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Poor Credit Car Loans

Poor Credit Car Loans

Bad credit in general, or poor credit car loans is what Edmonton Truck Credit specializes in. Poor credit car loans with Edmonton Truck Credit are available in Alberta, Saskatchewan and BC. Fast financing approvals on poor credit used car loans.

Poor credit comes in many forms and affects the interest rate and payments on new and used car loans. Most lenders use credit scoring when they screen new and used car loans for credit worthiness. Credit scoring in Canada is based on a personís credit history and information from either or both of the two major credit reporting agencies in Canada, Equifax and Transunion. No matter where you apply for new or used car loans, information will most likely be pulled from one or both of these reporting agencies. This is how a lender determines if a car buyer has poor credit.

Credit scoring uses complicated algorithms to produce a number between 300 and 900, which is called a personís beacon or credit score. Each lender uses different guidelines and the lower the rate, the higher the credit score required to qualify. When a credit score is below the risk factor most lenders wil not risk, it is called a poor credit car loan.

We specialize in Poor Credit Car Loans

The majority of people with poor credit prefer a used car as they donít want to pay for the major depreciation a new car brings in the first two years. Poor credit used car loans are smart because someone else has already taken the new car depreciation.

Once pre-approved, an Edmonton Truck Credit business professional will let you shop our extensive stock of used trucks and cars. We certify the cars we sell and offer an optional 2 year warranty. We go the extra mile to make sure our customers get a solid, reliable used car with their poor credit car loans.

If we donít have the used car or truck you want in stock, we will find it. Edmonton Truck Credit is plugged into an extensive used car network in western Canada. We will locate your used car and deliver it to your front door.

You can also help us find your used car. If you run across a great private used car deal just let us know. Youíre already pre-approved so we will purchase the used car and take care of the logistics. Our primary goal is to make sure our customers get a safe used car at a reasonable price. We include full sales and financing service with our poor credit car loans.

Do not let Poor Credit hold you back

Edmonton Truck Credit offers guaranteed credit approval on our poor credit car loans. Our business professionals can answer any questions or concerns about poor credit car loans. Give us a call or use our fast no obligation application for poor credit car loans.
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