Car Dealer Blog

Miami Valley's Buy Here Pay Here Dealership

Need a car but worried about not getting a loan? Well, at Car-N-Credit, we make it easy to get a car loan. Finding and buying a dependable car, at a price you can afford, is a challenge all in itself. Then, you need to work on getting an auto loan, but that can be difficult. At Car-N-Credit, we know how having a bad credit score can affect your vehicle decisions. With Car-N-Credit we guarantee you an auto loan–no matter your credit history or status. 

bad credit car loan ohio

Guaranteed Auto Loan

Car-N-Credit is the best guaranteed auto loan provider in the Piqua/Dayton area. With our guaranteed auto loan promise, we ensure that you get an auto loan even if you have a poor or no credit score. Unlike other dealerships with [...]

During the hot summer months, nobody wants to get all sweaty on their drive to work or church or even just the grocery store. Rolling down the windows works sometimes, but what about those extra hot and humid days, or when it’s raining, or when your passenger is trying to make a phone call but can’t hear because of the wind?

If your AC is not blowing as cold as it used to, the good news is that it may not cost as much as you think to get your air conditioning cold again. In fact, depending on the issue, you may be able to do it yourself with an AC recharge kit for only $25 and 15 minutes of work.

What does it mean to recharge a car’s air conditioner?

A common problem with air conditioners is that over time slow leaks can develop in the AC lines or connectors, and eventually there is [...]

500 credit score car loan ohio

One of the most common questions we hear as a buy here, pay here dealership is, “Can I get a car loan with a bad credit score?” This is an important question to address because having low credit isn’t uncommon. Unfortunately, with many loans, having low credit means you simply can’t get financed.

Will having bad credit harm your chances of getting a vehicle? Not when you come to Car-N-Credit!

Can I Get a Car Loan with a 500 Credit Score?

Yes! Car-N-Credit has guaranteed auto loans for drivers with a 500 credit score. Whether you have little to no credit or a low credit score, we work hard to help you get financing for the vehicle you want.

We know that a credit score doesn’t show your full picture. Some people haven’t had the opportunity to build their credit. Others fall on hard times temporarily and want to work back up to a good [...]

Most people need a vehicle, but it may surprise you how challenging it can be to get one when you start looking — especially if your credit score isn’t up to par. And with the average SUV generally costing more than cars, it’s even more important for shoppers to secure affordable financing. Guaranteed auto loans seek to change the traditional auto buying process by getting people the vehicles they want without taking a negative credit score into consideration.

guarantee financing used suvWhat is a Guaranteed Auto Loan?

Guaranteed auto loans make you eligible to get financing for a new or used vehicle, regardless of your credit history, credit score, and other financial marks against you. Whether you have no credit or bad credit, a guaranteed auto loan can still help you get the vehicle you want and need.

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Not all car dealerships have your best interests in mind when you’re shopping for a vehicle, especially if you have bad or no credit. In fact, it’s not unheard of to get turned away from buying a car just for having a not-so-perfect credit history.

That’s why dealerships like Car-N-Credit exist. We’re a one-stop shop for getting a vehicle that meets your needs and financing that fits your budget. And we don’t turn anyone away, regardless of their credit history.

If you’re in the market for a vehicle to get you to work, school, and anywhere else in between, we are happy to help.

Bad Credit? No Problem!

The beauty of a buy here, pay here dealership is that they work with people with bad or little to no credit. Unlike regular dealerships that often have strict requirements for financing, a buy here, pay here dealership extends financing to people deemed “risky” by financial institutions.

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Winter climates can be strenuous on any vehicle, even newer models, making it crucial for owners to prepare them for the cold season ahead. In addition to regular vehicle maintenance, there are a few steps you should take before winter to make sure your vehicle is safe and ready for the road.

Essential Winter Car Care Tips

The following basic tips from Car-N-Credit can save you a lot of headaches in the winter when your vehicle’s components get a lot of strain from weather and cold air:

  1. Check Your Battery

Winter cold and summer heat put a lot of wear and tear on your battery, so it’s not uncommon for older batteries to not work their best during these seasons. Use an at-home battery tester or bring your car to a nearby auto parts store. Many of them will test your battery for free to indicate whether you [...]

bad credit car loan dayton ohio

Have you visited other dealerships only for the finance department to run your credit and say they can’t help you? Not every car buying experience needs to be like that. In fact, bad credit does not automatically disqualify you from buying a vehicle.

The key is to work with a dealership that’s designed to handle situations like yours. At Car-N-Credit, we work with people who have bad credit every day. Despite your credit history, you can qualify for guaranteed auto financing with us.

Bad Credit Doesn’t Have to Hurt Your Chances of Buying a Car

Our financing model is buy here pay here. That means that you buy the car from us, we finance it, and you make each payment with us until you pay off your loan. We even offer two-year payment terms so that you can get your car paid off quickly.

We’ll also work with you on an affordable down payment amount, [...]

bad credit car loan miami valley ohio

People with bad credit are often turned away from car dealerships that refuse to finance them because they’re “risky” to lenders. However, having bad credit shouldn’t automatically make you ineligible to buy a car. At Car-N-Credit, we help people like you with a less-than-perfect credit history find a vehicle they love for the right price. We offer both bad credit and no credit loans to people in Troy, Dayton, Piqua, Sidney, and the Miami Valley.

Why Choose Car-N-Credit for Bad Credit Car Loans in the Miami Valley?

If you have bad credit and still want to buy a car, you have options – especially with Car-N-Credit! We believe that no person who’s serious about financing a vehicle should be turned away, which is why we’ve created a process that can get you into the car you want, regardless of your credit score.

Here’s why you should choose Car-N-Credit for your bad credit car loan in [...]

Industries of all types have taken a massive hit from the coronavirus outbreak, including the auto industry. As a consumer, you may have several questions about the global shut-down of auto production and how it affects you and your ability to buy a car right now.

Although there are a lot of unknowns for everyone, we at Car-N-Credit want to help ease some of your concerns by answering your frequently asked questions.

Paul Sherry Chrysler Ram Jeep Dodge Dealership is OPEN and serving customers

Should I buy a car right now?

There are two important things to think about right now: Your health and your finances. If you believe that both are safe and are taking proper precautions to protect them, then you might consider buying a car right now. Car dealerships are open and ready to serve you, and many of them are offering significant discounts to keep business afloat during the [...]

improve used car gas mileage

If there are three constants in life, they are death, taxes, and the fact that it seems to be impossible to find consistently low-priced gas.

While gas prices aren’t at the record highs of 2012 they are trending up from the lows we saw in 2016 into a steady, wallet-destroying climb. The bad news is, there isn’t much we can do about fluctuating oil prices.

The good news is that we can give you some solid tips on how you can get the most mileage from your used car on each fill-up.

Used Cars For Sale

Avoid Having a Lead Foot

Going a little faster to get where you are going in the quickest possible time seems like a solid gas saving tip, but it doesn’t quite work like that.

The faster you go, the more you car experiences drag, or air resistance, the force acting opposite to the forward motion your engine [...]

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