3419 17th Avenue SE, Calgary, AB, T2A 0R3
Dealership hours of operation
Mon - Fri 10:00Am - 6:00PM
Sat 10:00AM - 4:00PM
Sun closed

SECURE ONLINE CREDIT APPLICATION

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    Introduction

    As a valued customer, we want to ensure that your private information is kept private and only shared with those companies that are authorized by yourself or that are allowed or required by law. This document explains our privacy policy, gives you reasons why we ask for the type of information we do, and if we do reserve a right to share information with non-affiliated third parties, lets you"opt-out" of our reservation to do so. Please take a moment to read this entire policy.

    Collection of Information

    The purchase of a motor vehicle requires considerable accumulation of non-public personal information. For example, if we sell or lease you a vehicle—extending credit to you at your request—we will receive information from you in order to determine your credit worthiness. We may also obtain information from a credit reporting agency. We may also obtain information from third parties such as employers, references and insurance companies.

    Some of the information we obtain from you may be required by provincial or federal agencies, such as the Department of Motor Vehicles or the Canada Revenue Agency. This information may be required even if you were to pay cash for your vehicle. Examples would be a driver license or social security number.

    Protecting Your Information

    We safeguard nonpublic personal information according to established industry standards and procedures. We maintain physical and electronic safeguards that comply with provincial and federal law. We restrict access to non-public personal information about you to those employees and outside contractors who need to know the information to provide goods or services to you. We prohibit our employees and agents from giving information about you to anyone in a manner that would violate any applicable law or our privacy policy.

    Information Sharing

    Unless we have indicated our desire to share your non-public personal information with non-affiliated third parties (by checking the box in the section below), we share information:

    • A) For everyday business purposes, such as to process transactions, maintain account(s), to respond to court orders and legal investigations, or to report to credit bureaus.
    • B) For the purposes of processing a sale or lease transaction at your request or authorization, such as submitting information to third party financial institutions that may be requested to take anassignment of the contract, or verifying insurance coverage information
    • C) When using outside service providers to help us provide you with products and services. Before providing information to our service providers, we enter into contractual agreements prohibiting them from disclosing or using the information other than for the purpose for which it was disclosed.
    • D) With "Affiliated"companies. Companies that are affiliated with us include any company that controls us, any company that we control, or any company under common control with us.

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    Auto Loan Tips - Improving Your Credit

    Making the right decision means being informed.

    Being informed about credit is important, because you want to have all the facts before making an important decision regarding a auto loan. Some important things to consider are:

    • Do you have a budget?
    • Do you have a down payment?
    • Do you have a trade-in?
    • Do you have a steady income?
    • What is your credit history?

    Considering these and other factors can help point you in the right direction when deciding on your next bad credit auto loan. Lenders will look at all of the above information, and create a risk assessment for you, so they can decide how much money they are willing to lend you for your used car.

    Budgeting

    Starting out as a used car shopper means knowing what you want to buy, and what you can afford to buy. Creating a budget helps you narrow the search for a car, and will keep you from overspending. Vehicles come in all shapes and sizes, with various features, so a budget will ease the search for a category of vehicle. Once you've narrowed your car search to a practical price range, you should begin to consider what type of vehicle you need. Start by deciding whether you need a Coupe, Sedan, Convertible, Hatchback, Wagon, SUV, Truck, Van, or Mini-Van. Southview Motors Premium Used Cars stocks an assortment of vehicles of all types, and makes finding the right vehicle easy. After you've found the vehicle you're interested in, simply contact us or fill out our online pre-approval auto loan application and we'll start doing the work for you!

    Down Payment

    Having a down payment for a bad credit car loan isn't always necessary, but it certainly helps to lower your payments and/or finance term. Customers who have even a $500 or $1000 down payment may significantly lower their monthly payments, thus reducing financial strain on car loan payments. Saving that extra little bit will mean that getting approved for a better rate may sometimes be easier, as you would be showing lenders that you are gaining financial responsibility and are less likely to default on a loan. It all goes back to that risk assessment mentioned earlier. A customer who purchases a $10,000 car at a 5% interest rate over 72 months would pay an estimated $74 bi-weekly with a $2000 down payment. That same customer, with that same car, would pay an estimated $92 bi-weekly without a down payment. Not only would the customer with the down payment be saving money in payments, but that person would be saving money in interest payments over the long term.

    Trade-Ins

    Trading in your old car for a new one can help to lower your payments, and act as a down payment toward the purchase of your next used car. As mentioned, bad credit car loan lenders create a risk assessment, and part of that risk assessment takes into consideration how much money you are putting down on your car loan. If you have a trade-in, we will gladly buy it off of you. There are many added benefits to trading in your old car, other than the cash value that you will be given. Trading in your car means you won't have to deal with selling it privately, which often means spending lots of time with buyers that aren't serious, or buyers that insist on offering you less than the value of your car. Often times scammers scour the internet looking for private used car advertisements, then offer them all sorts of reasons why they can't come to see the car in person. Trading in your car ensures a 100% smooth transaction - you drop off your old car the same day you pick up your new one. We will even transfer your license plates over for you! You won't have to spend a minute without a car.

    Steady Income

    Having a steady income helps making the finance process easier and faster. Steady Income factors into the risk assessment, and shows lenders that you are responsible enough to have income constantly flowing into your account, and that helps reduce the risk of you not paying back the car loan. Lenders see any sort of steady income as a positive towards credit rebuilding, regardless of the industry, or even the wage.