Who has bad credit?

Bad credit is something that affects many people, Equifax, a Canadian firm responsible for tracking credit scores, released data in June suggesting that an overwhelming number of Canadians are falling behind on their credit card payments, up over 30% from similar reports in 2008.

Something as simple as a few missed payments on a credit card can lead to damaged credit, which can prevent you from acquiring loans in the future.

At Island Card Credit, we help put you back on the road to a good credit rating. With over 15 lenders and hundreds of cars available (the largest selection on Vancouver Island), we work with you to start re-establishing your credit by finding you the right car and the best payment plan to meet your current financial situation.

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Developer Location Job Title
Brian Gardner Illinois Project Lead
Nathan Rice South Carolina Lead Developer
Ron Rennick Canada Lead Developer
Rafal Tomal Illinois Lead Designer
Lauren Mancke South Carolina Lead Designer

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Five questions about bad credit car loans

One thing many people with bad credit don’t realize is that even under the most difficult circumstances, they may still qualify for a loan on a new or used car.

That’s what we do at Island Car Credit, we understand the questions people have, we understand the various circumstances of bad credit, and we work with them and our team of lenders to help them qualify for a loan.

Today, we’re answering five questions about bad credit car loans, and we hope these answers will give you the confidence to move forward with a loan and start repairing your credit today!

1. Do I need to be employed to get a car loan and purchase a vehicle?

Many people are surprised to discover that they don’t need to be employed to qualify for a car loan, they just need to prove an income. For example, your spouse may provide enough income, or you may be receiving an old-age or long-term disability pension. Each of these income types might help you get a car loan, the best thing is to speak to the financing experts at Island Car Credit.

2. I am in bankruptcy, can I get a car loan?

Another surprise, people in bankruptcy might still qualify for a loan. Basically, if you’ve made 3 consecutive payments to your trustee, and the finance institution (with co-operation from your trustee) determines that you’d be able to make the payments, you have a pretty good chance at getting the credit you need to purchase a vehicle.

3. Does repossession mean I can’t get a car loan?

It’s not impossible, though it does make it more difficult if you’ve had a repossession. At the least, it limits which lenders are available to you. Again, this is a great reason to speak to the financing specialists at Island Car Credit.

4. Am I limited to just purchasing used vehicles?

Really, it depends on your current finances. If it’s determined that you could afford to make the payments on a new car, the we’ll work to help you get a loan for that new car.

5. Will I be limited to what type of vehicle I can purchase?

It’s important to keep expectations realistic. The most important thing to do is to pick a vehicle where you’re sure you can afford the payments, even if it’s not your “dream car”, it’s the first steps towards rebuilding your credit that matter.

Once you’ve successfully paid off smaller loans, you can start building your way up to larger loans and that dream car you’ve always wanted.

I have other questions.

Contact the specialists at Island Car Credit today, or download our free credit guide for advice and information on rebuilding your bad credit.