Understanding Credit

What is a Credit Score?

If you live around Hazelwood and are thinking of making a big purchase, you may be wondering what a credit score is or which car dealerships work with bad credit. Luckily, All Star Dodge Chrysler Jeep Ram has all the information you need. Your credit score is a three-digit number that is unique to you and your financial history. Your credit score will affect whether or not you are approved for a personal loan, mortgage, car loan, or credit card in Bridgeton and the interest rate you will pay on that loan. To learn more about your credit score and the finance options available to you, read our guide below and contact our finance center today!

How Can I Improve My Credit Score?

Your credit score is typically the best predictor of how you will repay your loan in St. Louis. A person with a higher credit score is generally offered a lower interest rate while those with lower scores may still be approved but with a higher interest rate. If you have a bad credit score or a low credit score, you may be wondering “How can I improve my credit score?” The answer is easier than you think. If you’re looking to improve your credit score, follow these steps:

  • Pay your bills on time: Paying your bills in full and on time will greatly improve your credit score, even if it’s for a smaller amount.
  • Pay off your debt: The sooner you can pay off your debts, the quicker your credit score will increase.
  • Keep your credit balances low: Keep the balance on your credit cards low to pay them off easier and keep your payments minimal.
  • Avoid opening multiple credit cards: Having a few credit cards is fine, but having a lot of open credit cards can be a red flag to lenders.
  • Finance with a dealership that works with bad credit: Car dealerships that work with bad credit have special lenders and financing options available. By working with dealerships like All Star Dodge Chrysler Jeep Ram, you can improve your credit score while getting the vehicle you need.

Credit scores will range from 300 to 850. A person with no credit history at all will have a score of 0. Staying aware of your scores is important, as is understanding how that score is figured to help you improve your credit history and impact what you would pay in interest for financing.

Refinance a Car Loan With Bad Credit

As you work to improve your credit score, you may find that new interest rates become available to you in Florissant. If you’ve been working to improve your credit score, you may be able to refinance a car loan with bad credit. Refinancing your car loan can lead to smaller monthly payment and lower interest rates.

Finance Your Next Car With All Star Dodge Chrysler Jeep Ram

Now that you know the answer to “How can I improve my credit score?”, visit All Star Dodge Chrysler Jeep Ram near St. Charles to see our new vehicle inventory. While you’re here, you can also apply for financing and meet with our finance experts to refinance your car loan with bad credit or find a payment plan that will improve your credit score while also getting you the car you need.

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(314) 373-7522

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11503 St Charles Rock Rd • Bridgeton, MO 63044

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All Star Dodge Chrysler Jeep Ram

11503 St Charles Rock Rd Bridgeton, MO

Phone: (314) 373-7522

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Phone: (314) 373-7522

11503 St Charles Rock Rd Bridgeton, MO

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Phone: (314) 373-7522

11503 St Charles Rock Rd Bridgeton, MO

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Phone: (314) 373-7521

11503 St Charles Rock Rd Bridgeton, MO

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11503 St Charles Rock Rd Bridgeton, MO
38.7427432 -90.4068732
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All Star Dodge Chrysler Jeep Ram
All Star Dodge Chrysler Jeep Ram
11503 St Charles Rock Rd
Bridgeton, MO, 63044 US
(314) 373-7522
https://di-uploads-development.dealerinspire.com/allstardcjr/redevelopment052019/uploads/2019/05/AllStarDodgeChryslerJeepRamOGImage.png
All Star Dodge Chrysler Jeep Ram 38.7427432, -90.4068732.