Brantford Kia

I've got bad credit or no credit and I need a car.  Can I get approved?

If you have a source of income that can be verified, can afford a $40 per week car payment and have a $500 downpayment or trade, then yes you will be approved.

What type of vehicle can I get?

We sell all domestic brands (Chrysler, Ford, GM) and all imports (Kia, Hyundai, Honda, Toyota, Mazda, Nissan) and we have a preferred buying service that locates and brings cars in for pre-approved buyers.  If you have a low credit score, you need to be flexibile and willing to drive modest transportation until your score improves.  We will determine how much you are approved for based on income.

What are the interest rates?

Your personal situations determines the rate that you pay.  If you have A+ credit the rates start at 0% and go up to 5.9%.  If you have C credit, then the rates start at 7.4% and go up to 19.9%.  If you have D credit then the rates range from 20.9% to 29.9%.

What are my payments?

A+ credit - $43 per week or lower
B+ credit - $48 per week or lower
C credit   - $61 per week or lower
D credit   - $74 per week or lower

How long am I locked in for?

The term depends on your situation and the vehicle you purchase.  The goal is to improve your credit score so that you can trade the vehicle back in within 18 months and get a better interest rate.

What do I do next?

If you have any questions, fill out the contact sheet to the right.  If you are ready to find out what you qualify for, complete the credit application.  You will need two recent pay stubs once we have you application approved.