Auto Finance with Not Great Credit

There is always a solution for each problem that comes up in life. Today more than ever, there are different lenders who specialise in determined lines of credit and even customise a loan for your exact needs.  After all affordable vehicle financing for all is Get My Auto’s speciality and we are here to help in Saint John, New Brunswick Canada.


Take It As Seriously As Possible


Remember that you are borrowing somebody’s precious money and that you are paying dearly for it. This means that a loan must never be taken lightly and without calculating the course that the events might take while you are committed to the payments.


So, Do Your Numbers


You should be able to determine first of all, how much you need, if you really need it and how long you are willing to take to pay it back. Then start your enquiries. If you don’t know, then we can help you figure this out and align it against your credit status and get the general picture.


Be Well Prepared


Once you have chosen to contact us Chris will prepare your information for the lender and you can trust he is prepared to negotiate the best rate and payments for you. He is prepared in advance.


Chris needs all the information possible for your current financial situation in order to get the best rate and payments for you with lenders. This is something I always stress. Be prepared for all the questions you might be asked so we have this handy. Out yourself in the lender’s shoes and think of all the questions YOU would want to know about your borrowers, so as to have an idea if they are safe customers or not.  They will ask Chris the same and your helping make sure he has the information needed makes a world of difference.


But, What Is A Negotiation Anyway?


Well, it is the give and take that the parties carry out in order to meet an agreement. If there is something unusual you would like, for example a specially long term, be prepared to accept your counterpart to ask for one or two points more on the APR or even some collateral.


Something So Little Talked About


The fees: This item is generally overlooked and mind you, it could amount to one extra instalment, or more, depending on the case. Our suggestion should not necessarily be the only one. Invent, create. Offer to spread the fees on the instalments, so you do not need to make the up-front payment for administrative expenses.


Actually, make sure that the lender gives you a complete service, like getting your credit report for you, so you can negotiate with the real facts on the negotiating table. Automatic electronic debit from your bank account is also a good point, so as to avoid the trouble of paying personally. All this can make the fee pay for itself.


So, What Is It You Need?


Chris Moran, CEO of Get My Auto, negotiates with the lenders personally on your behalf. Other dealerships merely plug your numbers into the system and hope for a yes.  If it’s a no, next customer please and too bad for you. That doesn’t happen at GMA.  Chris would be very glad to tailor a special loan for you  with the many lenders he has available across Canada. All you need to do is supply your information, current pay stubs and Chris will set to work. Please note that each persons credit and situation is different. Sometimes, a lender may require a copy of your income tax assessment (the one you get back from the government after filing your taxes). This is usually for anyone who can’t find their current pay stubs or special circumstances in your yearly income.



Do not Ever Consider Yourself a Loser


There is always a lender who will be willing to take you on as a customer. Remember that a good negotiation by Chris Moran at Get My Auto,  means a win-win situation for you! So contact us today and get us working on your behalf today.

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