Category: buy here pay here

Car dealerships rely on credit scores to determine if customers are eligible to receive a car loan. But what credit score do they use? What is your likelihood of approval? And what happens if you have no/bad credit? Our team at Car-N-Credit is here to answer all those questions and more!

When purchasing a car, most car dealerships run your credit score to determine if you are eligible for a loan. These scores come from a variety of different credit bureaus (TransUnion, Equifax, and Experian) that collect data from creditors. Based on the length of your loan, the remaining balance, the payment history, and the monthly payment, you are given a credit score. This credit score is a measure of how “risky” it is to offer you a loan. Most car dealerships use the FICO Score 8 scale to determine your eligibility for a loan.  

Welcome to Paul Sherry Car-N-Credit! Choose us for our reputation and what our customers say about us. With an A+ score in our customer reviews, we clearly offer our customers top services.

It’s our mission to make sure you find your next car with us. With several services areas, excellent customer service, and a wide selection, you will get a vehicle and a car loan that’s best for your needs.

When applying for your loan at Paul Sherry’s Car-N-Credit, know that we will take care of you. We have strong connections with regional and national banking institutions to help offer top-value vehicles in the region.

We are also a long-standing member of the Dayton community and the surrounding areas. Because of this and our extended reach, we have great purchasing power that we pass on to our clients.

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At Car-N-Credit, we understand that you are more than your credit score. That’s why we offer car loans for everyone! No matter what your credit score is, we have a loan arrangement that will work for you. With multiple serviced areas, friendly staff, and a selection of vehicles you are sure to find a vehicle and a car loan that works for you.

As a long-time member of the Piqua area, Car-N-Credit has been able to form many connections to local and national credit unions and banking institutions. Because of this, we are able to offer car loan options to people with any range of credit scores. Bad credit, good credit, no credit—we take it all! Our phenomenal car loan options are available to anyone living within 60 miles of Piqua, Ohio. This includes residents in the surrounding areas such as Dayton, Troy, Sidney, Lima, Vandalia, Urbana, Springfield, Greenville, [...]

When you have a credit score under 500 it can be difficult to find a dealership that is willing to work with you, is reputable, and won’t try to send you off with a crappy car. Thankfully, for people living in the Piqua, Ohio area, this doesn’t have to be the reality. With Car N Credit, you can get a car loan with a credit score under 500. 

Car N Credit prides itself on its friendly and knowledgeable staff. Right when you arrive at Car N Credit, our staff is there to walk you through the car-buying process. You are more than a sale, or a way to make a bottom line. 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. 

At Car N [...]