4 Things to check before buying a used car.

4 Things To Check before Buying a Used Car

 

When it comes to buying a used vehicle there are a lot of things you should be wary about. Pioneer Credit Center wants to make sure you know what you're doing when it comes to looking for that perfect used vehicle for you!  

 

1. Fresh Undercoating

 

If you see that a fresh application or spray of undercoating has just been put on the vehicle you are looking at you may want to think twice. Fresh undercoating can hide a multitude of problems with the vehicle and should make you wary.

 

2. Bumpers and Panels

 

If you look at the vehicle carefully and see that the front or rear bumpers and panels don't quite match up this could be an indication of a collision. Look very carefully at these areas for different colors of trim or paint, ripples in the bodywork or trim pieces that look newer then the surrounding ones.

 

 

3. No Road Test 

 

If the person you are buying the vehicle from won't let you take a road test in it be very wary. If the vehicle needs to be boosted or worked on before it starts it would be a good idea to pass on it, especially if they told you it "started fine yesterday".

 

4. A Rush Job

 

Be very wary of the seller who is trying to get you to buy the vehicle right now because of a multitude of reasons. If they won't sell it to you if you don't buy it right away it's best to take caution, you shouldn't wait too long to make an offer but you should still be allowed enough time to thoroughly look at the vehicle and think about it!

 

These are just 4 of the many things you should check and be careful of when it comes to buying a used vehicle from a private dealer. 

 

Visit our website at http://www.pioneercreditcenter.com/ for more information 

A rush job. Beware the car that you have to buy right away, whether it’s a private seller with a deadline such as moving away or selling it for a relative, or a dealer who says it’s ‘on special today’ or ‘it will be gone tomorrow.’ - See more at: http://www.wheels.ca/guides/10-things-to-watch-for-when-buying-a-used-car/#sthash.lLlqlj7V.dpuf

 

These can indicate a car that’s been in a collision. Look for possible signs of repair, including areas that are a different colour, trim pieces that look newer than the rest, paint overspray, or ripples in the body.
- See more at: http://www.wheels.ca/guides/10-things-to-watch-for-when-buying-a-used-car/#sthash.lLlqlj7V.dpuf

These can indicate a car that’s been in a collision. Look for possible signs of repair, including areas that are a different colour, trim pieces that look newer than the rest, paint overspray, or ripples in the body.
- See more at: http://www.wheels.ca/guides/10-things-to-watch-for-when-buying-a-used-car/#sthash.lLlqlj7V.dpuf

Credit Worries

Credit Worries

Pioneer Credit Center knows that when you don't have the best credit it can be stressful trying to get into a new vehicle at an affordable rate. That's why our team of credit specialists are dedicated to helping people with any credit situation get into the vehicles they deserve at rates they can afford! 

We have been helping people just like you for over 60 years get into their dream vehicles and we want to help you do the same! Find out just how much our team at Pioneer Credit Center can do for you by giving us a call today at (604) 832-3083!

Visit our website at www.pioneercreditcenter.com for more information!

Pioneer Credit Center

Pioneer Credit Center

Pioneer Credit Center has been open for over 60 years and in that time we have learned what it takes to keep our customers happy! We have a large network of banks, trust companies and in-house financing to ensure that we can always offer competitive rates and the best prices when it comes to our vehicles! 

Pioneer Credit Center doesn't just sell vehicles, we get to know the customer and their needs to find them the perfect vehicle that fits their lifestyle for a price that won't break the bank! We have a very large selection of vehicles to choose from with excellent options for financing, so you can be sure you will find something you'll love!

For more information visit our website at www.pioneercreditcenter.com

Easy to Drive Easy to Buy!

Easy to Drive Easy to Buy!

It super easy to get into a vehicle with Pioneer Credit Center! We have been helping people just like you get into the vehicles they deserve for over 60 years and we aren't stopping anytime soon! 

 

If you aren't sure whether you qualify to get into a vehicle today visit our simple online form at www.pioneercreditcenter.com and take 30 seconds to fill it out and we will get back to you as fast as we can! Don't let bad credit stop you either! We know no one has perfect credit so let us help you get into the vehicle you deserve today! 

 

For more information visit us online at www.pioneercreditcenter.com

F.A.Q

F.A.Q

Our team here at Pioneer Credit Center know that when it comes to cars there are lots and lots of questions our there. We thought we would share some of the ones that are asked frequently so you have an idea about what your getting into! 

1. What Is A Sub-Prime Car Loan?

 

Sub prime car loans or financing is offered to people whose credit history hasn't been the best in the past. Generally there are more conditions on these loans and some lenders may require collateral such as your house or car in case you can't keep up to your payments.

2. Can I get a Loan If I Am Self Employed?

 

Very often we can get you into a vehicle even if you are self employed! All you need to do is bring us a copy of your T4 tax form and a few bank statements to prove you have a source of income and almost as easy as that we can start your application process!

3. Will I Need Money Down?

 

While a down payment on your new or used vehicle isn't required it is a good idea to have one! Having a large down payment can reduce the monthly amount you will be paying for your loan and it looks good in the eye of the lenders possibly lowering your rates! 

For more information visit our website at www.pioneercreditcenter.com

We Are Here to Help!

We Are Here to Help!

The team here at Pioneer Credit Center knows that getting a new vehicle whether your upgrading or you are a first time buyer can be a stressful time. That is why we are committed to helping you with whatever we can! We always strive to provide the best possible customer service and are always willing to answer any questions you may have when it comes to getting a new vehicle. 

We at Pioneer Credit Center have been helping people since 1954 and in that time we have learned a lot. We know that that everyone has different needs and we work with you to find out what those are and find a finance plan that works for you! We provide friendly service in a timely manner and want you to know we are here for you! 

For more information visit our website at www.pioneercreditcenter.com

Are you self Imployed or own your own business?

Are you self employed or own your own business?

 

Here are Pioneer Credit Center we want to know more about you! Visit our website and fill out our simple credit application to find out how easy it is to get started with a loan today! We have been helping people just like you get into the vehicle they need and want for over 60 years so we must be doing something right! 

 

Visit our webpage at www.pioneercreditcenter.com and fill out our secure and easy to understand form and get started on getting into your new vehicle today! feel free to give us a call if you have any questions at (604) 832-3083

For more information visit our website at www.pioneercreditcenter.com

Dedicated Team just for you!

Dedicated Team just for you! 

 

Are you worried that you may not be able to afford that new vehicle you've had your eye on because of your credit? Well our team of Credit Specialists at Pioneer Credit Center will work with you to get you into the vehicle you've always been wanting! We work with the customer and answer any questions they may have so they know exactly whats going on and help them get into what they want! 

 

Our team is dedicated to top quality service so don't hesitate to give us a call and find out everything you need to know when it comes to getting into a new vehicle! We have helped many people throughout the years get into vehicles they never thought they could afford so let us do the same for you! 

 visit our website at http://www.pioneercreditcenter.com/ for more information!

2 ways to improve your credit score!

2 ways to Improve Your credit score!

Here are 2 ways that your can be sure to improve your credit score so when you go into the dealership you will be able to get a better rate!

 

 

 1. Never max out your Credit Cards!

 

While it is a good idea to use your credit cards to build up your credit score making sure to make all your payments on time and make sure to never ever max them out if you can avoid it! Maxing out your credit cards shows lenders that you probably don't know how to handle your money well and you will be less likely to get a loan or another credit card in the future!

 

2. Do your loan shopping quickly! 

 

When applying for credit card applications or loans or even mortgages if you apply to a lot of places over a period of time the credit score agencies will look poorly on this. If you are not sure where you are going to get your loan from make sure to do all your applications within a 2 week time period. This won't look as bad to the companies as you went to multiple at once and not one after the other.

 

This is just 2 ways in which you can improve your credit score and there are many others out there!

For more information visit our website atwww.pioneercreditcenter.com

 

Since your credit score gets pulled when you shop for a loan, submit applications to potential lenders within a two-week period. Having lots of credit inquiries can decrease your score. But the system won’t treat a cluster of credit inquires (for a car or home loan, for example) within a short time period unfavorably. - See more at: http://www.quickanddirtytips.com/money-finance/credit/how-to-raise-your-credit-score-fast?page=all#sthash.Qifb4MHj.dpuf

 

Since your credit score gets pulled when you shop for a loan, submit applications to potential lenders within a two-week period. Having lots of credit inquiries can decrease your score. But the system won’t treat a cluster of credit inquires (for a car or home loan, for example) within a short time period unfavorably. - See more at: http://www.quickanddirtytips.com/money-finance/credit/how-to-raise-your-credit-score-fast?page=all#sthash.Qifb4MHj.dpuf

Tip #5: Never max out your credit cards. A good rule of thumb is to keep your balances below 30% of your credit limit—even if you pay them off in full each month. For example if you have a card with a $3,000 credit limit, don’t rack up a balance that exceeds $900. It’s better to have two cards with balances that are each below 30% of your limit, than to have one card that you consistently max out. - See more at: http://www.quickanddirtytips.com/money-finance/credit/how-to-raise-your-credit-score-fast?page=all#sthash.Qifb4MHj.dpuf

 

A good rule of thumb is to keep your balances below 30% of your credit limit—even if you pay them off in full each month. For example if you have a card with a $3,000 credit limit, don’t rack up a balance that exceeds $900. It’s better to have two cards with balances that are each below 30% of your limit, than to have one card that you consistently max out.
- See more at: http://www.quickanddirtytips.com/money-finance/credit/how-to-raise-your-credit-score-fast?page=all#sthash.Qifb4MHj.dpuf

Tip #5: Never max out your credit cards. A good rule of thumb is to keep your balances below 30% of your credit limit—even if you pay them off in full each month. For example if you have a card with a $3,000 credit limit, don’t rack up a balance that exceeds $900. It’s better to have two cards with balances that are each below 30% of your limit, than to have one card that you consistently max out. - See more at: http://www.quickanddirtytips.com/money-finance/credit/how-to-raise-your-credit-score-fast?page=all#sthash.Qifb4MHj.dpuf

Tip #5: Never max out your credit cards. A good rule of thumb is to keep your balances below 30% of your credit limit—even if you pay them off in full each month. For example if you have a card with a $3,000 credit limit, don’t rack up a balance that exceeds $900. It’s better to have two cards with balances that are each below 30% of your limit, than to have one card that you consistently max out. - See more at: http://www.quickanddirtytips.com/money-finance/credit/how-to-raise-your-credit-score-fast?page=all#sthash.Qifb4MHj.dpuf

Tip #5: Never max out your credit cards. A good rule of thumb is to keep your balances below 30% of your credit limit—even if you pay them off in full each month. For example if you have a card with a $3,000 credit limit, don’t rack up a balance that exceeds $900. It’s better to have two cards with balances that are each below 30% of your limit, than to have one card that you consistently max out. - See more at: http://www.quickanddirtytips.com/money-finance/credit/how-to-raise-your-credit-score-fast?page=all#sthash.Qifb4MHj.dpuf

How long does it take for my auto loan to affect my credit score?

How Long Does it Take for my Auto Loan to affect my Credit Score?

 

 

Wondering how long it will take for your car loan to build your credit history up? Choosing financing over paying in cash will help build your credit rating as long as you pay responsibly and keep your payments on time, but there is no specific time frame for this credit-building strategy. Remember the salesman wants you to sign on the dotted line as quickly as possible. If he convinces you to choose the dealership’s financing making payments for a year and a half, he’ll get commission and the dealership will make money from interest!

 

 In order to build your credit, it doesn’t matter what financing option you go with, dealership or through another lender, as long as you make timely payments. Making sure your payments are on time is a good way to build credit so make sure not to miss any payments!

For more information visit our website at www.pioneercreditcenter.com

What isn’t covered in the manufacturer’s warranty?

What isn’t covered in the manufacturer’s warranty?

When it comes to warranties most people don't know whats covered and what's not! Here at Pioneer Credit Center we want to tell you what a few of the warranties cover and what they don't!

 

"Bumper to bumper" policies are a manufacturer’s warranty that covers specific components of your vehicle such as air conditioning, fuel systems, major electrical parts, and on-board audio. These policies exclude items like oil changes and fluid top ups, and are generally are the first type of vehicle warranty to expire.

 

Power train warranties usually cover your vehicle for about 10 years or up to 100,000 miles, but they won't cover all of the issues your vehicle may have. Power train warranties cover engine and transmission issues along with the drive shaft and joints, but will not cover tune ups or tire rotations.

 

Most of parts of your car aren't covered by the manufacturers warranty but may be covered by their own brand warranty or a dealership warranty.

 

For more information visit out website at http://www.pioneercreditcenter.com/

Thinking of something new?

Thinking Of Something New?

 

Have you been thinking about getting yourself a new vehicle? Whether you've got good credit, bad credit or no credit at all, we can get you approved. So let us help, give us a call and set up your appointment with us today.

Give us a call www.pioneercreditcenter.com