Please give my readers a history of Carigan’s Auto Sales and Collision Center. How long has your car dealership been in business?

Carigan’s Auto Sales has only been in business since January 1st of 2013, I have been in the Buy Here, Pay Here business for 10 years. I still feel as though you should know your customers by name and have some sort of relationship with them and I could no longer do that where I was.

Does your dealership primarily sell domestic or foreign used cars? Or would you say it’s a mix of both?

We try to keep a mix of both. Some people have a preference of Domestic or Foreign, we have no preference as long as we think it will make a good, reliable and reasonably priced car for our customer.

If a person has just declared bankruptcy and they want to buy a vehicle, what do you suggest they do?

Bankruptcy is a difficult thing to do in anyone’s situation. They should always consult the bankruptcy court to ask if they can obtain credit for an automobile in their name prior to buying a car on credit.

Should a consumer run their own credit report before they purchase a used car?

It’s always a good thing to know what your credit looks like before purchasing a used car or anytime for that matter.

If you’re divorced and as a result of that divorce have bad credit, what tips would you offer the consumer on how to obtain a loan?

First off you need to budget, a lot of times you can obtain credit with bad credit. First mistake a lot of people make is going over their head to get that car they want. Make sure that you can afford the payment, insurance and any repairs you may have to do on the car. Next, visit someone you can trust to help you. A lot of guys are out to just get a quick sale, so find someone who understands your budget and is willing to help you stay within your means. Getting more credit and not being able to pay it back always will make things worse.

What are some common buy here pay here misconceptions the public should be aware of?

People think that a Buy Here Pay Here car lots are too expensive and a rip off and they sell junk cars. Truth be known there are a few honest Buy Here Pay Here car lot who are out to help the customer, you just have to find them.

Patrick Carigan
Carigan Auto Sales and Collision Center
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This is our twenty-seventh interview in our “1000 Interview Challenge” If your interested in an interview, please contact me.

This interview was conducted by Shane McC. Shane currently is attending RISD studying computer programming. He enjoys traveling and plays hockey. He played for the Boston Junior Bruins of the EJHL during the 01-02 season. You can follow him on Google+