Credit Education
Knowledge is power. Learn how credit works, how to improve yours, and how to navigate auto financing with confidence.
Featured: Understanding Bad Credit in Ontario
Bad credit doesn't mean bad person. In Ontario, over 30% of adults have experienced credit challenges at some point. Learn what credit scores really mean, how they're calculated in Canada, and most importantly - how they don't have to define your future.
Read Full ArticleUnderstanding Bad Credit
5 min read
Learn what constitutes bad credit, how it affects your financing options, and why it shouldn't stop you from getting a car.
Read ArticleHow to Rebuild Your Credit
7 min read
Practical steps to improve your credit score over time, including how auto financing can actually help your credit.
Read ArticleCredit Score Basics
6 min read
Understanding credit scores in Canada: what they mean, how they're calculated, and what scores qualify for different financing.
Read ArticleBankruptcy and Auto Financing
8 min read
How bankruptcy affects your ability to get auto financing and what options are available during and after bankruptcy.
Read ArticleFirst-Time Buyer Tips
6 min read
Essential advice for first-time car buyers with no credit history, including how to build credit through auto financing.
Read ArticleQuick Credit Tips for Ontarians
✓ Do These Things
- • Pay all bills on time, even if it's just the minimum
- • Keep old credit accounts open to maintain credit history
- • Use less than 30% of your available credit
- • Check your credit report regularly for errors
- • Consider a secured credit card to rebuild credit
✗ Avoid These Mistakes
- • Don't close old credit cards unless there's a fee
- • Avoid maxing out credit cards
- • Don't apply for multiple credit products at once
- • Never ignore collection calls - communicate
- • Don't assume you can't get financing with bad credit
Ready to Take Action?
Knowledge is the first step. The second step is taking action. Even with bad credit, you may qualify for auto financing that can help improve your credit score.