Car Selling FAQ

If you have a vehicle to sell, you typicadlly have two choices: (1) sell to a dealer, which can be convenient but generally leads to a low price; or (2) sell it yourself, which can generate a higher price than trading-in but is a time-consuming hassle that involves dealing with strangers. At Get Auto Finance, you get the best of both worlds: more money for your vehicle than a dealership without the hassle of selling it yourself. Our sellers make more, and we do all the work.

From the moment you fill out our online form to the moment we hand you the money, you can sell your vehicle in less than 24 hours using any proffered payment method.

At Get Auto Finance, we buy financed or leased vehicles and can arrange to pay your existing loan as part of the inspection process.

Vehicle valuations by our industry professionals are based on current market data, analytics, and industry research. Every vehicle is evaluated based on the vehicle’s year/make/model/kilometers and overall condition.

Credit Score FAQ

Bad credit can stay on your record between six and seven years. However, because credit bureaus report the information differently, the exact time it takes for the information to disappear depends on the credit bureau and the type of information. Equifax Canada counts from the date the debt is first assigned to a collection agency.

Credit scoring models cannot generate a score without enough credit information. If you have little or no credit history, you probably will not have a credit score available.

Oftentimes car shoppers don`t have someone that can co-sign for them, so they are worried about applying for financing. At Get Auto Finance, we have several programs that can get you a car loan in Ontario without a cosigner! Special program for recent college/university graduates as well.

There is, unfortunately, no quick way to “repair” or “fix” your credit. The time it takes to rebuild your credit history is determined by the severity of your credit issues and how your credit history was impacted. It could take a few months to complete, or even years depending on the circumstances. In either case, there are immediate steps you can take to help restore your credit.

Absolutely! At Get Auto Finance, we encourage our customers to apply for a car loan even if they have subpar credit, and provide them with various opportunities to get on the right path to a good credit status.

It may take time and effort, but developing responsible habits now can help you grow your score in the long run.

A good first step is to get a free copy of your credit report and score, so you can understand what is in your credit file. Next, focus on what is bringing your score down and work toward improving these areas.

Here are some common steps you can take to increase your credit score.

  • Pay your bills on time. Because payment history is the most important factor in making up your credit score, paying all your bills on time every month is critical to improving your credit.
  • Pay down debt. Reducing your credit card balances is a great way to lower your credit utilization ratio, and can be one of the quickest ways to see a credit score boost.
  • Make any outstanding payments. If you have any payments that are past due, bringing them up to date may save your credit score from taking an even bigger hit. Late payment information in credit files include how late the payment was—30, 60 or 90 days past due—and the more time that has elapsed, the larger the impact on your scores.
  • Dispute inaccurate information on your report. Mistakes happen, and your scores could suffer because of inaccurate information in your credit file. Periodically monitor your credit reports to make sure no inaccurate information appears. If you find something that’s out of place, initiate a dispute as soon as possible.
  • Don’t close all your accounts. In most cases, no credit is worse than bad credit because lenders can’t predict what you’ll do if they give you a loan.

Second chance credit gives you the opportunity to get into a vehicle that you otherwise wouldn’t be able to because of less-than-perfect credit for reasons involving bankruptcy, consumer proposal, multiple payment defaults, and much more. At Get Auto Finance, not only will our team give you a fresh start, but they will also provide you with second chance credit options tailored to your needs.

Leasing a car can help you raise your credit score, but only if you are on time with your payments. When you first start the lease, you may actually see a slight drop in your score. This is because starting a lease opens a new account on your report. After about a month, this slight drop should bounce back up. If you pay your lease off early, this could also hurt your credit score. Stick to the terms of the lease and make your payments on time to really improve your credit.

Without a doubt! We have access to rates from various sources that vary in terms of the amount to finance, vehicle model, and year. Our Advisors will work with you to evaluate and select the best rates for your specific purchase requirements.

To get started, contact Get Auto Finance today.

Your personal Information is 100% Private! We do not share your personal information with anybody! Unlike other auto loan services, we are not in the business of selling or sharing your personal information with any other firm or entity.

Immediately after you submit your online application, we receive an email informing us you have done so. We then contact you by phone or email to review your application carefully and present it to the auto finance lender who is most likely to extend you credit in your situation. We never pull your credit report before contacting you and discussing all options.