Buy Here Pay Here Lots In Dayton Ohio [BEST]
While there are many buy here pay here used car dealers in Dayton, there are none that will surpass our combination of customer service, selection and price. We are proud of our A+ Used Car Dealer rating from the Dayton Area BBB. Our experienced staff is eager to share their knowledge and enthusiasm through our buy here pay here used car purchasing process. Browse our inventory online of Dayton used cars, used trucks, used SUVs and more to find the right vehicle for you.
buy here pay here lots in dayton ohio
Car-N-Credit provides auto loan services to accompany our selection of used cars near Dayton. Our buy here pay here services will surpass your expectations. We guarantee your guarantee your credit approval with no credit check on all of our Dayton used cars. We always educate our used car customers on every auto loan provided. We do this to ensure your satisfaction with your used car purchase. Not all buy here pay here used car dealers near Dayton are the same. Our loan terms a shorter, therefore boosting your credit score quicker. This only one of the many advantages of purchasing your used car from Car-N-Credit.Our website is a great way to begin your used car buy process. We provide complete details of each individual used car on our site so you can make an easy decision. View our Buy here pay here used cars available to Dayton, Ohio.
People of Dayton, are you ready to upgrade your car? Trading in your vehicle can be a great way to save money on a down payment if there's equity in it. Don't worry if you're upside down, though, you can still trade in a car as long as you make up the difference between the vehicle's value and what you owe on your loan.
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Ohio law requires all retail installment contracts to be in writing. If you are using a third party lender, be sure the paper work that is being printed during the loan application is compliant with all Ohio laws in addition to all Federal laws. If you are operating a buy here pay here dealership be sure the documents completed by your attorney for you to use on every transaction are compliant with all Ohio and Federal finance laws.
When helping your customers gain financing you also must follow the Federal Equal Credit Opportunity Act. The Equal Credit Opportunity Act ensures that all consumers are given an equal chance to obtain credit. Factors such as income, expenses, debt, and credit history are still taken into consideration when approving or disapproving credit. Anyone involved in granting credit, such as automobile dealers who arrange financing through third party lenders, automobile dealers offering buy here pay herefinancing, and motor vehicle dealers acting as the lien holder of financed motor vehicles must follow the Equal Credit Opportunity Act.
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When it's time to find a new ride, there are a lot of questions you need to answer. In this blog series, we will help guide you through the questions you should ask yourself as well as provide useful tips and tricks along the way. In our first installment of the series, we discuss the benefits of buying a brand new vehicle (instead of used).rnrnTaking advantage of financing and incentive offersrnThe manufacturers of the brands sold through the SVG Motors auto group (Chevrolet, Buick, GMC, Cadillac, Chrysler, Dodge, Jeep, Ram, Toyota and Mercedes Sprinter) offer shoppers special financing incentives, like money off the MSRP or low interest rates during a promotional period. During certain times of the year, it's not uncommon to be able to find new vehicles with prices that rival used vehicles.rnrnCredit challengesrnCustomers who are credit-challenged may find that it is easier for them to secure a loan on a brand-new vehicle. This is because when banks see you as a risk due to bruised credit, they must make the assumption that they may have to repossess the vehicle at some point. If you've gotten a loan on a new vehicle instead of used, the bank will feel more secure that a new vehicle will retain its value better than a used vehicle (thereby minimizing their risk in lending to someone with a poor borrowing history).rnrnGetting the EXACT vehicle you wantrnWith the vast inventory available through the network of SVG Motors locations, it's pretty likely that you'll be able to find the exact vehicle you want with the right features in the right color. If by some chance we don't have your dream vehicle, when you're buying new, you can always order a brand new vehicle and customize it exactly how you want it.rnrnPeace of mind rnIt's not a surprise that pre-owned vehicles need maintenance and/or repairs. New vehicles need maintenance as well, but most manufacturers provide free maintenance for your brand new vehicle for a limited time which can save you money right away. Of course if something does go wrong and an issue creeps up with the drivetrain, manufacturers will honor a warranty so that you don't have to pay for a wide range of repairs.rnrnSummaryrnWhile the process of shopping for a new (or newer) vehicle are similar, choosing to buy a brand new vehicle offers you unique opportunities that buying pre-owned do not. When you want complete warranty coverage (without the additional cost of paying for an extended warranty), the ability to get the exact features you want, and the potential to save thousands with rebates and incentives, choosing to buy brand new might be the best fit for you. If you're ready to start test driving some new rides, contact any of our sales professionals at SVG Chevrolet in Greenville, SVG Chevrolet Buick GMC in Urbana, SVG Chevrolet Buick GMC Cadillac in Washington Court House, SVG Chrysler Dodge Jeep Ram in Eaton, SVG Chrysler Dodge Jeep Ram in Greenville, or SVG Toyota in Washington Court House or call our sales hotline at 937-548-7643.rn
First, evaluate your own personal credit situation. There are many things that can lower your credit score but are "forgivable" enough that banks will usually work with you. These are called situational credit problems. For example if you:
rnrnThe key to obtaining a vehicle loan when you've had situational credit hiccups is to explain to your loan officer how and why those circumstances happened. Many lenders will understand that sometimes, despite your best efforts, you might need to make a few payments late. Ask your lending officer to look at your entire credit history, and not just your score. By seeing that you were responsibly making payments until a situation happened, and then resumed your on-time payments after the situation was resolved, your lender will see that your credit bump was a temporary problem.rnrnHabitual credit problemsrnrnWhen you've had chronic problems making your payments on time, or had problems with having high credit card debt consistently, be prepared to explain why. A long-term history of late or missed payments is an intimidating risk for lenders. They want to be assured that they'll get the money back that they've given to the dealership to buy your car for you. Your best bet is to spend a few months diligently working to make your payments on time before applying for a loan. If you have a high amount of credit card debt, try to reduce your balance to the point where you owe less than 30% of your available limit. For example, if your credit limit is $1000, it is best practice to never have a balance higher than $300 at any time. However, there are many lenders who specialize in offering vehicle loans for those with low credit scores, so don't be discouraged! Also, did you know that it's often easier to get a loan on a brand new vehicle instead of a pre-owned when you have credit issues? The SVG Motors Auto Group includes several new car dealerships and brands, including Chevrolet, Buick, GMC, Cadillac, Chrysler, Dodge, Jeep, Ram and Toyota so no matter what your situation is, the professionals at SVG will do their best to get you into a new (or newer) ride.rnrnRegardless of what your situation is, SVG Motors will try to help you get approved for a loan for a new vehicle. We have a lending specialist that works with all types of people with bruised credit so they can help you navigate to the best deal. Always remember, SVG is not a buy-here-pay-here lot, but our financing experts are ready to go to work for you to help you obtain the credit you deserve for a reputable lender. Your first step in getting that new ride is to fill out the Pre-Approval form on our website, which you can find here.rnrn
Ohio Motors, is an original buy here pay here lot in Cincinnati. We specialize in low payments and easy down payments on all our used cars. We finance on the lot and our buy here pay here inventory includes used cars for reliable transportation, used vans for the growing family, used trucks for the big jobs, and used SUV's with four wheel drive to navigate the Cincinnati hills. We offer buy here pay here for Boone, Kenton, and Campbell counties in Northern Kentucky. Ohio Motors can finance Lawrenceburg Indiana customers with credit needs, as well as Cincinnati from Mason to Price Hill and Woodlawn to Anderson. Our selection of quality used cars, reliable used trucks, versatile used vans, and dependable used SUV's are fully serviced and ready to fit your car payment goals. 041b061a72