Top 5 Cheapest Safe New Cars in September

We pick the five most affordable IIHS Top Safety Pick new cars in September for credit challenged car buyers

Affordable Safe Cars

Although most consumers with bad credit choose to finance used cars because they’re more affordable, some may qualify for a new car. New cars, although typically more expensive, offer a number of advantages in addition to that new car smell: very few miles, a comprehensive manufacturer-backed warranty and something else many buyers don’t consider – some the most advanced active and passive safety features ever offered.

Top 5 Cheapest IIHS Top Picks

First it helps to understand the vehicle safety ratings before you make a choice. The top two categories in the Insurance Institute for Highway Safety (IIHS) rankings are “Top Safety Pick” and “Top Safety Pick+.” To qualify as a Top Safety Pick, a vehicle must earn good ratings in the moderate overlap front, side, roof strength and head restraint tests, as well as a good or acceptable rating in the small overlap front test.

In order to be considered a plus, vehicles must first meet the Top Safety Pick criteria, and earn a basic, advanced or superior rating for front crash prevention (with an automatic braking and/or forward collision warning system).

Since consumers with credit issues also need to consider affordability, we took the IIHS results one step further by listing the top 5 vehicles in order of affordability – including any rebates available during the month of September.

Here are the results:

2015 Honda Fit#5 – 2015 Honda Fit 1.5L LX 4-door hatchback, 6-speed manual
Base price – $16,315
Rebate – $0
Price before taxes – $16,315
2014 Ford Focus S#4 – 2014 Ford Focus S 2.0L 4-door sedan, 5-speed manual
Base price – $17,635
Rebate – $1,500
Price before taxes – $16,135
2014 Dodge Dart SE#3 – 2014 Dodge Dart SE 2.0L 4-door sedan, 6-speed manual
Base price – $17,490
Rebate – $1,500
Price before taxes – $15,990
2015 Kia Soul 1.6L#2 – 2015 Kia Soul 1.6L Base 4-door wagon, 6-speed manual
Base price – $15,900
Rebate – $0
Price before taxes – $15,900
2014 Chevrolet Spark LS 1.2L#1 – 2014 Chevrolet Spark LS 1.2L 4-door hatchback, 5-speed manual
Base price – $12,995
Rebate – $0
Price before taxes – $12,995

Every vehicle on this list received an “acceptable” rating on the small overlap front test except the Soul, which received a “good” rating. All vehicles received a “good” rating on the moderate overlap front, side, roof strength and head restraints and seats tests.

The Bottom Line

This list proves that a number of safe, new cars are within the reach of many credit-challenged buyers with bad credit. Keep in mind that most of the rebates listed expire at the end of the month.

One more tip: Auto Credit Express helps consumers with problem credit new dealers that can offer them their best chances for approved car loans.

So if you’re ready to begin the process, you can start now by filling out our online car loan application.

Posted on September 28, 2014 by in New Cars
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