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1400 McPhillips St , Winnipeg , MB R2V 4G6 Directions
Sales (204)-697-1400 Call Us
1400 McPhillips St , Winnipeg , MB R2V 4G6 Directions

Low or No Credit Solutions

Finance Solutions

No or Low Credit? You Still Have Options.

Your credit history is only one part of your financing picture. Learn what to expect and how our finance team can help you explore your options.

Financing With No or Low Credit

Buying a vehicle with little or no credit history can feel overwhelming, but it doesn't mean you shouldn't explore your options. Your credit history is one part of the overall financing picture, and there are other factors lenders may consider when reviewing an application.

Our finance team can help you understand the process, review your situation and explain the financing options that may be available to you.

It may be possible. If you have little or no established credit, a lender may still consider your application based on other factors such as income, employment, down payment, debts and the vehicle you're purchasing. Every application is reviewed individually, so approval and terms can vary.
Less-than-perfect credit does not automatically mean you cannot explore vehicle financing. Different lenders have different lending criteria, and your overall financial situation can be part of the review. Our team can help you understand what options may be available.
Lenders may consider factors such as your credit history, income, employment, existing debts, down payment, loan amount and the vehicle being financed. The importance of each factor can vary by lender and application.
A down payment can reduce the amount you need to finance and may be a factor in a lender's overall assessment. The amount that makes sense for you depends on your individual situation and budget.
A credit application can involve a credit inquiry, but the type and impact can depend on the lender and application process. Our finance team can explain what to expect before you proceed.
You may be asked for information such as your identification, employment and income details, housing information and other financial information. Having this information available can help make the application process easier.
Our finance team can help you understand the application process and work with available lenders to explore financing options based on your individual situation. Financing approval, rates and terms are determined by the applicable lender and are not guaranteed.

Let's Look at Your Options

Your credit history doesn't tell the whole story. Whether you're establishing credit for the first time or working through past credit challenges, it can be helpful to understand what financing options may be available before you start shopping.

Our team can walk you through the process, answer your questions and help you understand the information lenders may consider. There is no one-size-fits-all solution, but we can help you take the next step with a clearer picture of your options.

Customers discussing vehicle financing with a finance professional

Ready to Explore Your Financing Options?

Start your application online or connect with our finance team to discuss your situation and learn more about your options.

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