How to choose the right auto dealership if you need car financing

If you’re in Canada and looking to buy a car with in-house financing due to a bad credit score, you might be wondering where to start. Finding the right dealership that offers in-house financing can be a challenge, but there are a few key factors to consider that can help you find the best option for your needs. Here are some tips on how to choose the right auto dealership in Canada when you need in-house car finance.

Research dealerships that offer in-house car finance

The first step is to research auto dealerships in your area that offer in-house financing. Look for dealerships that specialize in working with customers who have bad credit or no credit. These dealerships are more likely to have programs and financing options that can work for you.

Check online reviews and ratings

Once you have a list of potential dealerships, check online reviews and ratings to see what other customers have to say about their experiences. Look for dealerships with high ratings and positive reviews from customers who have gone through the financing process with them. You can check websites like Google, Yelp, and the Better Business Bureau for reviews and ratings.

Consider the types of vehicles available

The type of vehicles available can vary from dealership to dealership. Consider what type of vehicle you’re looking for and ensure the dealership has options that meet your needs. If you have a specific make and model in mind, make sure the dealership has it in stock.

Ask about interest rates and loan terms

When you contact the dealership, ask about the interest rates and loan terms they offer for in-house financing. Be sure to compare rates and terms from multiple dealerships to ensure you’re getting the best deal possible. Keep in mind that interest rates for bad credit loans may be higher than for traditional loans.

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Consider the dealership’s customer service

Customer service is an important factor to consider when choosing an auto dealership. Look for dealerships that are responsive to your questions and concerns and that are willing to work with you to find a financing solution that fits your needs.

Ask about warranty and maintenance options.

Finally, ask the dealership about their warranty and maintenance options. It’s important to know what kind of warranty or maintenance plan comes with the vehicle you’re purchasing and whether the dealership offers any additional coverage options.

Financing a car with Legacy Auto credit

Finding the right auto dealership in Canada when you need in-house financing due to a bad credit score requires research and careful consideration. By following the above tips and comparing your options, you can find a dealership that offers the financing and vehicles you need, with good customer service and fair loan terms.

Our team at Legacy Auto Credit is dedicated to listening carefully to your specific situation and offering guidance on the most suitable steps to obtain a car loan and improve your credit score. If you’re in Southern Ontario, please do not hesitate to contact us for help. We are committed to providing the support and assistance you need to get in-house finance.

In need of a new vehicle?

If you need a new vehicle and are looking for an affordable payment plan, our credit experts are ready to help you, even if you have bad credit. You can fill out an online Car Loan Application and our credit experts will help you find a payment plan that meets your budget and lifestyle. You can also reach out for a complimentary credit check.