Summer is coming!  Mar 31st, 2018 
This weeks blog is going to cover scheduled maintenance. As summer is coming we all need to do a few things to maintain our vehicles. #1 Change your oil! We just changed out clocks, So its time to change your oil. #2 Check your fluids. Check your Transmission Fluid. Refer to your owners manual or see dealer for help. You also want to check your water and anti-freeze. Your anti-freeze also acts as a coolant. Also you want to check your tire pressure. Just look at the side of your tire and it will have the recommended PSI. Proper tire pressure even gets you better gas mileage! While your under the hood, top off your windshield wiper fluid and check your air filter. All of these small things help maintain your investment and are under $50 in most cases and add years to your cars life.

Until next time, Safe Travels!
Scott Stillings
Approved Auto of America
Get your act together!!  Feb 19th, 2018 
Who wants to set around at a car dealership for all day? When you come to get a car unless you are bring a load of cash or don't need any financing, You are gonna need a loan. Most car dealerships are happy to arrange financing or just do the loan themselves. When you have all your "Stips" or items the dealer may ask for you will get moved to the front of the line and may even get a better deal. Lenders see prepared customers as more credit worthy. Make sure you have your drivers license, Proof of address, Proof of income (Your paycheck Stubs, atleast 2), Proof of a banking account, Utility bill and be able to obtain car insurance. Most states including KY require proof of insurance on the car BEFORE you leave the lot. Insurance is a huge hang up. Call your agent and let them know you will be calling for a quote and pre-arrange the call. Having these items will get you done hours ahead of anyone else. We see it everyday. Customers spending 3/4 hours at the dealership obtaining all this info. Get it together at home and be ahead of other buyers! Good Luck! 

Scott Stillings- General Manager
Tax Season is upon us!!  Feb 8th, 2018 
The 2018 Tax Refund season is upon us. If you are one of the millions of consumers that are going to use their refund to purchase a vehicle you should probably know a few things. Be a smart shopper. Don't blow your refund on something that isn't practical. A car is a MAJOR purchase and should be treated as a life changing event. This car will get you to work, school, church transport you family and will be with you for several years. Do your homework and figure out your needs. IF you have 2-3 kids and don't want a van but cant afford the gas of a Tahoe, What about a cross-over? A Honda Pilot has 3 rows of seats and great gas mileage. If a Pilot is too much for your budget, What about a Chevy Trailblazer? 2-3 rows of seats, DVD Players, 4WD for these awful winters like we have had this year to just name a few. The best cars we currently sell are Chevy Cruze's and Ford Fusion's. These provide some of the most value and bang for your buck! Understand cars are investments and always get a WARRANTY or Extended Service Contract. You are spending $2000+ Down of your hard earned money, Protect your investment. Used cars break down. All of them do! I have never saw a car that wont break down at some point. Protect your investment and keep up your maintenance and your used car will last a long time and bring you satisfaction. Remember you can see any of our vehicles in the Approved Auto USA group at

Until next time-
Scott Stillings

Treating customers right is always our number one priority   Jul 11th, 2017 
At Approved Auto of America, we truly care about this community.  That's why we treat every person that sets foot on one of our dealerships with respect, kindness, and honesty. We are proud that every day we help good people of  Kentuckiana get access to reliable transportation that powers everything else they do in life.  A lot of car dealerships main focus every day is to make money at their customers expense.  Our's is to set customers up for success.  If we do that, we know that our business will be successful. 

If you don't want to take my word for it, check out what our customers have to say.  Take a look at our 4.5* Google reviews, our A+ Better Business Bureau rating, or the testimonials right here on this website.  Better yet, check us out for yourself at 2105 Dixie Highway in Louisville or 528 State Street in New Albany.

Justin Schrank
General Manager
Go from Buy Here Pay Here to Bank Financing  Jul 3rd, 2017 
Approved Auto of America is unique as a car dealership because we have the ability to do on the lot financing AND bank financing.  That means we can and will work with everyone, regardless of their credit situation. 

If your goal is to someday qualify for a 2015 or newer vehicle with a great interest rate, Approved Auto of America is the car lot for you!  We can start you off in a buy here pay here vehicle and then upgrade you to a premium bank financed car,  all without ever having to leave our lot.  For more information on our financing programs, come see us at 2105 Dixie Highway or give us a call at 502-772-3333.  And remember, we have an Indiana location as well at 528 State St in New Albany.  

Justin Schrank 
General Manager
Skip the Negotiations  May 27th, 2017 
At Approved Auto of America, we don't believe in stressful back and forth negotiations where one party wins and the other loses.  The problem with the "typical" car buying experience is that it takes all day and is built around wearing the customer down until they agree to higher payments and higher prices.  We consider our buy here pay here car sales as a win win situation.  Our goal is to set you up for success, not to stick you with the highest payment possible.  We want you to be able to afford your payment and build your credit.  Our expert finance managers have years of buy here pay here experience and they have been trained to analyze your budget and figure out what payment works best for you. 

If you aren't comfortable with the intimidating tactics and drawn out process of most car dealerships, come see us today for a stress free and easy experience.  

Justin Schrank
General Manager
New Wholesale Dealership  May 8th, 2017 
For Immediate Release 5-8-17

Approved Auto of America is happy to announce the opening of The new spin off of AA is a retail online dealership selling late model 1 Owner No Accident vehicles to the public at auction prices. For customers with good credit or bank financing we have over 50 vehicles to choose from. These vehicles are priced at wholesale prices with deep discounts. Many of these vehicles are priced $4000 BELOW NADA or Kelley Blue Book retail values. Come checkout and remember to BUY WHOLESALE.

Scott Stillings 
Car Insurance  Apr 27th, 2017 
Buying a quality used car, truck, van or suv from Approved Auto of America is easy.  But sometimes getting car insurance can be challenging, especially for younger drivers.  There's no reason to worry though, because we have the knowledge and resources to walk you through the insurance process.  Here are a few car insurance tips.

- If possible, try to keep your car insurance active even if you don't have a vehicle at the moment.  Gaps in coverage dramatically increase your insurance price.

- For younger drivers, getting on a relatives policy as a driver will always be less expensive than starting your own.

- Keep in mind that you will need additional funds on top of your down payment to purchase insurance if you don't currently have it.

- Don't stress if you aren't sure where to start.  We will walk you through every step of the process.

Justin Schrank
General Manager

Car buying doesn't have to take all day!  Apr 22nd, 2017 
At Approved Auto of America, we don't buy into the six hour car dealership experience.   Our goal is for you to have an easy, fast, and stress free experience.  And we do just that!  On average it takes under an hour to purchase a quality pre owned vehicle from Approved Auto.  

You will start with a five minute application to help determine which vehicle is right for you, test drive, then work with your finance manager to set up affordable payments.  It's really that simple.

Come by today at our location on Dixie Highway in Louisville KY or State Street in New Albany IN to see for yourself.

Justin Schrank
General Manager
Approved Auto New Albany  Apr 15th, 2017 
This is Anthony Davis, Manager at Approved Auto of America located in downtown New Albany, IN.  We are located less than three minutes from louisville and just a few minutes from Clarksville, Jeffersonville, Floyds Knobs, New Albany, and more.  Take advantage of all our programs to build or rebuild your credit.

We have low down payments and affordable monthly payments.  Now would be a good time to utilize the low down payment program we have going on at Approved Auto New Albany.  Also, you will have car payments that are affordable to your budget.  At Approved Auto of America, we never want to set the customer up to fail.  We will set you up for success!  All of your car payments will be reported to the credit bureau just like a major lendor.  Our main objective is to help build or repair your credit for future success in life.  It is never too late or too early to start! 

Come see me today!

Anthony Davis
Manager, Approved Auto of America New Albany
Understanding Your Auto Loan  Apr 7th, 2017 
The topic for today is understanding your simple interest auto loan.  Your auto loan is calculated using the simple interest method.  We calculate the interest on your loan by multiplying the outstanding principal balance by the daily interest rate.  In other words, you pay us interest based on how much principal you owe and the number of days you owe it.  

Paying on time makes it EASY!!!  If you make all your regular payments on time as scheduled and there are no extra charges to your account, you should expect to pay no more or less than you agreed.

Paying late.....costs you money!  When we receive your payment, first the outstanding interest is paid then the remaining amount is applied to your principal balance.  Other actions that drive up your costs:  Missing a payment and moving your due date.


- Pay on time:  Extra days between payments means extra interest

- Pay Extra:  Adding a little more to your regular payment each time or making an additional lump sum payment will help lower your loan balance faster and reduce the interest that accrues on your loan

If you want to know more about simple interest, making extra principal payments, or have any other questions, please call us ad 502-775-5657.  We are here Monday through Saturday from 9am to 6pm.  

Stacy French
Bill Polston
Dixie Finance Company
Making an Informed Purchase Decision  Mar 31st, 2017 

This week we are discussing the importance of making an informed decision when purchasing any used buy here pay here vehicle.  At Approved Auto of America, we do everything we can to make sure our inventory is of the highest quality and our closing paperwork is as thorough as possible.  With that said, it is very important that as a consumer you take responsibility in making a smart purchase.  There are a few simple steps you can take to assure you make the wisest decision possible when buying your quality pre-owned car, truck, van, or suv.


1.         Take the vehicle on a rigorous test drive.  Don't just test drive around the block. Use this time as an opportunity to see how the automobile performs at varying speeds and road types such as side streets and highways.


2.         Ask for a vehicle history report.  At Approved Auto of America, we have a vehicle history report available for free on every car on the lot.  


3.         Ask about extended service agreements.  We have warranties available on every vehicle.  Make sure to ask your finance manager how to protect your investment.


4.         Listen and read carefully when signing your closing paperwork.  I can't stress this enough.  Ask any questions you may have and don't sign anything until you are 100% comfortable with our policies and your car loan.  Remember, once you sign your contract you have made a legal commitment to fulfill the terms of the agreement.  So it's crucial you understand everything that entails before you sign. 


That's it!  By taking these steps, you will be on the right track for success and future credit improvement.  


Justin Schrank

General Manager

Warranties and Extended Service Contracts  Mar 14th, 2017 
We wanted to spend some time in this issue about warranties. When you buy any used car you want to get either a warranty with the vehicle or purchase an extended service contract. A warranty comes with or is included in the purchase price and a ESC is sold in addition to the car. It is in no ones best interest if your new vehicle breaks down or has issues. It's bad for everyone. Buying a vehicle with a warranty or adding one on through an ESC is your smartest move. We use ASC Warranty company here at Approved Auto of America. This is a national warranty company that is accepted nationwide. You can take your vehicle anywhere that is ASC certified and they will repair it, if it is a covered item. Anytime you need your Buy Here Pay Here vehicle serviced ASC will be for you. We will finance your ESC right in with your BHPH loan. Protect your investment with a WARRANTY! 
Tax Season Specials and Knowledge  Mar 6th, 2017 
We wanted to spend some time this week on informing you about purchasing a car during tax time. If you are in the market for a Buy Here Pay Here car in Louisville, KY or Southern Indiana, Approved Auto of America is your best option. We have first time buyer programs, Subprime loans, and the best financing terms around. Be a smart shopper and always get a warranty. Approved Auto offers ASC Warranties on every car to help protect your investment. Most buyers at Tax time have large down payments and we just want to make sure you get the most car for you hard earned money. Always make sure to pick good cars with low miles and ask for the Carfax or Auto Check report. Good luck with your tax time car purchase! 

Approved Auto of America is Kentuckiana's #1 Buy Here Pay Here dealership with over 300 vehicles. We have locations at 2105 Dixie Hwy in Louisville and 528 State St in New Albany, IN
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