What Car Should I Buy?

There are many things to consider before purchasing a vehicle.  The first is identifying what type of vehicle fits your specific needs.  Wholesale Direct Auto Sales has Used Cars and Trucks of all types.  We carry everything from coupes to full size SUVs.  Below are a few things to consider before making a buying decision. 

Identify My Needs

How many passengers do I need accommodate?

What type of driving conditions define your daily routine: highway, city streets, off-road?

Will you be driving in the rain, ice, snow, or mud?

Do you have a long commute? Is gas mileage important to you?

Will you need to tow with your new vehicle?

What safety features are most important to you?

What are your cargo needs?

Will you be using car seats?

Establish Your Budget

There are several ways to purchase a vehicle.  Choice Auto Sales provides many ways to pay for your new vehicle.  We provide the most competitive finance options to all credit profiles, accept cash payments, bank checks, and outside financing.  We have relationships with many prime and sub-prime lenders in the Eastern region.  We can help finance Bad Credit Car Loans.  Below are some important points to keep in mind.

Most banks allow up to 15% of your gross or total monthly income to be used towards a monthly car payment.

Every $1,000 you finance is typically between $20-$35 per month (Can vary considerably based upon credit and vehicle)

How Do I know I'm Buying A Good Car?

Questions To Ask

Do you have a vehicle history report (AutoCheck, Carfax)?

Is it 4 wheel drive?

Are you the title holder?

How many keys does the car come with?

Does the car have a spare tire and jack?

Will the car pass local/state safety inspections?

Has the car been involved in an accident?

Is the vehicle leaking fluids?

How much tread is left on the tires?

How is the wear on the brakes?

Are there any dealer specific fees that I should know about?

What warranty does my vehicle come with?

Are there options to extend the warranty on my car?

In the past, most consumers relied on a handshake for a sense of confidence when buying a used car.  In today’s market there are many ways to make sure you are purchasing a good car.  The first thing most consumers ask to see is a vehicle history report (AutoCheck, Carfax).  A vehicle history report will disclose many details about the vehicle of interest including any accidents, maintenance records, and the vehicles previous location. If the dealer you're working with is not wanting to make these records available, red flag!


How Do I Know What My Payments Will Be?

Several things affect your monthly car payment.  The two biggest factors are the price of vehicle, and credit score.  As a rule of thumb, every $1,000 you finance is between $25-$35 per month in payment.  Using these figures as a guideline, a $10,000 vehicle will cost about $250-$350 a month.  The third contributing factor is the length of time you choose to finance the vehicle.  We offer the most competitive term options to assure you can obtain the lowest monthly payment possible.  

Online Car Loan Applications


The internet has changed everything. With a world of information at their fingertips, consumers have more power than ever. Consumers can do anything from finding love to buying a home online. Car shoppers have been propelled from in-person haggling at their local dealerships to thousands of online listings from hundreds of dealers with competitive up-front pricing in the click of a button from the privacy of their own living room. The internet, offering consumers access to inventory from dealers across the nation, has driven car dealers to list their most competitive price online or be lost in a sea of a thousand dealers offering a better price to anyone with internet access. Consumers have the power to find the best car at the best price before even setting foot into a dealership and most dealership activity has been pushed out of the showroom and onto the internet. You can find a car, get an appraisal of your trade, sell your car, make your car payment and apply for credit online. Online credit applications have allowed consumers to get loan approvals in minutes without having to leave the house, much less fill out mountains of paperwork hoping to get approved. Consumers can find a car and dealership, get an offer on their trade, and secure financing all from the couch. It’s a brave new connected world but people still have plenty of questions about how online credit applications work.

Is it Safe?

With stories of identity theft almost as common as Kim Kardashian selfies, consumers are smart to be concerned about protecting their personal information. In most situations, it is the website that you need to be worried about, not the submission. Scammers will send you official looking emails taking you to phony sites set up for the purpose of stealing your information. You will think that you are getting a great deal those Captain Kirk and Spock matching salt and pepper shakers that you thought you were purchasing from William Shatner’s fan site, but in reality the link in that email sent you a to a scammer’s page hosted in Liberia. For online car shoppers, the best way to avoid identity theft while shopping is to make sure you are submitting your application on a trusted site. Use Google local business listings to verify you are on the actual business’s web site. Its fine for consumers to research and shop on generic listing sites, but when it comes time to submit an application or inquiry, go directly to the dealership’s website. Submitting information to a website that has an actual brick and mortar location will significantly decrease your chances to become a victim to a scam. When you are submitting an application for credit, check the web address of the credit application. It should be HTTP secure. The web address should begin with “https://ssl” or “https://”. The https:// stands for Hypertext Transfer Protocol Secure, meaning the dealership uses encryption to collect your information. HTTPS provides protection against outside hackers gaining access to your information. It also encrypts collected data to avoid tampering or eavesdropping. Again, the most fool-proof way to avoid identity theft online is to make sure you are on the correct site and to make sure that site is connected to an actual physical business location.


Will Applying For An Auto Loan Hurt My Credit?

Since we primarily work with sub-prime borrowers, our customers can be even more concerned about damaging their credit further than a consumer with excellent credit. Our internal credit application is just that…. internal. Your information is not automatically submitted to any credit bureau, and we won’t run your credit through any bureau without talking to you first. Even though during the application process we will run your credit, it is very unlikely to damage your credit anyway. 


How Long Will It Take?

With companies fighting to make their product or service faster and faster, you can end up feeling like you’re stuck in Something About Mary’s “7 Minute Abs” argument. Just when you think someone has the fastest whatever, someone else comes out with something quicker. One only needs to study the “time to apply for car insurance” wars between Geico and Esurance. “It takes you 15 whole minutes to get car insurance?! We can do that in 7 ½ minutes!” While some things, like getting a car loan, shouldn’t be completed at a lighting pace, that doesn’t mean you should have to fill out one hundred required fields to apply for a car loan. Unless you have your employers HR department’s direct line number handy, you’re going to want to find a dealer that has a minimum required fields. At our dealership, we have slimmed down our online credit application to 8 required fields. You can enter as much information as you want but you won’t be forced to. Our only required information is First Name, Last Name, Home Phone, Address, Social, Birth date, Employment and Income. If you have these few pieces of information, we can get you a preliminary answer.


How Long Until I Get An Answer?

Some dealerships can take up to 48 hours to process your application…. and that is with excellent turn-around time. At our dealership, we use an advanced secure processing system that will use your information to give you a preliminary answer by email within 10 minutes, guaranteed. With that preliminary approval, one of our salesmen will call you. Our salesman will obtain any additional information needed to get you your car loan and will be able to provide you with options for down payment and terms.

Review Snapshot

Thurman - 2016 Chevrolet Impala

I would like to take the time to thank the staff of Auto Wholesale Direct for their help in locating a car for my wife and I. We had make several attempts to locate and purchase a car at several of the local dealers. My wife wanted a certain make and model which none of the dealers had and they all tried to talk her into something she didn‘t want. That is until we went to Auto Wholesale Direct, we told them what we wanted and within a couple weeks we picked it up and it was everything she was looking for. The transaction was so smooth that it only took about thirty minutes and we were driving home. I would highly recommend to anyone looking to purchase a automobile to pay them a visit. Again Thank You for all your help and when I can afford it I will be back looking for a new truck for me. Read more at https://www.cars.com/dealers/200873/wholesale-direct-auto-sales/#PWQ0ogh5MYAX6kZ7.99

Connie Bitts - 2002 Toyota Sequoia

If you are looking for a car, Wholesale Direct is where you need to go. I have had really bad luck with used vehicles over the last couple of years and was a little worried about searching for a car that was dependable and affordable. My family will not buy from any other dealer, so I drove down from Richmond and gave it a shot. Evans not only found me the perfect car, a Toyota Sequoya, the price was lower than expected and came with a warranty since they knew how important the piece of mind was for me that there would be no expensive repairs if something unexpected came up. What you won't find at Wholesale Direct is someone trying to "upsell" you, no pushy salesmen, no gimmicks. What you WILL find is excellent customer service, a great quality vehicle, and realizing that with such great pricing you can afford exactly what you are looking for! I would wish you luck in your car shopping, but with Wholesale Direct you don't need it, they only sell quality vehicles, and if they don't have what you are looking for on their lot they will get it. In 28 years of buying cars,this was the best car buying experience I have ever had.

Wholesale Direct Auto Sales - 2000 Quality Vehicle

At Wholesale Direct Auto Sales we are proud of the quality used cars we sell and our dedication to serve the needs of our customers. This is reflected in the amount of repeat business we receive. Whether this is your first purchase with us or one of many that you’ve had, you can count on our dedicated sales staff to make it the best buying experience possible.

Bill Heyer - 2003 Chevrolet Avalanche

I gave Mr. Evans Helms 5 stars in all categories because he proved true on all levels. Over the past few months I have researched trucks and dealerships only to be disappointed. Truly was about to throw in the towel when Mr. Evans other customer reviews caught my attention and decided to give another try. The buying process proved to be the best stress free car purchasing experience I have had. Would not hesitate to purchase a vehicle again because I know I will find another quality truck.

Latasha Brown - 2009 Dodge Charger

This is the best car buying experience that I have ever had. Everyone was so great from start to finished. I received the car that I wanted without the hassle. Mr. Evans was the best car salesman that I have had. I would send anyone here and buy another car with no problem.

Judy Ware - 2002 Dodge Neon

I came here looking for a vehicle and this place is awesome. Evans is the best! He explained everything clear and help me with everything I needed. I will refer everyone I know to come here. I'm truly a HAPPY customer!!

Rockin' A Minivan - 2008 Honda Odyssey

Let me start by saying I don't usually write reviews, but I've never had a better experience buying a car. I was used to dealing with pretentious and condescending sales people at major dealerships all over VA. On a whim, I pulled into the Wholesale Direct lot in Newport news when I saw a minivan out front. The appearance of the place threw me a little with gobs of cars sitting out front of a random building, but honestly, I'm soooo glad I did. It was the 6th dealership I'd been to that day. Evans Helms treated me like an adult and didn't pressure me at all. I was dumbfounded. The closest thing I can compare it to is going to carmax with better prices and without the wait. Not only was the experience positive, he gave me more for my trade-in, and I saved THOUSANDS of dollars on the van compared to anything in the area. After pulling the trigger, I took it to a dealership in Willamsburg to have the oil changed. The inspection came back spotless, with new brakes to boot. There were two minor things wrong with the vehicle (mirror and fog light) and Evans paid out of pocket to get them fixed. I would recommend these guys to ANYONE. I mean it. Check them out, you'll be happy you did.

Tom - 2008 Lincoln MKZ

Dealer responded the next day with the usual, "yes the car is available, contact us for a look-see, test drive etc....." WDAS is about 60 mi from my home. I was already planning to be in the NN area the following weekend. I stopped by, looked at, test drove, negotiated & purchased the car. It's a low mileage, 8 yr old model that looks to be in very good condition. I was able to purchase for $$$ lower than any price I've seen. Time will tell regarding the performance. Overall pleased with WDAS and would look at them again if I was in the market to purchase and will recommend to friends.

Tanya - 2007 Ford Escape

Dealer was very easy to work with. Allowed me to take the vehicle to my mechanic and have it looked over before buying. I prearranged this deal with the dealer. Just wish we were able to negotiate the price. The markup is low on these vehicles since they cater to a different buyer. Since the vehicle checked out mechanically, the price was still under book value and the mileage was low for the year, I decided to buy. The paperwork took less than 15 minutes! I would consider buying other cars from Wholesale Direct Auto Sales!

Find Us

Wholesale Direct Auto Sales, 12944 Jefferson Ave., Newport News, VA 23608 757-369-3334