Jimmy Sotolongo knows that a recession can severely impact a used car business, unless you stay ahead of the curve. As America feels the credit crunch, and more and more people lose jobs and fall behind on their bills, their credit is impacted as well. At his dealership, Century Motors Financial, Jimmy Sotolongo said a typical credit score was in the high 600’s. Now, the most common scores are in the 500’s or lower! What does this mean for used car buyers? Forget bank financing! Jimmy Sotolongo began his car business years ago focusing on the Buy Here Pay Here model. Now, that is seeing a huge comeback during this credit crunch. This provides an opportunity for car buyers to purchase a car with an affordable, often bimonthly payment. Another change that Jimmy Sotolongo is seeing now is a large increase in the number of all cash purchases. Again, probably related to the tightened credit markets, and damaged credit of individuals. So, if you are struggling now, you can still get a great car, with the help of your local Buy Here Pay Dealer.