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Frequently Asked Questions

  • What is a credit score?
  • Will I need money down?
  • What If my own bank turned me down?
  • What if I owe more on my trade than it's worth?
  • What if I've been bankrupt?
  • What is a credit score?
    The formula for a credit score is fairly complicated. It is based on several major factors.
  • Will I need money down?
    Will you need money down? In a word, “No.” But that doesn’t tell the whole story. While money down on a car loan is not always necessary, it is always recommended. Why? That’s what we’re here for. So take a few minutes to learn what’s best for you and your situation. We’re sure it’ll save you a few headaches—it may also save you thousands of dollars.
  • What If my own bank turned me down?
    As a general rule local banks do not like to extend new credit to customers who appear to be struggling with their current debt loans. Unless you have some strong collateral ie/ home equity they will shy away from subprime loans and my even in some cases even call in some of your outstanding credit with them if they see that you are falling behind.
  • What if I owe more on my trade than it's worth?
    Because ALL vehicles depreciate most people who are currently financing and making the minimum payment will be backwards on their trade. This difference is called negative equity and for qualified buyers can be rolled over into the new finance application. If you don’t owe money on your trade you can use it as money down to reduce your payment.
  • What if I've been bankrupt?
    Bankruptcy presents a challenge to car loan approval, but it’s not an impassable barrier. Every situation is unique, from the cause of your bankruptcy to the extent of your debt. As we’ll explain, a car loan can be the perfect place to start rebuilding your credit, even if you’re emerging from personal bankruptcy. Here’s everything you need to know.

FAQs

What is a credit score?

The formula for a credit score is fairly complicated. It is based on several major factors.

Will I need money down?

Will you need money down? In a word, “No.” But that doesn’t tell the whole story. While money down on a car loan is not always necessary, it is always recommended. Why? That’s what we’re here for. So take a few minutes to learn what’s best for you and your situation. We’re sure it’ll save you a few headaches—it may also save you thousands of dollars.

What If my own bank turned me down?

As a general rule local banks do not like to extend new credit to customers who appear to be struggling with their current debt loans. Unless you have some strong collateral ie/ home equity they will shy away from subprime loans and my even in some cases even call in some of your outstanding credit with them if they see that you are falling behind.

What if I owe more on my trade than it's worth?

Because ALL vehicles depreciate most people who are currently financing and making the minimum payment will be backwards on their trade. This difference is called negative equity and for qualified buyers can be rolled over into the new finance application. If you don’t owe money on your trade you can use it as money down to reduce your payment.

What if I've been bankrupt?

Bankruptcy presents a challenge to car loan approval, but it’s not an impassable barrier. Every situation is unique, from the cause of your bankruptcy to the extent of your debt. As we’ll explain, a car loan can be the perfect place to start rebuilding your credit, even if you’re emerging from personal bankruptcy. Here’s everything you need to know.

Credit Guys / Indoor Auto Sales
Credit Guys / Indoor Auto SalesTuesday, June 27th, 2017 at 9:38am
Jamie Mospanchuk and Lauren. Taking home his New 2013 Ford F150 SXT.
Credit Guys / Indoor Auto Sales
Credit Guys / Indoor Auto SalesSaturday, June 24th, 2017 at 6:02am
Justine Perreault taking home her New 2016 Honda Civic. Sweet Ride.
Credit Guys / Indoor Auto Sales
Credit Guys / Indoor Auto SalesFriday, June 16th, 2017 at 5:55am
Tammy Leask taking home her New 2014 Town & Country. The deal she received literally knocked her off her feet. Right Tammy. 😉 Remember to enter the contest. Read the rules.
Credit Guys / Indoor Auto Sales
Credit Guys / Indoor Auto SalesTuesday, June 13th, 2017 at 5:12am
Daniel Friesen taking delivery in Thompson M.B. of his New 2013 Ford Escape SE Loaded. Thank you for getting your 2nd vehicle in a year from Credit Guys. Enjoy your new ride 😀
Credit Guys / Indoor Auto Sales
Credit Guys / Indoor Auto SalesSaturday, June 10th, 2017 at 12:56pm
GREAT NEWS!!! We have opened this draw up to Everyone who has purchased or purchases a vehicle from Credit Guys/Indoor Auto Sales from June 1st to June 30th, 2017, will be entered into a Month end Draw for a Free Kids Tao Tao. Offer expires June 30th,2017. TO BE ENTERED - You Must: Like our page, Share this post and Comment : Done. -- Celebrate Canada's 150th Year Birthday with a Free ATV for your child/grandchild. Draw to be held July 4th at 3pm. We Will broadcast Live on Facebook. Good luck!!