Cronin Kia
Cronin Kia: (513) 367-5300
Close

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. 

 

Refinancing

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.

 

Bankruptcy 

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

(513) 367-5300
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 Closed

Testimonials

Definitely recommend Cronin Kia!

Olivia
11-7-2019
Full Star Full Star Full Star Full Star Full Star

Definitely recommend Cronin Kia! I went to Cronin because my family has purchased a vehicle through them before. That car lasted us almost ten years! I was really nervous going in, because this was my first car buying experience. I went in thinking I wanted one model, but ended up leaving with the absolute, best fit for me! Jeff was absolutely awesome, and walked me through the entire process without overwhelming me. He was super helpful and made sure I had all the information I needed to make the right decision for me. When it came time to actually sign the paperwork, Rick was so patient and extremely helpful as we went through all of the warranty and financing information!! I love my new Kia Soul and am so thankful to Cronin Kia!

Above and Beyond

Terry
10-8-2019
Full Star Full Star Full Star Full Star Full Star

DJ was my sales rep, and he went above and beyond in terms of service. I was driving from about 7 hours away to buy a car. Before I did, he answered all my questions and sent me video of the vehicle inside and out. When it turned out I was going to be arriving after closing time, he said it was no problem. I arrived almost an hour and a half late, and he was still there and friendly as can be! Probably saved me a night at a hotel. Great experience.

Super Friendly

Luis
10-6-2019
Full Star Full Star Full Star Full Star Full Star

Calvin was my sales rep. Super friendly guy, took good care of myself and my family. Even entertained my 3 year old while I signed paper work. This is my second vehicle purchased at Cronin Kia and I will continue doing business there as the staff in sales and service have always been the best.

I will defiantly be a repeating customer!

Jason
9-18-2019
Full Star Full Star Full Star Full Star Full Star

The ease of purchase even without an established credit history is unbeatable. Marc Simon is extremely customer benefit driven and works hard to get you the best deal. I highly recommend anyone who is looking for a car to call Marc at Cronin Ford. I will definitely be a repeating customer. Thanks Marc!

Thank You Cronin Kia!

Chad
9-17-2019
Full Star Full Star Full Star Full Star Full Star

I need to give Austin and the crew at Cronin Kia for helping me out. Austin did everything he could to make sure I drove out of the lot with a new car with me having some shaky credit. He worked his magic and sure enough got me in a great ride. Thank you Austin. Thank you Cronin Kia. You can't go wrong with this staff.

Love getting awesome service!

Dee
9-3-2019
Full Star Full Star Full Star Full Star Full Star

I love getting awesome service with a warm smile on there face.Shiloh was very helpful but not pushy he answered my questions told me what I needed to know.All around good customer service! And I got a brand new 2019 Kia Rio

Super Friendly

Abigail
8-31-2019
Full Star Full Star Full Star Full Star Full Star

I know nothing about cars but had a great experience here! DJ and Shiloh were super friendly, listened to all my needs, and offered great suggestion about a car that would work for me!

Amazing

Rick
8-30-2019
Full Star Full Star Full Star Full Star Full Star

Amazing service. Will do whatever they can to take care of you!

Great to work with

Lauryn
8-28-2019
Full Star Full Star Full Star Full Star Full Star

Tony and Roy were great to work with to help me find a car for college, highly recommend buying a car through Cronin!

Mikey was awesome!

Raddict
8-22-2019
Full Star Full Star Full Star Full Star Full Star

Mikey was awesome! He helped us find a new car. Gave us every detail we needed. We recommend him!

Easy and Enjoyable!

Mary
8-13-2019
Full Star Full Star Full Star Full Star Full Star

We recently purchased a 2020 Telluride from Cronin. Mikey Wathen made it a stress free, enjoyable experience! We had been to several other dealerships that tacked on a $3,500 Dealer Markup after seeing the vehicle listed online at a lower price and then applied lots of pressure, almost to the point of harassment, to buy immediately. It was an instant turn off. There was none of that at Cronin. Mikey was very knowledgeable about the product and gave us all the time we needed. Cronin is a non commission dealership which eliminates all the hassle. We have recommended Cronin to all our friends. We will be back! Shout out to Zola and the dealership manager also, for making our purchase easy and enjoyable! We love our newTelluride!

I love getting awesome service

Dee
8-11-2019
Full Star Full Star Full Star Full Star Full Star

I love getting awesome service with a warm smile on there face. Shiloh was very helpful but not pushy he answered my questions told me what I needed to know.All around good customer service! And I got a brand new 2019 Kia Rio

Great Experience

Dara
8-8-2019
Full Star Full Star Full Star Full Star Full Star

I had just bought my first car at Cronin Kia and had a great experience. I would recommend you go see Mike Tramel. He was so nice and very helpful with me picking out my car.

You will not be dissatisfied

Kyle
7-29-2019
Full Star Full Star Full Star Full Star Full Star

Cronin Kia, has some of the best all around services in the tri-state area. If looking to purchase a new one used vehicle, Mikey W. can and will help you make the best purchase for the amount you are looking to spend. You will not be dissatisfied with choosing Mikey W. at Cronin Kia

Gave us every detail we needed

Raddict
7-27-2019
Full Star Full Star Full Star Full Star Full Star

Mikey was awesome! He helped us find a new car. Gave us every detail we needed. We recommend him!

Cronin is the best place around.

Hannah
7-24-2019
Full Star Full Star Full Star Full Star Full Star

Cronin is the best place around. It's a great experience from beginning to end. Make sure and ask for Mikey, he will get you in and out without any troubles. And while you're waiting for them to finish paperwork, sit back and enjoy a cup of coffee.

Outstanding Customer Service

Susan
7-10-2019
Full Star Full Star Full Star Full Star Full Star

Great experience! Mike Trammel and Andrew Kinee were very helpful and provided outstanding customer service when buying my new car. Happy Customer!

They are awesome!

Val
7-6-2019
Full Star Full Star Full Star Full Star Full Star

They are awesome! Will take good care of you so check them out! Hi guys

I will be returning for my next vehicle!

Dean
2-13-2019
Full Star Full Star Full Star Full Star Full Star

Jordan was the absolute best! He made sure that I knew all of my options, took his time to answer my questions, and never made me feel pressured. I will be returning for my next vehicle!

Great Customer Service

Steve
2-11-2019
Full Star Full Star Full Star Full Star Full Star

Great Customer Service I was not even a Cronin KIA customer (yet) at the time I came in, also they were closing. Jordan ( Sales Rep) let me know that they were closed an still helped me with a few questions that the previous dealer didnt help me with I will only Deal with Cronin KIA from now on! Thanks Cronin.

Read More

Dealership Information