This week on Feature Friday, we’re spotlighting a family-ready SUV that blends safety, comfort, and modern tech—the 2021 GMC Acadia SLE AWD (Stock: P36401T). Priced at $21,000 with 116,627 miles, this pre-owned Acadia offers incredible value for those looking for a reliable ride.
The 2021 Acadia SLE stands out with its 3rd row seating, making it perfect for families or anyone needing extra passenger space. With AWD, it’s ready to handle tough road conditions while keeping everyone safe and confident behind the wheel.
Inside, you’ll find a cabin packed with technology and comfort features:
Android Auto & Apple CarPlay for seamless connectivity
Premium Audio & Satellite Radio Ready for an elevated listening experience
Heated Seats & Remote Start for those frosty mornings
Rear A/C to keep all passengers comfortable
WiFi Hotspot to stay connected on the go
Safety is always a priority, and the Acadia delivers with Forward Collision Warning, Lane Departure Warning, Blind Spot Monitor, Parking Sensors, Backup Camera, and Side-Impact Airbags.
Dave Says Yes Manager, Josh Delver, describes it perfectly: “With winter right around the corner this is the perfect vehicle for both safety and comfort. It has remote start to warm up on cold mornings as well as heated seats. It has AWD for safety when the roads get bad.”
If you’ve been searching for an SUV that checks every box—roomy, safe, and loaded with modern features—the 2021 GMC Acadia SLE AWD is worth a closer look.
👉 Stop by Dave Says Yes in Troy, Ohio today and see if this is the right vehicle for you!
Disclaimer: Vehicle availability may change quickly, so please call ahead or check our website to confirm it’s still in stock.
Vehicle Maintenance Tips That Protect Your Investment
As a subprime car buyer, your vehicle isn’t just transportation—it’s a financial investment that can help rebuild your credit. Proper maintenance not only extends your car’s life but protects your financial future. Here are essential maintenance tips every car owner should follow.
Regular Oil Changes Save Engines
Nothing destroys engines faster than neglected oil changes. Fresh oil lubricates engine components, prevents overheating, and removes harmful debris. While conventional wisdom suggests changes every 3,000 miles, many modern vehicles can go 5,000-7,500 miles between changes. Check your owner’s manual for manufacturer recommendations specific to your vehicle.
Monitor Tire Pressure Monthly
Underinflated tires create unnecessary drag that reduces fuel efficiency and causes premature wear. Most vehicles have recommended tire pressures listed on a sticker inside the driver’s door jamb. For just a few dollars, you can purchase a reliable tire pressure gauge and check your tires monthly. Remember that temperature changes affect pressure—cold weather typically lowers tire pressure while hot weather increases it.
Battery Maintenance Prevents Costly Breakdowns
A dead battery often strikes without warning, leaving you stranded and facing towing costs. Most auto parts stores will check your battery charge for free. Have your battery tested annually, especially before winter months when cold temperatures strain battery performance. Keep terminals clean from corrosion by applying a mixture of baking soda and water, then rinsing clean.
Don’t Ignore Dashboard Warning Lights
Modern vehicles have sophisticated computer systems that monitor critical components. When a warning light appears, it signals a potential issue that could become more expensive if ignored. Some lights indicate immediate attention is needed (like oil pressure warnings), while others can wait until your next scheduled maintenance. Keep your owner’s manual handy to understand what each light means.
Stick To Scheduled Maintenance Intervals
Your vehicle’s manufacturer has carefully determined maintenance schedules based on extensive testing. Following these recommended service intervals protects your warranty coverage and prevents costly repairs. Create calendar reminders for upcoming maintenance needs based on your typical mileage.
Properly maintaining your vehicle isn’t just about preventing mechanical failures—it’s about protecting your investment and your credit-rebuilding journey. By following these simple maintenance tips, you’ll extend your vehicle’s life, maintain its value, and avoid unexpected repair costs that could derail your financial progress.
Remember: Every dollar saved on preventable repairs is money that can go toward building your financial future.
Trade-In Tips: Maximizing Your Current Vehicle’s Value
When purchasing your next vehicle with subprime financing, your trade-in can substantially reduce the amount you need to finance, potentially improving your loan terms. Maximizing your current vehicle’s trade-in value requires strategic preparation and negotiation. Here’s how to get the most value from your existing vehicle.
Clean and Detail Your Vehicle Thoroughly
First impressions matter tremendously. A clean, well-maintained vehicle suggests careful ownership and can increase perceived value by hundreds of dollars. Invest in a professional detailing service (typically $100-200) before appraisal, or thoroughly clean the vehicle yourself. Focus on removing stains from upholstery, eliminating odors, and restoring the vehicle’s shine inside and out. Don’t forget to clean the engine compartment, which signals proper mechanical maintenance.
Gather Maintenance Records and Documentation
Complete service records demonstrate responsible ownership and regular maintenance—factors that significantly influence appraisal value. Organize receipts for oil changes, tire rotations, brake services, and any major repairs or replacements. These documents provide concrete evidence that you’ve properly maintained the vehicle, potentially commanding $200-500 in additional value for well-documented maintenance histories.
Address Minor Repairs Before Appraisal
Small mechanical and cosmetic issues can disproportionately impact your trade-in offer. Replace burned-out bulbs, fix minor electrical issues, and address small dents or scratches when the repair cost is reasonable. The $50-150 invested in these repairs often returns double or triple the value during appraisal. However, avoid major repairs as you rarely recover these costs in trade-in scenarios.
Time Your Trade-In Strategically
Market demand for certain vehicles fluctuates seasonally. Convertibles and sports cars typically command higher values in spring and summer, while SUVs and all-wheel-drive vehicles see increased demand during fall and winter months in many regions. Aligning your trade-in with peak demand periods can increase your vehicle’s value by 5-10%.
By implementing these strategic trade-in tips, you’ll maximize your current vehicle’s value, reduce your financing needs, and potentially secure better loan terms—even with subprime credit challenges.
Beyond the Purchase: Building a Long-Term Relationship With Your Dealership
The moment you drive off the lot in your newly purchased vehicle marks the beginning—not the end—of your relationship with your dealership. For subprime buyers especially, nurturing this relationship creates valuable opportunities for financial growth, vehicle servicing benefits, and future purchasing advantages. Here’s how to develop a mutually beneficial long-term partnership with your dealership.
Regular Service Creates Trust and History
Choosing your dealership for regular maintenance and service establishes a documented history of responsible vehicle care. This service relationship demonstrates your commitment to protecting your investment while building rapport with service advisors and technicians who become familiar with your specific vehicle. Many dealerships offer service loyalty programs with accumulating discounts, priority scheduling, and occasional free services for regular customers.
Communication During Financial Challenges
If temporary financial difficulties arise affecting your ability to make payments, proactive communication with your dealership’s finance department can prevent credit damage. Many dealerships have relationships with their lenders that allow for occasional payment arrangements when communicated before delinquency occurs. This transparency reinforces your commitment to fulfilling your obligations despite temporary setbacks.
Rebuilding Credit Opens Future Opportunities
As you consistently make on-time payments on your current vehicle, your dealership’s finance team can become a valuable resource for credit rebuilding strategies. Many dealerships offer complimentary credit reviews for existing customers at regular intervals, identifying opportunities for refinancing or early trade-in when your credit profile improves sufficiently to qualify for better terms.
Referral Programs Benefit Everyone
Most dealerships offer substantial referral incentives ranging from service credits to cash rewards when you refer friends and family who complete purchases. These programs acknowledge the value of personal recommendations while providing tangible benefits for your loyalty. Some subprime-focused dealerships offer additional incentives when referring others in similar credit situations.
Referrals help us and you!
Future Purchase Leverage
Customers with established payment histories and service relationships often receive preferential treatment when returning for subsequent purchases. This typically manifests as expanded inventory access, expedited financing approval, and occasionally, dealer-exclusive incentives not advertised to the general public. Your demonstrated reliability transforms you from a credit risk to a valued repeat customer.
Community Engagement Opportunities
Many dealerships sponsor community events, charity fundraisers, and customer appreciation days. Participating in these activities strengthens your relationship with the dealership while connecting you with others in your community. These events often include vehicle clinics, maintenance workshops, and financial education opportunities beneficial for rebuilding credit.
Building a long-term relationship with your dealership transcends the traditional buyer-seller dynamic, creating a partnership focused on your transportation needs and financial growth. This relationship offers tangible benefits throughout your vehicle ownership journey and positions you advantageously for future automotive decisions.
Understanding Subprime Auto Loans: What They Are and How They Work
Are you struggling with credit challenges but still need reliable transportation? Despite past financial hurdles, subprime auto loans could be your pathway to vehicle ownership. At Dave Says Yes, we specialize in helping customers navigate the sometimes confusing world of subprime financing.
What Exactly Is a Subprime Auto Loan?
Subprime auto loans are specifically designed for borrowers with credit scores typically below 620. Traditional lenders often consider these credit profiles too risky, but specialized subprime lenders understand that your credit score doesn’t tell your whole financial story.
These loans feature:
Higher approval rates for challenged credit
More flexible qualification requirements
Options for various credit situations (bankruptcies, repossessions, no credit history)
Let’s make a deal today!
How Subprime Loans Differ From Traditional Auto Financing
The primary differences involve interest rates, down payment requirements, and loan terms. Subprime loans generally carry higher interest rates to offset the increased lending risk. Most subprime lenders require down payments (typically 10-20% of the vehicle’s value) to demonstrate your commitment and reduce their risk exposure.
The Benefits Beyond Vehicle Ownership
Subprime auto loans offer advantages beyond simply getting you behind the wheel:
Credit Rebuilding Opportunity: Timely payments on your auto loan are reported to credit bureaus, potentially improving your credit score over time.
Transportation Stability: Reliable transportation means greater job security and economic opportunity.
Refinancing Potential: Many borrowers qualify for refinancing at better rates after 12-18 months of on-time payments.
Making Subprime Financing Work for You
Success with subprime financing requires preparation:
Know your credit situation before applying
Save for a reasonable down payment (the more you put down, the better your terms)
Be realistic about your monthly budget
Consider a slightly used vehicle to maximize value
Focus on reliability over luxury features
Moving Forward With Confidence
Subprime auto loans aren’t just a last resort—they’re a legitimate financial tool that helps thousands of Americans access necessary transportation while rebuilding their financial standing. At Dave Says Yes, our financing specialists work with numerous subprime lenders to find the best possible terms for your unique situation.
Don’t let credit challenges keep you from the vehicle you need. Contact our financing department today to explore your options without impacting your credit score.
Dave Says Yes always has the right inventory for anyone!
Tax season presents a unique opportunity for vehicle financing. With refunds arriving and dealerships offering seasonal incentives, the first quarter of 2025 could be your ideal time to purchase.
Strategic Timing Matters
Tax refunds can serve as powerful down payments, potentially leading to:
Lower monthly payments
Better interest rates
Enhanced negotiating power
Reduced loan-to-value ratios
2025 Tax Season Advantages
This year’s market conditions are particularly favorable:
Stabilizing interest rates
Competitive dealer incentives
End-of-winter inventory clearance
Manufacturer rebates
Maximizing Your Tax Refund
Smart allocation of your tax refund could include:
Purchasing a vehicle is a significant financial decision, and understanding down payments can save you thousands of dollars in the long run. Contrary to common misconceptions, your down payment strategy can dramatically impact your overall car-buying experience.
When applying for an auto loan, many buyers believe their credit score is the only factor that matters. However, lenders take a comprehensive approach to evaluating loan applications, considering multiple financial indicators beyond just a three-digit number.
Income Verification
Your ability to repay the loan is paramount. Lenders scrutinize your income sources, looking for:
Steady employment history
Consistent income levels
Debt-to-income ratio
Length of current employment
Proof of income typically includes:
Recent pay stubs
W-2 forms
Tax returns
Bank statements
Debt-to-Income Ratio (DTI)
This critical metric shows how much of your monthly income goes toward existing debt. Lenders prefer a DTI below 36%, calculating it by dividing total monthly debt payments by gross monthly income. A lower DTI signals financial stability and increases loan approval chances.
A strong credit score is essential for securing better financial opportunities, but if yours has taken a hit, an auto loan could be the key to rebuilding it. Many lenders offer auto loans tailored for individuals with low credit, providing a structured way to improve your financial standing while driving a reliable vehicle.
How an Auto Loan Helps Boost Credit
Establishes Positive Payment History
On-time payments are one of the most significant factors in your credit score. By making consistent, timely auto loan payments, you demonstrate responsible borrowing behavior, gradually boosting your score.
Diversifies Your Credit Mix
Credit agencies look at the types of credit you have. Adding an auto loan to your profile introduces an installment loan, which can strengthen your credit mix and improve your overall score.
Reduces Credit Utilization
An auto loan is a fixed installment, not revolving credit, meaning it won’t directly impact your credit utilization ratio. However, consistently making payments can contribute to a healthier overall credit profile.
Tips for Success
Choose an Affordable Loan: Ensure monthly payments fit within your budget to avoid missed payments.
Work with Subprime Lenders: Many dealerships and financial institutions specialize in loans for those rebuilding credit.
Consider a Co-Signer: If your credit is very low, a co-signer with good credit can help secure better rates.
Monitor Your Credit: Regularly checking your credit report ensures accuracy and helps track progress.
Final Thoughts
Rebuilding credit takes time, but an auto loan can be a strategic tool in your financial recovery. By making timely payments and managing debt wisely, you’ll improve your creditworthiness and open doors to better financial opportunities.
As the crisp autumn air begins to settle in, it’s time to prepare for the challenges of winter driving. For many, this season brings joyful thoughts of hot cocoa and holiday gatherings, but it also signals the arrival of treacherous roads and unpredictable weather conditions. If you’re still relying on an aging vehicle to navigate through snow and ice, you might be putting yourself and your loved ones at unnecessary risk. Now is the perfect time to upgrade your ride with Dave Says Yes and ensure safety and peace of mind throughout the winter months.
The Winter Woes of an Unreliable Car
Winter driving can be unforgiving, especially for older vehicles that already struggle with reliability. Imagine waking up to a frigid morning only to find that your car refuses to start. Cold temperatures can drain a battery faster than you might think. And once you’re on the road, worn-out tires and poor traction can turn a simple drive into a nerve-wracking experience on icy roads. Unreliable heating systems can also leave you shivering when you should be comfortably warm inside your vehicle. These challenges are not only inconvenient but can also lead to costly repairs if not addressed in time.
Peace of Mind with a Newer Vehicle
Upgrading to a newer vehicle with Dave Says Yes can significantly reduce these winter driving anxieties. Modern cars are designed with advanced safety features and improved technology that make tackling winter driving conditions much easier. Features like traction control, anti-lock braking systems, and more efficient heating can transform your winter driving experience from stressful to serene.
Moreover, by trading in your old car for a newer model, you’ll avoid the frequent and expensive maintenance that older vehicles often require, saving you both money and time. At Dave Says Yes, we make this transition smooth and financially accessible, so you can focus on enjoying the season without worrying about your car breaking down.
Seasonal Promotions and Financing Options
To make this winter upgrade even more appealing, Dave Says Yes is offering exclusive seasonal promotions. With flexible financing options tailored to fit any budget, getting behind the wheel of a newer, more reliable car is more achievable than ever. Our team is committed to helping you find the perfect vehicle to suit your needs while ensuring you drive away with confidence and peace of mind.
Don’t let winter driving catch you off guard. Visit Dave Says Yes today and explore our extensive range of vehicles designed to keep you safe and secure on the road. Upgrade now and embrace the winter months with a car that meets the demands of the season. Your safety and comfort are just a visit away!
