Frequently Asked Questions in Moncton NB

It may cause a temporary dip in your score due to the credit check but can help improve it in the long run.

Typically, proof of income, residence, identification, and possibly references are needed. Specific requirements will be outlined during the application. 

Usually within the day of the application, but it depends on application completeness and the lender's review process. 

Yes, trading in can reduce upfront costs and may lower monthly payments. 

It can strengthen your application but isn't always required; our team will explore options based on your situation. 

Yes, our specialized programs help individuals with past financial challenges rebuild their credit. 

Review your loan terms for specifics; some loans have penalties, while others allow early repayment without fees. 

Check your credit reports regularly for free and use credit monitoring services offered by many institutions. 

Demonstrate financial responsibility by paying bills on time, reducing debts, and having a stable income and budget. 

While no strict minimum, a higher score helps; our lenders consider various factors beyond just credit scores.