Automotive Finance

Are you worried that your bad credit might stand in the way of finding the right car for you? Worry no more…at Ride Time in Winnipeg, MB, your bad credit isn‘t the end of the world. In fact, we‘ve got the perfect solution! It‘s natural to be hesitant when it comes to buying a car…

Do you only have the minimum credit score for a car loan? Are you wondering how you can increase your credit score?    Credit Score Defined Credit scores are numbers between 300 to 850 intended to help lenders make decisions to extend or deny credit based on a consumer’s creditworthiness. Those with a 670 up to…

Buying a car can be confusing, especially if you don’t have good credit due to a short credit history, or financial difficulties. When you’ve picked out a car that’s a great fit for your lifestyle, and agreed on a price with the salesperson that is reasonable, you may think that the worst is over –…

Nobody wants to deal with a debt collector. But if you are extremely behind on a credit card bill, a personal loan, or a medical debt, your debt may be “written off”, and sold to a collections agency. When a bill enters collections, it can negatively impact your credit score, reducing your ability to qualify…

Whether you have a short credit history, no credit, or bad credit, you may need to buy a car in Canada with bad credit. While this is not ideal, there are some steps you can take to minimize the amount you have to pay in interest, and secure a better rate on your car loan.…

If you have bad credit in Canada and you need a car, you may be considering leasing a vehicle, rather than purchasing a car. In some cases, this may be a good choice – but it’s not always the best move. In this article, we’ll discuss a few of the things you should keep in…

Your credit score is incredibly important when it comes to getting large loans for homes, cars, and any other purpose – so if you have bad credit in Canada and you need a car, you may be wondering how you can boost your credit score quickly. With a good credit score, you’ll enjoy lower financing…

Whether you have average credit, great credit, or bad credit, you’ll want to protect your credit score while you’re shopping for a car. A higher credit score qualifies you for better deals on financing and can often get you dealer incentives – so you’ll want to keep your score as high as you can while…

If you’re interested in buying a car, or even if you’re simply trying to stay on top of your finances, your credit score – and your credit report – are very important tools. In this article, we’ll look at the difference between your credit score and your credit report, and some of the benefits you’ll…

Understanding your credit score can be quite difficult. Most Canadians have a vague idea of how their credit score is calculated, and what’s important for having a good credit history – such as never missing payments, keeping a low debt load, and having a long history of credit cards and other loans. But many Canadians…