Auto Finance and Credit Help


Professional Advice and Guidance to Help Get You Driving Again

Everyone deserves to drive an affordable, reliable vehicle. We understand that bad things can happen to good people, and you’re more than just a credit rating. In the Oshawa area, even if you have credit issues, you can still get an auto loan. Contact Tip Top’s finance expert, Janis, today and find out how she can secure you a car loan.


Charissa

Meet Janis

Janis is our finance guru and specializes in securing auto loans for people with credit issues. Janis has strong relationships with a range of banks and financial institutions, so even if you’ve gone bankrupt, are going through a consumer proposal, or have been turned down for an car loan before, contact Janis today.

CONTACT JANIS


Auto Credit for All
 


Students

Students

We get it, students live hectic lives. Getting back and forth between work and classes isn’t easy, especially if you’re stuck taking the bus or train every day. Here at Tip Top Auto, we’ll work hard to secure a car loan for you, even if you have No Credit. As long as you have consistent monthly income, there is good chance Janis can get you into a reliable vehicle. Contact Janis today.

GET APPROVED    CALL: (905) 623-2366

 


Passport

New to Canada

Welcome to Canada! We would love to help get your new life moving in the right direction. A quality vehicle will help you get settled and into the swing of things. Contact our Solution Specialist Janis today; she specializes in No Credit car loans. As long as you have consistent monthly income, there is a good chance Janis can get you into a quality vehicle.

GET APPROVED    CALL: (905) 623-2366

 


Divorce

Divorce/Separation


A divorce or separation can have profound effects on a person emotionally and financially. Lawyer fees can add up quickly and before you know it, you have credit issues. Here at Tip Top Auto, we understand that life can throw you unexpected challenges. Janis, our Solution Specialist, is here to help secure you an auto loan and get your life back on track.

GET APPROVED    CALL: (905) 623-2366

 


Wheelchair

Long Term Disability

Accidents come out of nowhere and after the dust settles, you’re strapped with doctors’ bills, lawyer fees and other frustrations that can add up and cause credit problems. Depending on the long term affects from your accident, a reliable vehicle can make getting around a lot easier. Janis will work hard to secure you an auto loan so you can drive off in a quality pre-owned vehicle that suits your needs and budget.

GET APPROVED    CALL: (905) 623-2366
 


Innovation

Entrepreneurs

Owning a business isn’t always easy. With an ever changing economy and lots of competition in almost every sector, business owners often run into credit issues. We can help. If you have credit challenges or have gone bankrupt, there is still a good chance Janis can secure you a loan. Contact her today for more info.



GET APPROVED    CALL: (905) 623-2366
 


Common Auto Credit Questions


What do I need to get an auto loan?

The biggest requirement is consistent monthly income. If you’re working regularly, or have income from a pension or long-term disability, there’s a good chance we can get you an affordable auto loan.

How high will the interest rate be?

Every person is different, and interest rates for auto loans can vary widely. If you have less than ideal credit, there is a good chance you’ll have a high interest rate than someone with a perfect credit score. If you make you monthly payments and improve your credit score, in a couple of years you may be able to refinance your auto loan and get a lower interest rate.

What kind of vehicle can I get?

That really all depends on your needs. You won’t be able to get financing for a new vehicle, but that’s not a bad thing. Tip Top Auto has a big selection of vehicles, from small cars to big trucks. Our goal is to get you into a vehicle that suits your needs and budget. If you only need a small car for commuting, we’re not going to try and convince you to drive a big truck. We’re here for you, so tell us your needs and we’ll find a vehicle that make sense for your lifestyle.

Good Credit? Bad Credit? Our Finance Guru Can Help Go to Finance Info