Credit FAQs

Open Today! Sales: 8:30am-8pm Call us at: 410-749-1301

Credit FAQs

Shopping for a car will inevitably lead you down the path of wondering about your credit score. Will past credit challenges make it hard for you to get approved for an auto loan? Where, exactly, does your credit score come from? Are you stuck with it, or are there ways to improve it – and your financial future, at the same time? You’ve got questions, and Safford CDJR of Salisbury has the answers. Read on for a closer look at some of the most common credit questions we get at our dealership.



  • Can I get approved for an auto loan if I have bad credit?

  • In a word – yes. Safford CDJR of Salisbury has an on-site team of financing experts who are committed to helping you get approved for the loan you need to drive home that new or used vehicle today. We work with a large network of trusted lenders, and our finance team members are ready to work hard on your behalf to secure some attractive auto loan offers regardless of your credit history.

  • Where does my credit score come from?

  • A credit score is calculated from three main credit bureaus – Experian, Equifax, and TransUnion. Your score comes from an assessment of your credit history, taking into account things like number and type of loans, payment history, and other factors to determine your creditworthiness. The higher your score, the less of a risk you are to lenders and the more likely to get approved for a loan with a lower interest rate.

  • What do the numbers in a credit score really mean?

  • For FICO scores, the most common type of credit score, the range is from 300 to 850. A good score is generally 700 or above, while a score below 679 indicates fair to bad.

  • What will my monthly payments be?

  • Monthly payments depend on a variety of factors – the price of the vehicle, how much you put down, your trade value, your credit score, and other important details all contribute to what your payments will be. For a quick estimate, plug in all the relevant info into our handy Payment Calculator and get a better idea of what you’ll pay each month.

  • How can I improve my credit?

  • Lucky for those with a challenged credit history, or who don’t have much history at all, getting approved for an auto loan at Safford CDJR of Salisbury is a great first step to improving your credit score. Make those payments on time month after month and watch as your financial future gets brighter and more stable. Think of that improvement as a fantastic bonus to the amazing vehicle you get to drive!
    You can streamline the financing process on our website by learning all you can before you arrive. Browse our inventory to find the vehicles you’d like to see in person, submit a finance application, and get a quote for how much your trade is worth. Then, when you arrive at Safford CDJR of Salisbury, you’ll be ready to hit the ground running and make a smart purchase fast!


Safford Chrysler Dodge Jeep Ram of Salisbury is located at: 1915 North Salisbury Blvd • Salisbury, MD 21801
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1915 North Salisbury Blvd • Salisbury, MD 21801

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Today's Hours:

Open Today! Sales: 8:30am-8pm

Open Today! Service: 7am-6pm

Safford Chrysler Dodge Jeep Ram of Salisbury 38.388929, -75.577387.