CA Lending® has been providing car loans for people with bad credit in Ontario and across Canada with interest rates as low as 3.97% APR (o.a.c.).  When starting fresh after bankruptcy an auto loan is the quickest and most efficient way to reestablish your credit.  CA Lending® has facilitated thousands of car loans over the years providing consumers with realistic solutions even if you have no credit or are in a current consumer proposal.  So apply today and we’ll have your auto loan approved and you driving in 36 hours.

3 reasons why you should make CA Lending® your complete car loan and vehicle provider:

1.  CA Lending® has the lowest interest rates for auto loans in the entire country.  Here, car loan interest rates begin at 3.97%.  CA Lending® also has terms up to 84 months for 2012 models and higher.

2.  CA Lending® gives you access to hundreds of quality vehicles for your auto loan at next to wholesale prices.  From compact cars, to SUV’s, to sedans and minivans of all makes and models, foreign and domestic.

3.  At CA Lending® there are no car loan gimmicks or false promises, just speedy approvals and knowledgeable staff that will take your hand and guide you every step of the way, even when you pick up your vehicle and drive it home.

Get a car loan at CA Lending® during the month of December and become eligible for up to $1000 in savings on your vehicle.  Whether you have good credit, bad credit, had a bankruptcy, or are in consumer proposal, CA Lending® will provide you with an auto loan that is manageable and affordable.  CA Lending® will also be open and providing car loans during the Christmas holidays with huge savings.  But don’t wait, because these offers are only good until December 26, 2013.  So Apply Today and get Approved!

A ‘fixed rate’ car loan‘s interest rate remains unchanged or ‘fixed’ for the full term of the loan whereas a ‘variable rate’ car loan‘s interest rate can go up or down depending on the prime lending rate.  So if the prime lending rate is 3% and your auto loan is 4% over prime then your car loan interest rate would be 7%.  If the prime lending rate should happen to rise form 3% to 3.5% then your car loan interest rate would be 7.5%.  CA Lending® offers both ‘fixed’ and ‘variable’ rate car loans whether you have good credit bad credit, had a bankruptcy or are 6 months into a consumer proposal.  Apply Today and get Approved!

Here are 3 common mistakes that people make when trying to obtain a car loan:

1.  Applying for an auto loan at several companies may seem wise but it’s important to deal with a company that is reputable and handles your credit application responsibly. A lot of places generate several unnecessary credit inquiries through themselves and their affiliates without regard for their clients’ already poor credit, and making it even worse.

2.  Some websites are simply designed to obtain your your information just so that they can sell it for profit to other companies in order to sell you stuff or worse steal your identity to commit fraud against you.

3.  A lot of people that have poor credit or had a bankruptcy or consumer proposal have unrealistic expectations about the car they want versus the car that they should get.  It is important to be reasonable and get a vehicle that will minimize your insurance costs so that you don’t fall into the same pattern that got you here in the first place.

Avoid these 3 common mistakes you will be on your way to rebuilding your credit.