Alberta Auto Credit - Edmonton Auto Loans

Edmonton's Alberta Auto Credit provides used car loans for those who have bad credit, bankruptcy, or no credit. We can help you buy a dependable used car, truck or mini-van, and arrange monthly car payments that make sense. We believe car buying should be fun, not a headache. Our company was started to help people save time and start driving. If you are in need of financing we are here to help. We understand that you may have less-than-perfect credit, that's why we're here. Alberta Auto Credit specializes in helping people with bad credit rebuild their credit.

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Bad Credit Auto Loans- Edmonton

As our economy cycles through booms and busts, bad credit has become an unfortunate fact of life for many in the Edmonton area, resulting in a large number of Edmontonions unable to attain financing for a quality used car or truck. We recognize that a person with a bad credit rating is often a victim of hard times, and as a result may might have fallen behind on their payments.

Lenders are often very tough when it comes to bad credit car loan applications, when lending institutions see a bad credit rating, they often reject the loan outright. One thing is certain, having a bad credit rating can make getting approved for a car loan incredibly challenging.

Alberta Auto Credit understands that having a bad credit rating shouldn't result in you being forced to drive a poorly maintained, or even unsafe car. We specialize in providing auto loans for people who have bad credit, and we work hard to help you finance a car that is safe, reliable, and with a reasonable monthly payment.

Over the past few years the economy has been quite hard on a lot of Albertans. Alberta Auto Credit recognizes this, and understands that there are a lot of good people who've been effected. We're committed to help you put together a car loan that will be straightforward and fair.

Getting approved for a bad credit car loan doesn’t mean that your monthly payments have to be out of reach. We feel it's very important that your monthly payments are manageable, so that you are able to keep up with the financing until the car loan is paid off.

Rebuilding your credit rating back to a good standing can be a huge challenge, especially when most lenders aren't willing to provide you with financing. We can help you improve your credit rating, while you enjoy all the advantages of owning a safe and reliable car. As you pay down your car loan, we report your good credit rating to the credit bureaus. This improves your credit rating and opens up more financial opportunities for you in the future.

The important thing is to keep the payments as low and as manageable as possible. We will work closely with you to develop a car loan that works for for you.

No Credit Car Loans

Without a credit history, getting a car loan in Edmonton can be very difficult. With no track record of credit, a lender has no assurances you'll be able to make payments on a regular basis.

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Alberta Auto Credit recognizes there are good reasons why a person might not have built up a credit rating. For instance, college and university students often haven't had the opportunity to build up a credit rating. Perhaps you've lived in another country and the credit history you built up there may not have transferred to your Canadian credit rating, that's perfectly understandable. Maybe you've never had the need to get financing in the past; you pay your rent every month on time, but your landlord may not report this reliability to the credit bureaus. Nonetheless, without any kind of credit history, it can be quite difficult to get a car loan. That said, just as there are special credit cards that cater specifically to students, Alberta Auto Credit has the ability to provide no credit car loans.

You may be a responsible person, a person whose good at managing your money, however if you lack a credit rating, it's often difficult to finance a good condition and dependable car. The good news is that Alberta Auto Credit recognizes that people with no credit rating should still be able to qualify for car financing. We work closely with you to put together a no credit car loan with affordable monthly payments.

Even if you can afford to pay for your desired car or truck in cash, that may not be the best course of action. There is something to be said about having a healthy level of liquidity. Should an emergency arise, you don't want to be in the situation where you don't have funds ready to handle it. Getting your first car loan, especially when you lack a credit rating, can help to free up those funds, so that they are available when you need them.

As an added bonus, making regular and reliable on-time payments for your car loan will demonstrate to the credit bureaus that you are financially responsible. This will help build up your credit rating, making it much easier for you to get approved for credit cards, mortgages, and other types of financing in the future.

If you're looking to finance a car in the Edmonton area, don't think that a lack of credit is going to stop you from purchasing a dependable used car; we can help.

Alberta Auto Credit is a locally owned and operated auto financing company. We've been helping people in the Edmonton area obtain no credit, bankruptcy, and bad credit auto loans for over 15 years. We can help you purchase a dependable used car with affordable monthly payments. We treat you with respect and handle your finances with confidentiality.


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