What determines my auto loan interest rate?
Interest rates are set according to the current condition of your credit. Banks use a credit rating score to determine APR to be set for your auto loan. The credit rating score is normally referred to as FICO or Beacon score. Prime borrowing is usually a score above "630", and interest rates for a prime customer are generally 9.99% and lower. A score between "300 and 629" is considered “special finance” or “subprime”. Subprime lending rates will usually fall between 10% and 29.5% depending on your score and present personal circumstances such as owning a home and time at current position.

Can I put Zero Down?
Your present credit situation will determine the need for a down payment. The general rule is Prime buyers with good credit qualify for Zero Down Financing. Subprime buyers generally should have at least $500 or 5% down and YES TRADE-IN's COUNT as a down payment. It is always wise to be prepared to have a down payment, and then be pleasantly surprised when one is not required.

What do I need to apply?
You must be at least 18 years old.
Valid Ontario Drivers License. Or a co-signor with one.
Gross monthly income of $1200 per month (Minimum).

How does Credit911.ca get such great deals?
Since most of us can agree that there is no such thing as a free Car. We must somehow decide on how much money will come out of your poket and into the dealers pocket.
When you choose Credit911.ca you not only guarantee yourself the best deal you also have eliminated all the lost weekends and countless hours on the internet.
Credit911.ca arranges everything, from your favorite color to your favorite radio station. All you need to do is walk in, sign and drive away.