Car Dealer Blog

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!

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.

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.

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.

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.

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.

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 [...]

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.

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, [...]

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.

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

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 [...]

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

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:

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?

The [...]