Learn More About How We Get People Approved for Car Loans in Kingston

Applying for automotive financing can be stressful, especially with less than perfect credit. At Car Credit Kingston we're here to help get you approved. Learn more about how our team will get you behind the wheel of a 'new to you' car.

We Work With the Nation's Top Lenders

We have relationships with some of Canada’s top automotive financing lenders. Once you’ve applied for a car loan, we’ll take your information and leverage our lender connections to get you the best loan options possible. Each lender specializes in different types of loans, including financing for people with bad credit, bankruptcies, recent divorce and separation, entrepreneurs and many more situations.

Proud to be a Kingston Company

We’re proud to offer car loans in Kingston, ON.  Our team of automotive financing experts not only know how to get you approved, they also understand this community. Want to meet face-to-face? No problem, simply stop by our office at 790 Gardiners Road.

Experienced Team of Car Loan Experts

Purchasing a vehicle is a big investment and it’s important to make sure that you’re working with someone you can trust. Our experienced team of automotive loan advisors will walk you through the entire car loan application process, providing full transparency from the beginning to the end.

Frequently Asked Questions

How We Get You Approved

Is it possible to get approved for a car loan even with bad credit?

This is a common issue for many of our customers. Applying and being turned down for financing can create a short-term blemish on your credit. That being said, many of our customers do not currently own a vehicle and face challenges financing one due to their credit. A large percentage of the lenders we work with specialize in approving automotive financing to people with credit challenges. Many dealerships simply do not partner with these types of lenders.

I was recently turned down for a car loan, should I still apply for financing?

One of the reasons why we love Kingston, ON is our city’s cultural diversity. We have helped many new Canadians find affordable automotive loans. We partner with lenders that specialize in approving auto loans for new Canadians.

Does Car Credit Kingston have options few new Canadians?

Answer 3: At Car Credit Kingston we have a wide range of options for new Canadians to help them get approved for a car loan. The process begins by understanding the needs and budgets of the new Canadians and their families. There are lenders that specialize in providing automotive financing to recent immigrants and we have relationships with many of them.

What We Need From You

What information is needed to start my car loan application?

Our automotive financing process begins with our online car loan application. We’ve built our application to work on any device. You will need to provide us with some basic information about the vehicle you’re interested in purchasing, you work and home address history and some basic information about your job and earnings.

One of our automotive financing experts will contact you if we have any questions.

Do you need my Social Insurance Number

No, we do not actually need your Social Insurance Number for our online car credit application. In the beginning, we are simply looking to learn more about you, the type of vehicle you're looking for, and some basic information about your income and expenses. Eventually, we will need your SIN, but that's later in the process.

Our Car Loan Application Process

How long will it take to get approved?

Great news, you’ve already started the process of getting a car loan simply by visiting our website. Once you complete our convenient and secure online credit application the process will be begin quickly. Our team of experienced automotive financing advisors will take your information and present you with your car loan options within 48 hours.

I’m interested in purchasing my first vehicle, will have issues getting approved for a car loan?

Purchasing your first vehicle can be both an exciting and nerve-racking experience. There are so many different vehicles to pick from. Every first-time car shopper is unique and it’s important to work with a dealership that understands your circumstances. At Car Credit Kingston, we cater to many people who do not currently own a car and have never financed a vehicle. Being a first-time car loan applicant can come with some challenges, but our automotive financing experts will guide you through the entire process. At the end of the day, we will make your first car process easy and affordable with some of the country’s best car loan rates for first-time car buyers.

How is my interest and car payment amount determined?

Every one of our customers is unique. That’s why it’s important for us to understand the type of vehicle you’re interested in buying for a price payment that works with your budget.

Interest rates will vary greatly just based on the current market, with rates oftentimes changing suddenly. Things such as the vehicle you’re purchasing, your credit history, the term of your car loan and various other elements will play a key role in determining both your interest rate and the amount of your monthly payment. Many of our customers are surprised to see how much their payments can fluctuate from lender to another. That’s why we work with dozens of automotive lenders to shop your business on your behalf.