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(604) 506-3514
(604) 506-3514
Guaranteed Auto Loans gets you financed for your new or used vehicle and has a wide selection of vehicles to choose from.
Financing is available for used cars in Surrey, White Rock, Langley, Vancouver or anywhere else in BC even if you have poor credit! Get a vehicle of your choice for $0 down.
Whether your credit is good, bad, bruised or you have no credit….you're APPROVED!
ABOUT US
ABOUT US
Getting your hands on the wheel of your first car is a dream many people share who have not been able to buy a car. People can do so many things with a car such as travel to distant places or visit beautiful places near your area. On a more practical tone, it is used as a means of transportation to get to work and finish chores.
All of these can be a factor for people to push themselves to get a car. If you have been looking for an auto loan, you can do it over the Internet. Online auto loans have been a hit since the advent of online transactions. As a car insurance applicant who never had prior experience applying online for a loan, here are a few tips to keep in mind.
- Do it online. One of the best choices to get a loan is to apply car loans online. Compared to its traditional counterparts, you do not have to suffer expensive rates and mediocre deals. Applying through the Internet gives you the best rates because there is high competition in online loans. Car companies and dealers will learn how to decrease their rates without hurting the company. Moreover, you can use the Internet to browse as much companies as you can. You can also ask for quotes for a specific car you had in mind and compare them for the best affordable deals suitable to you.
- Know whether you have good, bad, or no credit scores. What is the difference between having good, bad, and no credit scores? Credit scores are what lenders use as basis for their capacity to pay loans and attitude towards it. Having a good credit standing is the most ideal score to have since it is what conventional lenders are looking for when you want to apply for car loans. Bad credit score means you have a rating of less than 625. This makes car loan applications difficult, while having no credit history is almost the same as having bad credit scores. It's a good thing the Internet has car loan companies that accept applicants regardless of their credit score.
Contact Details:
Guaranteed Auto Loans
2780 King George Blvd,
Surrey, BC V4P 1A2
(604) 506-3514
Car Loans
Car Loans
Auto Loan Approval
Auto Loan Approval
- Prepare your documents. After the easy application you completed online, you must prepare your documents. Documents may include proof of employment, proof of paying capacity, and some household and phone bills. All of these are used by online car loan companies as a basis whether to accept your application or not.
- Pick the right car. There are many kinds of cars you can choose from, but all of them fall under one of the two categories: new and used cars. For first time car loan applicants, it may be suitable for you to get a used car. This is just a way to build or improve your credit score while still having a car to drive around. This is also more affordable than getting a brand new car.
If you are applying for online car loans for the first time, make sure to remember these tips to guide you with your application.
Throughout the course of a typical person's life, he or she will make two major types of investments. First, a typical person will purchase a home. Second, an individual will also make the purchase of a car from time to time throughout the course of his or her lifetime. If you are on the brink of purchasing a car it is important that you understand what people need to do in order to get their financial houses in order in advance of applying for car loans.
Check Your Credit Report
The first step that needs to be taken before you begin the process of checking into different car loans is to check your credit report. Before applying for car loans, it is imperative that you make absolutely certain that the information on your credit report is accurate.
When it comes to applying for car loans in the 21st century, lenders focus their attention on your credit score more than anything else. If your credit score does not rise to an appropriate level when it comes to lenders that specialize in car loans, you will not even be able to get your foot in the door to even be considered for car loans.
What you must understand when it comes to your credit report and car loans is the unfortunate reality that the vast majority of credit reports contain inaccurate information. In other words, before you apply for car loans, you need to understand that odds are rather strong that your own credit report will contain inaccurate information about your credit history.
By taking the initiative and correcting any erroneous information in your credit report in advance of seeking car loans, you will raise your credit score and place yourself in a far better position of being approved for one or another of the car loans that end up making application to obtain.
Make Sure Your Accounts are Current
While you are making certain that your credit report is 100% accurate, you will also want to make very certain that any and all of your current credit accounts of loans are current.
In regard to making sure that your present revolving or credit accounts are current and making sure any other loans are up to date, if you are behind in your payments you will need to bring them current ASAP. Moreover, in an ideal world, you will want to hold off applying for car loans for at least six months after you bring your accounts up to date and current. (Of course, the world is not a perfect place and you might not be able to wait six months to seek car loans. However, by being proactive and thinking ahead, you may be able to allow for this length of time between bringing any pre-existing accounts current and the point at which you start the car loans application process.
There are a number of reasons that can make one's credit score dive to a lower-than-acceptable level for most conventional lenders to consider with any regard. Missed installments, non-pays, judgments, bankruptcy and repossession can wreak havoc on one's financial life. If you're in need of transportation, you can feel especially uneasy when applying for a loan, particularly if your score is lower than what most conventional lenders deem as acceptable. However, if you're at least 18, have a bank account and have been on your job for at least two years, in many cases, you can overcome your credit woes through bad credit car financing.
The Advantage of Bad Credit Car Financing
With a bad credit car finance loan, you have the chance to refinance at a later day for a lower APR if you demonstrate a conscientious effort toward making your payments on time.
RESOURCES
RESOURCES
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An Incentive for the Future
Needless to say, poor credit car loan financing can be a remedy to an ailing credit score. By securing such a loan, you can prove that, by making your monthly installments, you can qualify for a lower interest loan in the future. With such a loan, you'll be given the chance to see the day when you will be accepted for conventional financing.
A Review of the Past
Before you apply for any car financing with bad credit loan, it might be a good idea to review your credit report and see how you can improve it. Reduce your credit card debt by paying off some of the higher interest credit cards if you can. Sometimes paying off two large credit card balances can cause your score to soar almost 200 points. This, in addition to making every effort toward making your payments on time can assist you in getting a better deal on financing a car with bad credit.
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