There's No Smoke and No Mirrors with us. We get it - when you're in the market for a new car, chances are, you need it sooner rather than later. Whether you're replacing or upgrading your vehicle, most of us have a lifestyle that requires access to a reliable vehicle. But, if your credit score is in the red, or downright non-existent, obtaining that new truck, car or SUV can become more challenging than it should be. When you apply for an auto lease or loan, most dealerships rely on an analysis of your past credit history to determine your eligibility towards obtaining a loan or lease, and view your records as an indicator of your intention to repay these loans. At PineRidge Ford, we know your time is valuable, and that’s why we’ve made securing a loan quick and easy.
Need help with your credit? Submit a form and one of our credit specialists will be in touch to arrange your best options.
We're here for you regardless of your credit situation. From good credit, to bad or questionable credit, to no credit at all, we are committed to working with you to find you a vehicle that meets your lifestyle and financial budget.
Students/No Credit History
If you're still in school, or recently graduated, chances are you haven't spent too many years racking up your credit card and building a solid line of credit. But, if you do have a credit card, or have accumulated student loans, these all go towards your future credit score.Let PineRidge Ford help you build credit and get you the vehicle you’ve been dreaming of!
At PineRidge Ford, we recognize that sometimes things don't always go as planned. Bad credit isn't the end of the world and doesn't mean you have to sacrifice a new auto purchase or lease. Our credit specialists are experts at finding lenders who can grant you access to a new car, while planning an affordable monthly payment schedule to help keep you on track.
Changing Circumstances/Questionable Credit
Going through a divorce doesn't always just interfere with your emotions. Sometimes, it can severely disrupt your financial security. If you are recently separated and had the misfortune of getting locked into an auto lease, don't panic! We can help you start over or rebuild your finances, while helping you protect your future line of credit.
New To Canada/No Credit
Settling into the community and starting a new life can be tricky, but finding a reliable mode of transportation and managing your credit doesn't have to be! New immigrants have the advantage of building their credit from scratch and when you work with one of our credit specialists and a trusted lender, making monthly payments on a new vehicle is so easy!