If you feel like the wheels have fallen off financially, you're not alone.

Every month, we're seeing more people who are dealing with a car payment they simply can't afford anymore. Some bought their vehicles during the crazy days of 2021 and 2022, when cars were in short supply and people were paying thousands of dollars over sticker price just to get one. Now the market has changed.

That car you paid way too much for a few years ago may be worth considerably less today. You might owe more than it's worth, which makes trading it in almost impossible. And when the payment is too high, something eventually has to give.

For some people, that's meant falling behind on payments. And eventually, the repo truck shows up.

You're Not the Only One

At Cincinnati Auto Credit, we see people from all kinds of financial situations.

Maybe you have a repossession and your credit score has taken a hit. Maybe you're upside down on your current vehicle, you lost your job, had your hours cut or got hit with an unexpected expense. Or maybe you've simply been making a car payment that was too big from the beginning.

Whatever happened, we want you to know that this is your “now.” It is not your “forever.” And you don’t need perfect credit to finance a car.

The Lending World Has Changed

If you've tried getting financing from a traditional bank, credit union or finance company recently, you may have already noticed that things aren't as easy as they used to be. Underwriting has gotten tighter. Lenders are being more cautious about who they approve and how much they're willing to lend. That means more people who might have been approved a few years ago are getting told no today. And if you've already been turned down once or twice, it's easy to assume there's no point in trying again.

Don't.

We don't believe a three-digit credit score tells us everything we need to know about you. We've been doing this for more than 30 years. We've seen people go through job losses, divorces, medical bills, repossessions, bankruptcy and plenty of other financial setbacks. We've also seen those same people get back on their feet.

That's why we look at your situation individually.

You Still Have Places to Go

Here's the thing about needing a car: Your life doesn't stop because your credit took a hit.

You still have to get to work, pickup the groceries, get the kids to school and soccer practice. You still have appointments, errands, family responsibilities and a hundred other places you need to be. And you deserve a dependable vehicle to help you do all of that.

At Cincinnati Auto Credit, we'll work with you to find a vehicle and payment plan that makes sense for your current budget. Every vehicle comes with a 12-month/15,000-mile limited warranty, giving you an additional layer of protection while you're getting back on your feet.

We're not going to tell you that everyone gets approved. We don't believe in making promises we can't keep.

What we will do is give you a chance.

Your Past Doesn't Have to Define Your Next Car

Good people make bad financial decisions sometimes. And sometimes, other people’s bad financial decisions end up hurting your credit. Whatever happened, it doesn't mean you're stuck there.

So if you're sitting at home thinking, "There's no way anybody is going to approve me," we want you to think again.

Come talk to us. We'll look at where you are today, what you can realistically afford and what we can do to help you get back on the road. Because you don't need perfect credit. You need a chance. And we’re in the business of giving people a chance.