Auto Finance Questions Answered


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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.  Whether you live in Brantford, Cambridge, Hamilton, Ancaster, Grimsby, Burlington, or really anywhere in Ontario, submit a pre-approval.



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 flexible 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.  We currently have a special on where people with B credit can still get 0.99% finance on a new Kia, and people with C credit can get 8.99%.  You can call us for more details or submit a application to find out your rate.



What are my payments?  Here's some examples:


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.

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