Car Financing That Won’t Break the Bank

Choosing to finance a used vehicle can be a stressful proposition for many. Similar to deciding on a mortgage for a new home, there is a significant amount of financial planning and preparation involved with car financing. Knowing this, our dealership is committed to helping you find the right payment options for your unique financial situation.


There are many factors that determine the overall cost of financing a car. These include creditworthiness, the amount of money put down, and the length of time you choose to finance the vehicle.  You have our commitment that we will do our very best to consider each of these factors and develop a financing strategy that you can feel comfortable with.


For those with credit issues, it may seem like financing a car is out of the question. Usually, to their surprise, it certainly doesn’t have to be. Our team of professionals is specially trained to consider each credit situation and provide solutions that work. In many cases, we are able to secure fair and affordable financing for those whose credit may have seen brighter days.


We also understand that putting a significant amount of money down on a car is not always easy.  Sometimes life and other financial obligations make it next to impossible to come up with a sizeable initial investment on a vehicle. Fortunately, we can work with you to find a financing option with flexible down payment requirements.


It’s important to us that the car financing option our customers choose does not end up breaking the bank. We want you to love the vehicle you take off our lot and not be distracted by payments you can barely keep up with. As such, our team will work diligently with you to identify a payment plan that fits your unique financial profile.


Don’t let worries about your credit, down payments, or the cost of financing keep you from owning the vehicle you’ve always wanted. Contact us today to find out which type of car financing solution makes the most sense for you and your wallet.


Figuring Out the Factors That Affect Low Interest Car Loans

There is more that goes into buying a used car than simply considering the desired make, model, color, and year of the vehicle. As an informed consumer, it is very important to understand the current conditions of the marketplace, which includes knowing your financing options and interest rates. It goes without saying that the majority of prospective buyers actively seek out the best deals when conducting their search. However, figuring out the factors that impact accessing low interest car loans will help you better determine the correct actions to get you the deal you desire.


One of the major factors that determine your interest rate is your financial situation. The truth of the matter is that borrowers with higher credit ratings usually get offered lower interest rates. If you are unsure of that your credit score, you can request to receive a free copy of your credit report from each of the three national credit reporting agencies. You will be able to check to make sure the information is accurate and address any possible mistakes or discrepancies that may be impacting your credit rating.

Before you think about signing on for a lengthy loan contract, consider the fact that you will be paying quite a bit more in the end. Shorter term agreements equal low interest car loans. The challenging part of deciding the length of the term is figuring out how much you can afford to pay each month. But we can help, apply for your loan today, and let one of our credit specialists guide you every step of the way.


By taking certain key factors under advisement, you will be better able to strategize a plan that will get you a good car for the right deal.

Good News for Bad Credit Car Loans

It is an unpleasant fact that a low credit score can affect your ability to qualify for financing for a new car. Fortunately, bad credit car loans are out there, you just need to know where to find them. Our dealership is ready and waiting to pair you with a lender who is eager to finance your next automobile purchase, no matter what your credit history. A poor credit history, in other words, is not the end of the world; you can still get a loan, even with a less than perfect credit score.


Your credit history is an indicator to the financing company about how risky loaning you money is, and how much interest they should charge you in order to cover that risk. They will look for things like late or missed payments, bankruptcy, and a high debt to income ratio. Typical lenders will use those issues as an excuse to deny your application or charge you exorbitant interest rates.


The lenders we work with are different. Our dealership has specifically selected lenders who want to give people a second chance. They specialize in bad credit car loans, and are much more interested in your current situation than your credit history. This allows them to be able to offer you a car loan at a great interest rate, no matter what your credit score is.


The car loan market in Canada is very competitive, our lenders will work hard to get your business and earn your trust. Everyone at our dealership wants to help you find the car you want, and the financing you need. Educate yourself about the basic facts of bad credit car loans in Canada. For example, always understand the difference between a dealership incentive, 0% financing, and rebates. Make sure your lender explains to you how those things will affect the total cost of your loan.


Bad credit doesn’t have to prevent you from getting financing for the car of your dreams. Call our dealership today!

The Benefits of Car Financing

Did you know that car financing is an option to consider when you are getting ready to buy a car? When you choose to finance a car, you can even take it off the lot the same day instead of waiting until you have all the money to afford it. If you have to save some of your money to buy a car, you may end up waiting several months until you have enough for it. Why wait when you can apply for financing instead?

Even if you have bad credit or no credit at all, it is still possible to get a loan for a car that you need, which you would then be able to pay back in a set amount each month. Before you start making any decisions, you can find out the exact price of each car you are interested in, along with the amount you would be expected to pay each month when you start paying back the loan. By finding out this important information, you will be able to decide whether the cost of the loan repayment fits within your budget or not.

The dealership offers an extensive variety of vehicles, so you would not have a problem finding something that looks appealing, runs well, and will not cost you a fortune each month. If you are eligible for financing, you can have a look at all the different cars and even test drive some of them to make sure that you feel comfortable driving inside of them. The test drive that you take may help you decide on the car that is best for you.

If you do not have the full amount of cash for a car that you would like to buy, you can consider applying for car financing so that you do not have to wait to get it. You will still get to pick out the car of your choice, but you will end up getting it a whole lot quicker.

Slow Credit ? We Can Help



If you’ve ever paid a bill late by accident, you know how easy it is to end up with slow credit. Our system of slow credit car loans can help you get the vehicle you want, even if your credit score isn’t as high as you’d like it to be. Our dealership welcomes customers with slow credit as they work toward paying off the vehicle of their dreams. Whatever has happened in your financial history, we can offer you a clean slate as you buy the used car of your choice.


A number of different problems can make your credit score slow down or plunge dramatically. Some of the most common difficulties include late payments, getting behind on multiple payments, unpaid bills, high credit card balances, and bad checks. All of these issues can negatively affect your credit score, making it harder for you to get a loan. We specialize in offering great financing to customers who may have some of these problems with their credit history.


When you work with our  trusted dealership to get a used car loan, you can bypass many of the barriers that might come up when you apply to a bank for car financing. Even if your situation isn’t favorable at the moment, we know that paying off a loan can be a valuable way to rebuild credit. We use all our knowledge and our connections with expert loan officers to get you the financing you need for your ideal used car.


Do you have any questions about the practical details of slow credit vehicle financing? Our experts are standing by to talk with you about your particular situation. Even if you have a very low credit score due to a past bankruptcy or large medical bills, we will do our best to find an individual solution for you to get behind the wheel of the used car you want to drive. Contact us today for more information about slow credit car loans.

Benefits of a Used Car Loan


People might have prejudices against bad credit car loans, but they can actually be beneficial if you are smart about your loan. Being smart can be defined as finding a loan that fits within your monthly budget and does not have too high of an interest rate. The two main benefits of a used car loan are that it allows you to have a vehicle and it could help you rebuild your bad credit.


A car loan is an affordable way to get a reliable vehicle without putting a huge burden on your budget. Having a vehicle can be vital. Without a vehicle you have to spend time and money on other modes of transportation. This can create a huge financial burden and can get in the way of you ability to execute your daily tasks. A reliable vehicle will get you places on time, and will not suck your money away with costly repairs and maintenance. A loan will allow you to have a vehicle that runs and could help you save money for the future.


Another benefit of a bad credit car loan is that it is a good way to rebuild your credit. If you have a car loan that has monthly payments you can afford, you could slowly rebuild your credit score by making your payments on time. This will help you out financially in the future when you may need to take out larger loans. Once you have bad credit, the only way to rebuild is to make payments on time. Getting a car loan with bad credit is fairly easy and there are many lenders, therefore it is a great opportunity to build up your score.


A car loan is like killing two birds with one stone: you get a car and you get to rebuild your credit score. Put away your or your friends’ prejudices against bad credit car loans and take it as a great opportunity to better your current situation. A used car loan can be very beneficial when approached with thoughtfulness.

Why Patience Pays Off When You Are Shopping for Used Cars



Shopping for a car can be a stressful process. It is not surprising that so many people avoid this necessary process.  A lot of people wish that the experience were similar to a fast food drive-thru.  Although it might be nice to avoid the hassle of shopping for used cars, a quick car buying experience can often end with buyer’s remorse.  While the process does not need to take an eternity, we recommend that people take their time and have patience.  It will ultimately pay off in the end.


The most important reason to exercise a little bit of patience is so that you can find the right car.  This might mean you need to test drive more than one car.  If you want to buy something, then it is good to find one that is the right fit for you.  To avoid spending all day test driving, try to arrive at the dealership prepared.  If you know what you are looking for, the salespeople will have an easier time helping you in your search.


Unlike most purchases, it is hard to swipe a credit card to pay for a used car.  Instead, you have to get the right financing and settle on a price.  Working with the dealership is usually the smart choice when you are trying to find financing.  They will help this process to go smoothly.  However, it will take a little bit of time.  Be patient with them while they work out the financial details of your car loan. During the process, you can ask them any questions you have about the financing.  You can also work with them to get the right price for your budget.  The more patient you are, the better this experience will be.


In a few hours, you can walk out of the dealership with one of our used cars.  This is a small sacrifice of your time to find a high quality vehicle with good financing.

Information You’ll Share When You Apply for Car Loans



The majority of car buyers today do not have money in hand when they come into the dealership. Instead, they plan to borrow or lease the car, relying on a bank loan or help from the dealer when it comes to financing. Obtaining the loan isn’t nearly as fun as driving away in a new car, but going about the loan process can have consequences that last longer than the car itself. As you work with us to put together a good loan, be prepared to share some important information with us.


The first thing we’ll do is to determine just how much you can afford to borrow. We’ll take a look at the cost of financing, ownership, insurance, and fuel. Other related costs include taxes, obtaining the title, and paying license fees. It is important to establish your budget before you start test-driving cars, so that you have a good idea of the car that you can afford. This saves you from the frustration of test-driving a car and loving it, only to discover that you can’t pay for it.


Be prepared to share your credit rating with the loan officer. With your credit rating in hand, you’ll know what to expect as you negotiate for a good loan. The rating reflects the length of time that you have had credit, how well you were able to pay other debts, your debt to income ration, and the various types of debts you have. Some debts, such as a mortgage and other car loans, are considered good debts and will reflect well on your rating.


The loan officer will take a close look at some other parts of your credit history. Be ready to share your full name, your home address, your birthdate, and your social identification number. Other details include information about your employer, your income and other bills, how long you’ve had your job, and information about other employers. You may need to share facts about your bank, assets, and other sensitive information.


As you work through the loan process, remember that if the paperwork is done thoroughly, you will have both a new car AND a great loan.

Car Loan Benefits

How to pay for your car can be a taxing decision. With the different options that are available, you may be wondering why you should get a car loan. There are several reasons why it has been the most utilized means for securing a car. So let us take a look at some of the key benefits of car loans.


Manageable Payments


Paying for a car in cash does give you full ownership of your car immediately, however it can cause undesired financial strain. Securing a car loan allows individuals the opportunity to pay off their car in affordable monthly installments. We desire to work with you to make your car buying experience as stress free as possible.


Car Ownership


Leasing a car has become a popular means of securing a vehicle. Though it may have its benefits, in essence you are making fruitless payments. At the end of the day, you will make payments for at least three years to end up returning the car and beginning the process again. When you make car loan payments, you are making payments towards owning your vehicle. By the end of your payment term you will own your car with no further financial obligations, other than maintenance.


Build Credit


Your credit score is an important factor on deciding your eligibility for various offers and opportunities. Having a good credit score will make it easy to secure different lines of credit and even mortgages. A strong factor in your credit score is your ability to make timely, consistent payments. Securing a car loan and making your payments on time can help you to solidify or even boost your rating.


Though there are other options, car loans have stood the test of time as solid ways of purchasing cars. They allow you to fully own your car by making manageable, monthly payments that help increase your credit score. To learn more about securing a car loan, feel free to contact us online or in person.

How to Get Approved forAuto Financing


You’re in the market for a new car, and you’ve done some research as to what it is you want in your new ride. As much as we’ll all like to pay cash for a new car, for many of us, doing so is simply not an option. For those of us who have to finance a portion of the cost of a new vehicle, the process generally begins when you get approved for car financing.


We are a one-stop-shop when it comes to both selling new cars and obtaining financing for them on behalf of our customers. Because we are of the mindset that everyone deserves a chance to eventually own their own vehicle, we are able to offer financing for a wide variety of consumers with a broad range of credit scores.


That being said, it’s always a good idea to get an idea of your credit score prior to starting the hunt for a new car, so that you have a better idea of how much you can spend and can craft a rough budget accordingly. Once you have a sense of your credit score and an idea of the vehicle you’d like to purchase in mind, your next step should be to have a sit-down meeting in our finance office with one of our qualified finance professionals.


Our team is extremely well-versed in all financial aspects of the automotive industry, and will work tirelessly to see that you are able to finance not just any old car, but the car of your dreams. There are also occasional situations where we are able to offer our consumers special financing deals, such as a particularly low interest rate for a predetermined amount of time.


Obtaining financing for your new vehicle through our dealership will not only help you get behind the wheel quickly, but can be a great way to help rebuild or repair a less-than-ideal credit score. If you’re in the market for a car and are looking to make the process as pleasant and stress-free as possible, pay us a visit and get tracking toward owning the vehicle you’ve always wanted.