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Welcome to
Car & Credit

Car & Credit LLC. is the King of Credit. We have a huge inventory, and we can get you the financing that you need. Come to us and we will help you rebuild your credit. We maintain one-on-one personal relationships with our customers, and we will always make your car buying experience as easy and hassle free as possible. From our location in Bay City, we can serve many towns and communities including Saginaw and Midland. When you want amazing customer service and amazing prices combined with great pre-owned cars, trucks, or SUVs, then you need to come to Car & Credit LLC.

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About Car & Credit in Bay City, MI

Car & Credit sells high-quality vehicles at a great price. We also help our customers drive off the lot without paying a fortune and help them build their credit. Find out why so many of our first-time customers become customers for life.

Bay City's Top Used Car Dealership

Why choose Car & Credit? We have one of the largest inventories of used vehicles available. Unlike other dealerships in the area, we focus on used cars. Are you in the market for an affordable family SUV? We recommend checking out the Ford Escape. Do you want a vehicle that makes your daily commute more enjoyable? Give the Chrysler 200 a test drive.

A few other favorite vehicles include the Chevrolet Traverse and the Ford Fusion. Discover all of your favorite vehicle manufacturers, including Ford, Chevrolet, Cadillac, and Jeep. You can also find minivans, SUVs, trucks, and sedans with vehicles available in various price ranges. Can't find what you're looking for on our lot? Let one of our friendly sales representatives know, and we'll notify you as soon as we discover it. All of our used cars come with a three-month or 3,000-mile limited warranty.

Affordable Used Cars

We take pride in our competitively priced vehicles at Car & Credit, LLC. We offer flexible payment plans and the area's lowest down payment and payday payments. We only require no-fault insurance to drive off our lot, saving you a few dollars on insurance costs. Refer your friends or family to buy a car with us, and we'll pay you $100 in credit. These opportunities are only a few ways that we aim to take care of our customers.

Helping Our Customers Build Their Credit

We know how important having access to a reliable vehicle is, and that's why we work with credit scores of all types. Even if you have less-than-perfect or no credit, our team will work hard to secure you the lending you need. With our Buy Here Pay Here Financing program, we have a genuine degree of flexibility to help you get into your next vehicle. We also report monthly to the credit bureau, which can help you build your credit and upgrade your vehicle in the future.

More Than 30 Years of Experience

Car & Credit has served the Bay City, Midland, Saginaw, Pinconning, and West Branch, Michigan, areas for more than 30 years. Our dealership, founded in 1991, has maintained the same family values at the core of our customer service focus. Many first-time customers are now customers for life, and we look forward to growing our customer family more throughout the next 30 years of operations.

At Car & Credit, you get access to quality vehicles, affordable prices, and all the tools that you need to build your credit. Visit our dealership in Bay City today and find out how the team at Car & Credit can help you with all your vehicle buying and credit building needs.