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In these days of tighter credit in virtually all markets, consumers with less-than-perfect credit who shop new car dealerships are increasingly being steered to used vehicles rather than new vehicles.

The reason is that someone with a relatively low credit score — usually less than 700 — may not qualify for the higher monthly payment of a new vehicle.

A salesperson who doesn’t want to lose the customer may recommend a “certified” used vehicle. Typically, such a vehicle is no more than 3 years old and has the added benefit of being inspected and brought up to a manufacturer’s standard for a used car. It also typically comes with an extended warranty.

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