Author Archive: Ryan

While some people dream of buying a new car, opting for a used model instead makes a great deal of sense, especially financially. Between the money you will save, the peace of mind you get from not having to worry about totaling a new car, and the range of options you have to choose from, buying a used car will deliver plenty of benefits.

The most obvious benefit of buying a used car instead of going with that shiny new model is the money you save. In fact, this is the main reason most people who purchase a used vehicle do so. Just at the time of the purchase, you will save a few thousand dollars right away. Don’t forget that because of the lower purchase price of a used car, you [...]

When you are in the market for a used car, you will have a lot of options available. For those in tough financial situations, buy here pay here financing is the perfect solution. You will be able to get an automotive loan that you can afford and end up with the transportation you need to get to work and run errands. Best of all, you will still have an excellent selection of vehicles to choose from.

Although anyone can take advantage of buy here pay here financing, this type of auto loan was specifically designed for those with poor credit. We don’t have credit checks and make it easy to get an automotive loan no matter your current credit situation. To make it even better, buy here pay here financing can actually boost your credit rating. At Car-N-Credit, for example, we report monthly to the credit bureau, letting them know that [...]

You know you need to have car insurance before purchasing a used vehicle. Even so, the average person is intimidated by the process of finding the right insurance since there are so many options available and they can be challenging to compare. You may be surprised to learn just how easy it is to get affordable car insurance that covers you completely, but it is definitely possible and simple if you follow these tips.

Perhaps the most important part of buying car insurance is choosing which insurer to go with. As a general rule of thumb, you should do some research ahead of time and choose an insurer with a good customer rating. While comparing premiums will give you some information, it doesn’t tell the whole story. After all, some insurance companies may occasionally make you pay extra, make lowball loss estimates, or encourage the repair shop to cut corners. It [...]

Car-N-Credit is part of the Paul Sherry family of dealerships and is your “buy here pay here” automotive dealer. You can find a wide range of vehicles with options for everyone and, since you get your auto loan right on site, the entire process is smooth and stress-free. Anyone can apply for an auto at Car-N-Credit, but here are just a few of the people who will want to strongly consider buying from us.

Anyone who wants to drive a reliable vehicle around Piqua and the surrounding Miami Valley area can apply for their auto at Car-N-Credit. We have cars, trucks, SUVs, and vans, so you should have no issue finding the type of model you want. All of our vehicles are reliable, and we [...]

Searching for a car with bad or no credit isn’t an issue with some help from Paul Sherry Car-N-Credit. We are the best place to search for a used car in the area and we make it easy to buy here and pay here. We specialize in bad credit, meaning we can accommodate anyone, regardless of your credit score. In addition to our excellent rates, Paul Sherry Car-N-Credit offers a few factors you simply won’t find at all dealerships in the area.

At Paul Sherry Car-N-Credit, we pride ourselves on friendly customer service, no matter what type of vehicle you are looking for or how much you plan on spending. Our goal is to get you behind the car you want, which is why we will happily answer any questions [...]

Even with great credit and an excellent auto loan, you don’t want to waste money by buying the wrong used minivan. Just like some new models will do better than others, the same is true for used ones. Certain brands tend to be more reliable as they age or simply last longer, making them better options in the hunt for a used minivan. Instead of worrying about which one you should buy, just follow this list to discover which models you should consider.

The Toyota Sienna’s second generation ran from the 2004 to 2010 model year, and the minivans right at the end of this generation are excellent choices for used minivans, earning the top rankings from industry experts. The 2009 and 2010 models, in particular, stood out for their available all-wheel [...]

If you have an auto loan, then this will obviously impact your credit score in some way. What you may not realize is that paying it off early won’t necessarily raise your credit rating. Paying off a credit card debt would have that sort of positive impact. However, loans on installment plans are considered differently in your credit report and score, meaning that they are unlikely to boost your score significantly.

How It Affects Your Credit Score

While paying off your car won’t necessarily help your credit score, it won’t hurt it, either. It may have a small impact on your score in a positive way, but it shouldn’t be enough to make a difference when getting loans or opening lines of credit in the future. To understand how your auto loan affects your credit score, you need to understand a few important things. Your credit score will typically be better if you have multiple [...]