Finding the Perfect Truck

If you’ve been thinking about getting a new truck, you likely already know that there are plenty of great options out there. No matter the type of truck you’re looking to get, you may consider looking into your options for a used truck. Used trucks are generally quite a bit less expensive than new ones, which can help you get into something sooner rather than later. While there are plenty of ways in which you can find the truck that works perfectly for you, here are just a few ideas that you make find helpful as you undergo this process.

Initially, consider exactly what you’ll need your truck for? Will you be doing a lot of towing? If so, you’ll need to get something large enough to handle the loads you’ll be pulling. If your truck will be used for much lighter things, then you’ll probably be able to get away with something much smaller. While it may be tempting to get a large truck either way, keep in mind that large trucks are typically much more expensive than their smaller counterparts, which will obviously play a role in your choice. When you’ve decided on the type of truck you need, you can compare specs and figure out which ones will best help you do your work. Many web sites exist that will allow you to compare specs of different types of trucks side-by-side. No matter what you prioritize in your search, make sure you compare enough models to feel like you’ve found the best one for you.

Finding the perfect truck isn’t something that needs to be overly complicated or time consuming. You wouldn’t make any financial investment that wouldn’t end up paying dividends, and buying a truck should definitely be considered an investment. As long as you do what you need to do to get plenty of information before making your purchase, you should have no problem finding the truck that will do exactly what you need it to do.

Financing With The Dealer

It is common for people to obtain car financing through a dealership in order to afford the investment of a new or used vehicle. In this process, you and a dealer will enter into a contract with each other. You agree to pay installments for a vehicle over a period of time in addition to a finance charge. The dealer may hold onto this contract, but more likely he or she will sell it to a bank or other establishment, which will collect the payments that you make.

There are several advantages to getting financing from a dealership, and one of the most appealing is the convenience it can provide. You can buy a vehicle and obtain financing in the same location, and many dealerships have extended hours that go into the evening or the weekend. Rather than having to deal with multiple organizations, you can have the ease of having to communicate with only one.

Multiple car financing options are also available if you decide to work with a dealership. Often, dealers have relationships with a wide range of banks and finance companies, and they can offer a variety of choices that are appropriate for your particular financial situation.

Besides a multitude of finance options, dealerships can also provide you with special programs, including ones that are manufacturer-sponsored, low-rate, or incentive-based. Some of these programs may be limited to specific vehicles, and you will need a strong credit rating to qualify. Nonetheless, with many potential benefits, you should check to see what is available for you. T

here are other forms of car financing, but going through a dealership gives you several advantages. You have the ease of working with only a single organization, and there are many possible finance options and special programs available to you. When purchasing a vehicle, talk to the dealer assisting you and discover the choices you have. There is a good chance that he or she can offer you with a financing option that suits your needs.

Shopping For Used Cars ?

Shopping for a used car can be a daunting experience if you don’t know exactly what you’re looking for. Making good decisions when purchasing a car can either help keep you financially on track, or break the bank if you’re not careful with your purchase. Here are some tips you should always keep in mind when you’re shopping for used cars:

One: Look for a car that is not missing its title. If you shop at a car dealership for used cars you will not need to deal with this problem because the dealership will have all of the paperwork ready to go for you. However, if you buy your car from a private party, you will need to make sure the seller signs the title or ownership certificate over to you when you buy the vehicle. You need to also make sure the seller has the original title and that the car is in the seller’s name.

Two: Watch out for “salvaged titles.” Salvaged vehicles may seem like they’re going to be a really good deal because they’re cheaper, however many salvaged cars have had a large claim and were then restored back to the point of being drivable again. That claim may have been something very serious like a theft, fire or bad accident, so it may be hard to determine potential problems the car could have in the future. This could also make the vehicle more difficult to insure.

Three: Be aware of the information in your credit file. When you are finally ready to buy your used car, it is likely you will need to qualify for a loan. You don’t want to be caught off-guard if there is negative information in your file.

Always remember that potential lenders are looking for the three C’s of credit: capacity, character and collateral. They want to be sure you will be able to repay the debt in a timely fashion and that it will not be difficult to get you to do so.

Tips for Selecting that One Perfect Vehicle

The world of car shopping can involve quite the range of emotions including excitement, stress, confusion, and anticipation. The contributing characteristics that will play into choosing the perfect vehicle for a person will obviously vary from individual to individual. As you prepare to begin shopping for this exciting and necessary investment, remember to take the time to consider these basic tips before looking at our wide selection of quality used cars.


While a vehicle is one of the more necessary requirements in the lives of many people, it can also be one of the most expensive. Perhaps you are overwhelmed by the rumors you have heard of people having a difficult time coordinating financial needs with payment plans, interest rates, and the whole process of trying to get approved. Fortunately, we have gone to great lengths to facilitate this process to make it a bit easier and less intimidating. Once you have determined how much money you have available, it is time to come look through our inventory to determine which cars will meet your needs.


A person’s own preferences are one of the largest indicating factors of choosing one vehicle out of many used cars. Things such as color, amenities, accents, and operational components may all play into your personal preference when looking for a vehicle. You may find it helpful to compile a list of these things beforehand so you have a visual of the kind of product you want when you begin to shop.


Maybe you are a bachelor looking for a sporty car to go along with your new job. Perhaps you are a working mother who needs that perfect vehicle to transport children between various activities. Looking into the reason you need to buy a vehicle may help you to make a smarter selection, as well as choose a car that will offer efficiency and convenience.

When you work with any one of our reliable salesmen, you can receive detailed information regarding the vehicles we have for sale. Before you begin looking through our great selection of used cars today, be sure to think about your budget, personal preferences, and reason behind buying a new vehicle

How Long Should Your Car Loan Be?

When it comes to car loans, no matter if they’re regular, bad credit, bankruptcy, slow credit or any other kind of loan, it’s best to focus more on the length of the loan instead of the amount of monthly payment that you’ll be able to afford. This might sound a bit counterintuitive, but focusing on the bigger picture comes with bigger and better advantages.

While getting a good interest rate and monthly payments that you can easily afford are important when it comes to auto loans, a loan might come with a monthly payment that you just can’t quite afford. If this is the case, then you may apply for a longer term loan so that you can get a monthly payment that you can afford. The danger with this strategy is that you might actually wind up paying even more down the road.

A seven-year loan might come with lower monthly payments, but the overall interest rate will more than likely be higher than that of a five-year loan. It’s not unusual for someone to pay more than double the cost of finance charges for a seven-year loan than they would a five-year loan. Something else to think about is the fact that you’ll have two more years of car payments with a seven-year loan than you would a five-year loan.

Something else to think about with longer auto loans is that it can take you longer to build up equity, which is defined as your car being worth more than you owe on it. Having negative equity or being “upside down” on your vehicle essentially means that you owe more on your car than it’s actually worth. To keep from being upside down and to build equity, you’ll want to pay as much as you can on the original down payment for your quality used vehicle.

Before you get swept up in the idea of getting a new car, make sure that you are fully aware of what you’re getting into and the terms that you’re agreeing to. A short-term car loan can come with several long-term benefits.

Bad Credit Car Loans Help You

Bad credit can be a vicious cycle. You have bad credit, so you can’t get credit. You need credit to finance your car to get to work to keep your credit from getting worse. Sometimes, you just need someone to help you get back on your feet. That’s where we come in. We have bad credit car loans that will help you get a car to get to your job and keep the bills paid. Let us help you find the car you need and rebuild your credit.

If you are looking for a car loan, you should make sure that you have done all you can to fix your credit. Make sure that you correct mistakes. Know what is on your credit report so that you can explain the reasons you got behind or have the bankruptcy. It shows that you are being proactive and trying to fix the problem. Having a stable job history and regular income will help establish your ability to pay. Bad credit car loans will also require a local residence.

You should also be realistic when you are getting financing for your car. How much can you really afford in monthly payments? Know your budget before applying. You may want to get pre-approved for the financing, so that you only look at cars that fall within your budget. You do not want to fall in love with a car that is more than you can pay for.

When you make payments on your bad credit car loan, this helps you rebuild your credit. It can be more time-consuming to find a car loan when you have bad credit, but it is worth it to maintain the ability to get to work. You do have options when your credit is not that great, but you will need to take steps to show that you are making changes to your finances. Please fill out our secure online credit application and allow us the opportunity to get you approved for a bad credit car loan to help you fix your credit.

Using Car Loans to Your Advantage

In Canada, having a car is almost a necessity if you want to compete for well-paying jobs but still live in a neighborhood with reasonable home prices. This is one of the great services provided by automobiles; a bridge between your work and your home. However, cars are also very expensive items. Luckily, car loans offer an individual great personal choice and flexibility in determining a financial plan that best works for their unique financial situation. This transforms the possibility of having a car from a fantasy to a reality.

Different Types of Loans

Most banks and lending agencies will work with you to tailor-make a financial package that is optimal. That is, there is a range of financial options at your disposal so you can decide whether you want to make small monthly payments spaced out over a long duration, or larger monthly payments that will pay off the full value of the automobile quicker. In today’s market, interest rates are relatively low on car loans, creating an ideal environment to finance a car purchase so that you can reap the benefits.

Travel in Style

If you do not already have a car, car financing is an economic opportunity you do not want to miss out on. Simply put, a very powerful economic and leisurely tool is within your reach, for monthly payments that would seem miniscule compared to other monthly bills. The main thing with a car loan is that your payment for the full value of the car is spaced out over a long duration; this appeals to and targets hardworking people who plan on being employed for the next 5, 10, 15, etc. years.

If you are this type of person, there is no reason why you should not be traveling back and forth from work and home in a car. You will save yourself valuable time and also have the ability to work at places you did not have the possibility to before.

4 Tips to Getting the Best Rates on Your Car Loan From a Dealer

Car loans can be extremely expensive these days and more Canadians are finding that they can’t afford to make the payments. However, if you follow these easy tips, we at your dealership can help you find the best rate for your budget.

Know Your Credit History

Your credit score is the main basis for your loan rates and helps determine if you’re worth the risk of financing. Knowing your credit score will even the playing field with reputable and seedy dealers alike so you can find the best rate for you. An honest dealer like us will work with bad credit if you have a decent reason for payments being late.

Choose Short-Term Loans

We suggest choosing shorter terms for car loans to avoid paying hundreds to thousands of dollars extra in interest over the period of financing. This might mean paying a little extra each month for your regular payments, but the overall savings are well worth it.

Pay Attention to the Annual Percentage Rate

Look for loans with us that have a lower APR. This includes all interest and fees that will be added to the cost of the car, so the lower the rate, the less money you’ll pay overall. We can help you figure out the best rate available for your credit ranking.

Concentrate on Overall Cost

Instead of focusing on the cost of your monthly payments alone, you should be haggling over three things, price, trade-in value and financing. Then we’ll find the best rate that encompasses all three. By doing this, we can help you save a large amount of money over the term of your loan. Lower monthly payments often mean longer loan terms and more interest payments.

Our team is willing to work with you to get you the car loan you can afford. By following the simple advice above, we can get you into a safe and reliable vehicle that will get you everywhere you need to go for years to come.

4 Myths About Buying a Car With Bad Credit

There is a ton of information about how to buy car when you have poor credit. Some people claim you can’t get an auto loan. This isn’t true. In fact, there are bad credit car loans that make buying a vehicle possible. But that isn’t the only myth floating around. Listed below are a few others. Once you separate the myths from the facts, you can get the right car for the best deal.

Short-Term Loans Are Best

Generally, you will pay more interest with a long-term loan. Yet, financing the car for four or more years may work better for your budget. Always consider the overall cost of the loan and your monthly payments. Keep in mind, you can negotiate the terms.

You Can’t Get an Auto Loan If You Have a New Job

The fact that you started new work shouldn’t prevent you from obtaining a bad credit car loan. Lenders look at your total work history. They understand reliable transportation is necessary for maintaining steady employment.

Huge Down Payments Are Required

Bad credit car loans don’t require large down payments. Of course, the more you pay upfront, the better it is because it lowers your monthly car notes. Still, what you pay down has more to do with the loan terms and the type of auto you are buying.

You Can’t Be Pre-approved

Even though you have bad credit it doesn’t mean you can’t be pre-approved. Lenders consider factors in addition to your credit score. You have a better chance of approval based on you income rather than your credit rating. Although pre-approval isn’t guaranteed, it is worth pursuing.

The more you know about bad credit car loans, the better off you are. It takes some work dispelling the myths and identifying the facts. But once you have the right information, you can make the best decisions. Before you know it, you will be driving down the road in your dream vehicle.

4 Tips to Increase Your Credit Rating

If it’s time for you to think about buying a used car in British Columbia, then you also need to start thinking about getting your credit score up. The higher the credit score, the lower the interest rate you will be able to get, in most cases. Did you know that having a car loan, actually improves your credit as you pay it off?

No matter what your credit score currently is, or what marks you have on your credit history, here are some tips that will help you increase your credit score fast.

Pay Off Your Credit Cards

Pay off your credit cards about 6 weeks before you go in to a lender to ask for a loan. When a lender pulls up your credit report, the lender will be able to see exactly how much money you owe on your credit cards. This amount of money will help the lender to determine whether or not he or she wishes to assume a risk by offering you a loan. Therefore, if you have a large balance on your credit cards, a lender may be reluctant to offer you a loan. However, if you can show a zero balance, you may be more appealing to a lender.

Close Unused Credit Cards

Many people have taken out credit cards that they no longer use. For example, if you have ever taken out a credit card for a store, such as a clothing store, and are not using it, then the inactive card will show up on your credit history. It’s best to have as few open accounts as possible, especially if they are inactive accounts.

Use Credit Cards

By using credit cards, lenders will be able to see that you have a credit history. Of course, it’s best if you can pay these credit cards off on a regular basis so that you do not have an outstanding credit balance.

Always Pay Back Loans on Time

There will be a record of loans that you have taken out on your credit history. Therefore, always pay back your loans on time in order to ensure that you do not get a black mark on your record for failure to repay loans. Paying back loans will prove to lenders that you have a history of financial reliability.

No matter what you need to have good credit for, it’s always a good idea to pay back loans, use credit cards, and pay off all debts in a timely manner. Having good credit can mean the difference in several hundred to several thousand dollars when it comes time to purchase a new car. If you are looking for a car loan in BC, Vancouver Auto Credit is the dealer to choose. We have credit specialists that can get you approved regardless of past credit issues. Apply today!