"WE ARE IN THE BUSINESS OF PUTTING SMILES ON FACES!"
We are a handpicked team of auto finance experts that love what we do. Our happiness is derived from seeing happy customers drive way in their new vehicles with the best overall finance and protection packages possible. Our service is convenient, timely and professional.
Our team consists of professionally trained Financial Services Officers who are representatives for several chartered banks and financial institutions. Therefore, it is our obligation to ensure the financial arrangements have been completed in their entirety and that all available options have been explained. For your convenience all of the necessary financial paper work is completed right here at the dealership in a timely manner, so as not to inconvenience you and allow you the opportunity to start enjoying your new vehicle as soon as possible!
All warranties and protection programs are explained in full detail so that you will be able to make an informed decision concerning your new investment.
WORRIED ABOUT YOUR CREDIT?
We work with all the major and many alternative non-prime lenders who specialize in vehicle loans for people who are self-employed, new to credit, have poor credit, repossessions, been through debt counselling and many more unique credit situations. We pride ourselves in having the proper resources to help all credit situations and we have helped many people just like you get the credit they need and deserve.
SHOULD I USE CASH OR A LINE OF CREDIT OR A LOAN FROM MY OWN BANK? ... here's why you should not!
A line of credit requires an asset for security that is of greater value than the amount of your line of credit. Most people use their home, so if you are in default for any reason, the bank can seize your home!
If you are late on a payment, the bank may debit any of your accounts with them to make the payment.
Default on any loan, credit account or security agreement is considered default of ALL agreements. In that case, all amounts owing to the bank will be made payable immediately.
A line of credit is a demand loan. Anything that happens that the bank believes endangers your ability to pay as agreed, can cause the bank to demand the balance due immediately.
The bank can reduce your credit limit at any time, without telling you in advance.
Loans from your bank will be at a higher interest rate because they need more than just the vehicle as an asset to balance the risk.
Loans from a dealership are lower because of the large volume of business they do with the banks.
Cash - invest your cash! Don't tie it up in a depreciating asset!
WHY DO PEOPLE LEASE?
Lower Monthly Payment ~ During a lease you do not pay for the residual value (residual is the buyout of the vehicle at the end of the lease) and as a result your monthly payments will be lower than if you financed the same vehicle. This means you can enjoy the same car for lower monthly payments or drive a more deluxe model for the same payment as a finance contract.
Trade Sooner ~ Many vehicle loans are for 60 months or more. Many people choose to lease so they can move to a different vehicle every three years or so. The vehicle that is perfect for today, may not be the right vehicle 5 years from now...
Walk Way or Purchase ~ At the end of the term, if you have kept within the km limits, you can walk away from the vehicle or purchase the vehicle,
For Business Purposes ~ For many small businesses the simplicity of writing off a lease payment far outweighs the complicated capital cost allowance calculations. In addition, a lease will normally NOT impact your ability to source operating lines of credit for your company.