Car Loans from the Loan Doctor in Southern Alberta

Bad Credit Car Loans Southern Alberta

Bad Credit? No Credit?

Whatever the situation may be with your credit, there is no reason why you should have to rely on public transportation, or the generosity of friends and family, to get where you need to go day in and day out. Loan Doctor is proud to specialize in bad credit car loans in Southern Alberta. Our network of banks understand that not everyone is perfect when it comes to credit, and poor credit is certainly not necessarily indicative of an inability or unwillingness to make on-time monthly car loan payments.

Some individuals are nervous or embarrassed to pursue buying a new car because they fear they will be rejected due to their credit score. At Loan Doctor, you never need to worry about feeling this way. Our team of sales reps and financial managers work with people with poor credit and even no credit every day of the week.

Easy 3-Step Process
 

Two Minute Application

Quick, easy and secure credit application. This is the first step in rebuilding your credit and getting the vehicle you want.

 

Choose Your Vehicle

Loan Doctor has access to thousands of cars, trucks, vans and SUVs across the country. We finance all makes and models!

 

Drive Away...

Congratulations on your new car! Loan Doctor will continue to work on lowering your interest rate even after you drive away.

Getting An Auto Loan in Southern Alberta

At Loan Doctor, it is now easier than ever to get approved for bad credit car loans in Southern Alberta that work with your budget. Our access to an inventory of cars, trucks, and SUVs is quite extensive, with a range of price points to meet your needs. If you are in need of auto financing, but your credit is a little less than perfect, do not worry we can get all types of credit financed, thanks to our network of banks and other lenders. Even if you have been turned down for financing in the past, chances are we can still help you get approved. To get started, please give us a call or fill out our convenient online application form. We look forward to seeing you and helping you get behind the wheel of the perfect car.

Need A Car Fast?

Having a car is great. The thrill of the open road. The convenience of being able to get around without having to wait for a bus or a taxi. Depending on where you live, it may be the only viable option for you to get around. Let's face it. Sometimes you just need a car. The question of course at this is, how do you go about getting a car? Do you have a briefcase full of cash that you can just plunk down in front of a car salesman and say, I'll take the Camaro. And those sunglasses. Most likely you do not have that briefcase full of cash. You'll have to get a car like a normal person. With a car loan. Car loans can be provided by your bank, the car dealership you are buying the car from, or a private company that specializes in giving out car loans.

An important thing to remember when getting a car loan in Southern Alberta is that your credit history, or credit score, will affect the type of loan you get and sometimes if you are able to get a loan at all. If you have missed bill payments, large amounts of debt, or a bankruptcy on your credit score, these can all make it harder for you to get a loan. To keep your credit score clean, be sure to always pay your bills on time, have a good debt to credit ration (and I mean less debt than credit), and hopefully you haven't gone bankrupt. A good credit score can mean a lower down payment and more affordable monthly payments. A bad credit score can mean you will be paying more for both of these things. If your credit is bad enough, you may be denied altogether.

Some businesses can actually make the process for getting a car loan easier, if you can believe it. Sometimes all you need to do is apply for the loan and you can drive right off the lot that day. Often, you can even apply over the internet and be approved from the comfort of your own home. You'll still have to go get your car, but hey that's the whole point, right? To get a ride so you can cruise around town.

Quick tip for buying a used car

Purchasing a used car can be a stressful experience. Don't worry though; Your Loan Doctor Specialist is here to help you along the way.

Here is a tip to consider when making your decision:

Don't Let A Down Payment Stop You From Getting On The Road

It has become increasingly difficult for consumers to qualify for credit and financing to make large purchases like homes and cars. Banks are wary of allowing financing options for customers who don't put down a substantial initial payment. Fortunately, there are lenders who specialize in this loan market and are willing to extend 0 down auto financing to customers who can't afford a down payment.

The lack of reliable transportation does not have to hinder your personal and professional opportunities any longer. A number of lenders now exist that will assist you in getting a car loan with 0 money down and even if you have bad credit.

The process usually entails a simple application, which can many times be done online. After a loan specialist reviews your application someone will contact you to go over specific loan options that fit your situation. From there, a loan amount and vehicle are chosen and you are on the road in no time. Consider 0 down auto financing in Southern Alberta to help you get back behind the wheel.

Whether you have a history of bad credit, are going through or have been discharged from bankruptcy, have had a previous repossession, have missed credit card and loan payments, or are new to Canada and have no credit, Loan Doctor can help!

You Can Get Easy Bad Credit Car Loans in Southern Alberta

If you've had trouble in the past with bankruptcy, repossession, or bad credit, you may have given up on the idea of getting a car loan. However, we at the Loan Docotr offer easy bad credit car loans and are willing to work with you.

Even if you had a hard time in the past, getting approved for a loan can still be easy when you find the right lender. We are able to approve you within just a few hours, regardless of whether you have bad credit or no credit.

Furthermore, your lending specialist will work with you to make sure that you can stay on top of your payments this time around, and start re-establishing your credit. Getting easy bad credit car loans can be beneficial not just for you, but for your credit too.

You shouldn't be deterred from applying for loans just because you've had problems in the past. Please fill out our secure online credit application today.

Divorce And Your Credit Score

Getting divorced is stressful enough without having to worry about how your credit score might be impacted. Unfortunately a divorce can very easily affect your credit score adversely. What if you and your spouse have a car together or a house? If you pay bills from a joint bank account it can be quite difficult to figure out how to separate your finances from your former spouse's finances. Divorce and credit scores both need to be handled carefully. What should you do? Close joint accounts quickly, get separate accounts, figure out who will be paying what, and pay your bills on time.

Close joint accounts as soon as you can so that your spouse does not charge that account and run up expenses that you could be responsible for. If you can do this before you separate, this will make things much easier for you and your spouse.

Get separate accounts for any lines of credit that you may already have. This way it forces each party in the divorce to be responsible for their own expenses. Figuring out who will be paying for each expense, preferably before you become separated. If there is a clear delineation between responsibilities, it makes things go much more smoothly in the proceedings.

Any debt that you entered into with your spouse is both your responsibility in the eyes of the court. Hopefully your split was amicable. If not, it can be very difficult to separate your finances in your divorce and credit score.

Having a bad credit score can affect your ability to acquire car loans in Southern Alberta for a new car or a new house. A proactive attitude is essential to maintaining a credit score. Make sure you are making your bill payments on time. If you have a debt, it can often make sense to pay off the debt yourself and then approach your former spouse about recouping the money. This way your credit score is not impacted. Trying to pay down debt is a great idea as the ratio of debt to credit is one of the big factors in determining your credit score. Hopefully these tips help you in your divorce.

Bad Credit Car Loans and Auto Financing Southern Alberta

Regardless of your past credit issues Loan Doctor can help

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