I Need Wheels
At I Need Wheels, we understand that there are bumps, turns and curves on the road of life. Bad things happen to great people. If you are a victim of circumstance and you’ve experienced divorce, previous health issues, prior job loss, bankruptcy or other credit concerns, then I Need Wheels has the solution for you! You are not in this alone. You will have a team of professionals at I Need Wheels who will treat you with the utmost respect in an environment of complete confidentiality and kindness. Our goal is to help people like you rebuild damaged credit and offer you a newer, fully certified, safe, reliable vehicle. We have all makes and models available to get you on the road to a better future. Apply online or call today!
Our easy credit application will give you access to the top financial institutions in the country.
Our consultative approach to financing will guide you through the credit rebuilding process and help you rebuild your credit with an auto loan.
Get Your Vehicle
Once approved we will help find the best vehicle for you. So you can drive away in your new vehicle!
Our family received nothing but the best from the Ford family. They worked hard to get us the best deal, and always put us first. Thank you so much for making this a wonderful experience!! If anyone wants first class service, and quality vehicles, go down to St Thomas Ford and be treated like family.
How do I see my credit report?
There are two major credit bureaus in Canada where you can view your personal credit report: Trans Union or Equifax. You will have to purchase your credit report but it will be well worth it as each company can provide you with some valuable tips on rebuilding your credit.
Will my interest rate be high if I have bad credit?
Hasn’t it happened to all of us that we have had a car accident or some speeding tickets and our insurance premiums have gone through the roof? Well just as your insurance company bases your premiums on risk, car loan lenders work the same way. If you have had some credit hiccups along the way, Credit card companies and other lenders will increase your rates based on the associated risk. The good news is that as you clean up your credit record you will have the opportunity to consider refinancing a new car loan at a lower rate.
How do I rebuild my credit?
Step one: Obtain a copy of your personal credit report and insure accuracy.
Step two: Work with your creditors to improve ratings where possible.
Step three: Put together a game plan to deal with your outstanding accounts
Step four: Improve your credit score with a new auto loan.
Step five: Pay all accounts on time and as agreed.
Step six: Protect your credit; it’s your lifeline!
What are the benefits of getting pre-approved?
By filling out an application for pre-approval, you can go into the dealership with peace-of-mind knowing exactly what you qualify for. No point in trying to purchase a full size SUV when you can only qualify for a mid-size. If you are uncertain about your current credit situation, it is especially beneficial to go through the pre-approval process. You can save a lot of time and potential embarrassment by knowing up front if there might be any reason that you may not qualify for prime finance programs.
Can I get a car loan after bankruptcy?
Absolutely! Re-establishing your credit with a car loan after bankruptcy can happen as soon as the day after you have been discharged. I Need Wheels loans deals with several Automotive Finance companies in Canada specializing in bad credit car loans and can tailor a loan that suits your current financial situation.
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