the Wrangler has plenty of storage space for you to pack up all your clothes and gear at the end of the semester. You can score an older Jeep Wrangler that's in decent condition for about $2,000, or you can splurge for a newer model at about $35,000 with all the top trims available. Honda CR-V If you want a compact SUV that can provide you not only ample storage space but also all-wheel drive for bad weather conditions, the Honda CR-V may be the vehicle for you. You'll feel secure no matter the weather because the CR-V has quite an impressive array of safety features, like automatic high-beam headlights and adaptive cruise control. It even comes with lane-departure warning. Fans of the outdoors will love the CR-V, as it comes with a built-in picnic table in the cargo floor area. Even better, the area below the combo floor and table can double as a cooler since it can be drained and is watertight. The Honda CR-V is also a great car if you are looking for a long-term investment, as these vehicles tend to retain their value. It's not shocking to see a well-maintained CR-V go on the market with an asking price of $10,000 or more. Hyundai Elantra The Hyundai Elantra is another excellent choice for students on a budget who want a reliable used vehicle. Not only do these sedans come with a great warranty, but they also have quite a reasonable price tag for the overall high quality. Power and strength surge through the Elantra's engine, making it a fun car to drive, and it also has an impressive gas mileage. Additionally, newer models of the Hyundai Elantra come loaded with tech like remote keyless entry and LCD monitors. The elegant Hyundai Elantra also boasts great safety features, like lane keeping assist, a blind spot sensor, and even a back-up camera. Contact Rydell Outlet in Grand Forks All in all, you will want to consider your needs and find a car that best meets them. Of course, no matter what its primary function is going to be, you'll need to make sure that your chosen car and the insurance for it will fit within your budget, and that the car will last as long as you need. We at Rydell Outlet Center hope this list has helped narrow down exactly what type of vehicle is the best fit for you. If you still have questions, drop us a line, call us, or stop by and see us. We look forward to helping you.

Buying your first car is an exciting moment for every driver. However, choosing the right car is a big decision that can be overwhelming due to the huge range of car types and financing options you can opt for. This article will help you out as a first-time buyer by highlighting some of the most important things to think about when making your decision. more Set a Budget Image via Pixabay by beejees Unless you have substantial savings, you'll likely need to take a financing option when buying your first car. Financing might be less necessary if you opt for a low-cost used vehicle with high mileage, but either way, the key thing here is setting a realistic budget. You don't want to get locked into a contract for monthly payments that you can't afford to keep up with. Similarly, you probably don't want to spend all of your hard-earned savings on a car. When setting a budget, you'll also want to think about what your credit score is. If you have a poor credit score or if you've rarely purchased anything on credit, you'll likely have to pay higher interest rates. Your options with a bad credit score are to postpone your purchase and improve your credit score in the meantime or pay with cash. If you take the cash option, you're limited by how much savings you have, which may mean affording only a used vehicle with high mileage that you'll need to replace after a couple of years. If you try to improve your credit score, focus on paying bills on time and paying down debt. Clarify Your Needs There are several classes of car worth considering as a first-time buyer. The most important thing is to buy the type of vehicle that best matches your needs. This is partly a judgment call, but you can also narrow down your choices relatively easily by understanding the main three broad categories of vehicles. Sedan — the stereotypical image of the classic car with four doors; suitable for single people, couples, and small families who want a solid day-to-day vehicle. Variations that serve a similar function are the coupe and the hatchback. SUV — a roomier class of motor vehicle with higher ground clearance; suitable for large families who need plenty of legroom and cargo space. The crossover SUV and compact crossover SUV are variations on the design but with the same fundamental idea. Pickup — a light-duty truck with an enclosed cab and open bay area for cargo. A great choice for tradespeople and anyone else who needs to transport equipment in their vehicle in order to make a living. New vs. Used The decision to buy a new or used car mostly depends on your budget. However, there are other factors to think about, too. Choosing a used vehicle means you save money, but it also calls for more research. If you don't know what to look for in your research, you might end up with a vehicle that has too much mileage, or worse still, a vehicle that doesn't even function properly. New vehicles help you avoid headaches about the car's potential condition, but buying new means committing to higher monthly payments for a longer term. Research Potential Purchases Regardless of whether you buy new or used, you still need to research the model you plan to buy. First-time car buyers can find a wealth of information online about different car models. Many websites give in-depth model reviews covering important points such as power, performance, cargo room, style, and more. It's also a good idea to seek out reviews of the models you're considering that were written by actual buyers because they'll give you a broader range of opinions on whether the car is suitable for your needs. Try to build a list of up to five vehicles that meet your needs and have good reviews. From there, you can choose your purchase based on personal preferences or gut instinct. The point is that the list of five cars you compile is based on proper research, so whatever model you opt for is likely to make you happy. Take a Test Drive A good option, particularly when buying a brand new car, is to take it out for a test drive. While reading reviews and doing other research can give you a good idea of cars that you'll like, the truth is you don't know what a car's driving experience feels like until you physically get behind the wheel. There could be things that irritate you about a vehicle that the reviews might have missed. Taking the car for a test drive first ensures you don't need to commit to buying something you'll dislike driving. Most dealerships let you test drive new and used cars before buying them. Read Through the Contract Having made a budget, decided upon a class of vehicle that meets your needs, and taken your chosen vehicle for a test drive, it's time to sign the contract. It's advisable to exercise caution when entering into any contract, which means at the very least thoroughly reading through the contract before signing it. Look out for any extra fees that you're unclear about and ask the seller about those fees. Find a Used Car for You in Grand Forks Equipping yourself with this knowledge about buying your first car should enable you to enter the market with confidence that you'll make the best purchasing decision. Contact us online, give us a call at 1-701-757-6140, or click the red chat circle to speak with an expert today.