When shopping for used cars Oregon, Alaska, or Idaho, a common question to ask yourself is, “What used car loan can I afford?” It’s easy to let your eyes get big and see something that you love in that’s a little out of your price range. A safe way to help yourself budget when shopping for a used car is to follow the 20/4/10 rule. This rule helps you to keep a realistic plan in mind when saving and shopping for your next car. The rule is as follows:

• Save for a 20 percent down payment
• Apply and budget for a 4-year used car loan
• Budget for a monthly auto loan payment and operating costs at 10 percent of your net monthly income

20% – Down Payment

Save 20 percent of the total cost of your used car, truck, or SUV for a down payment. Sometimes buying a new form of transportation is an emergency, so it’s tough to dig that much change out of the couch cushions. However, if you’ve been planning on buying a used car for a while, set 20 percent of the cost as a goal for your down payment. This not only helps reduce the cost of the vehicle by 20 percent but helps you to understand the true value of the vehicle you’re buying. So, if you want to buy a used Ford F-150 that’s priced around $15,000, set $3,000 as your goal for a down payment.

4 – Term of Loan

Shoot to find a used car in Alaska, Oregon, or Idaho that’s priced to fit your monthly budget with a used car loan that has a 48-month term. As we know, it’s easy to spread the car loan out over a longer term to lower the cost of the monthly payment. However, this only increases the amount of money you’ll pay in interest and can skyrocket the end amount that you pay for the car. With a four-year loan as the ideal term for your loan, be sure to keep your monthly payment within the parameters you’ve set. Use our helpful car loan payment tool to estimate your monthly payment based on a four-year loan.

10% – Monthly Payment and Operating Costs

An easy way to budget your monthly car payment, try to keep your monthly payment and operating costs under 10 percent of your monthly net income. Don’t budget this off your gross income, because you’ll end up “car poor,” which is when your car payment is sucking up all your monthly funds and you’ll have a hard time meeting the financial demands that come with operating your car. For example, if you bring home $3,000 per month, you can afford a car with a total monthly payment and operating cost of $300 monthly. It’s important remember that there are other costs that come with owning and operating a car besides the monthly payment. You need to remember that you’ll have to insure your car, put gas in it, and change the oil every few months. Maintaining your car shouldn’t drain your savings account or consume your paycheck just to put gas in it. Keep in mind that high-end sports cars don’t run on fuel with an 89 octane rating or simple 10W-40 oil. If you’re in the market for a something like a used Audi Q7, you’re going to need to put premium fuel and synthetic oil in your monthly budget. Not sure if the car you have your eye on fits within your criteria? Take these rules with you when shopping for used car financing. You can also contact us and find your nearby Kendall Automotive Group used car dealership. Our friendly and knowledgeable sales team is more than willing to help you shop for a used car near you to fit within your budget. With Kendall, we know you can easily find a used car within your budget at one of our nearby used car dealerships.

Used Hybrid Car Dealerships

Are you looking to save money on fuel, but don’t want to pay for a new hybrid or electric car? Well, you’re in luck, because the Kendall family of car dealerships offers used hybrid and electric cars to shoppers in Alaska, Oregon, and Idaho. Feel free to click or tap one of the buttons at the bottom of this page to shop our available inventory of used hybrid models near you. If you’re not completely sold on used hybrid and electric cars, here are a few things to consider. You’ll save a bundle on gas with a used hybrid car because fuel emissions are reduced, so your gas mileage is increased. Depending on the hybrid or electric model you decide to purchase, there’s a chance you’ll qualify for tax credits by reducing your carbon footprint. Be sure to ask a member of our friendly sales team at your nearby Kendall hybrid used car dealership to learn more about available tax credits. Just because you’re buying a pre-owned hybrid car doesn’t mean you have to spend a fortune. Contact us or visit your nearby Kendall location in Alaska, Idaho, or Oregon to learn more about our affordable used hybrid car options. The financial experts in our Kendall Finance Center can help you secure the right used car financing option to fit your budget. Our finance experts specialize in working with bankruptcy, bad credit, and no credit financing solutions. Save yourself some time before you come in by filling out our online finance application. We’ll let you know if you’re pre-approved for financing. Be sure to fill out our trade-in form to get a free car appraisal and find out the true trade-in value of your current vehicle. At Kendall Automotive Group, we want to help you find the proper car loan to help you get the car that you need.

Used Hybrid SUVs for Sale

Making the switch to a used hybrid vehicle doesn’t mean you have to sacrifice performance, passenger seating, or cargo space. Your nearby Kendall used car dealership offers a selection of used hybrid SUVs. You’ll find our available models are excellent and comparable versions of their originals. If you don’t see the hybrid SUV model you’re shopping for, ask our team at your used hybrid car dealership and we’ll help you track down your next used hybrid vehicle in Oregon, Alaska, or Idaho. Visit your local Kendall used car dealership to shop our available inventory of used hybrid and electric cars and SUVs. You’ll find a variety of used hybrid cars that includes used electric cars and plug-in hybrid models. Come by today and say hi to a used hybrid car.  

Hybrid & Electric Car Dealerships

Let’s start with this: What is a hybrid car? A hybrid is something made by combining two different elements, or a mixture. Hybrid cars are a combination of a gasoline fuel engine with an electric motor of the future. Step into the future with a new hybrid car from Kendall Automotive Group. With a large selection of new hybrid cars and SUVs, the Kendall family of car dealerships offers a large selection of hybrid cars and SUVs in Oregon, Alaska, and Idaho. We also include a selection of fuel cell and plug-in hybrid models. If you’re not completely sold on new hybrid cars, consider a few things. Fuel emissions are reduced, while gas mileage is increased. You’ll save a bundle on fuel costs by driving a new hybrid car. Depending on the model you decide to buy, there’s also a chance you’ll qualify for tax credits by buying a new hybrid car or SUV and reducing your carbon footprint, so be sure to ask a member of our friendly sales team at your nearby Kendall dealership. Visit your nearest Kendall Automotive Group location in Alaska, Oregon, or Idaho to learn more about our hybrid car options. The financial experts in our Kendall Finance Center can also help you find the right finance option to fit your budget and lifestyle. You can save time before you come in by filling out our online finance application. We’ll let you know if you’re pre-approved for financing. Be sure to fill out our trade-in form to get a free car appraisal and find out the true trade-in value of your current vehicle.

New Hybrid SUVs for Sale

Don’t feel like you have to sacrifice passenger seating or cargo space by going hybrid. Kendall Automotive Group offers a large selection of new hybrid SUVs for sale from manufacturers that includes Toyota, Porsche, Kia, and more. You’ll find our available Toyota RAV4 Hybrid, Porsche Cayenne E-Hybrid, and Kia Niro Plug-In Hybrid models as excellent and comparable versions of their originals. You’ll find a Toyota RAV4 Hybrid that fits your driving style and needs with a variety of options, including the Toyota RAV4 LE Hybrid, RAV4 XLE Hybrid, RAV4 XSE Hybrid, and RAV4 Limited Hybrid. Combine the mpg of a hybrid with the power and performance of a Toyota RAV4. The 2.5L Toyota Hybrid System II offers 219 combined net horsepower for acceleration that will get you moving all the way to highway speeds. You Porsche Cayenne E-Hybrid combines a Turbocharged V6 engine with a plug-in hybrid. You can go without your gas engine and use only the electric engine on a complete working day in the city with a top speed of up to 83 mph. Visit your local Kendall car dealership to shop our available inventory of new hybrid and electric cars and SUVs. Contact us at your nearest Kendall location to find out more about available hybrid models. You’ll find a variety of hybrid cars that includes fuel cell and plug-in hybrid cars. Click one of the buttons below to shop our available hybrid cars near you. Come by today and say hi to a hybrid.