cars in miami,fl?

Any car place that has "credit" in their name should be avoided. They are a buy here pay here place. That means overpriced cars and high rates. Most people that buy from buy here pay here places pay between $400-600 a month for subpar cars.  If the car quits running, no problem, you still owe.

There are a lot of people who have weak or poor credit who use these kind of dealers because they have no other choice. 90% of the time, it proves to be a very bad idea. Because the cars often quit before they finish paying ensuring 7 more years of bad credit.

Now, larger dealers can get people with somewhat weak credit financed with subprime lenders. There are levels of credit. Scores under 600 are the worst and they get reamed no matter where they go. Places with "credit" in their name usually finance people with scores under 500 who have had bad credit for many, many years. Many have often had very recent repos.  I have a friend who has a buy here pay her car lot and he has customers who refuse to pay until he repos their car. So when he needs money to pay his bills, he and a worker go out and repo cars. And within a day or two, many of them will come in and pay...at least however much they were behind. Usually 2 months worth. He adds the repo fee to end their note knowing that for many he will never collect it....Show more