Credit Education

If you’re interested in improving your credit score, there are a number of different things you can do to improve it – such as paying bills on time, eliminating extra credit card debt, and checking your credit report for errors and misinformation. One of the best ways to improve your credit score, though, is by…

Rebuilding your credit can be a difficult and long process. If you’re a Canadian with bad credit, it may seem like a nearly impossible task – and without good credit, you may not qualify for auto loans and home loans from most lenders. At Ride Time, we have years of experience helping Canadians with bad…

So, you just got a new car! Congratulations. Whether you’ve purchased a pre-owned vehicle or a brand-new car, we’re sure you’re excited. Now, you’re ready to make monthly payments for the next 60-72 months. But wait – what if we told you that it’s in your best interest to pay off your car as soon…

Whether you’re trying to purchase a brand-new vehicle, or a used car with bad credit, it can be hard to understand the entire process of purchasing a car. Loans, in particular, are confusing. How can you be sure you get a good deal on a car, even with bad credit? In this article, Ride Time…

If you’ve never been in debt, and you don’t have any outstanding bills or other claims against you, you may think that you’ve got a pretty good credit score. After all, you’ve never had a negative claim against you – so you must be doing pretty well! Unfortunately, this is not the truth. If you…

If you’ve purchased a new or used car, and you have bad credit, chances are that you’re paying a pretty high interest rate. Depending on your credit score, you may have an APR of 15-25% – which will result in you paying much more than the value of your vehicle in the long run. What’s…

If you’re trying to buy a car with bad credit, there are two primary types of loan available to you – fixed rate loans, and variable rate loans. When you get a fixed rate loan, the lender gives you the money with a set interest rate – 6%, for example. This number is used to…

If you’re interested in buying a used or a new car, you’ll need a good credit score in order to get a great deal on your loan. But if you don’t know your credit score – or if you have a bad credit score – you may end up paying quite a bit more for…

Getting pre-approved for an auto loan is a very good idea, whether you’re shopping for a new car or a used vehicle. Pre-approval is just what it sounds like. You go to a bank or credit union, inform them about the details of your total budget and desired loan amount. Then, they look at your…

Buying a used car in Canada can be a difficult proposition, especially if you have bad credit. There’s a lot to know and a lot to think about – and when it comes time to “sign on the dotted line” and purchase your car, you may not even know how your used car dealer figured…