FriendlyFinance.ca Creative Solutions for Bad Credit Car Loan Problems   

Welcome to FriendlyFinance.ca

The question...

Problem credit, bad credit, no credit? Divorced, student, new to country? Bankrupt, behind in payments, judgments, unpaid collections? Credit counselling or proposal, unpaid family support, or self-employed? How do I get approved for a car loan? How do I repair my credit history that is causing most car dealers to decline my applications?

The answer...

We are the bad credit car loan problem solvers. Our clients often face poor credit scores; are bad credit risks; or due to life circumstances - such as age, divorce, or other reasons - are facing the uncertainty of obtaining credit for the first time. Are you new to the country and trying to establish credit? Then we may be able to help you.

Your ability to get a car loan, auto loan or truck loan hinges on very simple things. Your past ability to show stability in earning income, and the obvious capability to pay your bills helps in determining your credit score. This is a standard measure that car loan lenders look for in determining whether to extend a loan to you. Naturally your past history of credit handling, your total family income and expense overheads will combine to determine the interest rate and the principle car loan value that we can provide for you.

We want to help, we want to see your life change through the careful management of your credit capability. We are the car loan problem solvers.

Essentials...

We need to talk. We need to understand the circumstances of your past financial dealings, your current employment and family income that could contribute to getting you approved. We work with over 12 different lenders and should be able to get that approval within a day or so, often within a few hours. Once we get your car loan approved, then we can help find the car best suited to you.

In the final analysis...

Poor credit, no credit or bad credit takes time to repair. We cannot guarantee to fix your overall bad credit problems, for only you can repair your credit score through time, making on-time payments and proving to the lenders that you can become a valued client. Lenders need to be able to trust you, in the same way that you trust them to take a risk in lending their funds to you. There is no magic silver bullet that will make the problem go away overnight, nor can you buy your way to a better credit score. Each year that you continue to improve your financial position and your reliability in making payments - you can look forward to working with us to reduce your interest rates, purchasing a second vehicle or upgrading the one you have, consolidating car loans or accelerating your car payments. FriendlyFinance.ca wants an on-going relationship with you as your rebuild your credit position.

A thorough evaluation of your current credit situation will allow us to work with our lenders to get you approved. Usually we are able to find a solution that fits your needs within 24 hours. Nevertheless, remember that while lenders may approve you, you will usually have to pay a premium in car loan, auto loan or truck loan interest rates to offset the risk they are undertaking. We work with you, your credit counsellor or bankruptcy trustees, or other financial advisors to put together a car loan or truck loan that you can afford despite poor credit or bad credit ratings. We then look for the optimal vehicles for your consideration and purchase.

We know you want to be driving, today, a reliable new or late model car or truck that meets the need of a growingfamily, active lifestyle or just going on a pleasant ride in the country. What ever your needs, we have access to all makes and models, with over 500 available for instant delivery once you are approved for your car loan. But rather than getting lost in car models, colours and options, let's focus our firstintentions - to get your car loan approved, quickly, confidentially and securely. Then we can get to the fun stuff.

Apply Now for the Car Loan you Deserve...

By filling out a simple one-page application form we can get you started. The form details your present contact information (so we can call you back with good news!), some easy questions about your employment history and income levels (so we can prove to the lenders that you are reliable), and some questions about your house or rent payments (to gauge your monthly overheads and assets). You will also be asked to authorize that your personal information can be collected and confidentially transmitted to our lenders for analysis. In the process of approval, we will examine your Credit History and scores from bureaus that collect and analyze this type of information. Remember, honesty is the best policy, and getting an accurate picture of you and your current position is vital to getting you approved.

Convenient Local Offices to handle your loan...