Before you start shopping, look up your credit score for free. A soft check will not hurt your credit score, even if you decide not to pursue an auto loan. If you live in Calgary; from the northwest to the southeast, from the foothills to the prairie edge, you likely work in oil and gas, tech, trades, healthcare, or retail. You pay your rent and utilities.
But you have no Canadian credit history; or a past divorce, bankruptcy, or consumer proposal damaged your score. Traditional banks and big dealerships say no. They see a blank file or a low number (very good credit is considered 740 or more), not see a Calgarian who simply needs a reliable vehicle to navigate Deerfoot Trail, Crowchild Trail, or Glenmore Drive.
When Auto Financing in Calgary Becomes Difficult for Less-Than-Perfect Credit Profiles
Calgary is a car dependent city. Transit works, but it adds hours to your day. A broken down vehicle costs you job opportunities, family time, and independence. Winter can hit hard, even when we get a break from it on a rolling chinook. Banks only look at a 3 digit score; they do not understand shift work, contract positions, or rebuilding your finances after a boom/bust layoff. You need a lender who looks at your income, your down payment, and your commitment; not just your credit score.
Drive Next Alberta Offers Bad Credit Car Loans in Calgary with Access to Thousands of Used Vehicles
The lender you need is Drive Next Alberta. We provide car loans in case of bad credit and auto financing for Calgary residents looking for a vehicle across the entire city. Our network of dealers within the Kaizen Auto Group gives you access to thousands of used vehicles; plus new models from GM, Ford, Hyundai, and Nissan. Whether you need a work truck, a family SUV, a fuel efficient sedan, or a minivan for soccer practice; our dealer partners have the inventory to match your lifestyle.
If you are in Calgary, you can pick up your vehicle at any of our partnered dealerships. We also offer remote delivery to your home or workplace anywhere in the city; from Tuscany to Mahogany, from Beddington to Copperfield.
Calgary customers of Drive Next get the help they need in four steps
- Complete our online application in three minutes. It uses a soft credit pull; your score stays unaffected. Tell us about your income; full time, part time, contract, or gig work; all acceptable.
- Receive your pre approval within 24 business hours. We will call or email with your terms. And help with a straight answer on your path forward.
- Select your vehicle from our vast Calgary inventory. Choose from used trucks, SUVs, cars, and vans; plus new GM, Ford, Hyundai, and Nissan models. Every used vehicle passes a full safety inspection; you need reliability on Deerfoot during rush hour or a snowstorm.
- Take delivery locally or at your door. If you prefer, finish your paperwork at a partnered dealer and drive away. Or we can bring the vehicle to your home. We report every on time payment to credit bureaus so your credit improves season to season.
Whether your situation is best described by no credit, bad credit, bankruptcy, or divorce; none of these disqualify you completely. Drive Next Alberta has helped hundreds of Calgarians drive away with confidence and rebuild their financial lives with the same vehicle that they need to do so.
Stop worrying about your credit history. Start driving a vehicle that fits your budget and your commute.
Contact us today to begin your approval, or better yet, get a credit check now!
