If you’re looking to finance a vehicle, but you have bad credit, you’ve come to the right place. The finance team here at Vernon Toyota specialize in helping secure car loans for people with bruised credit, bad credit, and even those with no credit at all.
Credit challenges are more common than you think
We understand that bad things can happen to good people, so no matter the reason for your credit issues, we can help. Credit challenges shouldn’t keep you from driving a quality vehicle - bad credit auto loans are within reach. Apply for a car loan today even if you have bad credit. We’ll get you driving again.
Whether you’ve gone through a divorce or separation that has taken its toll on your credit; had to deal with unexpected medical bills; suffered a bankruptcy; or any other unfortunate circumstance, our finance team can help. Even if you’re a new immigrant or student without no credit at all, there’s a good chance we can get you an auto loan for a reliable vehicle. Apply for a car loan with bad credit right now and see how easy it is to improve your credit and get behind the wheel of a quality pre-owned vehicle.
A vehicle can make the hectic life of a student a lot easier. Even if you have no credit, we can likely get you a car loan. Don’t delay, apply today!
New to Canada
A reliable vehicle will make adjusting to your new home more enjoyable. Even if you don't have a credit rating in Canada yet, we can likely help.
Always pay your bills on time. Although the payment of your utility bills, such as phone, cable and electricity, is not recorded in your credit report, some cell phone companies may report late payments to the credit-reporting agencies, which could affect your score.
Try to pay your debts as quickly as possible.
Try to pay your bills in full by the due date. If you aren't able to do this, pay at least the required minimum amount shown on your monthly credit card statement.
Don't go over the credit limit on your credit card. Try to keep your balance well below the limit. The higher your balance, the more impact it has on your credit score.
Reduce the number of credit applications you make. If too many potential lenders ask about your credit in a short period of time, this may have a negative effect on your score. However, your score does not change when you ask for information about your own credit report.