SVG Chevrolet of Greenville

1225 E. Russ Rd.
Greenville, OH 45331

(833) 893-7398

SVG CDJR Eaton

510 S Barron St.
Eaton, OH 45331

(937) 858-1475

SVG GM Washington Courthouse

1132 St Rte 41 SW
Washington Courthouse, OH 43160

(740) 239-2289

SVG Motors Dayton

400 Shoup Mill Rd.
Dayton, OH 45415

(937) 568-5163

SVG Motors Beaver Creek

3415 Seajay Dr.
Beaver Creek, OH 45430

(937) 400-1871

SVG Toyota

1132 St Rte 41 SW
Washington Courthouse, OH 43160

(888) 902-5954

SVG Chevrolet GMC Urbana

1100 Scioto St.
Urbana, OH 43078

(937) 453-3457

SVG Springfield Buick GMC

242 E. Columbia Street
Springfield, OH 45503

(937) 806-4912

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Feb 6, 2023

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If you’re buying a replacement vehicle, it’s likely that you’ll check out auto reviews online before deciding which vehicle may be a perfect fit you and your family. You’re likely to seek out test drive videos, tech details, feature lists, and manufacture websites. Many review authors want to be truthful, but it can be confusing to figure out if the review is authentic. The review may very well be written by the manufacturer, who is not going to disclose any cons. When you’re checking out your perfect ride, it’s important to research fully before deciding. After all, most owners keep their cars for several years. So how are you able to tell if the review is an honest one?
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rnWhen searching for a replacement vehicle, look up automotive blogs in Google. Check the blog page to make sure they’re not “sponsored” or “brought to you by” any company that would influence their write-up on the vehicle. Also, look for articles that provide readers the chance to comment on the article — often you’ll find real-life reviews from actual owners within the comments. Next, when reading the review, check to ascertain that the author has offered both pros and cons to the vehicle. If the author hasn’t held back on posting about both the good and not-so-good features, it’s more likely that the review is legitimate. With that being said….
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You do have other options for vehicle shopping and research, though. At SVG Motors, our company philosophy includes a pledge to be transparent with customers. That means when you visit with one of our sales staff, they’ll be sure to spend as much time as you need to answer any questions you have about a particular vehicle. Our staff is trained to help you not only find the best vehicle for you, they’ll even help you shop for comparable vehicles online to ensure you find the best value out there. In addition to that, our YouTube channel features many vehicle walk-arounds and test drives. These videos give you the opportunity to see the vehicles from every angle and have a virtual ride-along. Check out our YouTube channel here.

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Rest assured, when it’s time to figure out what your next ride should be, the professionals at SVG Motors will be ready to help you shop. Ready to figure out what would be a good fit for you? Great! Call our agents at 937-548-7643 and tell them you want help researching vehicles. They’ll be happy you called, and will walk you through the process to find your dream ride.

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If you're paying a high interest rate on your current vehicle loan, you may be able to save yourself some money. Here's the low-down on what you might be able to do.
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rnIt happens to most Americans more often than you probably realize…some financial difficulties creep into our lives and our credit rating suffers. If you've been in this situation and had to get a new car during your economic downturn, it's likely your credit score was low which meant your interest rate was high. If you've worked hard in the past year or two and increased your credit score, you may be able to save yourself some money by refinancing your vehicle loan and getting a lower interest rate.
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rnIf you've got an interest rate that's at least 2% higher than the current average rate, give your lender a call. Explain to your lender that your credit score has improved since you took the loan out and that you'd like to refinance your vehicle. They may say no, but that's ok, you still have options.
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rnPay more every time you make a payment. If your loan doesn't have a pre-payment penalty, giving your bank an extra $10 or more per month can help you pay less interest over the life of your loan. Ask your lender if you can pay extra each month and have that amount apply to your principle balance. What you'll be doing is paying off your loan more quickly and helping yourself avoid paying the full amount of interest over the original loan term.
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rnEven if your lender doesn't allow these options, it won't hurt to ask. If you feel confident that your score has improved and you know you can save money by getting a lower interest rate than you're currently paying, another option is to consider getting a new (or pre-owned) vehicle to replace your current ride. It'll feel great to reward yourself for working hard to improve your score and getting a new ride. Of course you'll have a brand new loan to go along with the new ride, but if you've improved your score you'll benefit from a lower interest rate and enjoy the feeling of having earned a new car!

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When you're interested in getting a new or pre-owned car, truck, or SUV, and you know you'll need a loan to buy it, you'll be asked if you want to use a down payment. In this blog entry, we discuss why down payments can be a great choice for you.
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rnDown payments are usually expressed as a percentage. For example, if your finance professional recommends a 10% down payment, that means a vehicle with a $30,000 purchase price would require you to supply $3,000 at the time of sale. The good news is that your down payment can be paid with cash or by trading in a vehicle that has good equity. If you are financially able to, your best bet is to provide both – have a trade-in with good equity and to put extra cash down.
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rnLoan vendors appreciate you supplying a down payment because it demonstrates your commitment to paying back the loan. The lender will see your loan as much less of a risk than someone who doesn't give a down payment.
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rnHow much you should put down
rnTypically it's wise to pay at least 20% of the purchase price of your chosen new ride in cash, trade, or a combination of both. This helps keep you from having negative equity in the future. It can also help you get a lower interest rate on your loan! 
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rnBenefits of a down payment
rnBy providing a decent down payment, not only are you lessening your risk of ending up with negative equity and potentially getting a lower interest rate on your loan, your monthly payment will be lower! This also helps save money over the life of the loan because by borrowing less, you're paying less in interest fees.
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rnBut what if I'm broke?
rnDon't despair if you don't have the cash on hand right now. Tax time is coming up very soon! SVG Motors is partnering with H&R Block in January and February of 2020 to make it super easy for you to get that nice down payment for your new ride. Not only will H&R Block be set up at the SVG Motors Beavercreek location starting January 11th, they'll give you an instant, no-loan-fee refund advance of up to $3500 to use immediately as a down payment on a new car! Even better than that, SVG Motors will pay your tax prep fees (up to $200!) if you use your instant refund toward the purchase of a new or used vehicle from our wide inventory. For more information about this great offer, click here.

If you're shopping for a new, used, or certified pre-owned vehicle and you have a trade-in, you should know about negative equity. Knowing what it is and how to deal with it can help you make a smarter buying decision.
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rnWhat negative equity is
rnNegative equity, also referred to as being “upside down” or “underwater”, means you owe more for your vehicle than what its current value or market worth is. Why this is a scary proposition is that in order to sell or trade your vehicle in, you're likely not going to be able to get a high enough offer to pay off your loan and get the new (or newer) vehicle you want.
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rnReal-world numbers
rnLet's say you bought a 2017 Chevy Camaro a few years ago. Maybe you had a credit challenge and had to get a loan with a higher interest rate. Because of that, the bank is going to use the payments you make to cover the cost of interest BEFORE they cover the cost of the principle (amount you paid for the vehicle less the interest cost). In our example, let's say you paid $39,000 for your Camaro. Now, 2 years later, your balance on your loan has only decreased by $9000 and you still owe $30,000. You’d like to trade in your Camaro now, but you learn that the average selling price of a 2017 Camaro is $20,000. That means you owe $10,000 more than the vehicle is worth. Admittedly, this seems like a pretty bleak situation to be in. There are solutions to this problem, but the right solution will be different for every person's unique circumstances.
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rnYou may feel that you have to come up with a huge chunk of money to pay off your loan so that you can sell your Camaro and pay off your loan. Let's face it…no one wants to be paying on a car they don't have anymore, and the bank or lending institution won't even release the car's title to you so that you can sell it unless the loan is paid in full. Or, you may think that your only option is to keep paying on the car for the next several years until it's paid off.
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rnAt SVG Motors, our finance managers are skilled at helping you navigate this situation, and will be able to offer you solutions to deal with negative equity. If you're determined to get a new (or newer) vehicle, your first step is to get pre-approved. You can even get an estimate of your vehicle's value here. Then you can call our specialists at 937-548-7643 and they'll walk you through the best options available so that you can get the new ride you really want without stressing over your negative equity.

When it's time to find a new ride, there are a lot of questions you need to answer. In this blog series, we will help guide you through the questions you should ask yourself as well as provide useful tips and tricks along the way. In our second installment of the series, we discuss the benefits of buying a pre-owned vehicle.
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rnThey can hold their value at a more steady rate than new vehicles
rnNew vehicles will lose value immediately upon delivery. It's not uncommon for a new vehicle to lose up to 20% of its value in the first year or two of ownership. While this isn't a huge problem if you intend to own the vehicle for many years, it can be an issue if you're the type of buyer who wants to upgrade every few years. When you buy a pre-owned vehicle, it's depreciation rate has slowed down considerably, so you're less likely to end up with negative equity (owing more than the vehicle is worth).
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rnPotentially lower investment
rnKnowing that vehicles could potentially lose 20% of their value in the first year, shopping for one that's 1 to 2 years old could save you thousands but allow you to potentially still have the remainder of a factory warranty. Keep in mind that while interest rates on loans for pre-owned vehicles may be higher than those for new ones, the insurance rates for pre-owned are often less than for new. This means that the differences should balance out.
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rnDown payments
rnWhile each lender has unique lending policies, it can sometimes be easier to finance a new vehicle. However…if you're able to afford a decent down-payment (10% or more of the vehicle's purchase price), getting a used vehicle loan can be pretty easy! At SVG, as long as you can verify a steady income of $1500 a month, you WILL get approved! Ready to start shopping? Get pre-approved now!
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rnInventory Selection
rnAt SVG Motors, all 8 locations have pre-owned vehicles in stock! If you're unsure of what brand of vehicle you're wanting, considering pre-owned is a great choice because our professional and friendly sales people are trained to help you determine the features that will serve you best. By choosing pre-owned, you'll have access to just about every modern brand available.
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rnSummary
rnIf you love a good bargain and aren't brand-loyal, choosing pre-owned might be the best option for you. Be sure to visit any one of our 8 locations to test drive any of our pre-owned vehicles or call our SVG Express team at 937-548-7643, who can help you find the right vehicle and will work with you to complete all paperwork on the phone so that you don't ever even need to visit the dealership at all!

When it's time to find a new ride, there are a lot of questions you need to answer. In this blog series, we will help guide you through the questions you should ask yourself as well as provide useful tips and tricks along the way. In our first installment of the series, we discuss the benefits of buying a brand new vehicle (instead of used).
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rnTaking advantage of financing and incentive offers
rnThe manufacturers of the brands sold through the SVG Motors auto group (Chevrolet, Buick, GMC, Cadillac, Chrysler, Dodge, Jeep, Ram, Toyota and Mercedes Sprinter) offer shoppers special financing incentives, like money off the MSRP or low interest rates during a promotional period. During certain times of the year, it's not uncommon to be able to find new vehicles with prices that rival used vehicles.
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rnCredit challenges
rnCustomers who are credit-challenged may find that it is easier for them to secure a loan on a brand-new vehicle. This is because when banks see you as a risk due to bruised credit, they must make the assumption that they may have to repossess the vehicle at some point. If you've gotten a loan on a new vehicle instead of used, the bank will feel more secure that a new vehicle will retain its value better than a used vehicle (thereby minimizing their risk in lending to someone with a poor borrowing history).
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rnGetting the EXACT vehicle you want
rnWith the vast inventory available through the network of SVG Motors locations, it's pretty likely that you'll be able to find the exact vehicle you want with the right features in the right color. If by some chance we don't have your dream vehicle, when you're buying new, you can always order a brand new vehicle and customize it exactly how you want it.
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rnPeace of mind
rnIt's not a surprise that pre-owned vehicles need maintenance and/or repairs. New vehicles need maintenance as well, but most manufacturers provide free maintenance for your brand new vehicle for a limited time which can save you money right away. Of course if something does go wrong and an issue creeps up with the drivetrain, manufacturers will honor a warranty so that you don't have to pay for a wide range of repairs.
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rnSummary
rnWhile the process of shopping for a new (or newer) vehicle are similar, choosing to buy a brand new vehicle offers you unique opportunities that buying pre-owned do not. When you want complete warranty coverage (without the additional cost of paying for an extended warranty), the ability to get the exact features you want, and the potential to save thousands with rebates and incentives, choosing to buy brand new might be the best fit for you. If you're ready to start test driving some new rides, contact any of our sales professionals at SVG Chevrolet in Greenville, SVG Chevrolet Buick GMC in Urbana, SVG Chevrolet Buick GMC Cadillac in Washington Court House, SVG Chrysler Dodge Jeep Ram in Eaton, SVG Chrysler Dodge Jeep Ram in Greenville, or SVG Toyota in Washington Court House or call our sales hotline at 937-548-7643.

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Many people travel over the holidays, and you may find that renting a vehicle to make the journey is a good choice for you. Particularly if you need to travel several hundred miles, it can be worthwhile to rent a vehicle to save the wear and tear on your daily driver. To ensure that you're not burdened with hefty fines at the conclusion of your trip, we offer some helpful do's and don'ts for your rental.
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rnInsurance
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rnBefore you leave on your trip or even rent a vehicle, check the insurance policy on your daily driver. Some policies may cover the cost of damages incurred to a rental car if you're driving it. Other policies won't. If your policy doesn't cover the costs of damages to a rental vehicle, buy the insurance from the rental company. You never know what may happen and it's better to be on the safe side.
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rnVisual inspections (a.k.a. – Cover Your Assets)
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rnInsist on performing a walk-around of the vehicle with a rep from the rental car company before accepting the vehicle. Be sure to have the rep note any body damage, tire wear or other imperfections BEFORE you leave so that when you return the vehicle, YOU'RE not held liable for them. Take photos with your cell phone before delivery for extra protection. If you have the opportunity, test drive the car around the lot before taking delivery; this gives you the chance to make sure the vehicle runs and drives as it should.
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rnStick to the schedule
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rnWhen you rent a vehicle, most rental companies require you to commit to returning the vehicle at a specific time. It's in your best interest to stick to that return time…being even a half an hour late can result in fines or late fees. Most companies will allow some leeway due to traffic or other unavoidable situations, so don't panic or speed if you're running behind but do call the company and tell them you're likely to be a few minutes late. On the other hand, if you've cut your trip short, very few (if any) rental companies will supply a refund for an early return,
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rnBuild in time for the gas station before turning the vehicle in
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rnTake the time to look at your rental contract thoroughly when you take delivery. Rental companies will charge an exorbitant amount for fuel if you return the vehicle with less than a full tank. On average, rental companies will charge between 100-200% more than the going rate for each gallon of gasoline that they need to put back in the vehicle. It's definitely worth your time to fuel up before returning!
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rnGet your junk out of the trunk
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rnBe considerate and return the vehicle in the same condition you received it, which means sans candy bar wrappers, used tissues and other general trash. No only is that the kind thing to do, if you return the vehicle with trash in it, you could receive an extra fee.
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rnTaking advantage of these tips will help to ensure you have a safe, smooth trip and no surprise fees upon your return.

Once upon a time, a small dent in your vehicle's body meant a trip to the body shop. Often, body repair requires an extensive amount of work. Technicians usually need to partially disassemble your vehicle by removing trim pieces and cladding, then perform various types of metal finishing procedures. They follow this up with precision paint work and reassembly. This process can be quite costly. If your dents are the result of a collision, your insurance will typically cover the costs, less the amount of your deductible. However, if you have a $500 deductible, a small dent repair may not reach $500 in costs meaning the entire cost of your repair comes out of your pocket. So, do you just live with an unsightly dent in your new ride or fess up with a lot of cash to keep it in showroom condition? Well, chances are…you won't have to do either, depending on the size and location of your dent…and depending on it you purchased your vehicle at SVG Motors!rn

How is this all possible? Easy. Paintless Dent Repair!

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When you purchase your vehicle from SVG Motors, you get the Superior Value Guarantee. One of the benefits of the Superior Value Guarantee is one year of FREE paintless dent repair service. Paintless dent repair is a superior solution for those pesky door dings.  Paintless dent repair consists of the dent being gently popped out using tools specifically designed to perform this task, without altering the factory-installed paint. Since paintless dent repair doesn't require a traditional visit to the body shop, it is usually not listed on a CarFax report, which will help maintain the value of your vehicle.

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Paintless dent repair can be completed quickly, and you'll usually get your car back the same day. Not only is paintless dent repair convenient because of the time savings, it's also a greener alternative to traditional body work. Since paintless dent repair doesn't require the use of harsh chemicals, there is no release of toxins into the water or air. Also, most of the tools used to perform paintless dent repair are hand tools…this reduces the carbon footprint by eliminating a large portion of the power and tools used in traditional body work.

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To summarize, you can save time, moneyArticle Search, and impact to the environment with paintless dent repair. The biggest benefit to using paintless dent repair is that it is FREE for the first year of ownership when you purchase your vehicle at SVG Motors!

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Bad credit can really interfere with your ability to get the things you need in life, such as a new car. However, at SVG Motors, we're committed to trying to help everyone, regardless of their situation. We understand that bad things can happen to good people.
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First, evaluate your own personal credit situation. There are many things that can lower your credit score but are "forgivable" enough that banks will usually work with you. These are called situational credit problems. For example if you:

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  • were laid off or temporarily out of work, you may have missed some payments but once you were on your feet again, you resumed paying your bills on time. This is a situational credit issue, and many banks will look at these types of circumstances and be forgiving enough to grant a loan.
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  • had a major event happen (hospitalization, accident, etc.) and have incurred a lot of credit card debt, your debt-to-income ratio can be considered a risk to lenders. Explaining your situation and demonstrating your ability to pay back this debt (and doing so on time) can increase your odds of getting a loan.
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  • went through a divorce and had to absorb costs and debt you weren't accustomed to paying, this can lower your credit score due to inflating your debt-to-income ratio.
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rnThe key to obtaining a vehicle loan when you've had situational credit hiccups is to explain to your loan officer how and why those circumstances happened. Many lenders will understand that sometimes, despite your best efforts, you might need to make a few payments late. Ask your lending officer to look at your entire credit history, and not just your score. By seeing that you were responsibly making payments until a situation happened, and then resumed your on-time payments after the situation was resolved, your lender will see that your credit bump was a temporary problem.
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rnHabitual credit problems
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rnWhen you've had chronic problems making your payments on time, or had problems with having high credit card debt consistently, be prepared to explain why. A long-term history of late or missed payments is an intimidating risk for lenders. They want to be assured that they'll get the money back that they've given to the dealership to buy your car for you. Your best bet is to spend a few months diligently working to make your payments on time before applying for a loan. If you have a high amount of credit card debt, try to reduce your balance to the point where you owe less than 30% of your available limit. For example, if your credit limit is $1000, it is best practice to never have a balance higher than $300 at any time. However, there are many lenders who specialize in offering vehicle loans for those with low credit scores, so don't be discouraged! Also, did you know that it's often easier to get a loan on a brand new vehicle instead of a pre-owned when you have credit issues? The SVG Motors Auto Group includes several new car dealerships and brands, including Chevrolet, Buick, GMC, Cadillac, Chrysler, Dodge, Jeep, Ram and Toyota so no matter what your situation is, the professionals at SVG will do their best to get you into a new (or newer) ride.
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rnRegardless of what your situation is, SVG Motors will try to help you get approved for a loan for a new vehicle. We have a lending specialist that works with all types of people with bruised credit so they can help you navigate to the best deal. Always remember, SVG is not a buy-here-pay-here lot, but our financing experts are ready to go to work for you to help you obtain the credit you deserve for a reputable lender. Your first step in getting that new ride is to fill out the Pre-Approval form on our website, which you can find here.
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