Car Dealer Blog

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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 [...]

A regular vehicle maintenance routine can help you catch problems early on instead of paying more money to fix them when they’ve become a significant issue. Plus, regular maintenance can keep your vehicle in top shape, extend its life, and give you the confidence to perform basic updates and repairs yourself.

The more you know about your car and how everything works together, the better. Grab a calendar and write down these crucial maintenance tasks to take on:

Oil and Fluids

Checking your oil and other fluids should become a part of a monthly car care routine. It only takes a few minutes, but those few minutes can translate into a lasting life for your vehicle.

Most vehicles now come with a monitor that tells you how much oil life you have left. It’s still a good idea to follow the recommendations in your owner’s manual. Most manufacturers recommend getting your oil changed every 3 [...]

College is a time for you to be getting out into the world and exploring it on your own, but it is hard to do that when you don’t have your own set of wheels. Getting those wheels while in college can be a bit of a challenge, however.

The average new car bought in the US costs a hefty $32,000 and a mid-range sedan will set you back $22,000, even without all the bells and whistles.

This means that, for most students, getting a new car is out of the question and buying a used car is more practical. Unless you are getting a lot of help from your family, you can also probably discount getting a shiny new sports car or SUV as well.

So, if you are setting out into higher education and you want a car to broaden your horizons, without breaking the bank, what are your options?

Buying Used

The [...]

Buying a used car is the right choice for many, but warranties on used vehicles can be confusing. Unlike new cars, used cars usually don’t have as long of a protection period for things that might go wrong. Here’s what you need to know about the warranty on the used car you’re looking to purchase and how to best protect yourself and your investment.

Used Car Warranty Vs. New Car Warranty

The warranty you get for your used car depends on how old it is. If you’re buying a vehicle that’s only a year or two old, you may still have some of the original warranty left depending on your date of purchase, and you might be presented with the option to buy an extended warranty.

However, vehicles that are past the point of coverage under the original manufacturer’s warranty might have a different, not as extensive warranty placed on it by the manufacturer or [...]

Walking into a car dealership can be an overwhelming and anxiety-provoking experience if you’re not prepared for everything that’s about to happen. Purchasing a vehicle – whether new or used – is a big expense and a significant responsibility and one to take seriously.

Although our dealership is stocked with professionals who are here to help you instead of confusing you with tricky sales tactics, we still want you to feel comfortable and educated when you step into our lot. Here’s what you can do before you visit us to make sure you get exactly what you want, understand your rights as a purchaser, and feel at ease with the car buying process:

Browse Online First

Taking some time to research cars online before you head to the dealership is one of the best things you can do to make sure you come prepared. Check out manufacturer websites or car review sites to learn more [...]

When you have bad credit or lack of credit, it can feel like an impossible task to build your credit to a point where you can get decent offers for loans, credit cards, or a mortgage. However, knowing how to navigate the wide world of credit is key. To boost your credit score, you’ll need to:

  1. Remember that building credit is a slow-and-steady process, and
  2. Take some crucial steps toward obtaining lines of credit and being responsible with them.

Buying a car can be one of the best ways to raise your credit score as long as you are diligent about making on-time payments. Once you finance a car, you’ll see your loan reflected on your credit report. Make your payments in full and on time, and you’ll slowly start to see that credit score rise.

How Can Car-N-Credit Help Me Raise My Score?

Car-N-Credit is a buy here pay here car dealership. [...]

new vs used car

Car buyers often walk into a car lot with their sights set on the shiny new car they’ve been dreaming of. But what if a brand-new car isn’t necessarily the right choice for you? There are plenty of advantages to owning a new vehicle, but it’s not your only option (and it might not be the best one right now, either). There are a lot of factors to consider before jumping into this investment, so it’s crucial to know how used and new cars compare to one another.

Monthly Payments

The first – and most important – question to ask yourself is, “What can I afford?” You don’t want to end up having years of payments with a monthly amount that’s out of your budget. New cars sometimes come with fantastic manufacturer rebates and incentives that can keep your monthly payment down, but they’re still usually higher than their used versions. Insurance companies also charge [...]

The thought of purchasing a used car can be worrisome, especially if that car has high mileage. What many people don’t know, though, is that buying a high mileage used vehicle can have some perks over purchasing a brand-new vehicle.

The Benefits of Buying High Mileage

High mileage used cars often have several benefits for prospective car owners, including:

High Mileage is Usually Proof That a Car’s Had a Healthy Workout

As long as its owners took good care of a vehicle before offering it for sale, then a high odometer reading shouldn’t scare you away. Manufacturers design cars to handle a lot of driving.

In fact, cars need you to drive them to stay healthy, similar to how the human body needs routine exercise to stay in its best shape and healthy form. With routine maintenance, tending to necessary repairs, and regular driving, a high mileage 5-year-old car can be in better shape than [...]

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