Car Dealer Blog

Miami Valley's Buy Here Pay Here Dealership

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 [...]

Since any car, even a used one, is a reasonably sized investment, you need to make sure that you are certain about your purchase before buying the car. If you find yourself considering purchasing a used car, then ask yourself the following questions. You will notice that most questions tend to lead to numerous related questions. You want the answers to everything listed below, as this information will help you make an informed decision.

Do I Want a Used or a New Car?

Start by asking yourself if you really want a used car instead of a new one. New cars will have a full warranty, be in great shape, and have no mileage on them so far, but cost more. Used cars offer significant savings, let you avoid investment losses from depreciation, and let you get more features for your money. Used cars tend to be a better choice for those on a budget [...]

buy here pay here used cars

Buying your next vehicle from a Buy Here Pay Here dealership will provide you with a long list of benefits. To begin with, anyone can successfully get financing at the best Buy Here Pay Here dealerships. By contrast, most regular dealerships will only offer financing to those with good or excellent credit. From the ability to get financing, the list of benefits just grows and grows.

Anyone Can Buy a Car

As mentioned, the biggest advantage of a Buy Here Pay Here dealership is the fact that anyone can buy there, regardless of credit scores. If you do not have an amazing credit score, you will likely have to ask numerous dealerships, banks, and credit unions for an automotive loan before you find one that will approve you. To make matters [...]

used cars in Piqua ohio

Start the new year off on the right foot with a used car from Car-N-Credit to drive around Piqua and the surrounding areas in 2019 and the future. With an exceptional selection of vehicles to choose from and the ability to work with everyone, regardless of their credit situation, Car-N-Credit is the place to go for a new-to-you vehicle, no matter your budget or needs.

Accepting All Credit Types

At Car-N-Credit, we strive to make owning a vehicle accessible to everyone, regardless of their financial situation. We understand that a single disaster can ruin your credit, making it hard to get back on track. That is why our finance department accepts all types of credit, even if you have no credit or bad credit. We do not want your credit [...]

Before getting a used car auto loan, you need to take the time to figure out how much you can really afford to spend. Our team at Car-N-Credit can answer your questions and assist you, but the process will go more smoothly if you have done some research yourself. Luckily, there are numerous auto loan calculators available online to help you determine your budget. Here are some of our favorites.

Bankrate

In the website’s auto loan calculator, Bankrate asks you to estimate how much you will borrow, the term of the loan, whether your auto is used or new, and your interest rate. If you do not know the interest rate, there is also a button to find the rate. Based on the information you provide, you will see figures for the estimated monthly payment, the total principal paid, and the total interest paid. There is no figure for the total cost of the loan, [...]

The Difference Is in the Service

What Sets Us Apart From Other Buy Here Pay Here Dealerships
top rated car dealer buy here pay here

When you visit Car-N-Credit, you will notice excellent customer service in addition to a great selection of vehicles that fit your budget, regardless of your credit score. One of the major differences at Car-N-Credit compared to other buy here pay here dealerships is the high level of service you will receive. Our level of service will let you know that we make your interests a priority so you are fully satisfied with your purchase.

Why Customer Service Is Important

At Car-N-Credit, we understand the importance of customer service, both for you as a customer and for us as a business. By striving to deliver the best possible customer service, we can ensure that everyone who leaves our dealership does so with a smile on their face and complete satisfaction. If those satisfied customers spread the word, we are able to help even more drivers find the vehicles that they need or want, regardless of their [...]

car and credit

Our dealership understands that not everyone has a good credit score or the savings necessary to buy an auto, even a used one, outright. We feel that everyone is entitled to the ability to buy a car of their choice, regardless of financial situation, which is why we proudly offer guaranteed financing to those from Piqua, Troy, Sidney, and Dayton. This way, you do not have to search high and low for a dealership that approves you for an auto loan, wasting your valuable time. Instead, you can make a single trip to our dealership and know that you will be able to walk out with financing or drive away in your own vehicle thanks to that financing.

A Great Selection

Just like we understand that even those with poor credit scores or a limited amount available for a down payment need a vehicle, we do not feel that you should only have a handful [...]

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