Here’s How It Works – FAQs
Q. How can NeedWheels.ca help me?
Q. Can I get into a new car or am I limited to just a used car?
Q. How does the program or process work?
Q. Is there a fee or charge for the Approval?
Q. Do I need a co-signor?
Q. What is my interest rate?
Q. Once I am approved how long does it take to get my car?
Q. Where is NeedWheels.ca located?
Q. I have a vehicle that I currently would like to trade, would you consider it?
Q. How Can NeedWheels.ca Help Me?
A. Hey … Credit accidents happen to all of us. It doesn’t mean that you should be banished from being able to get a loan for a car. We help you get into a reliable vehicle, one that will meet your needs, PLUS we help you re-establish your credit and build credibility again with lenders. We aren’t here to just sell you a car and send you on your merry way.
Q. Can I get into a new car or am I limited to just a used car?
A. We have an extensive inventory of both new and quality used vehicles both domestic and imports. We have helped several people get into new vehicles. If you aren’t able to get into a new vehicle and used is the only option, again we put you into one that is going to meet your needs. After you have built a bit of a reputation with the Lender we work on getting you out of that vehicle and into a new one.
Q. How does the program or process work?
A. Once we receive yourContact Info you will be contacted by one of our approval specialists. The approval process usually takes only about 30 minutes, however, if some information is missing it could take a couple of hours. It’s important that you take the time to fill out the application accurately and completely so that we can get to work for you without any delays.
Q. Is there a fee or charge for the Approval?
A. You pay NOTHING! This whole process is totally free. In fact, we have monthly giveaways for gas cards, GPS Units, tint and much more! Also, there is a chance for you to earn $200.00 when you refer a friend.
A. A co-signor is a fantastic way to help you along the way with your approval process, but isn’t necessary in the beginning stages of the approval process. If you have a co-signor with excellent credit that only helps your chances in getting an approval.
A. Interest rates are based on several factors, including how severe your credit accidents are, if you have a downpayment (it helps but isn’t necessary), and the risk the lender is willing to take. When you come in for your appointment your approval specialist will go over all the details with you. Keep in mind that the higher interest rate is like car insurance. When you insure a car for the first time you expect to have a higher premium because you don’t have any credibility yet. The longer you drive without an incident then each year the premium goes down. Interest rates for people with credit accidents work the same way. You need to rebuild your credit and relationship with the lenders and prove to them that you are able to meet your loan payment.
Q. Once I am approved how long does it take to get my car?
A. Once the Lender has given their final approval we can usually have you driving off in about 72 hours, if not sooner.
Q. Where is NeedWheels.ca located?
A. Our Ontario office is located at Formula Ford. We selected Formula Ford because of their reputation for customer service and their extensive inventory.
Q. I have a vehicle that I currently would like to trade, would you consider it?
A. Absolutely. When our approval specialist calls you to arrange an appointment, mention that you have a trade you would like us to consider and they will let you know what to do.
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