Category: buy here pay here

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At Car N Credit, we know how nerve-wracking purchasing a vehicle can be. Particularly if you have a poor credit rating. That’s why we make it a priority to hire knowledgeable and friendly staff. Because our friendly staff is the key to our business. 

Welcoming/Knowledgeable Staff

Right when you arrive at Car N Credit our staff is there to walk you through the car-buying process. We welcome you to our dealership with open arms and get to know you. You are more than a sale, or a way to make a bottom line. We treat you like we would treat our own family and friends. We don’t want you to walk away with debt you can’t handle and a car that doesn’t work. We want to get to know your needs before you even sit in one of our cars. 

Assist with Your Needs

Because we care about you, we want to make sure that [...]

If you have bad credit, or have had bad credit in the past, you know how difficult it can be to find a reliable car at a price you can afford. Thankfully, at Car-N-Credit, you can have both. We have a well-rounded selection of used cars, competitive financing options, and a friendly staff. All of these things make Car-N-Credit the top choice for those seeking a buy-here pay-here dealership in Ohio. 

Wide Selection of Used Cars

Just because you have bad credit doesn’t mean you shouldn’t be able to get a reliable and affordable car. Car-N-Credit has a wide and well-rounded selection of used cars that you can choose from. Our inventory includes some of the top car brands on the market such as, Honda, Ford, Toyota, Nissan, Kia, and more! Take your pick from  a wide range of coupes, sedans, crossovers, and trucks. Whatever your lifestyle, we have a vehicle that is sure to [...]

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 [...]

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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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, [...]

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 [...]

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 [...]

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 [...]

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