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The first step for potential car buyers who assume poor creditworthiness is to find out how low their valuations actually are. Consumers can access their credit reports and earnings at both Equifax Canada and TransUnion Canada, the country's two credit bureaus. In general, a score of 650 or higher is considered a good credit risk in Canada, while a lower score is considered to be a subprime category buyer. This often means higher interest rates. 2. Save a deposit In many cases, even with bad credit, shoppers can get a lower interest rate by putting money in the car. A deposit of 10% is often enough to access more favorable terms. This means that buyers interested in financing a $ 10,000 vehicle should expect a discount of at least $ 1,000, especially if they have a credit score below 650. Consider a Cosigner Those who have a trusted family member or trusted friend who has a good credit standing and is willing to take out a car loan may be able to afford a better financing package. However, this person must undergo a credit check and act as guarantor if the loan is not repaid. 4. Shop around Subprime buyers can often pay interest on a car loan by between 9 and 10 percent, while those with better credit scores only pay 3 to 4 percent. Buyers should know these numbers when applying for funding. Car loans with an interest rate of more than 10 percent are not worth the cost. Therefore, it makes sense for buyers to get a few different offers before they commit to financing. 5. Do the math Buyers should not only check the expected interest rates before purchasing, but also be aware of what they can afford and stick to this price range. This means that the target purchase price will be calculated based on the total amount you expect to pay rather than the monthly payment you can afford. When you shop monthly, you often have to agree on longer loan terms, which is usually not a good financial strategy when buying a car. 6. Provide documentation The best way to get a cheap car loan despite having a bad credit score is by building good faith in other ways. When purchasing a loan, consumers should bring copies of recent pay slips, utility bills, and other documents proving that they are able to earn income and repay debt. Although car loans are common for bad credit, a low score does not mean resigning to the first offer. Preparation and research can potentially help consumers qualify for lower interest rates and shorter terms, and save thousands over the life of the finance contract. Read the full article