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2017 Auto Loan Financing Options and Tips for Canadians


2017 Auto Loan Financing Options & Tips for Canadians

Are you trying to get a new car for your family but you don’t really know where to start? Well if this sounds like you then you’re definitely not alone. A lot of people are looking for just what they should do about getting that car without having trouble because of poor credit or other issues. The most important thing is understanding just what you really need to do in order to find the right financing for your next car, because you definitely don’t want to spend too much.

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Know What You Can Afford

2016 Auto Loan Financing Options Pic 1

The first thing you need to know about your financing process is how you’re going to afford the vehicle that you’re getting. That means you need to know just how much money is coming into your household each month and you also need to know how much is going out. It’s not always easy to do but if you sit down with your check stubs and your bills you should be able to figure it out pretty easily for yourself. Once you’ve got that number you can check out more information about getting your loan here.

The loan is going to be based on what you can afford to spend each month on the new car. If you have a lot of money you can likely get a newer car or a larger car or one that has more features and luxury abilities. If you don’t have a lot of money you’ll want to slim down your choices to something that is more affordable. That doesn’t mean you can’t get what you want. It just means you have to think about the features that are most important to you and go from there.

Know Your Ideal Car

You want to know what you’re looking for in a car. That doesn’t mean you have to have the exact vehicle picked out. What it means is you need to consider different options in the vehicles. Do you want a car? A truck? An SUV? Do you want all-wheel drive or two-wheel drive? Are you looking for a high tech infotainment system? Do you want to be able to get off-road? All of these things are going to be important to know and will help you prioritize what you really want in your next car. Plus you’ll be able to get your loan easier. It’s all right here.

2016 Auto Loan Financing Options Pic 2

Know Your Options

When it comes to financing you want to know what you have to choose from and there are actually a few different things. The first option is to buy a car, which means you get all of the money up front and you pay it back over time and the car is yours from day one. This way you will own the car for yourself and you won’t have to worry about any type of damage that might occur or how many miles you put on the vehicle in a year. It’s all going to depend on your credit report however, which you can find right here.

Another option is to get a lease. With this type of option you don’t actually own your vehicle at any point (unless you buy out the lease). Instead, the dealership always retains ownership of the vehicle and you pay for the right to borrow it from them for a while. That right to borrow depends on a number of different conditions and if you don’t follow those conditions they can charge you a whole lot of money after the lease is up. Plus, once the lease is over you don’t have anything to show for it because you’ve paid every month but the vehicle still belongs to the dealer. What many people don’t know is you can get a loan for this too and you can do it right here.

When we look at other options we see that you can choose where you want to get the loan from as well. Many people look only to the dealership or their credit union for a car loan, because they think those are the only places that they can go, but the truth is there are plenty of other places that you can get a car loan and you should be looking at each of them before you make a decision. Though these loans are often easy just because they’re at places you go to frequently, they’re not always the best ones for you.

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Another option is to get a loan from a third party. This is someone who is willing to take a risk on you and your credit and wants to do what they can to help you get the best deal possible. They are going to help you get the money you need because they want you to be able to get a vehicle and they are not going to care about your credit, which is definitely important for those who don’t have the best of credit. The key is making sure that you get the loan from a reputable company. One place you can find out more is right here.

No matter what you decide to do or how you go about getting your car loan you want to make sure that you’re paying attention to what’s out there and available for you. If you spend a lot of money on interest you’re going to end up wasting some of your money without intending to. If you’re careful about where you get that car loan and you work on finding third parties rather than just going with the regular places you’ll be able to cut your interest rate down or even get a loan when others have turned you down. Your bad credit doesn’t have to ruin everything for you. You could be driving off in a brand new car a whole lot sooner than you might have thought. You’re just going to have to spend a little more time looking for the loan, but definitely not more time applying for it once you’ve decided where you’re going to go, because it’s easy to apply for your next loan.

We provide free service in 8 provinces, Ontario, Nova Scotia, New Brunswick, PEI, New Foundland, Manitoba, Saskatchewan, and British Columbia. We service everyone from Toronto, Ottawa, London, Hamilton, Mississauga, North Bay, Thunder BaySudbury, Sault Ste. Marie, Barrie, Oshawa, Brampton, Kitchener, St. Catharine’s, Niagara Falls, Belleville, Windsor, Bracebridge, Gravenhurst, Collingwood, Orillia, Peterborough, Nepean, Cornwall, Kingston, St. Johns, Saint. John, Moncton, Winnipeg, Brandon, Red Deer, Calgary, Edmonton, Saskatoon, Regina, Kamloops, Victoria, Surrey, Kelowna, Vernon, Prince George, Nanaimo, Fort McMurray, Banff, Moose Jaw, Prince Albert, Swift Current and the rest of Canada. Our dealer network is one of the largest in Canada and always provides free finance to own quotes.

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