Are you in the market for a car, but want something reliable without breaking the bank? Check out certified pre-owned (CPO) cars. CPO vehicles have been inspected and serviced by the manufacturer, so you can buy with confidence. Plus, just like other used cars, financing options are available for CPO cars that can make your purchase even more affordable.

What Is a Certified Pre-Owned Vehicle?

A certified pre-owned (CPO) vehicle is a used car that has been inspected and comes with a warranty from the manufacturer.


CPO vehicles are usually late-model cars that have low mileage and are in good condition. They often come with a host of benefits, including extended warranties, roadside assistance, and special financing rates. Although CPO vehicles typically cost more than non-certified used cars, they are typically cheaper than buying a new car, offer peace of mind, and can be a good value for the money. When shopping for a CPO vehicle, be sure to do your research and compare different programs to find the one that best meets your needs.

Pros and Cons of a Certified Pre-Owned Vehicle

Just like deciding whether to buy new or used when car shopping, CPO vehicles have their own list of considerations to keep in mind. Specific benefits may differ, but here are some common pros and cons.



  • Low mileage
  • Typically less than five years old
  • Extended warranty coverage
  • 24-hour roadside assistance
  • Rigorous inspection process



  • CPO vehicles typically cost more than non-certified used cars
  • Vehicle selection may be more limited
  • Warranties may only apply to certain components of the vehicle


It’s important to consider these benefits and drawbacks of CPO cars to see how it may fit into your budget and needs.

Are Certified Pre-Owned Cars Worth It?

Certified pre-owned cars have become increasingly popular in recent years, as they offer many of the benefits of a new car without the high price tag. Considering the above pros and cons, are CPO cars really worth it?


Ultimately, that’s a question that you will have to answer for yourself. In a lot of situations, CPO cars are worth it and can be a more affordable option for car buyers that want the security and reliability of a newer car with warranty coverage.


CPO cars also typically hold their value better than non-certified used cars. When all is said and done, CPO cars offer a great way to get more car for your money.

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How to Finance a Certified Pre-Owned Car

Financing a CPO car can be a bit different than financing a new or non-certified used car.


One option is to finance the car through the dealership. Many dealerships have their own in-house finance departments and can work with you to get financing. We can help you find the right dealership to fit your needs.

If you’re financing through a dealership, make sure to ask about any special programs they offer for CPO cars. Some dealerships may offer low interest rates or extended warranty coverage. If you’re financing through an outside lender, shop around to compare interest rates and terms. 


When you’re ready to finance your CPO car, it’s important to do your research and compare options to find the best deal for you. With a little bit of effort, you can save money and get into the car of your dreams.

Qualifying for a CPO Car with Bad Credit

If you have bad credit, you may be wondering if you can qualify for a CPO car. The good news is that it is possible to get preapproved for a CPO loan with bad credit. In fact, some lenders specialize in financing CPO cars for borrowers with less-than-perfect credit. By working with the right lender, you can secure the financing you need to buy the CPO car of your dreams.