Get On The Road To Rebuilding Your Credit! 

Our Credit Specialists at Larry H. Miller Ford Lincoln Draper are here to assist with your car buying experience, and ensure you understand the importance of good credit and how to improve your financial situation.

Make Payments On Time

When rebuilding your credit, the most important step is never paying late. That includes auto loans. The key issue is that it was paid in full with no delinquencies

An account, such as an auto loan, that's been open for six months and appears on your credit report will be enough to generate a FICO credit score. If you've made every car payment up to this point on or before the due date, you should be able to safely pay off the remaining debt. The best of both worlds would be to show a track record of good payments, followed by paying off the loan early. If you've slipped up in the past, however, hang onto that loan for a little longer to show that you can manage it more effectively.  

Once that joint account's history of on-time payments appears on your credit report, you can think about speeding up those repayments. As you've already realized, paying off that car loan early will save you money on interest payments.

Save Money by Refinancing

Of course, paying off and closing an account early isn't the only way to save money. Refinancing, or establishing a new loan, could bring you better terms if your credit score has improved since you initially purchased that car. Start by educating yourself about your current loan. You can compare your existing auto rate to the national averages to see how your current loan rate compares. If your credit has improved since you initially took out the car loan, our credit specialists at Larry H. Miller Ford Lincoln Draper can help lower your interest rate.

Such responsible behavior will help you in the long run. It is very important to demonstrate good financial habits beyond credit when applying for a loan today. Lenders often require a substantial down payment and may ask that you have money in savings to ensure you can continue to make the payments in the event of unforeseen economic challenges.

How We Do Business Differently!

At Larry H. Miller Ford Lincoln Draper, our goal is to ensure you make an informed decision on your next vehicle purchase and auto loan, and to provide you with valuable information to help rebuild your credit.

  • We will listen to you and respect your time
  • We will answer ALL your questions
  • We will assist you in rebuilding and re-establishing your credit profile
  • Informed product presentations and test drives
  • Work directly with our Credit Specialist
  • Up front clear pricing and payments 
  • We'll meet your needs, then we'll ask to earn your business.

Our Credit Specialists at Larry H. Miller Ford Lincoln Draper look forward to serving you!


Larry H. Miller Ford Draper

11442 South Lone Peak Parkway
Directions Draper, UT 84020

  • Sales: 801-895-4209
  • Service: 801-895-4521
  • Parts: 801-984-4918


  • Monday 9am-8pm
  • Tuesday 9am-8pm
  • Wednesday 9am-8pm
  • Thursday 9am-8pm
  • Friday 9am-8pm
  • Saturday 9am-8pm
  • Sunday Closed

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