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Get the Money You Need to Drive Away Today

Money is what makes the world go around. We need it for food, shelter, and transportation. The latter is where our dealership comes into play, a place of business dedicated to helping you purchase the car or truck of your dreams. Our expert salesmen will guide you through our vast selection of automobiles, honing your sights to the perfect match for your budget and taste. Furthermore, our lenders can help you afford the perfect car by offering a plethora of car loans and loan options, one of which will fit even the toughest of customers with the worst of credit scores.


Credit and lending are hallmarks in the auto industry, and a car loan has let many a would-be-buyer afford vehicles that are integral in their lives. There is not a dealership known to me that doesn’t accept money from a buyer that is funded through a car loan. Not only are they important to the industry, but also to the overall economy, as the vehicles they afford people facilitate their movement between home and work and to the commerce centers that fuel the monetary society that we all live in and enjoy.


Canada is a great place to drive. Vast wilderness and bustling city-centers allure even the most homebody-centric people to the open road. Getting a car loan can the be the best thing that has ever happened to you. You will enjoy the freedom of the open road and the ability to travel here and there as you see fit. There is no better feeling than driving away in a vehicle that makes you grin just sitting in it. At our dealership you’re sure to find the perfect car or truck for your taste. Whether it be a sporty new roadster or a burly four-wheel drive truck, we have what your need. Get yourself a car loan and come on down to our dealership and we are sure not to disappoint.

3 Reasons To Buy a Used Car

No one sets out to buy a vehicle hoping to get a car that’s just decent. You want something that meets your needs and looks good, while having features you enjoy. Often times, these factors cause people to overlook used cars, when a preowned vehicle can actually check all the boxes if you know where to look. Before you buy something brand new, consider these three reasons to shop used.


  1. Less Pressure


People don’t always think clearly under duress. The pressure to buy the perfect vehicle might cause you to give too much value to a certain feature, such as fuel economy, while overlooking something equally important, like safety rating. When shopping for used cars, the reduced price tag usually reduces some of the pressure as well, helping you focus on the things that are most important without becoming overwhelmed.


  1. Certification


Chances are, a new car off the lot will work well. However, new vehicles don’t have a driving history you can look at. Meanwhile, a certified used vehicle offers a proven track record and a clean bill of health signed by a trustworthy mechanic. While the car has been driven previously and maybe has undergone some maintenance, you go into the purchase knowing exactly what work was done and why it was needed. In many ways, preowned cars offer assurance you can’t get from a brand new model.


  1. Cost


If you aren’t exactly sure what kind of car you want, it’s not worth taking on a big loan or spending all your savings. Buying something used will save you money and enable you to figure out what kind of vehicle suits you without breaking the bank.


The most important matter when car shopping is getting a vehicle that works for you and your situation. More often than not, used cars will fit drivers’ needs as well as any other option.

Bad Credit? What to Keep in Mind When Car Shopping

Your credit history follows you everywhere. So, what do you do when you want to buy a car? Are there bad credit car loans that you can rely on? The truth is, no matter what credit situation you are in, it’s stressful to go shopping for a car. When you add in figuring out the best finance option for you, it can get even worse. If you’re stuck with bad credit, here is what you need to consider when purchasing a car.


Interest Rates


Interest rates are usually set higher for those with poor credit. Keep this in mind when shopping for an auto loan. This can be particularly true of banks and other lenders. When coming straight to the dealership, you can sometimes get better deals on interest rates. Don’t be afraid to talk to us directly about your interest rate concerns.




You could utilize a few different lending options. The first is a direct loan. This loan would come from a bank or other institution. They would approve your loan before you shop for a car and then you would find something to fit within the constraints of that loan. At a dealership, we treat these customers as if they are making a cash purchase. It’s not always the best option for those with bad credit, however. At a dealership, we’re more specialized in bad credit financing. To go straight to the dealership is called an indirect loan.




When purchasing a car, keep your budget in mind. While you may receive financing, it’s important to keep careful track of how much you can afford to pay every month. After all, if you can’t make the payments, your credit will suffer more.


Everyone should be able to afford a car, no matter if you have poor or good credit. Luckily there are always options available.

How to Secure a Loan if You Have Bad Credit

Though it’s not true for all people, you probably have a lifestyle where owning a reliable car is a necessity. You use your car for your daily professional and professional needs. When you need to start thinking about getting a new vehicle, you’ll probably need a loan. But what if you have less-than-ideal credit? Don’t think that all hope is lost. Many dealers are ready and willing to work with you and offer bad credit car loans.


Research Carefully


Finding the right dealer is almost important as choosing the car itself. You want to work with a dealership that has experience and expertise. It’s essential that you choose a place that offers great customer service and has a long-established reputation of doing business ethically and responsibly. Sometimes, if a dealership advertises car loans for customers with bad credit, the dealer lacks other essential qualities. Take your time to research the best dealerships. Ensure that it meets all of your important qualifications.


Read Online Reviews


You aren’t the only customer looking for bad credit car loans. If you’re having trouble finding a reputable dealership that’ll work with your poor credit, get online and see what other previous and current car buyers are saying. Look at several dealers in your area and see what other people liked and didn’t like about the dealerships’ offerings and service. This will help you narrow down your choices and pick a trustworthy option that’ll work with you and offer flexible loans.


Improve Your Credit


Another route to take is to work on your credit so that you can more easily qualify for a traditional auto loan. Make sure you pay your bills on time. Pay down your debt as much as possible. You can also work with a credit counselor to identify area on your credit score that you can improve.


It’s possible to get bad credit car loans if you know where to look. With some investigating and some hard work, you can drive off in your ideal car.

Steps to Take Before Financing a Car

If you have been checking out car online and dreaming of getting into a new ride, you may feel ready to run to our dealership and buy right away. As happy as we will be to see you, there are a few things you should do before you finance your next car.


Check Your Credit


Before you take out any new line of credit, you should check your credit score. Doing so will help you understand what options are available to you. If your score isn’t as high as you want it to be, don’t worry. We offer bad credit car loans as well.


Know Your Budget


Purchasing a vehicle is a significant investment. Sit down and create a budget before you decide which car is right for you. You should determine what your maximum monthly payment is, as well as your maximum overall price.


This step can help ensure that you purchase a car that makes sense for you. Your vehicle should be a source of happiness, not stress.


Think About Insurance


When you make your budget, don’t forget about insuring your car. Remember that different types of vehicles can have different insurance needs. If you’re not sure what kind of car you can afford to protect, give your agent a call.


Bring Someone with You


Getting a new car is exciting. In the happiness of the moment, you may need another set of eyes and ears to focus on the details of the transaction. When you come to our lot, bring your partner, trusted friend, or family member.


Find a Car You Love


Once you have done the work to be ready for a car loan, it’s finally time to choose the right vehicle. Remember, this is a significant investment. Make a checklist of “must haves” and “wants” and bring it to the lot. This list can help you find the car that will make all this work worth it.

3 Essential Steps to Obtaining a Bad Credit Car Loan

If you need a new vehicle but have bad credit or no credit, you may be feeling frustrated and at a loss as to what to do. After all, you can’t afford to pay for a new vehicle in cash and you no one will finance you…or will they? Bad credit car loans are not as rare as you might think, and if you put in the time and effort, you will obtain the financing you need to help pay for your new set of wheels. To ensure your endeavor is a successful one, use the following three tips to get a bad credit car loan:


Don’t Assume the Worst


So you used Credit Karma and they told you that your credit is horrible? Or maybe you visited a dealership last week and they said they couldn’t do anything for you? However you learned that your credit was bad, if it wasn’t through FICO, the information may not be accurate. Go to to obtain a report from all three credit bureaus. If you score is even a few points above what you were told, it could make a difference between getting approved and being told to go home.


Shop Around


Don’t be discouraged when a dealer tells you they cannot help you, but also, don’t take the first loan that you’re offered. If you have poor credit, you may see a variety of offers, some better than others. However, you can’t know if an offer is the best you’ll get if you don’t shop around first.


Look to Auto Lenders


While you may want to keep your business with your bank, doing so may actually hurt your cause. Banks are notoriously rigid when it comes to handing out auto loans. Avoid low-credit lenders as well, as though they approve just about everyone, they’re notorious for charging outrageously high interest rates. Instead, look for lenders that specialize in auto loans, as they’re in the business of helping dealerships and shoppers alike.


Bad credit car loans are out there, and by keeping the above tips in mind, you will find the one that is best for you.

How Increasing Your Down Payment Affects Your Car Loan

It can be tough to navigate your options when you are looking for car loans. Offers of 0% down or 100% financing can be tempting. If, however, you have the money to put a down payment of 10%-20% of the price of your auto purchase up front, doing so can work out better in the long run. There are several reasons why we think this is a good idea.


Shorter Upside Down Period


Every car loan goes through an initial period where you owe more on the car than it is worth. This is called being upside down. This phenomenon can be due to depreciation or simply due to the taxes you owe on the car. The more money you can put down at the beginning, the less time you will spend being upside down.


Smaller Required Payments


Your monthly payments will be smaller if you can put down a large down payment. If you have a five-year term loan on an $18,000 car, and you can put $3600 down, you will only have to finance $14,400 over 60 months. Depending on the amount you have set aside in your monthly budget to cover your car payment, you might even be able to opt for a shorter term for your loan, which will shorten the amount of time it takes you to pay off your vehicle altogether.


Lower Interest Rate


Obviously, the less you have to finance, the lower the amount of interest you are going to pay. In addition, paying more up front can actually result in a lower interest rate. When we finance car loans, we are taking a risk. The less you have to finance, the less you owe us. This makes you less of a risk, and we like to reward those who lower our risk with more attractive interest rates.


If you are financing a car, consider making a 10-20% down payment. Let us help you crunch the numbers to see how beneficial a down payment can be.

How a Car Loan Operates

Buying a used or new car usually involves getting financing from the dealer. While we know our loans, it doesn’t hurt to come prepared and knowing how auto loans work can save you money. Take a look at the three elements that affect a loan and how they can change how much you pay overall.


Annual Percentage Rate


The APR on your loan is the rate of interest you’ll pay on top of your loan amount. The higher the rate, the more money you’ll pay. The annual percentage rate is based heavily on your credit rating, so checking your score before you come to us can be helpful. This way you’ll have a better idea of the interest rate you deserve.


The Amount of the Loan


The loan amount will be determined by the price of the car minus any trade-in value from old cars or down payments you might make. Obviously, the lower the loan, the less money you need to pay back, so bring us your used cars and make the biggest down payment that you can afford. The savings per month can be significant.


The Length of the Loan


The length of your loan is how long you have available to pay it back and it ranges from 3 to 8 years on average. While adding time to your loan term can lower your monthly payments, it also means more years that you’ll be paying interest on the loan. This can cost you hundreds of dollars extra. You’ll see now that getting the lowest APR available is important, but you’ll also want to arrange the shortest loan term you can manage to pay for. We’ll help you calculate the change in your monthly payments based on all the variables, but you can also play with loan rate calculators online.


When buying a new or new-to-you car, you’ll most likely need to take out an auto loan. Knowing how each of the three factors that make up your financing work makes applying with us much simpler and helps you get the best rates available.


What to Look at in Your Auto Loan

When you are exploring car loans, you want to look at a few specific elements to ensure that they work for you. Knowing more about these factors will help to make sure that you choose the best loan for your needs and situation.


Term of Your Loan


You want to know how long you will be paying on your loan so that you can budget for the monthly payment. Shorter loans can be beneficial, but you will pay more each month. With a longer loan, your monthly payment is usually lower, but you might actually pay more since interest will tack on for longer.


The Monthly Payment


You have to ensure that your monthly payment is something that you can afford. Remember that you will also have auto insurance too to budget for. If you can put down a larger down payment, this could reduce how much you have to pay each month for the life of your loan.


The Interest Rate


Your interest rate has a major impact on the total loan cost. It also plays a role in your monthly payment. If your credit is at least moderately good, the dealership might offer you a relatively good interest rate. If your credit is poor, you might have to take a higher rate in order to secure a loan.


Prepayment Penalties


Some loans will charge a penalty if you decide you want to pay off your loan before the term is up. For example, if you get a loan for 36 months and pay it off before this time, you might have to pay a fee. Your loan will tell you what this fee is going to be.


When you are getting a car loan, make sure to look at these factors. You want to ensure that they will work for you, what you need in a vehicle loan and your overall financial abilities.

Auto Loans Don’t Need to be a Nightmare

If you need a new car, but don’t have the money needed to pay for it in cash, you might feel a little (or a lot) of apprehension. Auto loans have been notoriously known as a contract full of fine print, hidden fees and high interest rates. I don’t think that’s fair and I don’t think that’s any way to treat a customer that is trying to give me business. I want my customers to be able to trust me so that come back and feel comfortable recommending me to friends and family. Getting referrals and repeat customers is the highest compliment I can get. I work hard to make that happen.


I keep my lot stocked with vehicles of every size, shape, and price range. I truly have something for everyone. Buying a car and getting a loan for it doesn’t need to be a big scary ordeal. It should be fun! Think of your first car. Remember the excitement you felt as you held your keys in your hand? I want to bring back that feeling. I want you to feel comfortable and safe in your car and with the financing option you choose. Come see me and I’ll show you a variety of cars in your price range. I’m not the kind of salesman that will try to sneak you into a car that’s more expensive than you can really afford. Trust me, it doesn’t do me any favors when you can’t afford to pay me back, so why would I want to do that? If you come to my dealership, we can work together to find you a car that you love. So, whether you have bad credit or good credit, low income or high, I want you as a customer. I’ll take your business when others won’t and I’ll work with you to make the best deal possible.