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Buy the Car You Can Afford!

How To Buy A Car You Can Afford
The 2022/2023 inflation woes have weighed heavily on the mind of the modern consumer, causing many to press pause on the act of buying a new car. But, what about those who don’t have the luxury of ‘waiting out the woes’? The truth is, when your old car won’t make it any longer, there are options for buying—even in these turbulent times. The last thing anyone wants to do when feeling a financial crunch or entering a period of financial uncertainty—whether on an individual, national, or even global scale—is to make a big-ticket purchase. Like buying a car. Luckily, there are plenty of ways to make such a purchase and keep that peace of mind; it simply takes a bit of know-how and maneuverability on the part of the purchaser.

The Know-How

Here are the most important things to consider before you venture into the car-buying market:
  • Buy from a dealer with low staff turnover. This will take a little research, but finding a place with high retention is crucial because a dealership that maintains its staff puts its people first. And if the staff feels trusted and comfortable, they want you to feel the same—and what is the easiest way to make a potential customer feel safe and comfortable? Operating with honesty and offering a reasonable price. The Liberty Buick GMC sales staff has been at the dealership for over two decades, and for good reason.
  • In this market, you need to search for a dealer that isn’t adding “special fees” to their new cars. Kia, for example, is marking up all their new Sorento and Telluride models during this low-inventory crunch. It’s legal but it might not win them customers for life. At Liberty Buick GMC, Scott McCorkle refuses to add special, “low-inventory” fees to any of his models. All pricing is capped at MSRP—always.
  • Read the reviews! Any dealership worth visiting has Google reviews. For example, Liberty Buick GMC has excellent reviews for its sales team and its service team. This is important because not only do you want to grasp a glance at how the sales team works, but the level of expertise in the service department is just as important. Think about it: If a dealership has a strong sales team yet its service department is lacking, it promotes the idea that they want to make quick money and forget about the customer once she walks off the sales floor.
At Liberty Buick GMC, we pride ourselves on both sales and service. Here are a few of our reviews (we have nearly 2,000): Hayley Boyce writes: “If I could give them 6+ stars I would! From the very minute we met our salesman, Arte, to the second we drove away with our new truck, we had the best and smoothest experience! Brad and Arte were both so helpful and kind and we are already looking forward to purchasing our next vehicle with them in the future.” Angel Marie posted, “Easiest buying experience ever! I am thankful for the flexibility of management to communicate via text before I went in. It allowed me to focus on my other obligations I had during the day without missing out on the vehicle I wanted. My drive to the dealership was a little over 3 hours away and very worth it! Every staff member who assisted me was extremely kind and welcoming especially my salesman Rusty! Thank you, I look forward to doing business in the future.” Our service department got a nod from Stefen Cordova and his story: “I was traveling from FL and when arriving in Charlotte, my brakes gave out on me. I called multiple GM dealers and no one was helpful. Expect Liberty Buick GMC. The service dept was super helpful and did everything they could to make sure my brakes were fixed the same day. Not to mention, it’s 4th of July weekend so they were already busy. The exceptional men, Jacob, Robert, and Kevin were not only professional but did everything to get my car fixed. They were a blessing and I will forever be grateful for them. Bring your car here if you need help. You won’t regret it. Thanks again guys!”

The Maneuverability: We’ll Do the Work for You

Let our trained loan specialists advise you on exactly what can be done. And if we can’t finance in-house, we will find the best car loan company for your specific needs. What to bring with you when you come in?
  1. A valid driver’s license
  2. Insurance information
  3. Two most recent pay stubs
  4. Proof of residency
Chances are if you have credit problems, you will end up with what is called a subprime loan, and most of the time it maintains high interest levels and can be incredibly confusing to obtain. But once we have your credit information, no matter how bad it may be, we will work on your behalf. Here is what we do: We gather your information and decide which companies will offer the best rates. Then we work with the company that offers the best deal to get you a loan as fast as possible. But that’s not all. We will also show you how to build that credit score back up (if needed). Then you can refinance as soon as possible and find yourself paying down your loan with an even lower interest rate.

The Next Move: Finance, Lease, or Cash?

Most people finance, a smaller percentage lease, and even fewer pay cash; but this is not indicative of which is best, as each option has its own set of advantages and disadvantages. Deciding on your method of purchase is highly dependent upon specific details, such as how long you wish to own the vehicle, your current credit score, and how much cash you have in the bank. Regardless of your financial situation, each option should be scrutinized before making such a significant purchase. Paying cash: A positive to this method is a lack of worry over charges or finance fees; also, when using cash, you hold the title (rather than the bank), making for less hassle if you choose to sell the vehicle later down the road. And, you do not have to make monthly payments. A negative aspect to paying cash is that most often people don’t have such a large sum stowed away. Leasing: This option usually allows for a new model annually, and the vehicle is typically always under warranty, eliminating worry over engine or other performance problems. The monthly payments for leasing are often less than financing. Additionally, there are highly beneficial tax cuts when the leased vehicle is used primarily for business purposes. When leasing, you do not have to worry about making a down payment—assuming your credit is good enough. Negative aspects to leasing include a requirement of more than simply having basic insurance: often dealerships will require a specific amount or type of insurance, resulting in a higher monthly fee. Also, although a leased vehicle is covered with warranty, it is not covered for scratches and dents, which will have to be paid out of pocket. Financing: The most commonly used method of purchase for Americans, this option allows you to use the bank’s money, freeing up your disposable income and the time it can take to save enough money to pay cash. Credit scores determine the type of financing available (the higher the score, the lower the interest rate), and there are usually nice warranty packages out there for financers. The downside to financing? Your monthly payments are usually a little higher than when leasing, and there is usually a hefty down payment required. Don’t get caught up in the worry and anxiety of spending big money on a car. Come to Liberty Buick GMC and we will help you do the math and buy the car you can afford.
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Family-Friendly Auto Service With Straight Answers You Can Trust

Professional Tips and Straight Talk from Top Mechanics on Preventing Dangerous Breakdowns Keeping your family safe on the road starts with being able to trust where you take your vehicle for service. Too many women delay important car care because walking into a service department feels uncomfortable, rushed, or intimidating. When that happens, small warning signs get ignored, and preventable issues can turn into stressful roadside emergencies. A service center should make you feel welcome, respected, and informed, not pressured or talked down to. At Liberty Buick GMC, auto service is built around straight answers and real-world support. This practical service guide offers expert advice from our in-house, experienced mechanics. We see the same dangerous problems every day and know which issues matter most. Keeping your family safe on the road is not just about routine maintenance. It is about avoiding the kind of breakdowns that always seem to happen at the worst possible time, often with kids in the back seat. Unfortunately, putting off critical car care can turn a manageable issue into a preventable roadside emergency. We have identified three of the most dangerous service issues that commonly leave drivers stranded on the side of the road. This service guide is informed by conversations with experienced, top-level Liberty Buick GMC mechanics who consistently see the same preventable problems. When these issues are addressed early, they help protect you and your family and keep small repairs from turning into emergencies. Two of the most serious issues service advisors see involve ball joints and tie rods, which are critical components of your vehicle’s steering and suspension system. A ball joint acts like a pivot point, connecting the control arm to the steering knuckle and allowing your wheels to move smoothly as you steer and drive over bumps. Tie rods connect your steering system to the wheels, translating your steering wheel input into actual movement of the tires. When ball joints or tie rods begin to wear, the warning signs can be subtle at first. You may notice clunking sounds when turning, uneven tire wear, loose or wandering steering, or vibrations in the steering wheel. Left unchecked, these components can fail completely. A failed tie rod can cause sudden loss of steering control. A failed ball joint can allow the wheel to collapse outward or separate from the suspension entirely. If steering failure happens at highway speed or while navigating traffic, the consequences can be frightening and dangerous. Losing the ability to steer means losing control of where your vehicle goes. It can result in an abrupt pull into another lane, a loss of control during a turn, or an inability to avoid an obstacle. These are not minor repairs. They are critical safety issues that should be addressed immediately when identified. Battery health is another common issue that drivers often underestimate. A weakening battery rarely fails at a convenient time. It tends to leave drivers stranded early in the morning, late at night, or in extreme weather. Warning signs like slow engine cranking, dimming lights, or dashboard alerts should never be ignored. Liberty Buick GMC offers free battery checks, and asking about battery health during routine service can prevent a stressful breakdown. Family Friendly Auto Service Center At Liberty Buick GMC, service is designed around real life. Whether you are a busy mom, a professional balancing work and family, or an executive with a packed schedule, car care should never be ignored because of discomfort or inconvenience. Liberty’s service department focuses on being welcoming, respectful, and efficient, with solutions that fit your day so taking care of your vehicle feels simple instead of stressful. Scott Shirley, Head Service Manager at Liberty Buick GMC, understands why many women feel uneasy when visiting a service department. He explains that the discomfort often comes from the belief that they do not know enough about their vehicle and fear being taken advantage of. In reality, many women arrive more prepared than they realize. They have researched symptoms and noticed changes in how their vehicle drives. Scott notes that modern vehicles are highly complex, relying on advanced computer systems that control everything from engine performance to safety features. Even expert technicians frequently need to research, test, and diagnose before pinpointing an issue. No one is expected to know everything about every vehicle, and at Liberty Buick GMC, questions are encouraged and explanations are given clearly and respectfully. A major reason Liberty stands apart is its culture. Across Scott McCorkle’s dealerships, women play important roles as mechanics, service advisors, and managers. That representation matters. It creates an environment where communication is better, concerns are taken seriously, and women feel comfortable and respected from the moment they arrive. Service at Liberty is about partnership, not pressure. The goal is not for women to become mechanics. The goal is confidence. When you understand why a repair matters, what the warning signs look like, and who you can trust, the service experience becomes far less intimidating. Liberty Buick GMC is committed to creating a service environment where women feel safe, respected, informed, and supported. If you have ever delayed service because it felt uncomfortable or inconvenient, consider this your reminder. Preventive care keeps families safe, avoids unnecessary stress, and protects your time. At Liberty Buick GMC, service is built around honesty, efficiency, and real-life flexibility, so you can take care of your vehicle, keep your family moving, and drive away with confidence. Schedule Your Next Service Appointment Today! Click To Schedule or Call 704-708-8000

How to Replace Your Windshield Wiper Blades Yourself | Are Expensive Wiper Blades Worth It?

It’s Hurricane Season! Replace Your Windshield Wiper Blades Today!

The humble windshield wiper blade often goes unnoticed until a torrential downpour hits or morning dew smears across your view. Yet, these essential components are your first line of defense against obscured vision, playing a critical role in your safety on the road. Worn-out wiper blades, characterized by streaking, chattering, or an inability to clear the glass effectively, dramatically reduce visibility, increasing reaction time and the risk of accidents, especially in adverse weather conditions like heavy rain, hurricanes, or even just a muddy splash from a passing vehicle. Prioritizing their replacement isn't just about comfort; it's about ensuring a clear line of sight for safe driving. Here's some insider tips from Liberty Buick GMC Service Manager, Scott Shirley Wiper blades are rubber and over time, endure a relentless assault from UV radiation, extreme temperatures, road debris, and regular use, all of which degrade the rubber or silicone element. This degradation causes the blade to harden, crack, or tear, losing its flexibility and ability to conform to the curvature of your windshield. A compromised blade can't maintain proper contact with the glass, leading to frustrating streaks, missed spots, and an irritating squealing noise. Ignoring these signs means you're driving with a built-in handicap, making every trip in less-than-perfect weather a potentially hazardous gamble. Regular inspection at the Liberty Buick GMC Service Department and timely replacement of your windshield wiper blades are simple, inexpensive acts of preventative maintenance that yield significant safety dividends. Most automotive experts recommend checking your blades every six months and replacing them at least once a year, or sooner if you notice any signs of wear. Don't wait until you're struggling to see through a downpour to realize your blades are failing. A fresh set of wipers ensures optimal clarity, allowing you to focus on the road ahead with confidence, knowing you have the best possible visibility in any driving condition. How to Replace Your Windshield Wiper Blades Yourself Replacing your windshield wiper blades is one of the simplest and most rewarding DIY car maintenance tasks, requiring minimal tools and no specialized mechanical skills. Before you begin, ensure you have the correct replacement blades for your vehicle's make, model, and year – refer to your car's manual or check an online parts finder. You'll typically need to lift the wiper arm away from the windshield until it locks into an upright position. For safety, some prefer to place a towel on the windshield beneath the arm in case it accidentally snaps back, preventing potential damage to the glass. Once the arm is secure, the next step involves detaching the old blade. Most modern vehicles use one of a few common attachment methods: a small tab that you press to release, a clip that you slide open, or a small pin that needs to be disengaged. Carefully observe how the old blade is connected to the arm; often, it slides off once a release mechanism is activated. Gently remove the old blade, noting its orientation, as the new blade will need to be installed in the same manner. Take a moment to clean the windshield thoroughly at this point, removing any grime that might immediately dirty your new blades. Installing the new blade is essentially the reverse of removal. Slide the new blade onto the wiper arm connector until it clicks securely into place. Give it a gentle tug to ensure it's firmly attached. Once both new blades are installed, carefully lower the wiper arms back onto the windshield. Before driving, test your new blades with some washer fluid to ensure they operate smoothly, quietly, and clear the windshield effectively without streaking. This simple, 10-minute task can dramatically improve your driving visibility and save you a trip to the service department. Are Expensive Wiper Blades Worth It? When browsing for replacement windshield wiper blades, you'll inevitably encounter a significant price range, from budget-friendly options to premium, high-performance blades. This often leads to the question: are more expensive wiper blades truly worth the investment? The answer, for many drivers, leans towards a qualified "yes," especially when considering factors like durability, performance in extreme conditions, and overall driving comfort. Premium blades often feature advanced materials like silicone, specialized rubber compounds, or aerodynamic designs that offer superior performance and a longer lifespan compared to their cheaper counterparts. Higher-priced wiper blades frequently boast features engineered for better performance and longevity. Silicone blades, for instance, are known for their enhanced resistance to UV light and extreme temperatures, creating a water-repellent barrier on your windshield over time, leading to less streaking and a clearer view. Beam blades, another premium option, utilize a spring steel tensioner that conforms precisely to the curvature of your windshield, distributing pressure evenly across the entire blade for consistent, streak-free wipes. These design advantages often translate to quieter operation, more effective clearing, and a reduced need for frequent replacements. Ultimately, the value of expensive wiper blades depends on your driving habits, local climate, and personal priorities. If you frequently drive in heavy rain, snow, or live in an area with intense sun exposure, the added durability and performance of a premium blade can significantly enhance safety and reduce frustration. While the initial outlay is higher, the extended lifespan and superior wiping performance can justify the cost, potentially saving you money and hassle in the long run by requiring fewer replacements. For drivers who prioritize optimal visibility and a smoother, quieter wiping experience, investing in higher-quality wiper blades is often a decision they won't regret.

Credit Score Rankings at the Dealership - What you need to know from expert Greg Mongelli

Why Your Credit Score at a Dealership Looks Different Than Credit Karma

If you’ve ever compared the credit score you see on Credit Karma to the one a dealership pulls when you apply for financing, you may have noticed a difference—sometimes a big one. That’s because car dealerships don’t use the same score you see on consumer apps. Instead, they rely on specialized credit scoring models required by banks and lenders that are designed specifically for auto loans. In this article, part of our Liberty Buick GMC series on debunking car-buying myths and sharing insider advice, we’ll explain why these scores are different, what a FICO Auto Score is, how the Equifax Beacon 9.0 Auto-Enhanced report works, and what steps you can take if your credit isn’t where you want it to be. What Is a FICO Auto Score? Most people are familiar with the FICO Score, which is used by banks, credit card companies, and mortgage lenders. But what many don’t realize is that there are multiple versions of FICO scores, and not all are created equal. A FICO Auto Score is a credit score designed specifically for auto lending. It considers the same core factors as a regular FICO Score—like payment history, amounts owed, length of credit history, credit mix, and new credit—but gives extra weight to how you’ve handled car loans in the past. For example, if you’ve consistently made on-time payments on a car loan, the FICO Auto Score will reflect that more positively than your general FICO score might. On the flip side, if you’ve had late car payments or repossessions, those will hurt your Auto Score more than they would your general score. FICO Auto Scores typically range from 250 to 900, unlike the standard FICO range of 300 to 850. Dealerships and lenders use these scores to better predict how likely you are to repay an auto loan. What Is the Equifax Beacon 9.0 Auto-Enhanced Report? At Liberty Buick GMC (and at most dealerships), the credit score used to secure financing is pulled from an Equifax Beacon 9.0 Auto-Enhanced report. This is an auto-specific credit scoring model that many banks and lenders require. Here’s what makes it different from the score you might see on Credit Karma: Credit Karma uses VantageScore, which is a consumer-friendly model designed to give you a general idea of your credit health. Lenders rarely use VantageScore to make lending decisions. Equifax Beacon 9.0 Auto-Enhanced is built for the auto industry. It looks at your overall credit history but emphasizes auto-related credit behavior—like past car loans, delinquencies, or repossessions. Because it’s “auto-enhanced,” this report often produces a score that is either higher or lower than what you see online, depending on your history with auto loans. In other words, your Credit Karma score might show you at 720, but your Beacon 9.0 Auto Score could come back at 660—or even higher, depending on your personal auto credit history. How to Improve Your Credit Score Before Buying a Car If you’re planning to purchase a new vehicle, improving your credit score can help you qualify for lower interest rates and better loan terms. Here are some practical steps: Pay bills on time. Your payment history is the single biggest factor in your score. Even one late payment can drop your score significantly. Pay down credit card balances. High utilization (using more than 30% of your available credit) can hurt your score. Avoid opening too many new accounts at once. Each hard inquiry can temporarily lower your score. Keep older accounts open. The length of your credit history matters—closing an old account can shorten your history and lower your score. Check your credit report for errors. Mistakes happen, and disputing inaccurate information can give your score an immediate boost. Buying a Car with Poor Credit If your credit score isn’t where you’d like it to be, that doesn’t mean you can’t buy a car—it just means the process might look a little different. Here’s what to expect if you’re shopping with less-than-perfect credit: Higher interest rates. Lenders will often approve the loan but at a higher rate to offset risk. Larger down payment. Putting more money down reduces the amount financed and can help you qualify. Shorter loan terms. Lenders may limit repayment to fewer years. Proof of income. Be prepared to provide recent pay stubs, tax returns, or bank statements. Proof of residence. Utility bills or lease agreements may be required to confirm stability. Co-signer option. Having a co-signer with stronger credit can sometimes secure better terms. While these requirements might seem challenging, many buyers with poor credit are able to finance vehicles successfully—especially when working with a dealership that partners with multiple lenders. The Bottom Line The score you see on Credit Karma is useful for tracking trends, but it’s not the same score lenders use when you apply for a car loan. At Liberty Buick GMC, we (and most dealerships) use the Equifax Beacon 9.0 Auto-Enhanced report, which provides lenders with a more accurate picture of how you’ve handled auto credit in the past. By understanding the difference between consumer credit scores and auto-specific scores, you can be better prepared, avoid surprises, and take steps to improve your score before buying. When you’re ready, our team here at Liberty Buick GMC is here to guide you through the process—making sure you get the financing that fits your budget, and the vehicle that fits your life.