1995 Suzuki Swift HB 1.3L SOHC 5spd ABS for $0 Build Credit, Poor Credit, Bad Credit, Good Credit OK OAC
















1995 Suzuki Swift HB: A Story of Smudge, My Late Mother’s Car
Meet Smudge, my beloved 1995 Suzuki Swift HB 4-cylinder 1.3 SOHC 5PD with ABS and a vibrant purple exterior. This car holds a rich history, as it has been in my family for 26 years. My late mother cherished this vehicle, and now I have the honor of continuing her legacy. With a chipped ECU providing around 120 hp, Smudge is not just a car; it’s a head-turner and a powerhouse on the road!
Investment and Upgrades
Throughout the years, my family and I have invested a considerable amount of money in maintaining and upgrading Smudge to ensure she remains in top condition. Here’s a breakdown of the major upgrades and repairs that have been done:
- All-Weather Tires: Kumho Soltis HA31 (increased two sizes in width since 2006) – P175 70 13s for better handling and stopping ability.
- Battery: Replaced with a BCAA 6-year warranty in 2021.
- Alternator: Replaced in 2022.
- Control Arms & Bushings: Replaced in 2022.
- Rebuilt Differential Transmission: Completed for $1863 in 2022.
- Radiator: Recently replaced.
- Clutch and Two Engine Mounts: Updated in 2022.
- CV Axle: Entire assembly replaced.
- Heater Fan: Repaired.
- Front Brake Pads: Replaced in 2023.
- Oil Changes: Two changes with synthetic oil in 2023.
Performance and Efficiency
One of the standout features of Smudge is her incredible fuel efficiency, averaging an impressive 44 miles per gallon (MPG). This has been achieved by consistently using high-quality oil and regular maintenance.
Condition and Unique Features
While Smudge runs strong and has been a reliable companion, she does have some cosmetic imperfections due to her age:
- Rust on the rear driver’s quarter panel, rocker panels on both sides, and A-pillar on the driver’s side.
- Minor oil leaks from the valve cover gasket and oil pan, consuming approximately 1 liter every 5000 km, but she does not burn oil.
- Non-functional reverse lights.
- Rear wiper requires repair.
Despite these minor issues, Smudge remains clean with a rebuilt title and has always been a local car, staying in the same family throughout her life. She’s been a joy to drive, offering tons of power and excellent handling even in challenging snow conditions. Last winter, she effortlessly handled one foot of snow without any trouble!
Pricing and Negotiation
I am currently asking for $6,800 or best offer (OBO). This is no average Suzuki Swift; she is unique and a blast to drive. I will be considering serious inquiries only, as I am testing the waters. If I don’t receive a reasonable offer, I plan to keep her for the foreseeable future.
Financing Your Dream Car with AllCreditAuto.Loan
If you are interested in a unique car like Smudge but worried about financing, AllCreditAuto.Loan comes to the rescue! They work with partner lenders who cater to a diverse range of credit profiles. Whether you have:
- Poor Credit,
- Bad Credit,
- Good Credit,
- or anything in between,
You can still get the vehicle of your dreams! AllCreditAuto.Loan provides an inclusive platform that simplifies the car financing process, making it accessible to everyone. They believe everyone deserves a chance to own a vehicle, regardless of their credit score.
Building Credit with AllCreditAuto.Loan
Purchasing a car through AllCreditAuto.Loan not only allows you to drive home in your dream car but also enables you to build or rebuild your credit score. Making timely payments on your auto loan can significantly improve your credit rating, paving the way for better financing options in the future.
Why Choose AllCreditAuto.Loan?
There are numerous reasons to consider AllCreditAuto.Loan for your car financing:
- Diverse Lender Network: Access a wide range of lenders who specialize in helping individuals with varying credit backgrounds.
- Streamlined Process: Their online platform simplifies the loan application and approval process.
- Competitive Rates: Competitive interest rates tailored to your specific financial situation.
- Expert Support: Dedicated customer service to guide you through your financing journey.
Conclusion
Smudge is more than just a car; she has been a cherished part of my family for over two decades, and her story continues with me. If you’re looking for a reliable and uniquely powerful vehicle, I invite you to consider Smudge. Remember, with AllCreditAuto.Loan, your dream car is within reach, regardless of your credit history. Don’t miss the chance to own a piece of automotive history!

$6,800
Langley
1995 Suzuki Swift HB 4cyl 1.3 sohc 5pd ABS purple her name is Smudge! Was my late mother’s car for 26 years then mine. Chipped ECU 120 hp.
Lots of money spent.
All Weather tires Kumho Soltis HA31 went up two sizes in width since 2006.
P175 70 13s. Helps with handling & stops faster! Than stock.
2021 Battery BCAA 6 year warranty.
Altinator 2022
Control arms bushings 2022
2022
Rebuilt differential transmission $1863
Radiator replaced
Clutch & two engine mounts
Entire CV axcel replaced
Heater fan
2023
Front brake pads
Two oil changes with synthetic oil this year.
Gets average 44 mpg!
Always used good quality oil.
Had H02 Hit over $2k in 1997. Not Rebuilt tittle clean local car. Same family all its life. Only my mother and myself. Has rust on rear drivers quarter. Rocker panels both sides. A pillar drivers side.
Valve cover gasket & oil pan leaks 1 L every 5000km driving. Doesn’t burn oil.
Reverse lights don’t work.
Rear wiper needs to be repaired.
Asking $6,800 obo
No low ballers. This is no average swift. Has lots of power and is supper fun to drive. Awesome in snow last year went through one foot of snow no issues. Also has a 6.3 inch ground clearance! Which is more than most cars!
I’m testing the waters. If I don’t get close to asking I’m just keeping it!
