Frequently Asked Questions

With A combined total of  For all your car financing needs in Calgary and Area  Cars  Without credit is the place to go. We've got an easy approval process, a wide range of new and used vehicles to pick from, fair interest rates with a 1.4% deliquefy rating. what does that mean?

A friendly team that knows car financing inside out. No matter what your credit looks like We Are Here  help you get the Vehicle  that suits Your Needs With

  we have been helping good people with bad credit. We have helped thousands of of  customers with bad credit, so let's give it a shot! Click Quick apply now, and we will let you know All of the Options to help!  

We would be happy to evaluate your current vehicle for a trade-in. You can either bring it in for an appraisal or use our online trade-in calculator to get an estimated value. Contact us for more information.

 Click on the "More " Tab at the top Right Of the Screen and select -Trading in-  

Enjoy!

 Interest rates at Cars Without Credit depend on several things, such as the type of car you're financing, how long the financing term is the year of the vehicle the km's , Trim level and of course, your credit worthiness. We always aim to offer only the rates that work well for your budget. What you get for a rate may be very different than your spouse for instance. Contact our finance department today to find out your rate. With 28 Lenders sky's the Limit.

Here Exclusively At Cars Without Credit  Our New to Canada Program is available to permanent residents and foreign workers within their first 5 years in Canada.  If you are new to Canada, we may help you finance a vehicle in Canada—even if you have limited or no Canadian credit history. 

 If you're reading this, you are likely in the market for a new car and doing a lot of research. Depending on where you are looking, you may have noticed multiple prices for the same vehicle. For instance, TV commercials may advertise a 2018 Toyota Corolla differently than the pricing you may see on a website such as Auto Trader or Car Gurus This may lead to some confusion but the reason is pretty simple. 

 The MSRP is set by the Manufacturer, in this case Toyota, as a suggested price to sell the vehicle at and is the only price that legally has to be shown. However, at Cars Without Credit

"not Your Typical Car Dealer", we want to be up front about our prices, which is why we choose to include All In pricing . Nothing Is worse than Misunderstandings.

Transparency is key to Have  client for Life :)

We occasionally offer promotions and discounts . We don't Usually Have a specific Promotion As we are  competitive with the market and we don't plan on changing that As your Sales Rep what We Have On The Go!

 Choosing the term for your car financing hinges on your personal preferences. If you want lower monthly payments, a longer term might work well. But if you can handle higher payments and want to save on interest, you might opt for a shorter term. It's all about striking a balance that fits your budget. Our finance team will help you make the best decision. 

All Auto Loans Are Open ended.

Yes, we have a full-service maintenance departments that can handle all of your vehicle's needs, from oil changes to major repairs. Contact us to schedule an appointment.

Do you Have Global Warranty? Need To Make A Claim We are here to help!

 It's probably in your best interest NOT to use your Line of Credit to pay for your vehicle. Some important reasons why: 1. Floating interest rate - fluctuates with the prime rate. 2. The bank has the right to withdraw money from your account to pay for your line of credit. 3. Secured lines of credit use your home as collateral. Default of payment for any reason allows the bank to take your home. 4. The bank may require the total balance of your line of credit paid in full if you die, become insolvent or bankrupt. 5. If the bank sees any increase in risk to the security they can demand full payment. 6. Home insurance costs may be higher due to the additional line of credit. 

 Canadian black book is regarded and extensively used independent third party organization, specializing in the valuation of used automobiles in Canada.  This third party data as a reference in estimating the value of your current vehicle Is One Of 6 Factors Cars Without Credit Uses. The actual cash value of a trade-in vehicle can only be determined through an appraisal with our Team! 

 By following your vehicle's service schedule, you will ensure your warranty coverage and prolong the life of your vehicle.  You Can Always call and ask for assistance from our team Or take the vehicle to your favorite local shop