Luke AFBAutomobile Dealer
Toyota Vehicle Exchange Program, Sales, Lease and or buyback program
How may I best serve you?
Ron Rattray A military brat that landed in Glendale, AZ since 1992. I’m a small business guy with a big heart for Christ. I graduated from Apollo (West Valley) High school in 1995. After high school I pursued my degree at Purdue Global Knowledge International University. I graduated May of 2000 with a degree in Information Technology and Business Management. During my time at Purdue Global Knowledge International University I became very active working two jobs and raising my small family. I finally reached my goal as PBX-IT Engineer; While working in Information Technology I found my entrepreneur side, I took a leap of faith to start my own business in 2003. I became very active with several organizations. I became a board member for the small business association, A+ Better Business Bureau member, Top Gun for Snap-ON Tools diagnostics and best in the west for Honeywell Security. I recently became engaged to Tiffany Roberts, I’m happy to say that she said “YES” with the permission of her two amazing boys Dylan and Jake. I’m a father of three and grandfather of two; Two handsome young men Ty, Ayden and my beautiful daughter Maddy; I have two adorable, beautiful granddaughter’s Leia and MJ. I’ve been in the auto industry directly and indirectly for eight years. I have been with Larry H. Miller Toyota-Peoria for two years now. In those two years, I have become very successful in the automotive business; I believe that customer service is essential to developing a long-lasting relationship between my clients and myself (AKA The VEP Director). My goal is to exceed your expectations!
CAR LOANS FOR MILITARY PERSONNEL
There are no special loans, deals, or financing options for cars offered by the VA. But many lenders and credit unions have people who specialize in car loans for military personnel. If you’re buying a car on finance, your best option is to use one of them. But be sure they’re credible and respectable. Servicemembers are often targets of predatory lenders so research your options thoroughly.
IF YOU CAN AFFORD TO PURCHASE A VEHICLE OUTRIGHT, DO IT
If you can afford to purchase a vehicle outright, do it. Even with the best possible loan and lowest interest rate, your car will cost thousands of dollars more paid overtime than if you’d bought it in one swoop. If you can’t afford this option, then try and make the biggest down payment you can. A bigger down payment means fewer future payments, less interest accrual, and less money out of pocket overall.
KNOW WHAT YOU CAN AFFORD
Know what you can afford. Review your budget, consider what plans you may have for the future, and talk things over with your family. At what price do the monthly payments keep you from buying other things you want or need? Is there an event or item down the line you may have to pay for that you should be saving for (home ownership, college tuition, travel, etc)? Don’t just consider what your current financial situation is, think ahead.
INCLUDE THE COST OF INSURANCE IN YOUR PLANNING
Include the cost of insurance in your planning. You can’t have a car without it so don’t forget the additional recurring cost when budgeting.
MONITOR YOUR TOTAL VEHICLE COSTS
A good rule of thumb to go by is not allowing your total vehicle costs per month to go above 20% of your income. And that includes gas, repairs, cleaning, etc.
COMPARE PRICES FOR CARS AND INSURANCE
Compare prices for cars and insurance. The internet is chock full of good advice and solid info in this regard with plenty of trustworthy sites out there. If you’re trading in a car when buying a new one, check your current car’s value as well so you get a good trade-in price for it.
AVOID GETTING OVERCHARGED
The easiest way to avoid getting overcharged is to know your stuff before you head into the dealership. Know every last detail not just about the vehicle you want, but your own financial situation, credit score, and financing options. Do your research, talk to friends and coworkers about their car buying experiences, and speak to your base or unit’s financial advisor if available. If you walk into the dealership prepared and informed, you’re bound to get the best bang for your buck.