The Importance of Quality Car Maintenance 

clean smile technician

While everyone knows the importance of car maintenance, what shouldn’t be overlooked is the importance of the quality of the maintenance.  It can be easy during tough economic times to ignore problems or routine car repair Cincinnati, but in the long run it will end up costing you more to fix the now much larger problem.  

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How Buy Here-Pay Here Dealerships Can Improve Your Credit


There are several advantages to visiting a buy here-pay here dealership. There’s the obvious benefit of being able to purchase a vehicle despite having a bad or subpar credit score. These businesses are also more likely to accept beater cars as down payments, a plus if you’re looking to get something for your old, barely-working vehicle. Believe it or not, these types of car dealers can also help improve your credit.

If you’ve been considering visiting your local buy here-pay here dealers in Cincinnati, Ohio, take a look at our post below. You may discover another incentive to avoiding your everyday dealership…

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Repair or Replace Your Car: Know Which is Best For You

Couple not having money

There’s always that time.   You hear that noise, feel that clunk and then smell that metallicy, mechanic smell.  Next comes a heavy sigh and you think, “Oh boy.  This one is going be expensive.”  

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How to Prepare When Taking Out an Auto Loan on Bad Credit

Woman sitting on sofa using laptop

So you may not have the best credit, but you are currently in the market for a new car.  You know your options are somewhat limited, but they are not entirely as bad as you think they are.

Before you assume all is lost, take a minute to breath and be positive about your choices, as you do still have some afforded you.

There are some definite things that will help you get back on your feet and in a better position to be improving your credit score.  

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The Truth About Interest Rates in Buy Here Pay Here Dealerships

Young couple meeting construction planner

So you’re in the market for a used car and have considered going through a Buy Here Pay Here Dealership to finance your deal.

You’ve done your research and you’ve weighed your options.  What you’ve found is that a Buy Here Pay Here dealership seems like the best and right fit for you.

That’s when people start swooping in with opinions to share with you, even though you didn’t ask, with stories from their brother’s cousin’s neighbor’s uncle who had a friend named Sally who had an experience once upon a time…

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Buy Here Pay Here vs. Bad Credit Car Loans: What’s the Difference?


When you need to purchase a car, but don’t have the best credit to do so, you might consider two financing options: buy here pay here or bad credit car loans.

The trick is sorting out which one is the better deal for you and understanding the differences between the two.

With Buy Here Pay Here financing deals, you can find and pay off your car loan in one convenient location.

Read on for a quick explanation of what buy here pay here financing means and how it’s different from bad credit auto loans.

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Bad Credit Can be Worse For Your Wallet Than a DUI

Bad Credit

Your credit score now has an impact on many parts of your life, whether it’s fair or unfair. It makes sense when a bank or landlord uses your score to determine whether you deserve an individual lone, but it makes less sense when it’s being used by a potential employer to determine whether you’d be a good hire.

It’s good to understand how your credit could be effecting your car insurance rates. The finagling process isn’t over when you secure an auto loan with bad credit. You’ll still have to deal with insurance companies, and some of their analytics and metrics may surprise you…

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Can I Buy a New Car with Bad Credit?


Few things are as exciting, yet often frustrating, as buying a new car. But the experience is all the more daunting if you find yourself struggling to secure car loans for bad credit.

If your credit has tanked and you’re stuck with a low credit score, don’t worry. You can still buy a new car with bad credit.

Here are some things to keep in mind…

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4 Things To Know About Down Payments


You’ve been wanting to buy a new car for a while now.  You’ve been patiently saving and you think you’ve finally enough to put as a down payment on the car you want.  A down payment is always a good idea, but you still have a couple questions about it.

How much should a down payment cost you?  Will good or bad credit affect your down payment?  What if you don’t want to put the full amount you’ve saved down?

Whether you have good or bad credit car dealers are likely to want to see a down payment of some kind.

A down payment can prove to be a useful asset in purchasing your next vehicle.

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The Pros and Cons of Working with Credit Counselors

Credit Issues

When you have a bad credit history and score, you have few financial options. Traditional lenders won’t give you the loans you need for things like a home or car, and subprime lenders will try to take advantage of your vulnerable state by charging you exorbitant interest rates and fees.

You can get affordable financing for reliable transportation by visiting bad credit car dealers like McCluskey Automotive, but that will only take care of one problem. What do you do to get the financing you need for other essential needs?

In the past 10 years or so, credit counseling has become a popular option for people looking for debt relief. Counselors can provide financial education to help people learn how to better manage their finances and get out of debt, or they can assist with a debt repayment plan.

Credit counseling isn’t the best option for everyone. Here are some pros and cons to consider before you seek out or sign with an agency:

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