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  Used Car Financing PA

At Best Used Cars PA, we make it easy for you to get a great rate on a car loan!

Low interest car loans are available for customers who want to refinance their existing loans. We can help you lower your payments or adjust the terms of the contract. You're just a step away from approved car financing!

No credit? No problem! We are committed to finding you the perfect car loan to suit your needs. At Best Used Cars PA, we have over 30 Banks available to help you rebuild your credit and finance your next vehicle.

You can apply for your car loan online with one of our secure finance forms. Here are some great tips that will help you rebuild your credit:

1. Correct blatant mistakes on your credit report. Your credit score is only as good as what shows up in your report. Review your reports from all three credit bureaus for accuracy once a year as well as several months before applying for a loan. Changing a mistake on your report - such as a payment that is wrongly labeled as late -- can take 30 days to three months, sometimes longer.

2. Make sure to pay your bills on time. This is always a good practice, and it's especially critical that you make prompt payments close to the time you need a loan. A late or missed payment in the last few months is likely to lower your score much more than an isolated late payment five years ago.

3. Reduce your credit card balances. A heavily weighted factor in your FICO score is how much money you owe on your credit cards relative to your total credit limit. Generally, it's recommended to keep your balances at or below 25 percent of your credit card limit, said Jeanne Kelly, founder of The Kelly Group in Brookfield, Conn., which helps clients improve their credit scores.

4. Pay off debt rather than moving it around. Since the ratio of your credit card balance to your credit limit is key, closing out an account and transferring the balance simply means you increase that ratio, which is likely to lower your score. In other words, say you owe a total of $2,000 across four credit cards, each of which has a $2,000 limit. Your total credit limit is $8,000, of which your total balance ($2,000) accounts for 25 percent. If you transfer all your balances to two cards and cancel the other two, your total credit limit is reduced to $4,000, and your $2,000 balance now accounts for 50 percent of that limit.

5. Don't close unused credit card accounts near loan time. If you have several credit card accounts but are only using a few of them, you'll only raise your balance-to-limit ratio if you close the unused ones. You also shouldn't open new accounts when applying for a loan if possible. If you have a short credit history or very few accounts, opening a new credit line may lower your score since you don't have a proven track record. said Jan Davis, an executive vice president at TransUnion. What's more, a new account would lower the average age of your accounts, another possible factor in your FICO score.


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