Your credit score is determined by a variety of factors. These include your payment history, the amount of credit you have available and how long you have had credit. You can boost your credit score by making sure all your loan and credit card payments are up to date.

You can improve your credit by doing any of the following:

• Check your credit report regularly and dispute any incorrect information you find.
• Pay your bills on time every month and keep balances low on credit cards and other revolving credit accounts.
• Only apply for new credit accounts when necessary, as too many inquiries can hurt your score.
• If possible, pay off past-due debts or contact creditors to negotiate a repayment plan or settlement agreement that is favorable to both parties involved in the debt transaction.

Negative equity is when the amount owed on a loan (such as a car loan) exceeds the value of the asset that was purchased with the loan. This often happens when an individual borrows more money than they can reasonably afford to pay back, or when a decline in market value causes the asset to be worth less than what was originally paid for it.

Yes, it's possible to buy a car when you have negative equity. Contact Kiefer Mazda today to speak with a finance expert.

Yes! No matter what your credit score is, our friendly team will work with you to find a car that fits your budget. Visit today to talk about our Mazda CX-30 financing options. We'll help you apply for a subprime auto loan in Oregon.

Subprime car loans are an auto financing option for those who have no credit or a bad credit history.

At our nearby Mazda dealership, we are devoted to offering our customers a stress-free car-buying experience. To make things even easier, we have made it possible for you to get preapproved online. Simply complete the online form and a member of our team will reach out to provide further information.