Roadside Ready And Piece Of Mind

Forget the gimmicks and glove box clutter. These are the gadgets that truly make life on the road safer, easier, and more enjoyable. From roadside lifesavers to modern tech upgrades, here’s your dealership-approved guide to gear that’s worth every penny.

When trouble strikes on the road, the right gear can mean the difference between a quick fix and a long, stressful wait. This first group of gadgets is all about keeping you moving and keeping you safe, no matter where the road takes you.

1. Portable Jump Starter + Power Bank

A dead battery never picks a convenient time to happen. With a portable jump starter, you can get your engine running again without relying on another vehicle. Modern models are compact enough for your glove box, and many double as power banks to charge your phone or GPS.

If a dead battery can leave you stranded, low tire pressure can slow you down in more ways than one. That’s where our next gadget comes in.

2. Tire Inflator with Digital Gauge

Underinflated tires hurt fuel economy, shorten tire life, and can even make your vehicle harder to handle. A compact tire inflator with a built-in digital gauge lets you top up anywhere without hunting for a gas station air pump. Many run on rechargeable batteries or plug into your 12V outlet, getting you road-ready in minutes.

Keeping your tires at the right pressure is only part of the picture. Knowing what’s going on under the hood matters too.

3. Bluetooth OBD-II Scanner

This pocket-sized tool plugs into your car’s diagnostic port and sends real-time data to your phone. It can tell you why your Check Engine light is on, monitor performance, and help you track maintenance. It feels like having a mechanic in your glove box.

Some problems don’t happen under the hood. They happen where the rubber meets the road, especially when you’re towing.

4. Solar-Powered TPMS for RVs, Trailers, and Tow Vehicles

Most tow setups don’t include tire pressure monitoring. This solar-powered system gives you live pressure and temperature readings for every tire on your RV or trailer. If a tire starts losing air or overheating, you’ll know instantly, long before a small issue turns into a dangerous blowout.

While some emergencies give you a warning, others strike without notice. That’s why having the next item within reach is so important.

5. Mini Fire Extinguisher for Cars

A compact fire extinguisher can stop a small engine, brake, or electrical fire before it spreads. Designed for vehicles, these units fit under a seat or in the trunk. In a real emergency, those few seconds can make all the difference.

As you prepare for the unexpected, remember to protect the people inside the car too.

6. First Aid Kit Designed for Vehicles

From minor cuts to more serious roadside mishaps, a vehicle-specific first aid kit keeps you ready. These kits are compact but stocked with items you are most likely to need while traveling.

Sometimes the safest thing you can do is simply be seen.

7. LED Road Flares

Unlike traditional flares, LED versions are bright, reusable, and safe to handle. Set them around your vehicle to alert other drivers if you are stopped on the roadside.

If visibility isn’t enough, you may also need a way out fast.

8. Emergency Escape Tool

A seat belt cutter and window breaker in one compact device. Keep it within arm’s reach of the driver’s seat for those rare moments when seconds count.

Driving Safety Enhancements

Not every safety upgrade is about emergencies. Some make everyday driving safer, smoother, and more confident.

9. Dash Cam with Parking Mode for 24/7 Protection

A good dash cam records while you drive, and parking mode keeps watch when you are away from the vehicle. It adds peace of mind for break-ins, parking lot scrapes, and mystery dents.

Seeing what’s in front is one thing. Having a wider view changes the game.

10. 360° Clip-On Rearview Mirror

This wide-angle mirror expands your field of vision, helping you spot cars, bikes, or pedestrians you might otherwise miss. It’s a simple, affordable upgrade for older vehicles without blind spot monitoring.

Seeing more helps. Seeing better helps too.

11. Wide-Beam LED Headlight Bulbs

Upgrade dim or aging headlights with LEDs that throw a brighter, broader beam. Better nighttime visibility reduces eye strain and makes you easier to spot on the road.

Comfort & Convenience

Small upgrades can make every drive more pleasant, whether it’s keeping things tidy, staying charged, or beating the heat.

12. Magnetic Phone Mount

Keeps your phone secure and visible for navigation, music, or hands-free calls without fiddling with clips or cradles.

Of course, your phone isn’t much use if it is out of juice.

13. USB-C Fast Charger

Modern devices charge faster and more efficiently with USB-C. A quality in-car fast charger keeps your devices topped up even on short trips.

With power handled, a quick tidy-up goes a long way.

14. Compact Car Vacuum

Strong suction in a small package makes quick cleanups easy. Perfect for busy parents, rideshare drivers, or anyone who eats on the go.

Clean is nice. Cool is better.

15. Retractable Windshield Sunshade

Protects your interior from UV damage and keeps the cabin cooler on hot days. The retractable design makes it quicker to use than the fold-out kind.

Comfort isn’t just for the driver. Passengers appreciate it too.

16. Backseat Organizer with Charging Ports

Keeps kids’ gear, snacks, and electronics in order, and their devices powered, during long trips.

Tech & Upgrades for Older Vehicles

New cars come with impressive tech. You can bring your older ride up to speed without buying a new vehicle.

17. Wireless Car Adapter for Apple CarPlay or Android Auto

Cut the cord between your phone and the infotainment system while keeping the same features. Enjoy maps, calls, texts, and music without plugging in.

If your car doesn’t have CarPlay or Android Auto at all, you can still get connected.

18. Bluetooth FM Transmitter

Add hands-free calling and music streaming to cars with only an FM radio. Many models include USB charging ports for extra utility.

There is always room for one or two rotating seasonal picks that make sense for the time of year.

19. Bonus Seasonal Picks

Think winter traction mats, portable defrosters, or summer cooling fans. These low-cost, high-impact add-ons can make seasonal driving safer and more comfortable.

The Missing Piece

Of course, having the right gear is only part of the journey — you also need the right vehicle to put it in. If you’re in the market for a quality used car, truck, or SUV, our team can help you find the perfect match. Every vehicle on our lot is thoroughly inspected, so you can shop with confidence and hit the road fully prepared.

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Not Exactly! But Ford’s New “Model T Moment” Is Almost Here 

Back in 1908, the Ford Model T didn’t just make history, it made driving possible for the average American. It was simple, reliable, and most importantly, affordable. Now, more than a century later, Ford says it’s ready to do something like that again.

On August 11, 2025, Ford plans to reveal a brand-new electric vehicle platform. They're calling it their next “Model T Moment.” And while the details are sparse, their goal is clear: build an EV that’s practical, built to scale, and most importantly priced for everyday drivers.

Then vs. Now Why Price Still Matters

When the Model T first rolled out, it sold for around $825 roughly $27,000 in today’s dollars. But as production got more efficient, Ford brought the price down to just $360, or about $10,000–11,000 today. That’s what helped put a car in nearly every driveway.

Modern electric vehicles haven’t had that kind of price drop at least not yet. The Nissan Leaf hit the market in 2010 for around $33,000. Tesla’s Model S launched at over $57,000, and even the “affordable” Model 3 rarely stayed close to its advertised $35,000 price once options and availability came into play.

Today, most EVs still land between $45,000 and $60,000. That puts a lot of people on the sidelines. And that’s exactly what Ford’s trying to change.

A Different Kind of Breakthrough

When Ford introduced the assembly line, it changed how cars were built and who could afford one. The process was faster, simpler, and more cost-effective, which meant lower prices without cutting corners. That same thinking is behind this new EV platform. Ford’s aiming to simplify how electric vehicles are designed, engineered, and assembled cutting down on complexity to bring costs down, too. The result could be more affordable cars that are easier to build, own, and maintain.

The Big Announcement

Ford says they’ll share the full details on August 11, but from the early reports, they’re building an electric vehicle designed to start at around $25,000, with working families and everyday drivers in mind. And that timing couldn’t be better. With the cost of living up, loan rates higher, and most EVs still priced out of reach, there’s a real need for something more accessible. A $25K EV that’s practical and reliable? That could be a game-changer.

No Model T's In Stock, Just Today's Best Value For Your Money

Like the people we serve, we’re always looking for ways to stretch a dollar and still drive something dependable. That’s why we make it a priority to keep a variety of vehicles in stock that offer real value options that make sense for your needs, your family, and your budget.

If you’re starting to explore your options or just want to see what’s available right now, you can always check out our latest inventory. Whether you’re after something efficient, roomy, or just solid transportation at a fair price, we’re here to help you find it.

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DIY Car Detailing Tips to Make Your Ride Shine

There’s something deeply satisfying about stepping into a freshly detailed car. The way the sun hits the polished hood, the fresh scent inside, the clean lines—it’s more than just aesthetics. It’s about taking care of something you rely on every day and making the driving experience feel a little more special.

The good news? You don’t need professional equipment or hours of free time to make your car shine. With a few simple tools and a little intention, you can get your vehicle looking (and feeling) like new—right in your own driveway.

Start with a Gentle, Thoughtful Wash

Your detailing routine starts with how you wash. Many people grab the dish soap and an old sponge—but that can actually damage your paint over time.

Instead, reach for a pH-balanced car shampoo and use the two-bucket method: one for clean soapy water, the other for rinsing your mitt. It helps prevent swirls and scratches. Finish with a soft microfiber towel for drying.

Want to take things up a notch? Use a clay bar after your wash. It lifts tiny particles stuck to your paint, leaving a silky-smooth finish and prepping the surface for wax or sealant.

Bring the Inside Back to Life

Interior detailing doesn’t have to be complicated. Start by removing clutter and giving everything a thorough vacuum—under seats, in door pockets, and in seat crevices.

Use a soft brush to dust vents, controls, and trim edges. For fabric seats and carpets, a portable steamer can work wonders. If you’ve got leather seats, choose a conditioner that hydrates without leaving them slick or shiny.

Little details like wiping down your door jambs, cup holders, and console gaps really make the space feel refreshed.

Protect What You’ve Cleaned

Once everything sparkles, protect it so it stays that way.

• Use UV protectant on your dash and trim to help prevent fading and cracking—especially important in sunny months.

• Apply a fabric or leather protector to keep spills and dirt from setting in.

• Don’t forget the glass—clean inside and out with a streak-free solution for a crystal-clear finish.

Don’t Overlook the Wheels and Tires

Clean wheels can completely change how your car looks. Use a dedicated wheel cleaner and brush to remove brake dust and grime, and rinse well.

To finish, apply a tire dressing. Choose one that adds a subtle, natural sheen (not a greasy gloss), and look for formulas that won’t sling onto your paint when you drive.

Give It a Shine That Lasts

There’s something satisfying about stepping back and seeing your car truly shine.

A classic wax still works beautifully, but there are also spray sealants and ceramic coatings that offer longer-lasting protection with easier application. Choose what suits your style—just make sure to apply it in the shade and use clean microfiber applicators for even coverage.

These products don’t just look great—they help your car stay cleaner longer and protect against sun, water, and dirt.

For Families with Kids or Pets

If your vehicle carries kids, pets, or both, here are a few tricks that make clean-up easier and more sustainable:

• Lint rollers and pet hair remover gloves work well on seats and carpets.

• Keep microfiber cloths and gentle all-purpose cleaner in the glove box for quick messes.

• Use kick mats or washable seat covers to protect the back of your seats from little feet.

• A handheld vacuum is a great investment if you’re always on the go.

Small habits like these can go a long way in keeping your cabin fresh and family-friendly.

Summer Detailing Tips

Summer is the perfect time to refresh your car, but it’s also a season that can be tough on your vehicle.

• UV rays can fade paint and crack dashboards—so make sure to use protectants regularly.

• Heat and dust settle into your interior quickly. A weekly wipe-down with a damp microfiber cloth helps keep it clean.

• Parking in the shade or using a sunshade can dramatically reduce heat buildup inside.

• Apply a ceramic spray or wax during the summer to help protect against sun, bugs, and bird droppings.

This is also a great season for a full interior refresh. Open up the doors, let the breeze in, and give your car a full top-to-bottom clean.

Make It a Habit, Not a Hassle

Detailing doesn’t have to feel like a chore—it can actually be relaxing and rewarding. A simple routine every few weeks—just 30 minutes here or there—can make your vehicle feel great all year round. It’s a small investment of time that pays off every time you open the door.

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Top Car Accessories for Road Trips, Families, and Pet Owners

Whether you're planning a weekend getaway, managing daily school runs, or traveling with your pet, the right car accessories can significantly improve your driving experience. From added convenience to enhanced safety, here are the top accessories to consider for road trips, families, and pet-friendly travel.

Must-Have Accessories for Road Trips

Long drives call for comfort, organization, and preparedness. These accessories help make road trips more enjoyable and stress-free:

• Phone Mount or GPS Navigation System
  Keep navigation within sight and hands off your phone.

• Portable Car Charger or USB Hub
  Ensure everyone’s devices stay powered throughout the trip.

• Roof Rack or Cargo Box
  Free up interior space with secure storage for extra luggage or gear.

• Travel Pillows and Blankets
  Enhance passenger comfort on long drives.

• Emergency Roadside Kit
  Includes jumper cables, a flashlight, and basic tools for unexpected situations.

Best Accessories for Families

Traveling with kids requires extra planning. These family-focused accessories help keep things organized and passengers content:

• Back Seat Organizers
  Store toys, snacks, electronics, and more within easy reach.

• Sunshades for Rear Windows
  Protect children from glare and heat during sunny days.

• Tablet or Phone Holders
  Allow for safe, hands-free entertainment.

• Spill-Proof Containers and Car Seat Protectors
  Help maintain a clean interior despite spills and messes.

• Foldable Step Stool
  A convenient aid for young children entering or exiting higher vehicles.

Top Accessories for Pet Owners

For pet owners, comfort and safety are just as important as convenience. These accessories make traveling with animals safer and easier:

• Pet Seat Cover or Hammock
  Protects upholstery and provides a comfortable area for your pet.

• Seatbelt Harnesses or Pet Crates
  Keeps animals secure and minimizes driver distractions.

• Portable Water Bowl and Travel Food Containers
  Ensure your pet stays hydrated and well-fed on the go.

• Pet Ramp or Vehicle Steps
  Helps pets enter and exit the car without strain, especially larger or older animals.

• Cargo Area Barriers
  Keeps pets safely confined to the back of your SUV or hatchback.

Get Ready For The Road

The right accessories can make a significant difference in your driving experience—whether you're embarking on a long road trip, managing the daily routine with kids, or traveling with pets. They not only improve comfort and convenience but also help keep your vehicle organized, clean, and safe for everyone on board.

When choosing accessories, consider your specific needs and driving habits. A few thoughtful additions can go a long way toward making your time on the road smoother, safer, and more enjoyable. Take the time to evaluate what works best for your lifestyle, and invest in quality products that offer lasting value and reliability.

Ready for your next adventure? Browse our current inventory to find the perfect vehicle for your lifestyle.

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The Answer Is Yes!

You'll Have Great Options No Matter Which One You Choose!

When it comes to buying a truck, that statement holds true in more ways than one. Not only do you have a solid choice between gas and diesel engines, but both come with a wide range of trims, features, and technology packages designed to fit your needs.

Choosing between a diesel or gasoline engine comes down to  how your truck performs on the road to what you’ll spend on fuel and maintenance. The right option depends entirely on how you plan to use your truck—whether for heavy-duty work, weekend adventures, or everyday driving. The best part? There’s no wrong choice—just the one that works best for you.

Why Consider a Diesel Truck?

Diesel trucks are known for their power and efficiency, making them a go-to for drivers who need serious towing and hauling capability. A diesel engine produces more torque at lower RPMs, which is ideal for pulling trailers, boats, construction equipment, or other heavy loads. That added torque also gives you a smoother ride when the truck is under strain.

One of the standout benefits of diesel is fuel economy—especially for highway driving. Diesel engines tend to deliver better miles per gallon than their gasoline counterparts, which can result in significant savings for drivers who travel long distances or frequently tow. Additionally, diesel engines are built to last. Many are known to exceed 300,000 miles with proper maintenance, which adds to their long-term value.

Today’s diesel trucks also come equipped with advanced emissions systems that make them cleaner and more environmentally friendly than ever before. Many models can use biodiesel blends, offering flexibility at the pump and a more sustainable option for eco-conscious drivers.

Why Consider a Gasoline Truck?

Gasoline-powered trucks are a strong choice for drivers who prioritize affordability, comfort, and everyday usability. They offer faster acceleration and a more responsive driving experience, which is ideal for city driving or frequent stop-and-go traffic. If your driving includes shorter trips, errands, or commuting without heavy towing, a gas engine could be the better fit.

Gas trucks also tend to have a lower starting price compared to their diesel counterparts, making them more accessible for budget-conscious buyers. Maintenance and repair costs are often lower, and gas engines typically have simpler systems that are easier to service. In colder climates, gas engines start more reliably, which is another practical advantage for seasonal drivers.

Modern gas trucks are far more capable than they used to be. With innovations like turbocharged engines and advanced transmissions, many gasoline trucks now offer respectable towing capacity, improved fuel economy, and better overall efficiency than previous generations.

Which One is Right for You?

The choice between diesel and gas really comes down to how you plan to use your truck. If you need to tow heavy equipment, haul loads regularly, or cover long distances on the highway, a diesel truck may give you the performance and durability you’re looking for. It’s a strong, reliable partner for hard work and long-term investment.

On the other hand, if you’re using your truck for light hauling, daily driving, or occasional weekend projects, a gas-powered truck is a versatile, cost-effective option. It's easier to maintain, faster off the line, and typically more affordable to purchase up front.

And remember—today’s truck market offers more variety than ever before. You can find both diesel and gas trucks with premium interiors, advanced safety features, off-road packages, and technology that makes driving easier and more enjoyable.

The Bottom Line

Diesel and gas trucks both bring something valuable to the table. Diesel delivers serious power, excellent fuel efficiency, and unmatched towing capability. Gasoline offers lower costs, responsive performance, and easy everyday drivability. No matter which engine you choose, you’re getting a modern, capable truck built to handle your lifestyle.

We’re here to help you explore both options in person, answer your questions, and match you with the truck that fits your needs. Whether you’re after heavy-duty strength or daily comfort, we’ll help you drive off with confidence.

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The Lost Art Of Parallel Parking?

Remember gripping the steering wheel with sweaty palms during your driver’s test, trying to pull off the perfect parallel park? You weren’t alone — it’s been one of the most dreaded parts of the test for decades. And now, with so many cars that can park themselves, you might be thinking: do I even need to know how to do that anymore?

Fair question. But here’s the truth: even in a world of smart sensors and auto-assist features, knowing how to parallel park is still a skill that matters — a lot.

Why We Still Care About Parallel Parking

Let’s start with the basics. Parallel parking is more than just a rite of passage — it’s something you’ll probably have to do eventually, especially if you drive in cities, visit older neighborhoods, or ever need to squeeze into a street spot during a big event. Not every space will be wide open. And not every car — or situation — will support auto-park technology.

Also, let’s not forget the legal stuff. In many states, if you park more than 12 inches from the curb, you can actually get a ticket. Minnesota, for example, enforces this rule pretty strictly. Even with a valid handicapped placard, drivers have been cited for parking just a few inches too far from the curb. It’s not just about looks — it’s about safety and traffic flow.

A Quick Look Back: Where Parallel Parking Came From

Parallel parking became a thing back in the 1920s and 30s, as more people started driving and cities needed ways to organize curb space. It was way more efficient than angled parking, especially on narrow streets. By the mid-1900s, it was baked into driver’s tests across the country.

Fast forward to today, and parking tech has changed the game. Sensors, backup cameras, and full-on automatic parking systems are now available in everything from compact cars to luxury SUVs. But even with all that, the skill hasn’t disappeared completely — and it’s still being taught (and tested) in many states.

What If Your Car Could Park Itself?

Here’s where it gets cool. Lots of cars — both new and used — now offer some form of automatic or assisted parking. That means the car does most (or all) of the work, and you get a stress-free parking experience, even in tight spots.

New Cars with Self-Parking Features (2024–2025)

Used Cars with Parallel Parking Tech (2015–2023)

If you’re shopping for a pre-owned ride, good news — this feature has been around for a while. Here are just a few options that may include it (depending on trim level):

Note: These features are typically available on higher trim levels or as part of optional packages. Always check the vehicle’s specific equipment list.

Just Like Learning to Ride a Bike

Parallel parking might not be something you do every day — especially if your car can do it for you — but it's still a skill worth having in your back pocket. Like learning to ride a bike, it might take practice at first, but once you've got it, it sticks.

You may go months without needing it. Then suddenly you're downtown, traffic’s heavy, and the only open space is a tight one between two cars. That’s when the muscle memory kicks in — and you’re glad you learned it the old-school way.

Master it once, and it’ll stick with you for life — whether your next car parks itself or not.

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When it comes to purchasing a vehicle, there are several ways to secure financing. Great lending options can be available from either a Credit Union, Bank, or through the car dealership itself. At F&M Auto, we can work with any bank or credit union and provide them with the paperwork you need to get the best deal on the vehicle you want from our selection. Each lender has its own advantages and disadvantages. Let’s explore these common finance solutions so you can make an informed decision when the time is right.

Credit Union Auto Loan

Credit Unions are non-profit financial institutions that are owned by their members. One of the significant benefits of getting a credit union loan is the flexibility and personalized service they offer. Credit unions are known to have more lenient lending policies, which means it is easier to get approved for a loan, even if you have less-than-perfect credit. Additionally, credit unions offer more flexible loan terms, so you can customize your loan to fit your specific needs. F&M Auto has the ability to collaborate with any credit union. We can easily supply them with the necessary documents to help you secure the best offer on the vehicle of your choice from us.

Another significant advantage of financing your vehicle through a credit union is the lower interest rates offered compared to traditional banks. This means you'll end up paying less interest over the life of the loan. That can save you a notable amount of money! 

Bank Lending

Banks are for-profit financial institutions that offer a range of financial services, which includes automotive loans. Banks are known to have stricter lending policies. This means that getting approved for a loan may be more challenging, especially if you have less-than-perfect credit. However, if you have good credit, you may receive an even lower interest rate than you would with a credit union! F&M Auto is able to partner with any bank. We can easily provide them with all the necessary paperwork required to ensure you receive the best deal on your desired vehicle from F&M Auto Sales.

One of the main advantages of choosing a bank for your loan is the extensive range of options. Banks offer a variety of loan products that you can choose from, including secured and unsecured loans. Additionally, banks tend to offer higher loan limits, meaning you can borrow a larger amount of money to purchase your vehicle of choice. Browse affordable, reliable used vehicles from our extensive inventory.

Dealer Finance

Dealer finance is a type of financing that is offered directly by independent and franchise car dealerships alike. Financing your vehicle at the dealership is the most convenient as everything is done all in one place. It can be in-house financing or through a quality relationship the dealership has developed over the years with various local and/or online lenders. 

One significant advantage of a dealer car loan is how much easier it is for them to get you approved. How? Because car dealerships usually work with a network of lenders, and they can often find one that will approve your loan despite short time on job, lower income, bad credit, prior repos, collections, divorce - even bankruptcies! At F&M Auto Sales in Detroit, we’ve partnered with Capital One to get you Pre-Qualified without impacting your credit score! Once they’ve pre-qualified you, your real rate and real monthly payment will show on each qualifying car as you shop our website!

Additionally, dealerships may offer incentives such as zero percent financing or cashback offers, which can help you save money on your car purchase.

When it comes to buying a car, there is no one-size-fits-all solution. The financing option that is best for you depends on your individual needs and financial situation. A bank loan may be your best option if you have good credit and want a lower interest rate. If you have less-than-perfect credit or want more personalized service, credit union financing may be the right choice. But if you're looking for convenience or have bad credit, dealer finance may be the best way for you to go.

F&M Auto Sales has helped thousands of people get financed quickly and get driving the same day! We have solid relationships with a network of lenders, including Credit Unions and Banks, to help our customers secure the best financing options for their needs. Most importantly, any bank or credit union can be collaborated with. Come to our dealership to speak with our finance team and find the desired financing solution for you.

F&M Auto Sales understands that purchasing a vehicle can be a daunting task, and that's why we're here to help you make an informed decision. Learn all about the differences between leasing a vehicle, buying a vehicle with a car loan, and buying a vehicle with cash.

Leasing A Vehicle

Leasing a vehicle is an excellent option for those who want access to a new vehicle every few years without the commitment of ownership. When you lease a car, you essentially rent it for a set amount of time, typically two to three years. During that time, you'll make monthly payments that cover the depreciation of the vehicle, plus interest and fees. A drawback is that you'll be limited to only new models and allowed only a certain amount of mileage per year, typically around 10,000 to 12,000 miles. If you exceed that limit, you'll be charged a fee for each additional mile. At the end of the lease term, you'll have the option to buy the car if you don’t want to purchase it, you must return it and lease a new one.

Car Loans

Purchasing a vehicle with a car loan is an excellent option for individuals who plan on owning their vehicle for an extended period. When you buy and finance a new or used car, you essentially borrow money from a lender to purchase the vehicle outright. The loan term can vary from three to seven years, depending on the lender and your credit score. You can borrow from a credit union or bank, but many find it more convenient to finance at the dealership itself. F&M Auto in Detroit makes it easy to apply online and offers packages for first-time buyers, bad credit, prior repos or collections, medical debt, and more! Sometimes a down payment is required, typically around 10% of the vehicle's cost, but generally, the down payment is a smart way to reduce the overall cost of the loan and related interest. Once all the payments have been made, you will fully own the vehicle and can keep it as long as you like.

Paying Cash

Buying a vehicle with cash is an excellent option for individuals who have the money on hand to purchase a vehicle in full. When you buy a vehicle with cash, you are essentially fully paying for the car upfront and do not have to worry about making monthly payments or interest on a loan. This is not the same as a down payment, down payments are a smaller upfront cash payment of the vehicle, usually 10-20% of the vehicle’s cost. Buying a vehicle with cash tends to have more negotiating power when it comes to the final price of the vehicle.

Key Differences

Let's look at some of the key benefits of why people choose between leasing a car, buying a car with a car loan, and buying a vehicle with cash.

1. Monthly Payments:

Leasing a vehicle usually has lower monthly payments than buying a vehicle with a car loan. This is because you are only paying for the car's depreciation and the number of miles you drive during the lease term. On the other hand, a car loan’s monthly payments are usually higher because you are paying for the car's full price, plus interest, over a more extended period. Buying a vehicle with cash means that you do not have to worry about making monthly payments.

2. Ownership:

When you lease, you do not own the car, and you have to return it to the dealership at the end of the lease term. You do not have the freedom to modify the car or keep it for an extended period. When you purchase a vehicle with a car loan, you own the car and are free to modify and/or keep it for as long as you like. Buying a vehicle with cash means that you own the car outright and can keep the car for as long as you like.

3. Flexibility:

Leasing a car provides more flexibility in terms of switching to a new car every few years. Buying a car with a car loan provides flexibility in terms of ownership and the freedom to modify the car. Buying a vehicle with cash provides flexibility in terms of ownership and no need for monthly payments.

At F&M Auto Sales of Detroit, we're here to help you make the right decision for your unique situation and find a vehicle that meets your needs and budget. Whether you're looking to take out a car loan or buy a vehicle with cash, we're here to make the process as easy and stress-free as possible. Contact us today to learn more about our extensive inventory and financing options. 

There are a handful of ways to get a new-to-you vehicle. Some people choose to pay cash, others will lease a car, and specific dealers allow buyers to charge on a credit card. Each way of getting yourself in a vehicle has its pros and cons, but the best option by far is financing. F&M Auto Sales is connected with over 30 lenders to ensure everyone gets 100% fast and easy auto financing to fit their needs. We work with everyone from Self-Employment, Fixed Income, Repos, Medical Bills, etc. F&M Auto Sales is proud to help people in all credit situations. 

Paying Cash

Buying a vehicle with your own money has its benefits. You don’t have to worry about any monthly payments. There’s no loan, so you won’t have to pay interest and won’t add to any existing debt you might have. With that being said, vehicles are a big purchase. It’s not a good idea to deplete your savings that you need for current expenses or emergency use. Financing a car can be a great way to start or re-establish your credit history. If you pay with cash, you can’t boost your credit - but a loan you properly manage will.

If you're waiting and saving up cash because you think less-than-perfect credit won't qualify you for a loan, let us assure you that financing is still an option at F&M Auto Sales. Many dealerships work with only one or two lenders. We have more lenders than most dealerships in the area, which means that we offer more financing options for our customers. Go to our Auto Loan Calculator to start calculating what your monthly payments could be.

Leasing

Leasing can seem like an excellent option for some. You can get a newer car and have a fixed monthly payment. Many people forget leases can include a host of fees and penalties. You are often constricted to a limited number of miles you can put on the vehicle. You also are usually required to have full coverage insurance. This easily can lead to a higher ultimate cost - especially if you keep the vehicle after the lease is up - than if you were to buy the car in the first place. 

Credit Card

A third option for purchasing a new-to-you car, truck or SUV some may consider is using a charge card. You can find some dealers that allow buyers to put the down payment or the entire cost of the vehicle on credit cards. While this method may have some upsides, such as minor minimum monthly payment and rewards like cash back or points, the downsides are highly significant. Credit card interest rates tend to be very high compared to car financing rates. This difference in interest will significantly increase the total you will end up paying for the vehicle.

F&M Auto Sales works with several top-of-the-line prime credit lenders in Detroit. We will even directly deal with your lender if you’ve gotten pre-approved by your bank or credit union, for example. Qualified buyers with decent credit can enjoy competitive rates as low as 2.9%. That’s right there with new car dealers, but at F&M Auto you won’t see a new car mark-up on the sticker price! 

There’s no reason financing should make you anxious. Don’t regret paying cash, leasing, or using a credit car. F&M Auto Sales is here to help you get easily financed and driving today. You won’t be overwhelmed with large payments - we work with your situation so everything is reasonable and affordable. Check out our inventory and apply online hassle-free.

Best SUV Buying Guide: Compact, Midsize, and Large | F&M Auto

With so many different SUV makes and models, it can be hard to pick the one that best suits your specific needs. Is safety your top priority? Will you be driving the family around; or are you looking to off-road or tow? No matter the need, F&M Auto is here to help! Compact and midsize SUVs tend to be the top-selling vehicles. City drivers find extra appeal in Subcompact SUVs. And there are buyers who still need that classic SUV muscle with strong towing capabilities for weekend escapes. There is also the consideration of upgrading to a luxury model, although the mainstream vehicles are all nicely equipped.

Compact SUVs

These are the most sought after SUVs for sale in today's vehicle market. All prominent automakers offer some sort of compact SUV, and they've largely replaced midsize sedans as the go-to car for small families and commuters. Most compact SUVs offer generous cargo capacity and ample room for rear passengers, compared to a sedan. The Chevrolet Equinox has long reigned supreme thanks to its well-designed interior with huge cargo space, while the Jeep Compass is prized for its sportier handling. Another great option is the Ford Escape, which gets great gas mileage for an SUV. This class of SUV also has some great off-roading options like the Jeep Wrangler, which has been an off-roader favorite for decades. Take advantage of the market and trade for top dollar right now. Use our easy online Trade-In Value form and quickly get the trade-in value on your vehicle.

Midsize / 3rd Row SUVs 

Midsize SUVs take the best components of compact SUVs and add additional cargo room and more space for passengers to stretch their legs. Most 3 row SUVs for families start with a turbo four-cylinder, but at the midsize level you can get a V6 engine. These more powerful engines give the driver extra towing strength for small toys and trailers. Many midsize SUVs also offer a modest off-road ability. The Dodge Durango is tough to top given its smooth ride, immense interior room, and go-anywhere nature, while the Chevrolet Traverse pairs a good price with quality tech features. The Ford Explorer is a great option with third-row seating.

Large SUVs 

Last, but not least, are the traditional SUVs that dominated American roads from the ‘90s up into the 2000’s when gas prices were less of a worry. It's easy to see the draw to these remarkable vehicles with their powerful towing capabilities and enormous interiors. Large SUVs can typically seat eight or nine passengers. With all those perks, don’t forget that a large SUV is relatively bulky once you get behind the wheel. The interiors are compromised by truck-like platforms that can affect available space. The Ford Expedition is one of the most highly rated Large SUVs since it can tow more than 9,000 pounds and be upgraded to impressive levels of luxury. The Chevrolet Tahoe and Chevrolet Suburban are great options for large third-row SUVs and an expansive cargo area. Their corporate cousin, the GMC Yukon, is a great option if you’re looking for a more luxurious SUV. There’s so many benefits to applying directly with us, such as convenience, quickness, security, and approval for all. F&M Auto makes car buying easy and hassle free especially with our easy to use Online Application Form.

There are lots of great options for SUVs out there. If you’re looking for a quality used SUV, F&M Auto has more experience and more vehicle options than most dealerships in the area. There are always hundreds of vehicles in stock ready to go, many of those being compact and mid-SUVs. Contact our friendly team to get any car-buying questions answered and professional advice regarding auto finance options for your specific situation. We have lots of lenders; even low as 2.9% in Detroit for well-qualified buyers. Browse our full selection of used Chevy, Ford, Jeep, and more now. Located at 13000 E. 8 Mile Rd Detroit, MI 48205