Cronin Kia
Service: (513)367-5300
Parts: (513)367-5300

Understanding Credit


An Important Number

Your credit score is a three-digit number credit bureaus develop by evaluating the information on your credit file. Along with your credit history, it has an impact on whether or not you are approved for a mortgage, car loan or credit card and what interest rate you'll pay.


Lending Industry Standard

A borrower's credit score has been proven to be the best predictor of the borrower's repayment performance. The three major credit bureaus generally use a formula developed by the Fair Isaac Corporation (FICO) to analyze the credit information they have on file for you. Your FICO score is what most lenders use to determine the interest rate you'll be offered. Borrowers with high credit scores are usually offered lower interest rates, while those with lower scores may still get credit but will have a higher interest rate.


Figuring Your Score

The three major credit reporting agencies may each assign you a different credit score, based on the specific information each has on file. But they follow a similar method to come up with that number, which range from 300 to 850. The median credit score in the United States is 723. Knowing your FICO score and understanding how it is calculated can help you improve your credit profile and thus affect what you pay for financing. 



Today's interest rates are still low, so if you feel your rate is too high on your current auto please give us a call at (513) 367-5300 to see if Cronin Kia's Finance Department can help you save money on your car loan. Contact one of our finance experts today for low rates and refinancing options on your vehicles.



If you have experienced a bankruptcy Cronin Kia wants to help. We work with many lenders and banks. We will work hard to help you find the best  interest rate and help you start to rebuilt your credit. Because of our low prices many times we are able to get your loan approved even if others have failed in the past. Getting a car loan after Bankruptcy is possible, our team will work hard to find the best options for you.

Sales Hours

Monday 9:00 am - 8:00 pm
Tuesday 9:00 am - 8:00 pm
Wednesday 9:00 am - 8:00 pm
Thursday 9:00 am - 8:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 6:00 pm
Sunday 11:00 am - 4:00 pm


Thank you for your dedication!

September 19, 2017

Josh is great working you in and explaining the repairs and cost! Thank you for your dedication!

I recommend anyone looking at a Kia, to go talk to Ben.

September 13, 2017

Ben Lawhorn took his time with us and taught us how to use all of the new technology that our Niro has, he was very knowledgeable about the car and functions. I recommend anyone looking at a Kia, to go talk to Ben.


September 12, 2017

Awesome! Ryan Godley took care of us!!!...Followed by a great sales team to finish the deal. We were treated well and feel that we have a great new car!

Thanks guys for all you do

August 16, 2017

I had a very pleasant experience once again, I was able to purchase yet another vehicle from Cronin Kia this past Saturday. A big shout out to Mike Monroe who was a salesperson and Rich who was our finance guy and previous salesperson. It is always a pleasant experience at Cronin Kia. Never have I ever had such experiences when purchasing a vehicle. There is never any pressure, they are always courteous and allow us time to really find the car that is best for us. Thanks guys for all you do.

Awesome! Clean! New!

August 14, 2017

Awesome! Clean! New! . Relaxing! Service took @ 1/2 hour, but the environment was so comforting that it seemed like only 10minutes. I really didn't want to leave.

Jeff Harper was an awesome salesperson

August 13, 2017

Jeff Harper was an awesome salesperson who made the buying of our Kia Sportage easy and effortlessly. Him and the rest of the staff made it possible for us to stay within our budget and get the vehicle we wanted.

I recommend this to dealership to everyone

August 9, 2017

I purchased my 3rd Kia Sorento from Cronin Kia. I sure didn't expect the service and customer appreciation that I received from Jeff and Rich. They are awesome and I recommend this to dealership to everyone.


August 8, 2017

I just wanna say thanks to Ryan Godley for helping me out and setting me up with my new Kia Forte!

the best experience of car buying I have ever had

August 1, 2017

I just purchased a 2017 Kia Sportage from Cronin Kia. It was the best experience of car buying I have ever had. Ryan Godley was the sales representative. He was very attentive to our needs and answered all of our questions. The best part is that he never pressured us. The rest of the team was just as great. There was no haggling of price as they already had a rock bottom deal. The finance department was quick and great. From the time we agreed on the price till the time we left this morning was the shortest amount of time it has even taken me to drive off the lot. If you are looking for a dependable and highly rated car - buy a KIA. If you want the best buying experience make sure you go to Cronin Kia in Harrison, Ohio Oh yeah, I have an awesome warranty and free oil changes for the life of the ownership.

Amazing new dealership!

July 31, 2017

Amazing new dealership! And the people are great!

always a positive experience

July 21, 2017

Third Sorento I've bought at Cronin Kia always a positive experience. I highly recommend the dealership and continue to refer friends and family. Mike Monroe delivers exceprional sales service. Adam took extra time with me to review the best loan option. Rich also did a great job helping me with the finalization of the purchase.

My first new car experience!!

July 21, 2017

My first new car experience!! If 5 stars is the best rating , I would give Jeff 10 stars!! Truly a wonderful salesman, not at all pushy, just genuinely concerned about my wishes.. Rich also went above and beyond, extremely friendly and knowledgeable. I love my Kia Soul and so far Cronin Kia is tops with me!!!

Stress Free Experience

July 21, 2017

We just bought a Kia Sedona from Cronin Kia and it was a great experience. Jeff Harper and Adam Minges we're easy to work with and made the experience stress free. Jeff Harper is an expert and goes above and beyond. We bought our car near closing time and Jeff stayed until 11pm to make sure we knew everything about our new car. I highly recommend this dealership.

Where do I start!!

July 21, 2017

Where do I start!! This dealership is absolutely awesome!! Set out in Harrison between cornfields it is peaceful and quiet. When you arrive you are not run over by salesman. You can leisurely look around. JEFF was our sales person and he was an amazing young man. He has the warmest personalality and not pushy at all. He was able to answer questions and took us on a nice test drive. ANDREW was involved and then we met RICH who helped with the paperwork. I would highly highly recommend Cronins to anyone looking for a vehicle. Their honestly is upfront and no hidden surprises. Truly I will be buying all my cars from Jeff at Cronins and I intend to have my services done there to! Goes Bless you guys for being so great!! Thank you ANDREW,JEFF AND RICH!

Easy to arrange service, easy to drop off.

July 21, 2017

Easy to arrange service, easy to drop off. They called when it was done. That's what I want in service! That's what I got. It was recall work that was offered a couple of years ago that I put off. They took care of both outstanding service issues, when I only called about getting one done -- at no cost. Great job!

Great experience

July 24, 2017

I had a Great experience when i bought my Kia Soul from Jeff at Cronin. He was very knowledgeable and very friendly. Rich in finance was very helpful getting my payment where it needed to be. Thank you and I will tell all my friends.

I had the best experience buying my new (used) car

June 19, 2017

I had the best experience buying my new (used) car from Cody. Not the traditional car dealership experience I've had in the past. It was nice, simple and easy. Thanks!

easy and painless

June 19, 2017

Jeff Harper made the process easy and painless. I called him earlier in the day to let him know I didn't have a lot of time that night and wanted to make the purchase as seemless as possible and he did just that. Thanks to him and Rich for wrapping up the process quickly and getting a new set of wheels for me.

I would like to thank Dave and whole staff!

May 22, 2017

I would like to thank Dave and whole staff! They were very honest and straight forward.

I will be buying from Cronin Kia again!

May 17, 2017

Mike, Rich, and Mark were very helpful and patient. They made my wife and I feel comfortable and confident with our choice. We drove away with a great deal on a 2016 Kia Soul. The Cronin team takes very good care of it's customers. Thanks again, Mike, Rich and Mark! It was a great car buying experience from a reputable and respected dealership. I will be buying from Cronin Kia again!

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