Sub-Prime Financing FAQ in Sarnia, ON

If you have bad credit, don’t worry! Our speciality here at Payless Automart is helping those with a poor credit history get back on their feet with a vehicle, and then begin to build that credit back up. While we’re happy to match you to the perfect vehicle that’ll make your commutes and weekend getaways that much more fun, we’re focused on assisting you in rebuilding your credit through that quality car. Our finance team is here to educate you and help put you back on your feet. We’d love to see you again, but if our help through sub-prime financing means you don’t need our services anymore, that’s just fine by us! If you have bad credit and require our sub-prime services, read on to see what we can do for you.

Sub-Prime Financing Process

Having no credit or poor credit is of no issue to us, in fact, it’s our focus at Payless Automart. We provide sub-prime financing OAC, complete with a full line of products to protect your investment. Before we have you look at any vehicles, we want to make sure the financial side of things is ironed out first, so we know what sort of budget and plan that will work best within your means. Once your credit score and history is known, our finance team will be able to develop a customized plan that takes into account any restraints and sets you up with a workable auto loan. Once that’s complete, we will help you select a quality car or SUV that fits within your budget, that’s why you won’t see any price stickers on our vehicles.

Bad Credit Assistance

Bad credit doesn’t need to be something that sticks with you throughout your life. While it may seem insurmountable at times, steady and continued work at chipping away your negative credit history will have you recovered in no time. First and foremost, our dealership wants to help, our financial team has years of experience in the industry, can help answer any questions you have, and educate you on the entire process, step-by-step with no hidden fees or surprises. We set realistic goals with our customers, so you can work toward improving your credit and don’t have to be at your previous current rates ever again.

Rebuilding Your Credit with an Auto Loan

While we’re a used vehicle dealership, our true goal is to help you improve your credit. It may seem counterintuitive, but taking out a loan on a large-scale item like a vehicle, and paying it off on time and consistently is one of the best ways to rebuild your credit. Along with taking out a loan within your means, paying off any debts and mixing up your credit you’ll be able to work your way out of a bad credit hole. We report to the credit bureau to improve your credit rating and offer that extra bit of positive reinforcement as you chip away at your credit through consistent dedication.

Prime Financing

Our focus may be subprime, but we also will gladly help out any prime financing needs as well. If you have good credit, solid income and a history of paying off your debts, we can assist you in continuing that trend on an excellent plan. With a lower risk comes the ability for better terms and rates. Our finance team will ensure any plan maintains you on your prime trajectory, and meets you with favourable terms, alongside a high quality vehicle from our dealership.

Contact Us

We truly are experts in sub-prime financing, so if you have any questions about our process, your credit history, or just how we can help you, please don’t hesitate to reach out to our finance team, today!