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If you’ve tried to get a car loan lately, you’ve probably noticed it feels tougher than ever. A lot of people are finding out the hard way that their credit isn’t as strong as they thought, especially once student loan payments kicked back in.

We’re calling it the “repo apocalypse.” Sounds dramatic, but it’s real. When student loans came out of forbearance, credit scores dropped, repossessions started climbing and suddenly way too many people are getting told “no” at dealerships all over Cincinnati.

But here’s the thing. If you feel stuck like your credit score just tanked and you’ve got no options, you’re exactly who we can help.

Why So Many People Are Getting Turned Down

For a few years, student loans were frozen. That meant a lot of credit scores looked higher than they actually were. When the freeze ended, millions of people got hit at once. Some saw their scores drop 100 points or more overnight.

Now dealerships and banks are playing it extra safe. If you’re in the subprime bucket, most of them won’t even give you a shot.

Why We’re Different

At Cincinnati Auto Credit, we don’t just look at a number on a screen. We sit down with you, figure out your actual situation and work from there. Student loan debt doesn’t automatically disqualify you with us. What matters is whether you can handle a realistic car payment.

We’ve Seen This Before

This isn’t our first rodeo. We’ve been around for over 30 years, and we’ve helped people get into cars through the 2008 crash, the COVID mess and plenty of other tough times. We’ve got the repo apocalypse covered too.

We can’t promise we say “yes” every single time, but for most people, we do. And that’s because we actually take the time to listen instead of just hitting decline.

What You Get Here

At Cincinnati Auto Credit, every car comes with a 12-month, 15,000-mile limited warranty. Think you’ll get the same deal from your neighbor selling their used car? And we make sure down payments are affordable and monthly payments are something you can actually manage. From the start, we sit down and have a real conversation about what works for your budget, so you don’t waste your time. And best of all, you get upfront answers without the runaround.

Don’t Give Up on Getting a Car

We get it. Getting denied at multiple dealerships is exhausting. But don’t give up and settle for Uber rides, borrowing cars or stressing over an unreliable clunker.

If you think you can’t get approved, think again. Stop in, give us a call or apply online, and give us a chance to get you back on the road.

Because at the end of the day, everyone deserves reliable wheels.