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.
What 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.
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.
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, [...]
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 [...]
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:
Remember that building credit is a slow-and-steady process, and
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. [...]
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 [...]
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 [...]
At Car-N-Credit, we have an excellent selection of sedans that you can get with low weekly payments. We strive to make it possible for everyone to drive their own car, regardless of their financial situation or credit score, which is why we offer weekly payments in addition to other financing options. Our sedans are incredibly popular, or you can opt for a van, truck, or SUV.
We Offer Weekly Payments to Help You
We chose to offer weekly payments in addition to biweekly payments and traditional monthly options to accommodate customers’ busy lifestyles. With weekly payments, you will be able to rebuild your credit score more quickly since we report to the major credit bureaus. Weekly payments even have an added benefit in terms of managing your finances.
Used Ford Fusions
One of the many sedans you can find at Car-N-Credit is the Ford Fusion, with your choice of various model years at any given [...]
For those on a budget or with less-than-stellar credit, Car-N-Credit is the Ohio buy here pay here choice. This dealership has an established reputation in the community, delivering the reliability you need to have confidence in your purchase and customer service. Over the years, we have developed a strong reputation for helping everyone find the auto that fits their needs and gets them to their job, regardless of their credit score. We make it easy to get an automotive loan without any credit checks. We even have same-day delivery and report back to the credit bureaus to help you improve your credit score for all your future purchases.
A Short Drive from Dayton, Greenville, Troy, and More
Car-N-Credit is located in Piqua, Ohio, making it easy for those from all over Miami Valley to reach us. Whether you are in Dayton, Greenville, Troy, or another nearby town, Car-N-Credit is only a short drive away. This [...]