Car Dealer Blog

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. 

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. 

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. 

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. 

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 [...]

During the hot summer months, nobody wants to get all sweaty on their drive to work or church or even just the grocery store. Rolling down the windows works sometimes, but what about those extra hot and humid days, or when it’s raining, or when your passenger is trying to make a phone call but can’t hear because of the wind?

If your AC is not blowing as cold as it used to, the good news is that it may not cost as much as you think to get your air conditioning cold again. In fact, depending on the issue, you may be able to do it yourself with an AC recharge kit for only $25 and 15 minutes of work.

A common problem with air conditioners is that over time slow leaks can develop in the AC lines or connectors, and eventually there is [...]

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 [...]

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 [...]