15 Cars That Can Have a Negative Effect On Your Credit Score


A large percentage of the American population take a loan to buy a car. While buying a car is a necessity in most cases it is essential to ensure that you get a car that gives you value for the dollars you are spending and the loan you are taking.

How do you know if a car is worth buying? Do your homework first. Weight out the pros and cons associated with car you want to buy and others in the same category or price range. The areas that you should specifically consider are fuel economy and safety features. Buying a car that is going to make a hole in your pocket by guzzling fuel just not worth it. Many of the newer model cars are more fuel efficient and give you great value for each gallon. With the shaky global economy and rise in fuel prices it would be sensible to consider an all-electric car or a hybrid. Almost every car manufacturer has launched or is in the process of launching an electric car or a hybrid.

A car that lacks proper safety features is putting your life and the lives of others who ride with you at stake. An accident can end up causing you major financial damages in the way of medical bills and maybe even the risk of loss of life.

We’ve compiled a list of cars that are nice to have for those who just want to add to their existing collection of cars, but not for the average working American who doesn’t have the spare cash to waste on fuel. This is a list of cars that we would recommend you stay away from. Though they are great vehicles they are not value for money. These are cars that have drawbacks that could hurt your credit.

Check out the list below:

Cadillac ATS

Cadillac ATS
Cadillac ATS

The Cadillac ATS has a powerful V8 engine powered by a 5-speed manual transmission. It has a great top speed of 203 miles and a quick acceleration of 0 to 60 miles in a mere 3.5 seconds. However, under that sharp exterior styling is an engine that drinks a lot of fuel. The Cadillac ATS gives a mileage of 19m per gallon.

This rear wheel drive luxury car fairs very poorly compared to its peers, and is rated below average as a reliable vehicle. Other drawbacks are that the car has a very small trunk and cramped rear seats. Compared to its price the interiors aren’t that nice.

The average cost of maintain the Cadillac ATS per year work out to be a whopping $6,800 per year (considering gas, repairs, insurance, taxes etc.)


Acceleration 0-60 mph3.5 Sec
Top speed203 mph
Mile range268 miles
Fuel capacity19 U.S gal
ClassMid-size luxury
Body styleSedan
TractionRWD (rear-wheel drive)


Chevrolet Suburban

The Chevrolet Suburban is a spacious full sized SUV with a 5.3L V8 engine with a 6-speed automatic transmission. It has plenty of cargo space and high end interiors. Compared to its size and ruggedness the Suburban is uncomfortable on uneven roads.

It has below average reliability rating and safety scores. The fuel consumption is very average and gives 14 mpg in the city. Compared to the other SUV’s in the same category, the Suburban ends up near bottom of the list.


Acceleration 0-60 mph7.7 Sec
Top speed108 mph
Mile range403 miles
Fuel capacity31 U.S gal
ClassStandard SUV
Body styleSUV
TractionFWD (Four-wheel drive)


Dodge Journey

The Dodge Journey with its 3.6L V6 engine lacks lustre in its performance. It has a sluggish acceleration and poor transmission response. The Dodge Journey is very cheaply priced but this does not compensate for its poor reliability rating, limited cargo space, dull and cumbersome handling and negligible safety features.

The SUV offers great passenger comfort and nice user friendly infotainment. Compared to the other vehicles in its segment the Dodge Journey is at the bottom despite its low price.


Acceleration 0-60 mph7.4 Sec
Top speed118 mph
Mile range401 miles
Fuel capacity21.1 U.S gal
ClassSmall SUV 4WD
Body styleFastback coupe
TractionAWD (All-wheel drive)


Jeep Cherokee

The Jeep Cherokee drives well and has great features but it doesn’t rank very well as its competitors offer much more, putting the Cherokee to shame. The new redesigned exterior adds flavour to the SUV.

Its powerful V6 engine and 3 engine options lose out when you compare the interiors of the Cherokee to the other vehicles in this category. Not to mention that the Cherokee has a very limited cargo space. The poor fuel economy puts the final nail in the coffin.


Acceleration 0-60 mph6.4 Sec
Top speed180 mph
Mile range332 miles
Fuel capacity15.8 U.S gal
ClassSmall SUV 4WD
Body styleFastback coupe
TractionAWD (All-wheel drive)


Infiniti Q50

The Infiniti Q50 comes with a 3.7L V6 engine which generates a powerful drive for this mid-sized car. The car has a good acceleration of 0 to 60mph in 4 seconds and a top speed of 210 mph. Despite this, the Infiniti Q50 lacks the excitement that the newer cars in this segment exude.

The car doesn’t rank quite high for reliability and the infotainment system is not very user friendly either. The main drawback of the Infiniti Q50 is its subpar interiors. In this price range you can get better.


Acceleration 0-60 mph4 Sec
Top speed210 mph
Mile range460 miles
Fuel capacity20.0 U.S gal
ClassMid-size Car
TractionRWD (rear-wheel drive)


Acura ILX

The Acura ILX can be categorised as an inexpensive luxury car. Its powerful engine and good acceleration coupled with good safety features make it quite desirable.

However, the car is not a smooth ride and its poor quality interiors are dampeners. It has a moderate handling and is not very engaging.


Acceleration 0-60 mph6.6 Sec
Top speed130 mph
Mile range383 miles
Fuel capacity13.2 U.S gal
ClassCompact car
TractionFWD (front-wheel drive)


Dodge Grand Caravan

For its 3.6L V6 engine the Dodge Grand Caravan has a very sluggish acceleration. It ranks poorly because of its outdated technology. The Dodge Grand Caravan is easy to maneuver but doesn’t offer a comfortable ride.

It lacks much in the way of safety features and standard technology. It ranks quite low in the minivan category. The Dodge Grand Caravan is cheap and affordable but not really recommended as a family car.


Acceleration 0-60 mph7.4 Sec
Top speed118 mph
Mile range401 miles
Fuel capacity20.0 U.S gal
ClassMinivan 2WD
TractionFWD (front-wheel drive)

FIAT 500

Fiat 500

The Fiat 500 is fitted with a 1.4L I4 engine and a 5-speed manual transmission. The car is economically priced and is very fuel efficient. However, this micro car has serious drawbacks which might want you to reconsider before buying it.

The Fiat 500 engine is quite unreliable and the car is accident prone. The predicted reliability of this car is quite low.


Acceleration 0-60 mph6.5 Sec
Top speed132 mph
Mile range315 miles
Fuel capacity10.5 U.S gal
TractionFWD (front-wheel drive)


Fiat 500X

The Fiat 500X is a subcompact car with a 1.3L I4 engine. It has a stylish and elegant interior cabin. The Fiat 500X also has good safety ratings. However, despite its good features when compared to other cars in the same category it is severely lagging behind.

The extremely small cabin with limited passenger and cargo space, its slow acceleration and poor fuel economy are some of the things that down rate the Fiat 500X.


Acceleration 0-60 mph8.5 Sec
Top speed60 mph
Mile range381 miles
Fuel capacity12.7 U.S gal
ClassSUV 4WD
TractionFWD (front-wheel drive)


Ford Focus

The Ford Focus houses a powerful 2.0L I4 engine with smooth steering and excellent power handling. Regardless, for all its pros, the car has a very slow acceleration, and a fuel economy which is below average.

The lack of legroom space for the rear seats makes it unsuitable as a family car. The dual clutch system is a bit clumsy and hinders a smooth driving experience. Over and above these drawbacks the car also has a poor reliability rating.


Acceleration 0-60 mph9 Sec
Top speed120 mph
Mile range378 miles
Fuel capacity13.5 U.S gal
ClassCompact Car
TractionFWD (front-wheel drive)


Ford Fiesta

The Ford Fiesta is an awesome compact car with an attractive exterior and good fuel economy. It has a 1.6L I4 engine with a top speed of 118 miles. The acceleration of the car is a bit slow and it has a 4speed manual transmission.

The drawbacks of this car are the limited cargo space and the cramped legroom in the rear. The lack of driver assistance and other safety features is also a disadvantage that causes this car to rank poorly.


Acceleration 0-60 mph9.1 Sec
Top speed118 mph
Mile range313 miles
Fuel capacity13.5 U.S gal
ClassSub compact car
Body styleFastback coupe
TractionFWD (front-wheel drive)


Jeep Wrangler

The Jeep Wrangler has excellent off road capabilities, an average acceleration and a strong 3.8L V6 hurricane engine.

Despite its unique and versatile exterior appearance the overall performance of the vehicle is lacking in ride quality, fuel economy and it has the lowest possible reliability rating. The interior of the Jeep Wrangler leaves much to be desired.

Comparatively the Wrangler is priced quite steep and cannot be called a value for money buy.


Acceleration 0-60 mph6.4 Sec
Top speed100 mph
Mile range382 miles
Fuel capacity22.5 U.S gal
ClassSmall SUV 2WD
TractionRWD (rear-wheel drive)


Chrysler 200

The Chrysler 200 is new on the market and its 5.7L HEMI engine give an excellent acceleration of 0 to 60 mph in an impressive 5.4 seconds. However, this car has a below average reliability rating. Over and above that the engine is unrefined and lacks lustre, and it also has high fuel consumption.

Another area of concern is the cramped backseats. Due to the poor fuel economy there is an increase in the per year cost to owner, which is much higher than other cars in the same category. So it is going to cost you more to drive and maintain the Chrysler 200.


Acceleration 0-60 mph5.4 Sec
Top speed168 mph
Mile range278 miles
Fuel capacity14.5 U.S gal
Body styleSedan
TractionFWD (front-wheel drive)


Lincoln MKS

The Lincoln MKS is fitted with a 3.7L V6 engine and has an impressive acceleration. It has a good a good set of safety features but other cars in this category have better. The Lincoln MKS cost to owner is approximately $5000 per year which is quite high for a large luxury sedan of this type.

Its poor fuel economy makes it an unfeasible car for an average American.  The car has good infotainment but some of the interiors are made of inferior quality material.


Acceleration 0-60 mph4.8 Sec
Top speed118 mph
Mile range380 miles
Fuel capacity19 U.S gal
ClassLarge car
Body styleSport-utility wagon
TractionFWD (Front-wheel drive)


Land Rover Discovery Sport

The Land Rover Discovery Sport has an average 2.0L I4 engine. The SUV displays powerful off road capabilities. The interior cabin is very spacious with plenty of cargo space. It has a poor acceleration, does not perform as well as competitors over pavement, and has a subpar reliability rating.

Though the Land Rover Discovery Sport has several strengths, its weaknesses far outweigh them. The Land Rover Discovery Sport is not the best choice SUV with its uninspiring powertrain and low gas mileage.


Acceleration 0-60 mph7.1 Sec
Top speed127 mph
Mile range396 miles
Fuel capacity18 U.S gal
ClassSUV 4WD
Body styleHard-top wagon off-road
TractionAll-wheel drive