13000 E. 8 Mile RD Detroit, MI 48205 313-423-6191

Why Buy A Used Car | F&M Auto

Are you thinking about upgrading your vehicle? Everyone needs a reliable vehicle to get around. Cars help us get to important places like work, the grocery store, and family’s houses. If yours has been breaking down and becoming a money pit you know it’s time to get something different. Or maybe you want some cool new features and better gas mileage. Whatever reason you’re looking to upgrade, a used vehicle is always a great option! You might be thinking of buying a brand new vehicle or leasing, but there are many more benefits to buying used.


It’s pretty obvious that a used vehicle would be cheaper than a new one, but there are other ways that a used vehicle ends up costing you less in the long run. For example, Automobile Insurance. When you finance a new vehicle or lease, full coverage insurance is required by the lender. The lower the price of a vehicle, the lower it costs to insure with collision and comprehensive coverage. Used cars afford you the option to decline collision and comprehensive coverage and will reduce your monthly commitment even more. 

Because used vehicles are cheaper than new ones, this can be a great option for people who find themselves in a bad credit situation. It’s hard to get financial acceptance for a new vehicle. With F&M Auto, you can be accepted for financing with a used vehicle no matter your credit and your monthly payments will be more reasonable than payments for a new vehicle. Get our Online Credit App process started today and quickly see all the affordable finance options available for you at F&M Auto Sales!

There’s also the car’s depreciation value to think about. When you buy a car new, right when you drive it off the lot, it generally deprecates by 20%. So if you were to buy a vehicle worth $25,000 you’d immediately lose $5,000 worth of value. This can be very intimidating for a car buyer and the last thing you want is buyer's remorse when upgrading to a newer vehicle. As the years go by, that deprecation gets even larger. The average depreciation for a new vehicle is around 50% after just three years! When you buy a used vehicle, the largest portion of the depreciation on the vehicle has already happened. You won’t be throwing away as much value.

Availability & Features

Right now due to the chip shortage, new vehicles are taking longer to make and deliver to car lots. Some customers are waiting months for a new vehicle! If you’re needing a vehicle soon, then buying used is the smarter way to go. Don’t wait an unknown period of time for the dealer to have new cars available when you can buy a used car and drive away today. 

Another major factor with the new car shortage is the technology features that can be offered. These microchips help run all the special features in new vehicles. Due to the limited amount of chips, some car manufacturers and dealerships are limiting the available features. Shop used vehicles from 2018 and later for many of the same great features like remote start, backup camera, and Android Auto/Apple Carplay. You can browse our quality selection of 2018 and later models here.

One of the biggest hesitations people have when buying a used vehicle is the quality. Buyers are worried about their purchase having issues or breaking down faster than new. The Certified Service Center at F&M Auto Sales has licensed mechanics on-site. We thoroughly inspect every vehicle before it's sold to ensure we’re selling you a quality vehicle that won’t break down soon after you buy it. Warranties and extended warranties are available for all the used cars we sell. You can bring your vehicle here for professional service, maintenance, or any future repairs. We are here for you!

After considering the many benefits of owning a used vehicle vs. purchasing brand new, it’s an easy choice. Browse the top-quality pre-owned selection full of modern technology and safety features at F&M Auto Sales in Detroit, where you can buy confidently, save money, and enjoy excellent service after the sale.

Discover Which Type of Vehicle Fits Your Needs

In many ways, vehicles are one of the most important and expensive purchases an average American will make, other than the buying of a home. Most will have to take out a loan that takes 5-7 years to pay off. Making sure you have a vehicle that will fit your specific needs is very important. There are three specific types of vehicles an average person looks at to buy: Sedans, SUVs, and Trucks. On top of those three, we also carry cargo vans for business or personal use. We’re going to break down the pros and cons of each one to help you decide the vehicle that’s right for you! 


Sedans, or cars, are the smallest body type of vehicle. Because of this, they tend to cost the least to purchase. These are a good choice when you’re on a tight budget. Also, due to their smaller size, they are lighter and more aerodynamic, leading to better fuel efficiency. Sedans are also easier to drive and park. Because they aren’t as top-heavy as SUVs and trucks, you have far less of a chance of rollover when maneuvering through tight turns. Another aspect is the trunk. A sedan has the advantage of closed trunks. You can store valuables there out of sight, adding extra security to your cargo. 

But a smaller size also means you can’t fit as many passengers. You’ll also find yourself having less cargo space and no way to tow trailers or anything heavy. Sedans are the perfect vehicle for someone who is on a budget, needs good gas mileage, but doesn’t have to worry about the space in their vehicle. If this sounds like the body style for you you can check out F&M’s Sedan Inventory here! Choose from Chevy Impala and Malibu; Ford Fusion; Chrysler 300 and more.


The popularity of SUVs has exploded over the years. The most obvious benefit is the sheer size. SUVs are great for families since you can fit more passengers and have up to three rows of seating in these vehicles. They also come with entertainment features like TVs to keep your passengers amused during long car rides. Because of their larger size, they usually have better crash-safety ratings to keep your precious cargo safe, whether that’s your young ones in the back or a four-legged friend you took for a ride. If you struggle with driving through severe weather and/or have to face it often, such as heavy snow, an SUV is better equipped than a sedan to handle these hazardous conditions. Most SUVs are even able to tow, unlike sedans. Finally, the driver enjoys greater visibility in an SUV because of its higher driving position and larger passenger windows and back windshield! 

The drawback to SUVs is that they tend to have a bigger price tag than your average sedan due to the larger size and optional features like a TV. They also don’t have as good of fuel efficiency as a sedan. These are great vehicles for parents who have to transport their kids around or someone who needs a little extra room for all the cargo they haul around. Does an SUV sound like the right body style fit for you? If so take a look at the used selection of SUV, Wagon & Utility Body vehicles at F&M Auto Sales. You can’t go wrong with models like Chevy Equinox, GMC Acadia, Dodge Durango, Chevy Suburban and more.


Next, we have the vehicle type Trucks. Trucks are the most capable vehicles when it comes to towing and cargo. If you have to haul a lot of heavy things constantly, from lumber to furniture, this is the vehicle for you. They generally have the most powerful engines you can find in commercial vehicles. Trucks can tow boats, trailers, campers, and even other vehicles with no issues. 

But if you don’t plan to use the truck bed or use its towing features, it might not be right for you. Trucks tend to be the hardest vehicle to drive due to the size and weight. Simple things such as parking can become a hassle. They also get the worst gas mileage of all three body types. They have less seating than SUVs but usually have the same as a Sedan. Trucks can be the best option for a working person that has to tow cargo consistently. If you need a good, durable, reliable truck, browse F&M’s Truck Inventory here! Browse Chevy Silverado, Ford F-150, Cadillac Escalade, and more!

Cargo Vans

Last, but not least, are cargo vans. Full-size cargo vans offer the best solution for a variety of businesses. Regardless of what industry you might be in, cargo vans like the Ford Transit or RAM ProMaster offer fuel efficiency, reliability, space, and comfort. Cargo vans can be more fuel-efficient than box trucks and RVs that are used for business needs. Depending on the needs of your business, these can be better than traditional trucks as well because they are about equal in fuel economy but all your items are inside the vehicle and can be better protected from weather and temperatures. Someone such as a florist would want a cargo van over a truck for their transportation needs.

Even with all that being said, sometimes the right vehicle really depends on who you are. Some like to make a statement with their cars and will choose something sporty, luxurious, or eco-friendly. There are those that like go for something with more horsepower and a loud engine. In these instances, the practicality of your vehicle choice tends to take a back seat to how the car makes you feel. For those that need an everyday vehicle, functionality should be more influential than the flash. Whatever you’re looking for, F&M Auto Sales can help you get behind the wheel. Get credit approval today with our secure, online
Credit App.

Using Your Tax Refund Wisely

It’s tax season once again and your refund will be coming in soon. There are many ways to use your refund, so this year put your refund towards a smart investment and upgrade your vehicle. Whether your car is breaking down or you’re paying too much at the gas pump, there’s plenty of reasons to finally make that upgrade. Monthly payments for a used vehicle might not sound ideal to you, but consistent repairs on a less-than-reliable car can end up being very similar to monthly payments. 

Tax refunds in recent years average around $3,000, according to the IRS. Most people don't plan a refund within their budgets, and because of that, it leads to the idea of your refund being more of a bonus or something to splurge with. Instead of wasting your refund on something unnecessary, why not use it on something you need and use daily? You might be curious about how using a tax refund could affect financing a car. Let’s break it down a little to show you what kind of difference a tax refund might make when financing a vehicle with F&M Auto Sales. 

That chunk of change can provide you with a great down payment on your next ride. Your refund can go a long way toward covering the typical 12 percent down payment on the average price of a vehicle. It’s smart to put between 10 to 20 percent down on a vehicle, and being able to put down a larger amount of money will drop your monthly payment and provide useful savings on interest charges!

You don’t have to use all of your refund on the down payment. Another option is saving your refund to use as a head start on your payments. A refund of $3,000 could be used to help you make up to 11 payments of $269. That covers almost a year’s worth of payments! That’s a pretty great start. 
F&M Auto has teamed up with over 30 lenders so that we can offer you fast and secure financing. Our specialty is placing you into a program that fits your auto financing needs. No matter your credit history, we are happy to work with you and get you approved. We make getting financing so easy! All you have to do is fill out our secure online application. Within no time you’ll get an approval that’s good for days. At F&M Auto, you can get approved for payments as low as $150/month. Or if you don’t want to finance, you certainly don’t have to! Instead, use your tax refund to purchase a vehicle with a cash deal. 

We’ll help you invest your refund wisely and get you driving the vehicle you want to drive and pay for. Browse our enormous inventory of excellent used vehicles on our website. Used cars, trucks, SUVs, and vans of all makes and models for sale. We carry lots of American-made vehicles like Buick, Cadillac, Ford, Chevy, GMC, Jeep, and Chrysler at the best deals in town! Come in with your tax refund today and treat yourself or a loved one to a quality used vehicle from the dealership proudly serving the entire Metro Detroit area since 2004.

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