DCH Chrysler Dodge Jeep Ram FIAT of Temecula

Tips for Improving Your Credit Before Buying a Car

Tips for Improving Your Credit Before Buying a Car

Tips for Improving Your Credit Before Buying a Car

Get your next vehicle at Temecula Chrysler Dodge Jeep RAM

Everyone wants to get a good deal on their car loan, but if you have bad credit, things can get a little complicated. However, if you are somehow able to put off car shopping for a while, there are specific steps you can take to build up your credit before buying your next vehicle. You need to be aware that your lender will assess your ability to afford certain loans by computing the debt-to-income ratio, and your credit rating will play a significant role in the interest rate you will get for your car loan. Therefore, you will want to get your credit in top shape before applying. Below you will find ways to get your credit top shape before you get your next vehicle here at Temecula Chrysler Dodge Jeep RAM! 

If there are Errors on your Credit Report, Dispute Them!  

You can start the process by getting a free copy of your credit report. Once you get it, make sure that you thoroughly and make a note of any errors that you notice that will drag your credit score down. Next, you can file a dispute by mail, phone, or online with the different credit bureaus, Experian, TransUnion, or Equifax, to report inaccurate info. Once you file your dispute, the credit reporting agency will then reach out to the creditor or the lender, who will further investigate the discrepancy. If the information in the dispute can't be verified, it will be removed, and your score could improve. 

Pay Bills by the Due Date

Your payment history will account for around 35 percent of your FICO score, and if your credit card or loan is more than 30 days past due, the delinquency will likely be reported, and your credit score will take a hit. On the other hand, if you make your payments on time or make payments toward that debt that is on your credit report will improve over time. It is also essential to bring any past-due accounts current to avoid any further activity and damage to your overall credit score. Improving your credit score is important to getting your next car loan. 

Lower Credit Card Balances

Overall, the FICO credit-scoring model will favor customers that responsibly manage their debt. Keep in mind that the amount of debt that you owe is the second-largest component that makes up your credit score. In addition, your credit utilization or the percentage of your credit line will also play a significant role in determining your score. Your lender will want to see your credit utilization at or below 30 percent. If you find that yours is higher, you need to work towards paying it down to raise your credit score and qualify for a competitive interest rate or your next car loan. 

Don't Apply for New Credit

Every time you apply for credit, then a hard inquiry will be generated, which can end up dropping your credit score by a couple of points. While the impact will be only a temporary setback, many different inquiries in such a short period will end up hurting your credit score. The only way you will not see a score drop is if you are shopping for an auto or mortgage loan within a period of two weeks. It's vital that you don't apply for a long list of credit items before you look into getting a car loan. It will be good for you in the long run! 

Get a Car Loan here at Temecula Chrysler Dodge Jeep RAM

If you are looking for a place to get a car loan with a team of people that will work with you, then check out our finance department here at Temecula Chrysler Dodge Jeep RAM! Our team will go over all of your options and get you the loan that works best for you. Then our sales team will show you our entire inventory of new and pre-owned Dodge, Jeep, and Ram vehicles that are all available to be test driven. One of our team members can even accompany you on the test drive so you get the full feel of all of the features. Even if you can't make it to our dealership right now, you can still check out our entire inventory here on our website! 

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VIN: 1C4HJXDG8PW569704
Stock: PW569704
Model: JLJL74
In Stock
Ext.
Int.

Features

  • Bluetooth®
  • 4WD/AWD
  • Android Auto
  • Apple CarPlay
  • Keyless Entry
  • Keyless Ignition System

More Details

Dealer Comments
Sting-Gray Clearcoat 2023 Jeep Wrangler 4WD 6-Speed Manual 3.6L V6 24V VVT
  • $52,520
  • Dealer Discount: -$4,500
  • Selling Price: $48,020
$884 /month
6.49% APR
72 months
  • MSRP $52,520
  • Documentation Fee $85
  • Starting Price $52,520
  • Down Payment $0
*Excludes tax, title & fees
Disclaimers

VIN: 2C3CDZBT8NH206803
Stock: NH206803
Model: LADP22
In Stock
Ext.

Features

  • Bluetooth®
  • Android Auto
  • Apple CarPlay
  • Keyless Entry
  • Keyless Ignition System
  • Emergency Brake Assist

More Details

Dealer Comments
Frostbite 2022 Dodge Challenger R/T RWD 8-Speed Automatic HEMI 5.7L V8 Multi Displacement VVT
$719 /month
6.49% APR
72 months
  • MSRP $42,670
  • Documentation Fee $85
  • Starting Price $42,670
  • Down Payment $0
*Excludes tax, title & fees
Disclaimers

VIN: 2C3CDZFJ8PH590710
Stock: PH590710
Model: LADX22
In Stock
Ext.

Features

  • Bluetooth®
  • Android Auto
  • Apple CarPlay
  • Keyless Entry
  • Keyless Ignition System
  • Wi-Fi Hotspot

More Details

Dealer Comments
F8 Green 2023 Dodge Challenger R/T Scat Pack Widebody RWD 8-Speed Automatic SRT HEMI 6.4L V8 MDS
  • $67,310
  • Dealer Discount: -$6,731
  • Selling Price: $60,579
    • -$500
  • $60,079
$1,133 /month
6.49% APR
72 months
  • MSRP $67,310
  • Documentation Fee $85
  • Starting Price $67,310
  • Down Payment $0
*Excludes tax, title & fees
Disclaimers

VIN: 2C4RC1GG4PR583633
Stock: PR583633
Model: RUCT53
In Stock
Ext.

Features

  • Bluetooth®
  • Remote Start
  • 3rd Rear Seat
  • Keyless Entry
  • Keyless Ignition System
  • Power Tailgate/Liftgate

More Details

Dealer Comments
Bright White Clearcoat 2023 Chrysler Pacifica Limited FWD 9-Speed 948TE Automatic 3.6L V6 24V VVT

19/28 City/Highway MPG
  • $51,545
  • Dealer Discount: -$6,185
  • Selling Price: $45,360
$868 /month
6.49% APR
72 months
  • MSRP $51,545
  • Documentation Fee $85
  • Starting Price $51,545
  • Down Payment $0
*Excludes tax, title & fees
Disclaimers

VIN: ZACNJDC15PPP44726
Stock: PPP44726
Model: BVJH74
In Stock
Ext.
Int.

Features

  • Remote Start
  • 4WD/AWD
  • Keyless Entry
  • Keyless Ignition System
  • Emergency Brake Assist
  • Lane Departure Warning

More Details

Dealer Comments
Sting-Gray Clearcoat 2023 Jeep Renegade Trailhawk 4WD 9-Speed 948TE Automatic 1.3L I4

22/27 City/Highway MPG
  • $34,160
  • Dealer Discount: -$4,500
  • Selling Price: $29,660
$575 /month
6.49% APR
72 months
  • MSRP $34,160
  • Documentation Fee $85
  • Starting Price $34,160
  • Down Payment $0
*Excludes tax, title & fees
Disclaimers

VIN: 2C3CDZJG2PH610574
Stock: PH610574
Model: LADL22
In Stock
Ext.
Int.

Features

  • Bluetooth®
  • Remote Start
  • Android Auto
  • Apple CarPlay
  • Keyless Entry
  • Keyless Ignition System

More Details

Dealer Comments
Triple Nickel Clearcoat 2023 Dodge Challenger GT RWD 8-Speed Automatic 3.6L V6 24V VVT

19/30 City/Highway MPG
  • $12,060 Price Difference
    $25,990 DCH Price

  • $38,050
  • Dealer Discount: -$6,030
  • Selling Price: $32,020
  • -$6,030
  • DCH Price: $25,990
    • -$500
  • $25,490
$641 /month
6.49% APR
72 months
  • MSRP $38,050
  • Documentation Fee $85
  • Starting Price $38,050
  • Down Payment $0
*Excludes tax, title & fees
Disclaimers

VIN: 2C3CDZJG9PH610572
Stock: PH610572
Model: LADL22
In Stock
Ext.
Int.

Features

  • Bluetooth®
  • Remote Start
  • Android Auto
  • Apple CarPlay
  • Keyless Entry
  • Keyless Ignition System

More Details

Dealer Comments
Triple Nickel Clearcoat 2023 Dodge Challenger GT RWD 8-Speed Automatic 3.6L V6 24V VVT

19/30 City/Highway MPG
  • $12,060 Price Difference
    $25,990 DCH Price

  • $38,050
  • Dealer Discount: -$6,030
  • Selling Price: $32,020
  • -$6,030
  • DCH Price: $25,990
    • -$500
  • $25,490
$641 /month
6.49% APR
72 months
  • MSRP $38,050
  • Documentation Fee $85
  • Starting Price $38,050
  • Down Payment $0
*Excludes tax, title & fees
Disclaimers

VIN: 2C3CDZJG9PH610569
Stock: PH610569
Model: LADL22
In Stock
Ext.
Int.

Features

  • Bluetooth®
  • Remote Start
  • Android Auto
  • Apple CarPlay
  • Keyless Entry
  • Keyless Ignition System

More Details

Dealer Comments
Octane Red Pearlcoat 2023 Dodge Challenger GT RWD 8-Speed Automatic 3.6L V6 24V VVT

19/30 City/Highway MPG
  • $12,060 Price Difference
    $26,290 DCH Price

  • $38,350
  • Dealer Discount: -$6,030
  • Selling Price: $32,320
  • -$6,030
  • DCH Price: $26,290
    • -$500
  • $25,790
$646 /month
6.49% APR
72 months
  • MSRP $38,350
  • Documentation Fee $85
  • Starting Price $38,350
  • Down Payment $0
*Excludes tax, title & fees
Disclaimers

VIN: 2C3CDZFJ9PH601858
Stock: PH601858
Model: LADX22
In Stock
Ext.

Features

  • Bluetooth®
  • Android Auto
  • Apple CarPlay
  • Keyless Entry
  • Keyless Ignition System
  • Wi-Fi Hotspot

More Details

Dealer Comments
Nav System, Smart Device Integration, Apple CarPlay®, WiFi Hotspot, Dual Zone A/C, Onboard Communications System, Back-Up Camera, Aluminum Wheels, RADIO: UCONNECT 4C NAV W/8.4 DISPLAY... PLUS PACKAGE. White Knuckle Clearcoat exterior.

KEY FEATURES INCLUDE
Back-Up Camera, iPod/MP3 Input, Onboard Communications System, Aluminum Wheels, Dual Zone A/C, WiFi Hotspot, Apple CarPlay®, Smart Device Integration.

OPTION PACKAGES
QUICK ORDER PACKAGE 24N R/T SCAT PACK WIDEBODY Engine: 6.4L V8 SRT HEMI MDS, Transmission: 8-Speed Automatic (8HP70), Flat-Bottom Steering Wheel, Performance Shift Indicator, Brembo 6-Pot Fixed Front Caliper Brakes, Adaptive Damping Suspension, Pirelli Brand Tires, Widebody Competition Suspension, Widebody Fender Flares, PLUS PACKAGE Locking Lug Nuts, Power Multi-Function Foldaway Mirrors, Premium-Stitched Dash Panel, High Intensity Discharge Headlamps, TRANSMISSION: 8-SPEED AUTOMATIC (8HP70) AutoStick Automatic Transmission, Remote Start System, Tip Start, Steering Wheel Mounted Shift Control, Auto Leather Wrapped Shift Knob, RADIO: UCONNECT 4C NAV W/8.4 DISPLAY SiriusXM Traffic Plus, 5-Year SiriusXM Travel Link Service, GPS Navigation, 5-Year SiriusXM Traffic Service, All VP4R Radios, SiriusXM Travel Link, All Radio Equipped Vehicles, ENGINE: 6.4L V8 SRT HEMI MDS. Rear Spoiler, MP3 Player, Keyless Entry, Steering Wheel Controls, Electronic Stability Control.

VISIT US TODAY
At DCH Chrysler Dodge Jeep Ram FIAT of Temecula, we offer new Chrysler, Dodge, FIAT, and Jeep cars along with quality used cars, trucks and SUVs by top manufacturers. Our sales staff will help you find that new model or used car you have been searching for.

Please confirm the accuracy of the included equipment by calling us prior to purchase.
  • $67,215
  • Dealer Discount: -$6,721
  • Selling Price: $60,494
    • -$500
  • $59,994
$1,131 /month
6.49% APR
72 months
  • MSRP $67,215
  • Documentation Fee $85
  • Starting Price $67,215
  • Down Payment $0
*Excludes tax, title & fees
Disclaimers

VIN: 2C4RC1S77PR604546
Stock: PR604546
Model: RUET53
In Stock
Ext.

Features

  • Bluetooth®
  • Remote Start
  • 3rd Rear Seat
  • Keyless Entry
  • Keyless Ignition System
  • Power Tailgate/Liftgate

More Details

Dealer Comments
Bright White Clearcoat 2023 Chrysler Pacifica Hybrid Limited FWD CVT 3.6L V6
  • $10,114 Price Difference
    $49,171 DCH Price

  • $59,285
  • Dealer Discount: -$7,114
  • Selling Price: $52,171
  • -$3,000
  • DCH Price: $49,171
    • -$7,250
    • -$2,000
    • -$500
$998 /month
6.49% APR
72 months
  • MSRP $59,285
  • Documentation Fee $85
  • Starting Price $59,285
  • Down Payment $0
*Excludes tax, title & fees
Disclaimers

VIN: 2C3CDZJG0PH610573
Stock: PH610573
Model: LADL22
In Stock
Ext.
Int.

Features

  • Bluetooth®
  • Remote Start
  • Android Auto
  • Apple CarPlay
  • Keyless Entry
  • Keyless Ignition System

More Details

Dealer Comments
Triple Nickel Clearcoat 2023 Dodge Challenger GT RWD 8-Speed Automatic 3.6L V6 24V VVT

19/30 City/Highway MPG
  • $12,060 Price Difference
    $25,990 DCH Price

  • $38,050
  • Dealer Discount: -$6,030
  • Selling Price: $32,020
  • -$6,030
  • DCH Price: $25,990
    • -$500
  • $25,490
$641 /month
6.49% APR
72 months
  • MSRP $38,050
  • Documentation Fee $85
  • Starting Price $38,050
  • Down Payment $0
*Excludes tax, title & fees
Disclaimers

VIN: 2C3CDXBG5PH627257
Stock: PH627257
Model: LDDM48
In Stock
Ext.
Int.

Features

  • Bluetooth®
  • Android Auto
  • Apple CarPlay
  • Keyless Entry
  • Keyless Ignition System
  • Wi-Fi Hotspot

More Details

Dealer Comments
Torred Clearcoat 2023 Dodge Charger SXT RWD 8-Speed Automatic 3.6L V6 24V VVT

19/30 City/Highway MPG
  • $11,950 Price Difference
    $25,170 DCH Price

  • $37,120
  • Dealer Discount: -$6,030
  • Selling Price: $31,090
  • -$5,920
  • DCH Price: $25,170
    • -$500
  • $24,670
$625 /month
6.49% APR
72 months
  • MSRP $37,120
  • Documentation Fee $85
  • Starting Price $37,120
  • Down Payment $0
*Excludes tax, title & fees
Disclaimers


Plus government fees and taxes, any finance charges, $85 dealer document processing charge, any electronic filing charge and any emission testing charge.

* MSRP is the Manufacturer's Suggested Retail Price (MSRP) of the vehicle. It does not include any taxes, fees or other charges. Pricing and availability may vary based on a variety of factors, including options, dealer, specials, fees, and financing qualifications. Consult your dealer for actual price and complete details. Vehicles shown may have optional equipment at additional cost.

* The estimated selling price that appears after calculating dealer offers is for informational purposes, only. You may not qualify for the offers, incentives, discounts, or financing. Offers, incentives, discounts, or financing are subject to expiration and other restrictions. See dealer for qualifications and complete details.

* Images, prices, and options shown, including vehicle color, trim, options, pricing and other specifications are subject to availability, incentive offerings, current pricing and credit worthiness.

* In transit means that vehicles have been built, but have not yet arrived at your dealer. Images shown may not necessarily represent identical vehicles in transit to your dealership. See your dealer for actual price, payments and complete details.



WARNING: Operating, servicing and maintaining a passenger vehicle can expose you to chemicals including engine exhaust, carbon monoxide, phthalates, and lead, which are known to the State of California to cause cancer and birth defects or other reproductive harm. To minimize exposure, avoid breathing exhaust, do not idle the engine except as necessary, service your vehicle in a well-ventilated area and wear gloves or wash your hands frequently when servicing your vehicle. For more information go to http://www.p65warnings.ca.gov/passenger-vehicle

Max payload/towing estimate ratings shown. Additional options, equipment, passengers, and cargo weight may affect payload/towing weights. See dealer for details.


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