Benefits of Working with CNY Credit Approval

Guaranteed Credit Approval

Central New York Credit Approval uses a program called Credit Acceptance, which offers our customers a Guaranteed Credit Approval, no matter their past credit history. This program allows drivers in Ithaca, Syracuse, Cortland, Elmira, Binghamton and all surrounding areas of different incomes to gain financing where they may have been otherwise denied. This means if you have a bankruptcy, past repossessions, bad credit, no credit, first time car buyer, no problem. Central New York Credit Approval can help!

We understand that anyone can have financial difficulties in their life that can affect your credit. We are interested in giving you a second chance to help rebuild and re-establish your credit. Get started by filling out a credit application today! 

Confidence in Your Vehicle

When you choose to purchase a vehicle from Central New York Credit Approval, you can have confidence in your vehicle.

Before our vehicles go out on our lot for sale, our factory trained technicians check the following items to endure our vehicles are safe and in a good working condition
  • Engine mounts, oil and filter, leaks and intake manifold
  • Seat belts, spare tire, airbag warning lights, interior and exterior mirrors
  • Heating and A/C systems, control knobs and switches
  • Frame, under-body, and hood, trunk and gas releases
  • Electrical system, including headlights, taillights and turn signals
  • Transmission, suspension, steering, fuel, tires and braking systems
Our vehicles go through a detailed multi-point inspection that is extremely thorough and a test drive to make sure that everything is running smoothly. If any of our vehicles need more work we ensure its safety and our factory trained technicians fix any necessary repairs.

Once this process is complete the vehicle will go into our comprehensive reconditioning process and make sure that our vehicles meet our high-quality standards. We want to ensure that all of our vehicles are safe and dependable, so you can feel confident in your purchase.

Improving Your Credit

Once you have purchased your vehicle through us we try to help you improve your credit. Cultivating good credit is a long-term venture, but that doesn't mean there aren't strategies to boost your credit score in the short term.

You will want to start by catching up on late payments and paying all future bills on time. Ideally, you should also aim to keep the balance on any revolving accounts (i.e., credit cards) at or below 10 percent of your credit limit. Keep credit utilization down, and you'll be seen as less of a risk to lenders.

Follow these guidelines, and your previously poor credit can start to improve in as little as 30 days!

If you do improve your credit after purchasing a vehicle through us, in about 2 years we can look at upgrading you to a newer vehicle.

We have plenty of experience helping shoppers near Ithaca, Elmira, and Cortland get approved with less-than-perfect credit, and we're happy to help you, too! Get started by filling out a credit application today!