Oh, tax time. While filing taxes can certainly be a headache, in the case you receive a refund it's definitely worth it in the end. Often, a tax refund is a great way to get the year started off on the right foot. And many folks in Ames, IA will be headed out shopping for cars with their refund in their pocket. But there are other reasons that tax time is the perfect time to shop for that new or used vehicle you've been putting off. Today, we'll look at some of the top reasons to buy your vehicle at tax time, as well as go over some tips for first time buyers.

Here at Deery of Ames, we pride ourselves on treating every customer like family, and providing the honest, friendly service that Iowans expect from a family business. From financing and trade-ins to our new and used vehicles, we take the utmost care to make you feel welcome and secure in your decision to shop with us. Located at 1700 SE 16th St in Ames, IA, we're a family run dealership, and will take care of you whether you visit us in store, online, or by giving us a call at (515) 233-5000.

Why Buy Your First Vehicle at Tax Time

Are you headed to the dealership for the first time? Buying a car is a significant investment, and for first time buyers the task can seem daunting. For those looking to make the most of their vehicle purchase, you're in the right place.

Many veteran car shoppers know to wait until tax time to purchase their next vehicle, and for good reason. The first is the most obvious: The tax refund. For many Ames shoppers, their tax refund makes for the perfect down payment. If you've already saved some money for your down payment, adding your tax refund to it will reduce your monthly payments and the interest you pay on your new vehicle.

Another has to do with dealer specials. Car dealerships know that a lot of Ames residents will be shopping for a vehicle now that they have their tax refund in hand, making tax time a great time to find significant specials and discounts on new and used vehicles. If you're a first time buyer, check out our FAQ below for some helpful tips when shopping for your first vehicle.

Benefits of Financing your First Vehicle

When it's time to shop for your first vehicle, whether you're just graduating from college or starting a new job, it can be tempting to go for a cheap option on the private market. However, there are a lot of benefits to financing a new vehicle at a dealership.

One benefit has to do with building your credit score. Auto loans are looked at very favorably by credit reporting agencies, and making regular payments on your financed vehicle will build up your credit. This makes it easier to get credit in the future, and will result in lower interest rates in the future. Financing a new vehicle also means that Ames buyers will have a new vehicle under warranty, rather than spending their hard-earned tax refund on a gamble on the private market.

So it's pretty clear that financing a vehicle is a great option for first-time buyers, but how do you get financing? Luckily, the process is actually pretty simple when you work with a reputable dealer like Deery of Ames. We have a pre-approval form right on our website, which you'll find linked below. We also work with a large network of financial institutions. This means that you have access to a lot of different options, and our finance professionals work with you to determine the right financing package for you.

You'll work with the dealer to determine things like down payment, monthly payment, and term of the loan. Financing terms will often go for 60 or even 72 months. If you have your tax return to use as a down payment, you can use that to either set your target payment, or just get a head start on paying off your loan. The benefit of choosing to work with a dealer like Deery of Ames, is that it saves you time and headache in finding financing, and gives you access to a range of institutions all at once. There are also often financing specials available during tax time, so adding your tax refund to the mix can result in a stellar deal on your first vehicle.

Tax Time Vehicles at Deery of Ames

As you can see, tax time is the perfect chance for first time buyers and all Ames, IA residents to get great deals at Deery of Ames. From our tax time specials to the extra boost from your tax refund, your perfect vehicle is more accessible than ever. Be sure to check out our specials and browse our inventory below, and give us a call with any questions you have. We'd love to have you in for a test drive, and can sit down with you to discuss financing options. We also have a lot of resources for first time and returning buyers, so we can help you as you research the best way to purchase a vehicle during tax time.