Our Straightforward Car Loans Make Car Shopping Enjoyable

Think of the car features that you definitely want in your next vehicle. Would you like leather seats and a moon roof, or do you want plenty of seats and cup holders? Do you think you have a short list of favorite vehicles or are you open to anything that fits your budget? Even if you are undecided on a car just yet, we can take the worries out of getting the best car loan for you.

Car Considerations

The first impression of a vehicle comes down to two factors, ergonomics and personal preference. You should have ample head and legroom, feel that the window layout gives you good visibility, and like how the gauges and controls are laid out. If members of your family have car seats, it is a good idea to bring them along to see if they work well with the cars you are test driving.

If you have a set color or feature combination in mind that does not come around every day, you may have to look longer to find what you want. But, if you know what your top three color and make combos are, you may be pleasantly surprised by the number of cars available to test drive. Conversely, if color is not important to you, you may get a great deal on a car in a less popular color.

Financing the Transaction

When you have found the vehicle you want and are ready to make a purchase, we want you to know the total price of the used car you’ve decided to buy. We itemize any extended warranty and interest costs in all of our car loans. Of course we are always happy to consider your current vehicle as a potential trade-in, and we offer extended warranties for our used cars. This is a great way to handle any unforeseen repairs covered by the warranty.

Our financing staff are experienced in setting up a loan with terms

3 Car Loan Myths

If you have your eye on a new or used car, you may have to consider financing options. The problem that a lot of people face is that they don’t have optimal credit and may not think that they qualify. While many lenders offer bad credit car loans, there are still a lot of myths that circle the choice. You shouldn’t let these turn you away from the financing that could get you your dream car. Here are the three top myths when it comes to car loans.

A Low Credit Score Guarantees Rejection

This isn’t true at all. In fact, there are dealers and lenders that specialize in car loans for people with bad credit. Poor credit will not stop you from financing a car.

You Can’t Refinance if You Had a Poor Credit Score

When you’re approved of a car loan with a low credit score, you are given the opportunity to build your credit over again. After a while, as your score builds you will be given more options. It’s common for people to refinance their loan and come up with a cheaper rate after they have built up their credit score.

Income Doesn’t Matter if You Have Bad Credit

Income absolutely matters! Income and the other debts that you owe play a big role in the size of the loan you can be awarded. While lenders do pay attention to your credit, your income also plays a large role in whether or not you’re approved. This can also affect the rates that you’re given.

Don’t allow myths to turn you away from car loans. Even with bad credit there are many options out there. While it can be a difficult choice for many people to decide whether or not they want to look into financing for a vehicle, it’s important not to be deterred by myths. Only the facts should be an influencing factor on your decision.

Should I Make A Down Payment?

There are many benefits to making a sizeable down payment on car loans. The more money you can put down up front, the less you will have to borrow. When your principal is made lower by a large down payment, you will pay less money in interest over the term of the loan. A large down payment can also get you out of upside down status sooner.

How Upside Down Happens

Being upside down on your car loan means that you owe more money on the car than it is actually worth. This is a normal occurrence in the early stages of the loan’s term. A car’s value depreciates quickly once you drive it off the lot. If you only pay 10% down, and the car loses 25% of its value in the first 6 months, it is easy to see how you can be upside down in a flash. As you make your monthly payments, it balances out, but if you are staying upside down for three or four years, that can be problematic.

Turning the Tables

The best way to move more quickly from being upside down to owing less than the car is worth is to make a large down payment. If you just put 5% down, you are barely covering the taxes and fees associated with the purchase. If, however, you can put down at least 20% of the purchase price, you should be outrunning your vehicle’s depreciation rate within two years or less (for a 4-year loan). Of course, if you can put even more than 20% down, that gets you into positive equity territory even faster.

Getting out of the upside down state can give you peace of mind when it comes to the overall value of your vehicle. If you can make a large down payment on your next car, you will be driving a vehicle that’s worth more than you owe on it in no time.

4 Benefits to Financing Your Next Car

Though they can frustrate you at times, there’s not way of getting around the fact that having a reliable car is essential for most people. Navigating your busy life and meeting the many demands on your schedule would be next to impossible without having a vehicle at your disposal. When the time comes to secure a new or used car, consider financing over leasing. Here are a few reasons why obtaining car loans are your best options.

No Mileage Limits

Your work or other responsibilities may require that you drive great distances every month. If you were leasing a car, this would be a concern, as leases have restrictions on how many miles you drive. However, with car loans, you are free to put on as many miles as you’d like without any penalties.

You Pay For it, and it’s Yours

When you lease a vehicle, you generally keep it for three years and then trade it in. But when you finance your car, you make monthly payments, and then when it’s paid off, you own it outright. After this point, you no longer have to make any monthly payments.

Make Modifications

When you use a loan to get your next car, you’re free to make any changes to the car you see fit. If you want to enhance the engine or change the body, or do anything to the car to your liking and preference, you can do so. This isn’t the case with a lease.


3 Tips for Getting a Car Loan with Bad Credit

Maintaining a good credit score is not an easy task. Whether one made a poor investment decision or missed payments on a credit card bill, difficulty attaining a decent credit score is not an uncommon struggle. It may seem difficult to get bad credit car loans, but it is entirely in the realm of possibility. It is true that there are some barriers but with a little determination and research, it is an attainable feat.


Make a Significant Down Payment


It may be helpful to save up some money so that you can make a larger down payment. Not only is this likely to lower your overall amount, this will show the lender that you are serious about the loan. By showing this commitment, the lender may find you to be less of a risk despite a negative credit assessment, making it more likely that you get your car loan.


Choose a Sensible Vehicle


When it comes to selecting the type of vehicle you would like to purchase, it definitely helps to look at options that suit your needs as well as your budget. By trying to obtain a vehicle beyond your means, it becomes more likely that a lender will be skeptical about whether or not you make a good loan candidate. Opting for used and older vehicles is a great way to be frugal while still getting a car that suits your needs.


Get a Cosigner


A cosigner may be a requirement for a bad credit car loan but even when it is not, it can be beneficial. A cosigner will become responsible for your loan should you become unable to make the proper payments so it can help make you appear as less of a credit risk.

Where to Shop for Your Next Car Loan

It’s difficult enough deciding which type of car to buy. It can also be frustrating to know which dealership is right for you and which one can give you the best financing. However, this task doesn’t have to cause headaches and frustration. Out of all the dealerships near you, some stand out apart from the others. When you’re looking for car loans, make sure you shop at a place you can trust.




Like any other type of business, you see newcomers arriving in the car-selling and auto financing industry. New dealerships pop up all over the place, but you’re usually safer sticking to a dealer that has been around for years or decades. When a dealership has a proven track record of success, you can feel confident that the team there will take care of your needs and that they’ll have the knowledge and skill to help you find the right loan.




The last thing you need when looking for car loans is an over-the-top sales associate who pressures you into purchasing something you don’t need or want. The best dealerships lay off these tactics and instead create a positive environment where you feel comfortable making a decision for yourself. Search for loans from a place where the staff listens and provides you with honest, accurate information.




You may not initially think a dealership’s appearance is that important, but chances are high that if a dealership takes the time to tidy up its space, it’s also more committed to making your shopping trip more pleasant. When you need an auto loan, look at dealerships with clean and orderly lots and showrooms. It doesn’t need to be a palace, but a well-maintained business speaks volumes about the caliber of service you’ll likely receive.


Shopping for auto loans shouldn’t be an unpleasant task. Make sure the dealerships you visit possess these characteristics. If they do, you should be in good shape.

Be Bold and Get Approved With Bad Credit

Bad credit can be a bummer, but don’t be bemused by the bothersome banks that may be barriers between you buying the best car for business or pleasure. Our dealership works with lenders that are often able to see past poor credit and provide bad credit car loans to people that are able to meet certain criteria. Yes, your credit may be bad, but with the addition of a cosigner or a hefty cash down payment towards the vehicle, our creditors may be able to work with you.


Even if the lending specialists at our dealership are unable to accommodate your loan, it does not mean that a different third-party lender won’t be able to do what ours could not. Different banks and lenders have different qualifications for borrowers when it comes to car loans. A poor credit history does not automatically disqualify you for approval, it all depends on the specific criteria that each lender is using to scrutinize their borrowers.


One way to bypass the loan approval process all together is by paying for the car in its entirety upfront. In this manner no loan is necessary. Depending on your specific situation however, saving the entire purchase amount for the car of your dreams may be a long and disciplined process. Another downside to this option is that it won’t help to better your credit.


Approaching lenders with good credit is one’s best bet when it comes to being approved for a car loan. You can raise your credit score by successfully accruing debt and paying it off in a responsible and timely manner. Do so by getting a credit card, a car loan, or a mortgage and paying it off in installments before the end of each billing cycle.


Come to our dealership with what ever credit score you have and we will be happy to work with you and do our utmost to help you drive away in the best car for your needs. Let us help you build up that bad score with a car loan and have you drive off with a smile on your face.

Bad Credit Doesn’t Mean You Canad-afford a Car

Is the only thing lower than the temperature outside your credit score? Don’t let bad credit keep you from purchasing that pickup perfect for parking at the pond while you play a game of hockey. Bad credit car loans can be easily financed by a friendly Canadian car dealership. Creative methods of financing are available to work around the worst of credit scores. Deals can be had that will have you worried the Mounties will come and trot you off to the lock up, but fear not. A good dealership will have you traversing the provinces like a maple leaf caught in the jet stream, fluttering from coast to coast and taking in everything the Great White North has to offer.


Don’t be a Goof, Talk to your Dealership


A local dealership is there to service the community with friendly Canadian car accommodations. Many dealerships have dedicated staff with the sole purpose of finding creative ways to finance vehicle purchases. Loans can be crafted that benefit the lender and the borrower no matter the purchasing party’s credit, good, bad, or non-existent. Don’t let bad credit be a deterrent from exploring financing options you may not even have known were possible.


Some things that can facilitate an even easier loan process, in the light of poor credit, are having a vehicle to trade in or having a cosigner on the loan. Long dark winters make folks want to cozy by the fire with a special someone. Why not have that cuddle-buddy cosign a car loan with you? Bad credit can be mitigated by having a second party take responsibility for the loan in the event of the primary signer’s default. Alternatively, provide a large down payment or a vehicle to trade in towards the cost of the new car. Lenders love mitigated risk, and these are some dealership-accepted ways of doing just that.

Getting a Car Loan: The Do’s and Don’ts

Vehicles are expensive, so it’s pretty common to need auto loans, and they’re not always easy to get. Here are some things to know that can help or hurt your loan request.


Do: Decide on a Car Type


You’ll want to know what kind of car will suit your needs, and about how much money you’ll need to cover its cost. For example, if you have a long commute each day, you’ll want a vehicle than hand handle

those demands. If you have a big family, you’ll need the appropriate space, and so on.


Do: Know Your Budget


Based on your monthly income and expenses, know how much you can afford to be paying back on a car loan each month. This will help you pick the right loan and repayment plan for you.


Do: Check Your Credit


Before looking into loans, you should know your credit score, because this can give you an idea of which loans you’ll have better luck soliciting and which ones are likely beyond your reach. You may need to work on improving your credit score before having a solid shot at the loan you need, so make sure you’ve done your homework beforehand.


Don’t Be Uninformed

You’ll want to be sure and do your research, as well. Get all the facts about interest rates, fees, and other borrower rights and responsibilities before deciding on a bank or the loan itself.


Don’t Forget to Get Preapproved

Sign all the paperwork for preapproval from your bank or institution, and have it in hand when you go vehicle hunting. Remember, you don’t have to spend the whole amount you’re preapproved for, but if you spend more, then it’s out of your pocket, so this is an important step not to skip.


There are many factors to getting an auto loan, and there’s a lot that can enhance or hinder your loan request. These tips should be helpful in practicing good and informed borrowing as you go about getting your loan.

How to Handle a Car Loan When You Have Bad Credit

You need credit to improve your credit score, but you often cannot get credit if your credit score is low. Many people experience this paradox, particularly when they are trying to finance their next car. Bad credit car loans can be a great way, however, not only to get the car you want but also improve your credit score. Here are some ways to be smart about it.


Plan Your Budget


Before you ever look at a car, take a look at your monthly expenses. Carve out a section for your car payment. It is important to have a solid idea of what you can afford to spend before you walk into the dealership. Planning a responsible budget and being able to prove to the dealership that you can afford the car you choose improves your chances of being approved for a loan.


Improve Your Credit


When you first start thinking of getting a car, peruse a copy of your credit report. If you see any mistakes, report them and get them corrected before you start car shopping. In the six months prior to visiting the dealership, be extra vigilant about paying bills on time. Even if this does not improve your credit score, it can at least protect it from getting worse.


Take Your Time


Once you have chosen a car that fits your budget, you can talk terms. Make sure you read and understand all the conditions of the loan before you sign it. Feel free to ask the dealer any questions that you have to help clarify what you read. Having a solid understanding of what is expected of you can help you pay off the loan successfully, thus improving your credit.


It may be a little more difficult to get bad credit car loans, but it is not impossible. If you can demonstrate that you have realistic means of honoring the terms of the loan, you could be driving your next car in no time.