The Alarming Truth About Income Fraud and Auto Loans

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Auto Loan Application

A recent Wall Street Journal article delved into a subject that we at Cassels Garage hear about all too often – car dealers engaging in income fraud. Some car dealers simply do not put the customer’s best interests first, instead opting to approve them for car loans that they cannot realistically afford.

$809/mo Car Payment on a $660/mo Income?

The article uses the example of a woman named Mirna Lopez, who bought a pre-owned 2018 Pathfinder and found herself with a car payment of $809 a month. The problem was, she only earned about $660 per month. How did she get approved for a loan that she wasn’t even close to being able to make the monthly payments on? The sad truth is that the dealer gave inaccurate information about her earnings to get her approved for a car that would drown her in debt. This is called income fraud, and it happens more often than you might think. In fact, about 1 in 5 auto loans contain income fraud. “The consequence for a lot of people is to ruin them financially for five to 10 years,” lawyer Richard Feferman points out.

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3 Simple Ways to Winterize Your Car

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Winter Driving

Depending on where you live, you may be dealing with snow and ice on a daily basis. Here in Florida, we don’t see much ice or snow, but if you’re planning a trip up north you’ll certainly want to get your vehicle ready. There are some very good and compelling reasons to winterize your car. Mother Nature isn’t always the kindest when it comes to the weather, so acting on a few of these tips can help your car or vehicle fare better in this winter weather.

Don’t worry – you don’t have to do these winterizing tips alone! The automotive experts at Cassels Garage can help get your car safe and ready for the winter weather. Call your local auto maintenance garage in Melbourne, FL for an appointment so your car can be ready to tackle the salt, the ice, and the snow with ease. Here are some things you can do to ready your car for the winter weather.

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Quick and Easy Holiday Car Preparations

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Oil Change Melbourne FL

December! How did you get here so fast? The automotive team at Cassels Garage is so excited that it is finally time to break out the holly, send in our lists to good old St. Nick, and cross our fingers we are all on the nice list this year. Along with the beautiful busy season comes some crazy hectic travel plans. Whether you are going “over the mountain and through the woods” to visit your grandmother or you are just driving a street over to your sister’s home for the holiday, you want your vehicle to be fully prepared for anything this holiday season has to throw at it. So, here are a couple of quick tips to prepare your vehicle for the season. Don’t be stuck wishing you had taken the time to get ready, read on!

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Avoiding the Cycle of Auto Loan Debt

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Auto Loans

At Cassels Garage, we pride ourselves on giving our customers honest, reliable estimates and high-quality auto services. We want what is best for you and your car, and our outstanding reputation reflects these values. Purchasing, maintaining, and repairing a vehicle are important tasks that sometimes require hard decisions. This week we’d like to focus on a subject that has been in the news lately – debt from car loans. We would like to educate our readers on the subject of auto loans and offer advice on the savviest way to go about the car buying process.
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Car Safety Tips To Teach Your Teen

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Car Safety Tips To Teach Your Teen

When it comes to having a teen driver, car safety tips are important. And as the parent or guardian, it’s your responsibility to make certain that they’re educated on how to stay safe while driving. While there are plenty of car safety tips to teach your child about being on the road, there are certain automotive maintenance tips to teach as well. It’s also a good idea to introduce your teen driver to an automotive repair shop that they can trust and depend on.

These tips can be helpful to teach your teen driver and prevent further maintenance issues down the road as well.
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Things to Consider When Buying a Car

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Things to Consider When Buying a Car

When it comes to purchasing a car, there are some important things to consider. Should you buy new or pre-owned? Should you finance or pay in full? These are good questions, and it’s crucial to take them into account before making this big decision. At Cassels Garage, we have seen all types of car situations over our 50+ years serving Brevard County. In our years of experience, we believe it’s a wiser and more frugal option to choose a good-quality pre-owned car and pay it off upfront if you’re able to. Of course, it’s up to each individual to come to their own decision on this matter, but we’d like to present some information supporting why we think buying used is a better option.
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Is It Smart to Get a Second Opinion When It Comes to Automotive Repair?

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How many times have you taken your car to an automotive specialist, only to question what they’ve told you that you needed to fix? More than likely, you’ve probably had thoughts that you need to get a second opinion, or two, in order to figure out if you believe what they’re telling you. And truth be told, you’re not alone in that feeling. In fact, when it comes to automotive repair, most people actually feel better getting a second opinion rather than just going with what is suggested by the first automotive repair shop.

If you’re looking for a one-stop-shop that you can know and trust, consider taking your car to Cassels Garage. Our team of Melbourne, FL auto repair specialists will provide top-notch service at an affordable price.
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How Many Cars Should You Own in Your Lifetime?

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There’s a debate over car ownership going on and the answer will depend on who you ask. Just how many cars does a person truly need to own during their life?

When it comes to owning cars, how many is too many? Have you ever had this thought? Before deciding on the answer to that question, it’s time to ask yourself why you want to own cars and what your purpose is for them. Many people love cars for different reasons. If you ask the automotive specialists in your area, they’ll have their own thoughts and opinions as well. The truth of the matter is, you should have as many cars in your life as you want to, within reason.
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Simple Ways to Let Your Mechanic Help You

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Finding a good mechanic can feel like a never-ending search. There are only so many reviews that you can read online to see what experiences everyone had. And, no matter where you look, it seems like there is always another one or two options to explore. Why not save your time and energy and let Cassels Garage be your go-to auto repair and specialist? With years and years of excellent service, you can rest easy knowing that your vehicle is in good hands!
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Areas of Your Car to Get Detailed

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Man Hoovering Seat Of Car During Car Cleaning

Do you ever wonder just how dirty your car truly is? Do you even want to know? Certain areas of your car need to be detailed more than you probably realize!

Let’s be real…when was the last time that you gave your car a truly deep clean? We’re talking about a deep clean that has it looking and smelling like new. Maybe…possibly…never? Don’t worry, you’re not alone. In fact, there are tons of others who are in the same boat as you. But, if you’re ready to get your car detailed, you can have it done quickly and easily!
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