A: Our trained and experienced team has had years of practice working with the banks to guarantee loan approvals for everyone no matter what their credit history may be. We work with many financial lendors and have great relationships with the banks to make sure we are able to get everyone who contacts us on the road in a new vehicle today.

A: Of Course! If you are new to Canada, or have never had a loan or a credit card to influence your credit history then Own-It Finance is still able to get you a loan and have you driving today. We understand that it can be very tough to get around in Alberta and that is why we do everything in our power to make sure that you have the vehicle you need to get to and from work, drive the kids to school, and whatever else life throws your way. A car loan is a great way to start building your credit history and at Own-It Finance we can get you started on this road today.

A: Just follow the tabs above and apply today! One of our finance directors will call you within minutes and we will deliver the vehicle to your door as soon as possible!

A: Someones credit rating is affected by numerous factors. Length of credit history, repayment history on past and current loans, Debt service Ratio, Time on Job, Time on Residence, Number of credit inquiries, bankruptcies, Consumer proposals, Repossessions, collections and many other factors can determine whether you have good bad or no credit.

A: One of the best ways to maintain a good credit score is to make consistent payments on time. Often this involves understanding what will fit into your monthly payments and having a clear understanding of what your goal is down the road. Our specialists will help you with a financing program that allows you to increase your credit score and get into the vehicle you want in the shortest time possible.

A: Yes, in fact the majority of people currently having a vehicle loan will have some amount of negative equity. Our team can show you how you may even be able to get a much lower interest rate on your next loan so that less of that payment is going toward a bad loan, and more towards the car you want.

A: Not at all. The down payment required may vary depending on your credit, but most people actually don’t have nearly as bad of credit as they think. Our experts work tirelessly with the banks to make sure that you have the smallest down payment possible to get you into your next loan, and quite often we can provide a scenario where no down payment is necessary.

A: Yes whether you have gone bankrupt or are currently are in bankruptcy we have specialized lenders for you. This also applies to those looking for loans while in a consumer proposal or those who have reached out for help in credit counselling.

A. We understand the importance of making sure that our customers are getting vehicles that have been inspected and reconditioned. The majority of our customers will trade in their vehicle as soon as we can get them a better rate. This means that we will likely own your vehicle again very soon, and wouldn’t it be better if that vehicle was as reliable as possible? All of our vehicles must be inspected, cleaned and typically are low mileage with warranty.

A: We can most often get you a loan within the same day of you submitting your application. Our team works around the clock to make sure that regardless of your credit situation you still receive the same speedy service that someone with prefect credit would receive.

A: Own-iT Finance is partnered with many dealerships across Alberta in order to guarantee the best pricing and the best availability of vehicles to our customers. We have access to cars, trucks, vans, and SUVs from Honda, Ford, GMC, Chevrolet, Hyundai, Toyota, Dodge, Chrysler, Cadillac, Honda, Acura, RAM, and many more. Because of this we are confident we can find you the perfect vehicle every time.

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