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Our Customer Reviews
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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
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Aaron Mcpherson
- Chicago
2004 Ford F150 Supercrew cab
05/13/2014
Excellent customer service! They made the process very easy and stress free. Thanks!
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Johnathan Kitchen
- Matthews
2003 mitsubishi Lancer
05/13/2014
My experience at Ride Now Motors was amazing. I was approached with friendly customer service and Tim O. was an outstanding help, he helped me with all my problems and any questions or concerns that I had. The enviroment was friendly as well, everyone had smiles on their faces. I am greatful to Ride Now Motors for everything they have done for me and encourge anyone wanting to buy a car to shop at Ride Now Motors first. Thanks !!
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Lisa Brown
- Charlotte
2011 Nissan Altima
05/13/2014
My experience was fantastic. I came in to look around and found a nice car. Donny got me pre-approved to test drive the car. Original I was going to have to make the down payment in two parts. When I came in with the bulk of the down payment and left,Donny called me back in about 30 minutes saying "Come get your car girl". I couldn't believe it. Not only was I able to get my car but Eddie also dropped the cost of the car. This place is "da bomb!!!"
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Zykeista White
- Charlotte
2008 Saturn Aura
05/13/2014
my second some time buying a car from them and i absolutely LOVE them. very great customer service and will help get you inside a car ! Come see Tony or Natasha.
Ride Now Motors
6353 E. Independence Blvd. Charlotte, NC 28212
(855) 314-7573
HOURS:
Weekdays: 9am - 7pm
Saturday: 10am - 6pm
Sunday: Closed
Ride Now Motors
5104 Hwy 74 West Monroe, NC 28110
(855) 314-8490
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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Buy Here, Pay Here Dealers Matter

 

How many times have you driven past a ‘Buy Here, Pay Here’ car dealer and thought to yourself, “yeah right?”  Probably quite a few times, huh!?  Well, there’s an old saying; “Don’t knock it before you try it”—heard that one, right?  Within the last 5 years, Buy Here, Pay Here dealers have become the “go-to” source for used car shoppers.  Due to a growing clientele, BHPH auto dealers have also experienced a significant rise in profits.  A majority of the car-buying population and experts believe BHPH dealers and lots are ‘rip-offs’ and an abomination to the automotive sales industry due to the lack of quality vehicles, high interest rates, and bi-weekly payments.  Despite popular belief, Buy Here, Pay Here dealers can actually be quite beneficial, so before we ‘knock-it’, let’s take a look at why we should ‘try-it’.

 

Aids  Credit-and-Financially-Challenged  Consumers

Perhaps the biggest reason Buy Here, Pay Here dealerships are experiencing a growth spurt is because they go above and beyond to cater to the ‘challenged’ consumer.  BHPH dealers exclusively target the credit-challenged and financially-challenged consumer market.  These are the consumers with ‘less-than-perfect-credit’ for whatever reasons; maybe they have a withstanding repo or below-average credit score.  These consumers are usually the 9-to-5ers that work and live paycheck-to-paycheck, desperately fighting to stay afloat, and trying to stretch every hard-earned dollar as far as they could.  By the time these consumers find their way to a Buy Here, Pay Here dealer; they’ve already been declined, denied, laughed-at, and shooed away by the big-name dealers, and often feel that they’re out of options or that no one can or will help them.  BHPH dealers openly welcome these consumers, and in most cases, are able to find a dependable used car for the buyer.

 

 

Lower  Down  Payments

Another great reason for choosing to purchase a car from a Buy Here, Pay Here dealer is that they typically have lower down payments, which allows you, the consumer, to get into your new, used car just a little bit faster.  The average, or major car dealership usually requires a minimum of $1500 or more as a down payment—sometimes this is even with a ‘trade-in’.  The average BHPH dealer only requires approximately $500 to $1000; with the $1000 requirement only necessary in rare cases.  Many BHPH will even ‘hold’ a car for you with only a $100 security deposit, which can later be applied towards your $500 down payment—not bad, huh!?

 

In-House  Financing  &  Payments

Now, this is the reason Buy Here, Pay Here dealers are called, ‘Buy Here, Pay Here’, and perhaps the primary reason for their increasing clientele.  Unlike the major auto dealers; Chevy, Toyota, Ford, GMC; just to name a few, BHPH dealers have their own, on-site financing department and doesn’t require mediation with a 3rd-Party lender.  This enables them to make their own terms which cater specifically to each individual consumer’s needs.  There is a slight downside to this; most BHPH dealers require bi-weekly payments instead of monthly payments like their big-name counterparts.  This is the reason many critics argue that Buy Here, Pay Here car lots are a rip-off because you pay twice a month for a car that is ‘allegedly’ not worth it.  Seemingly, what they fail to realize this is the norm for any industry that offers assistance to credit and financially challenged consumers.  Last time we checked—the credit card industry does the same thing—do they not have higher interest rates for ‘high-risk’ account holders?  Slightly higher payments are common knowledge among BHPH customers.

 

The  Bottom  Line

The bottom line is this—Buy Here, Pay Here dealers are doing better in sales and demand than their big-name rivalries because they are home to the ‘troubled-consumer’ market that no one else wants—which just so happens to be a hungry, thriving market.  There will always be ‘naysayers’ and critics to speak against anything; supermarkets, a restaurant chain, Obamacare—or whatever, so you just have to ignore them, do your own research, and make a decision for yourself.  No matter what the critics say—the end result is that Buy Here, Pay Here dealers are helping the people that truly need it and has been turned away by everyone else—something the ‘big-rigs’ may want to try.



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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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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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