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


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!

Really appreciate this guy.

May 9, 2017

We actually bought from the Ford store but Rich from the Kia store helped get our process finished up. He came over to help with the financial piece so we could get our toddler home as it was getting very late and we had been there for several hours. Everything was explained quickly yet thoroughly and I felt he was very honest with us about it all. Really appreciate this guy.

I was so pleased I bought the car and went home with it that day!

April 28, 2017

Found a car online, called the dealership to set up for a test drive. When I arrived the car was already sitting up front waiting for me! I got to get in a do a test drive it right away. Mark zinser was very helpful and made the process easier. I was so pleased I bought the car and went home with it that day! I will come back again for future purchases!

Great Car Buying Experience!!!

March 17, 2017

Great Car Buying Experience!!! If you need a new car go see Rich Underwood for a great no hassle experience

Cronin cares about their customers and will go the extra mile to make sure you are taken care of.

March 1, 2017

I am so thankful for the service I have received at Cronin. I had a negative experience with a used car that I purchased from the dealership. When I spoke with the general manager, Eric Koren, about the situation he was very understanding and offered some solutions. Eric introduced me to sales associate, Mark Grome. Mark was extraordinary. He cared about making sure I found the right new vehicle. After I made my purchase Mark took the time to show me the things I needed to know about the vehicle. Cronin cares about their customers and will go the extra mile to make sure you are taken care of. Anyone looking to purchase a Kia, go see Mark Grome! Thanks Eric and Mark!

They went above and beyond the call of duty to get financing for me...

March 1, 2017

Richard U. and Greg made my visit wonderful. They went above and beyond the call of duty to get financing for me as mine is not excellent. They spent an hour submitting inquiries and they got the job done. And then to top it off, a few days later, Rich gets a belated reply on financing which cut my APR by almost 33% and will save me north of 3K in total payoff. Not sure what more to say. They didn't hassle me and I felt very much in control of the buying experience.

Best car buying experience I have had to date!

February 28, 2017

Best car buying experience I have had to date! Michael Monroe is amazing and truly cares about his customers and not just making the sale. He was very honest and even went out of his way to follow up after the sale was final.

No pressure at all.

February 23, 2017

Went in with little hopes to be able to finance a Kia Optima after my car was recently totaled out from a wreck. Mark Grome was beyond incredible in the process of all of this. I told him what I wanted to pay, and he worked it out. No pressure at all. I would definitely recommend Cronin Kia of Harrison to anyone interested in buying a AMAZING car with no hassle! I was in and out in less than two hours and got to drive home a gorgeous 2015 optima.

I knew this would be a no-pressure experience.

February 2, 2017

I live 55 miles away from Cronin Kia and went out there to view a car I saw online. It happened to be a really great deal, otherwise I wouldn't have drove all that way. We arrived and were almost immediately greeted by Mike Monroe. As any car buyer should be, I was skeptical at first but within the first few minutes of talking to him, I knew this would be a no-pressure experience. I wasn't looking to purchase same-day, but I'm absolutely thrilled that I did. Mike took a lot of time helping me through the buying process, as this was my first time purchasing a new vehicle. Mike and the sales manager, who's name I neglect to remember at this time and the finance guy Tony, got my monthly payments within dollars of where I asked them to be. There was very little back and forth; I asked and received. Finance is normally a huge pain, but I was in and out of Tony's office in just a few minutes. After that, I was good to go. Mike stood with us in the cold as we loaded up and gave me a quick rundown of the basics on the car. He was such a pleasure to work with and I cannot stress how much he made this buying experience feel hassle free. So, to Mike, the MVP, thank you for getting me in a new car that I love and for adding some much needed humor to the car buying experience.

Mike's level of customer service made us a life long customer.

January 16, 2017

My Fiance and I went into the dealership "just looking," for a vehicle to suit our growing family. We were greeted by Mike Monroe. I have to say, this was the most pleasant experience that I have had at a dealership. Mike worked with us on financing our vehicle and was there to answer any questions that we had throughout the process. After the purchase of our new vehicle, we found a crack in our driver side mirror. Though the car had been driven off the lot, Mike allowed us to bring the vehicle back, and put a new mirror on for us at no cost. Mike's level of customer service made us a life long customer.

This was a great car buying experience!

January 1, 2017

This was a great car buying experience! Mark Zinser was our sales rep and he was very knowledgeable about the car we purchased, he answered all of our questions and made the entire process go quickly and stress free. Thanks Mark!

I've decided to go to Cronin based off the online reviews.

December 30, 2016

After buying our last 3 Kia's from Kings. I've decided to go to Cronin based off the online reviews. They didn't have the car I wanted in stock but they were able to obtain it from another dealership and I was still able to get it the same day. The employees here are friendly and personable. I would definitely purchase from them again. Thanks Guys!

Cronin Kia gave me the best deal!

December 1, 2016

Cronin Kia gave me the best deal! The first dealer I went to didn't want to work with me and as far as I'm concerned didn't listen to me. Everyone at Cronin Kia listened to what I wanted and what I could afford. I'm very happy with my new Sorento and will highly recommend them.

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