If you are like most people, you have a lot of traveling to do just to go about your daily life. Maybe you commute to work or school. Perhaps you shuffle children from one lesson or practice to the other. Maybe you just run your very own errands all day long, and you know that getting from one to the other is hard enough without having to take the bus or hoof it everywhere you go. With transportation a constant issue, perhaps you are even in the market for a used car but are worried that even poor credit car loans will be too hard for you to secure.
Does any of this sound familiar to you? As car sales specialists, we have seen just about every credit problem you can imagine. There is not a single credit scenario that we have not witnessed or cannot imagine. In fact, we know better than just about anyone that people of all types, shapes, and backgrounds are likely to have a poor credit rating that makes it nearly impossible for them to acquire reasonable financing through a bank or credit union. With a credit rating that keeps traditional lenders from even giving them a chance, many people try to make due without the vehicle that would simplify their lives.
When one considers the high opportunity cost of walking or waiting for a bus when he could be driving himself and factors that alongside the missed opportunities not having wheels of his own lead to, the affordability of creative financing makes more sense.
With our customers’ best interests at heart, we have our own means for seeing that you can afford to drive off the lot for convenience, mobility, and peace of mind. What’s more, nothing could make us happier than knowing that we have helped another worthy client find the right car at the right price. With easy term financing customized to fit your budget and your needs, we can and will help you to find the right car for to fit your busy lifestyle.
It can seem like auto problems come out of nowhere. One day you are driving along, not a care in the world, and the next your car just will not start. When this happens, and your car is beyond repair, it can mean that it is time for a new car. But what happens when you do not have the money for a new car? A loan is always an option, but if you have bad credit you may feel like you will not qualify for the loan you need. Luckily, bad credit car loans exist just for this situation.
Bad Credit Car Loans 101
A bad credit car loan is very much like a normal car loan, with a few small differences. This loan will qualify you for a vehicle that is in your budget. Generally, this means that you will be able to look at a wide range of used cars. Another key differences is that the interest rates on these loans are a little bit higher. While this may seem daunting at first, the overall total of the loan is lower, so the interest is not as big as a challenge to deal with.
Top Reason to Take Out This Loan
The best reason to take out a bad credit car loan is that you will be able to get the car that you need when you need it. Instead of throwing in the towel due to bad credit, this loan can actually help you to get your vehicle and even improve your credit. Depending on your credit score, taking out bad credit car loans can actually help you get your credit score a bit higher. When you make regular payments on your loan, your score will begin to reflect this.
Don’t let bad credit prevent you from getting the car that you need to survive. Consider bad credit car loans and in no time you will have the vehicle that you require while being well on your way to improving your credit score.
Shopping for a car should be fun and exciting. If you have credit issues, you may be dreading the experience. We want to help you get a car loan so you can have reliable transportation. Our dealership specializes in assisting consumers with credit problems. Slow credit car loans are available, but you will need to be prepared before you come in.
We believe everyone needs a chance to fix their credit. Often, the financing options for people with slow credit involve having the payments automatically taken out of the account before the actual deadline. With steady income and a bank account, you may qualify for more car than you thought possible.
Taking the time to look at your credit and fix the errors before you apply for financing is a good idea. If you are not under a time crunch to purchase a new vehicle, spend 3-4 months making payments on time to improve your credit. If you can’t wait, work with our dealership to find the right financing.
Before you shop for cars, get pre-approved for the right financing. Then you will know exactly how much you have to spend on your car before you shop. Our professional sales team will help you find the right vehicle to meet your needs and stay within your budget. You can test drive as many different cars or trucks as you choose.
Slow credit car loans that are automatically deducted from your account will improve your score over time. After a year of regular payments, it is possible to get refinanced with lower interest rates or into a better car. Don’t let your poor credit keep you from getting the vehicle you need to get to your job. Let our dealership help you find the financing so you can rebuild your credit.
Bring the fun back into the experience when you are assured you will be able to afford the vehicle you’re test driving. Find the right financing company by going through our dealership. We have many options for slow credit car loans. We want to give you the chance to fix your credit and drive the car you want.
Traditionally, visiting a dealer to buy used cars is not a popular method of shopping for automobiles among the majority of individuals. While an assortment of excuses exists for this avoidance, the fact remains that shopping at a dealer for your used car is almost always the most secure method of making this type of transaction. We work hard to meet not only your standards, but also the legal standards set forth which govern the price and quality you’ll find in the wide selection of autos we offer on our lot.
More Legal Protection
Because our industry is held to certain standards regarding the quality of the cars we’re able to sell at our dealership and the prices associated with them, you can always rest assured that you’ll not only always receive a proper price for your purchase, but that you’ll never receive a lemon in return for your hard-earned cash. Our cars are thoroughly inspected and repaired as needed before we present them for sale so you can feel confident in your purchase.
Warranties and Payment Options
Another way we make the buying experience safer for you is ensuring that you can afford the car you select during the process. We are able to offer the majority of customers payment plans that work with their budget to get them the car they select at the right price. Furthermore, most cars are typically covered under warranty so you can rest assured that you won’t be experiencing expensive repairs in the near future.
Our dealership focuses on making the shopping experience comfortable and safe for our customers while getting you the perfect used car for all of your transportation needs. Speaking to a representative can help you uncover your options when it comes to financing and assess your need to find the ideal ride that’ll serve you for years to come.
While you’ll want to thoroughly inspect any car before buying it, it’s especially important to do so with a used car. A good inspection informs you of any problems the car might have, some of which you might be fine with and others that could make you want to think twice about buying the car. Learn how to conduct a proper inspection on used cars.
Take a slow walk around the exterior of the car and inspect it for signs of exterior damage, possible cover-ups and misaligned panels. You’ll also want to open up the doors, hood and trunk to make sure everything’s in working order. While you’re at it, be sure to inspect the glass and bounce each corner of the car to check that the suspension is in good shape.
As you slip inside the car, be sure to check for suspicious odors. Anything that smells like mold might mean the car has sustained water damage in the past. All seats should be comfortable and intact, and you should be able to adjust them as well. When you get behind the wheel, check that the pedals work and are in good condition. Make sure all the instruments and the sound system are in good working order, also.
Under the Hood
If you aren’t mechanically savvy, it’s best that you have the car inspected by a professional mechanic. Dealerships usually have no problem letting you take the car off the lot to have it inspected. Note that while you’ll have to pay for an inspection, it can be worth it for the peace of mind it provides.
Inspecting a used car is a great way to learn more about its history and whether it’s the right car for you. Take your time with the inspection, and always go with your gut instincts.
Hours of operation due to Covid-19
|Monday – Friday
||10:00 am – 7:00 pm
||10:00 am – 5:00 pm
||11:00 am – 4:00 pm|
Pioneer Pre-Owned cares about our community and we currently remain open regular business hours. We understand the needs of our customers to have their vehicles serviced and to purchase vehicles. We are using safety protocols to maintain safe social distancing during this time and we are taking preventative steps to keep our visitors and staff safe.
We are asking our customers to not come in if:
1) They have travelled outside the country in the last 14 days
2) They have been on an airplane in the last 14 days, where possible unknown exposure may have occurred
3) They have been in direct contact with someone who travelled outside the country in the last 14 days or who is exhibiting flu-like symptoms.
4) They have flu-like symptoms themselves or feel unwell, or have someone in their household who does.
We are maintaining safe workplace procedures. We have increased our cleaning and sanitation and have implemented the following standards:
1) No handshaking policy.
2) Social distancing
3) Employees while sick or experiencing flu-like symptoms are at home.
4) ALL departments at the dealership are cleaned thoroughly.
5) A sanitizing agent will be used throughout the day on frequently touched surfaces in all parts of our dealership. It will be used immediately following any business conducted with our customers on the local area of the business conducted
6) Handwashing signs are posted in all washrooms and at entrances. Increased handwashing and cleanliness protocols are in place.
Keeping everyone safe and healthy is important! We will keep you up to date with business operations as government announcements are made.
Thank you and stay safe!
Our dealership is renown in the Lower Mainland for its cooperation with folks that have bad credit. Bad credit car loans are not a problem for the lenders that work with us, and poor credit should not be an obstacle for you that keeps you from coming in and driving away in the perfect car for your needs. While poor credit isn’t an impassable barrier for lenders concerning car loans, better rates and options are available for those with better credit. This translates to better and more reliable cars available for the buyer.
Work on Raising Your Credit Score Before Buying
A higher credit score will translate to better loan terms and a larger possible loan for new or used car seekers. Some ways to do this are to get a credit card from your bank of choice and use it responsibly. This means making purchases with the card that you can afford and then paying the card balance off every month before the end of each billing cycle. In this way you will establish a history of debt repayment that will translate into a higher credit score and allow future lenders to trust you more with their money.
Save Money for the Down Payment
Another way to circumvent bad credit when applying for car loans is to approach the transaction with a large down payment towards the vehicle. This will minimize the size of the loan that you are asking for and possibly sway a creditor to approve the loan because of its smaller amount. You can easily do this by making a monthly budget that includes a car savings category and then sticking to it over the course of a few months or years.
Poor credit is often seen as an insurmountable obstacle for many people when it comes to purchasing a vehicle. Don’t let this be the case for you. Our dealership is there to help you get into the car you want at the price you want, don’t let your bad credit come between you and your perfect vehicle.
People often dread looking for used cars, which is understandable since not every car dealer has an outstanding reputation. However, there are several factors you can use to narrow down which dealership you ultimately choose to work with. Keep these in mind the next time you are in the market for a used car.
Vehicle Selection and Availability
One of the first things you should consider when you are choosing a car dealership is whether or not the dealer offers the type of vehicles you are interested in. Not all dealerships are the same. The selection can vary depending on the location of the car dealership. Although car dealers can place an order for the type of car you are looking for, it may take a while before you actually get that vehicle.
Another key factor when it comes to selecting a car dealership to work with is customer service. You want to be sure you choose a used car dealership that places high emphasis on customer satisfaction not just making their monthly sales quota. One simple way to evaluate a potential dealership’s customer service is by looking at previous customer reviews.
Finally, the price range of cars at a used car dealership can be another determining factor in whether or not you choose to work with that dealer. It is important to note that you shouldn’t choose a dealership simply because it has the cheapest prices. A cheaper price may cost you in another area such as good customer service. If you have the opportunity, try to compare the average costs of the car you are interested in from several different dealerships.
As you can see, these are just a few factors that you ought to think about when you are looking for used cars. Just remember to compare several different car dealership options before you decide to work with one.
When you set out to look for your dream car, you want one that has all the right features but doesn’t break the bank. Used car dealerships offer you myriad car choices, and they are your best bet for finding that perfect car. Here are five of the benefits of buying used cars.
The first and perhaps most obvious benefit of a used car is the lower price sticker. The steepest depreciation in value comes in the first two or three years of a car’s life. When you buy used, you profit from that depreciation, whereas an original car owner inevitably takes a serious financial hit on trade-in.
Used cars tend to come with lower down payments as well as lower prices. Furthermore, insurance and taxes on your used car will be less expensive, which means you have more money in your wallet at the end of the month.
If you want a car loaded with all the hottest tech, the latest safety features or the cleanest engine developments, you have plenty of options to choose from among cars made in the last two to four years. You can get a thoroughly modern car without the sticker shock or the drastic depreciation.
If you are operating on a tight budget, cars older than four years are probably the ones in your sights. Although buying an older used car may not leave you with Bluetooth compatibility, you will still have access to plenty of safety features in cars that date as far back as early 2000.
Last but not least, if your passion is classic cars, you have only one option. Used is the only way to go. There are plenty of other benefits to buying used cars.
These cars give you the greatest bang for your buck and offer you the widest purchasing variety.
Think of the car features that you definitely want in your next vehicle. Would you like leather seats and a moon roof, or do you want plenty of seats and cup holders? Do you think you have a short list of favourite vehicles or are you open to anything that fits your budget? Even if you are undecided on a car just yet, we can take the worries out of getting the best car loan for you.
The first impression of a vehicle comes down to two factors, ergonomics and personal preference. You should have ample head and legroom, feel that the window layout gives you good visibility, and like how the gauges and controls are laid out. If members of your family have car seats, it is a good idea to bring them along to see if they work well with the cars you are test driving.
If you have a set color or feature combination in mind that does not come around every day, you may have to look longer to find what you want. But, if you know what your top three colour and make combos are, you may be pleasantly surprised by the number of cars available to test drive. Conversely, if colour is not important to you, you may get a great deal on a car in a less popular colour.
Financing the Transaction
When you have found the vehicle you want and are ready to make a purchase, we want you to know the total price of the used car you’ve decided to buy. We itemize any extended warranty and interest costs in all of our car loans. Of course we are always happy to consider your current vehicle as a potential trade-in, and we offer extended warranties for our used cars. This is a great way to handle any unforeseen repairs covered by the warranty.
Our financing staff are experienced in setting up a loan with terms that will fit your budget. Come visit us soon to see how enjoyable car shopping can be.