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 No Credit Auto Loans

Having trouble establishing credit?  Those with no credit also experience difficulty when trying to secure an auto loan.  Find a Loan’s credit specialists will give you the opportunity to begin establishing credit with an auto loan.  Because this is your first chance to establish credit is important to follow a few simple guidelines:

  1. Make your payments on time: negligence with your payments could result in poor credit
  2. Do not get in over your head: you should talk with your credit specialist about what is reasonable so you do not struggle with guideline #1
  3. Take care of your new vehicle: regular scheduled maintenance of your vehicle will keep overall costs down and keep the value of your vehicle up

Find a Loan has been working for many years to help people just like you get approved for a loan and begin establishing their credit.  Our online application is simple, fast and secure.  We work with credit specialists right across Canada who have the experience to with all credit situations.

Our online credit application is the easiest way to get started.  A credit specialist will review your application and determine financing and interest rates soon after the application is submitted.  With our simple 3 step application, you will be on your way to getting approved within 24-48 hours.

 Buying a Used Car

Would you want to bear the cost of depreciation, taxes, and insurance when buying a new car? No prudent car owner would. It is always a good idea to buy a used car bearing as little of the aforesaid expenses as possible. However, buying a good quality used car can be a daunting task, especially if you lack the confidence to distinguish good dealers from bad ones. Even reputable dealers can have pushy staff who are more interested in making a sale than in serving your needs. The key to getting a good quality used car is to buy through an Online used car dealer. In recent years, specialist websites dealing in Online trading of new and used cars have mushroomed in Canada. These websites allow you to check the price of a used car, as well as provide you with a loan quote. The prices quoted are usually very competitive.

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 Budget Calculator

Purchasing a vehicle is not an impulse decision like gum.  It must be thought out, planned and executed. The most important factor that needs to be considered is the budget you have available. Determining your budget is the first step in purchasing a car.  Your budget influences the make and model of car you should be looking for. When deciding a budget, you need consider both the funds available as well as the amount that could be borrowed.

For most of us, budget planning is time consuming and requires research into your personal financials. To help you with tedious calculations use a budget calculator.  A budget calculator will help you to outline your finances and determine what you can easily spend on your vehicle.  You can manipulate the information based on income fluxes, such as a raise or a new baby.  Such factors can influence your distribution of monthly funds, so it is very important to know what money you have coming in and going out.

How the budget calculator works?

Unlike conventional calculators, the budget calculator is a text format calculator which loads onto your computer screen. It contains various fields that help with calculations, such as gross income (monthly average), payroll deductions, expenses (personal savings, housing, transportation, food, clothes, etc), bad credit history, used car loans, low interest car loan rate and so on. These parameters assist you in better assessing your current financial situation, and consequently in better planning your car purchase. After you fill in the relevant details, the calculator works out an estimate. This estimate helps you choose a loan that is in sync with your monthly budget. It also helps you to better understand the impact of down payments and repayments on your monthly budget by presenting the results in easy to read graphs.

Advantage of using a budget calculator

Budget calculators are available online and financing websites offer it as a free service. The services offered by the budget calculator have the following advantages:

  • Plan your monthly expenses, including your personal savings and debt repayment.
  • Determine the loan that would best fit your budget and needs.
  • Estimate the amount of your monthly installments, as well as the interest rate for a loan.

Above all, it can evaluate your credit report and start you on the way to improving that lagging credit score.

 Best Month to Buy a Car

There has been much speculation on when is the best time to buy a car. Choosing the right time can save you money and a lot of hassle. Savvy buyers know that a smart plan of action should include looking for the best time of month or year for the best deals around. The best deals may come in the form of rebates, low interest incentives, festival offers, and more. In Canada, car financing websites have designed lucrative stand-alone-car-buying strategies to help you get the best deal for your new car.

December is considered to be the best month to buy a car. Buying a car at the end of the year is always profitable, as it is a customary time for dealers to offer discounts.  Think about all of the holiday offers available!  Dealers operate on a fixed incentive structure and depend on the quotas given to them by the manufacturers. They are anxious then to meet their targets by the start of the next fiscal year. Should dealers not meet their targets, they would end up paying an inventory tax on the remaining stock. To get rid of all the remaining stock, dealers try to tempt buyers to make more purchases by announcing high rebates on cars. Such clearance sales help to create space for showcasing new models for the upcoming year. If you are thinking of buying a car, then your best course of action would be to wait for the end of the year to take advantage of deals and incentives.

In Canada, the Internet is the best way to buy a car. It is recommended that you do research and familiarize yourself with various incentives and rebates being offered by dealers in the model of your choice. Doing your homework will save you time and money. These car buying tips will help you secure the best deal for your needs. Find those deals and cruise the road in the New Year!

 Auto News

Most newspapers and online sources have an “Automotive” section.  It is important to catch up on the most recent news, reports, and information regarding automobiles.  When purchasing your next vehicle, do some research beforehand to see if the vehicle you are interested in will be upgraded in a year, or if you can purchase the newest model.   Also, check reports on the vehicle you are interested in.  This could help you avoid unwanted maintenance, recalls, and other issues.  It might also help solidify your decision to purchase a specific vehicle.  Lastly, read up on new features and benefits.  Vehicles are now more fuel efficient, get better mileage, or even plug in!  Spending a little time researching will better prepare you to make an educated decision on your next car purchase.

Canadian Auto News and Business Week are great sources of information as these sources will be unbiased towards manufacturers.  They will provide you the most accurate and up to date information.  It is important to be knowledgeable about the type of vehicle you are looking to purchase.  This includes knowing about manufacturing problems, fuel economy, and even the price of the vehicle.

Fuel economy technology is greatly improving.  When you are purchasing your next vehicle, check up on the fuel economy of the vehicle(s) you are interested in.  If they cost a bit more upfront, remember that you to save money in the long run.  Speak with your credit specialist about short term and long term cost savings.

Find a Loan works with a network of lenders specializing in bad credit auto loans.  Many of our lenders offer flexible payment terms and programs that will adjust your rate once you have established regular payments. Our 3 step application can get you approved within 24-48 hours!

Online applications give you the freedom to apply for a loan anywhere, despite your busy schedule.  The ability to apply anonymously from the comfort of your home and avoid the uncomfortable interview with a bank loan officer has made the online option more desirable.  Online credit applications are encrypted and provide secure technology ensuring the safety of your personal information.

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