Credit Rebuilding Program

Rebuild your Credit, Reclaim your Freedom

Bad credit can happen to the best of people, and it can become a real challenge to overcome. It can be even more difficult to buy a car with bad credit. That is why we offer our Credit Rebuilding Program that will help you get back on your feet and behind of the wheel of your next vehicle, all while putting you back on the road to a good credit score. We make getting a car loan possible even when other banks and dealerships have turned you down.

Leasing or financing a new car can be a great way to rebuild your credit. The key to rebuild bad credit is to find an affordable plan and vehicle that will work for you. Once you have found a New Toyota or Used vehicle that you desire, apply for our credit rebuilding program online and we will contact you to set up an appointment with one of our financial advisors. We will go over your options, and help you find a plan that you can afford.

Even if you have found yourself turned down by other dealerships or banks, we can still help you out. With manageable monthly payments, you will be able to improve your credit score over time. As time passes you will not only be closer to owning your financed vehicle, but will gain increased borrowing power thanks to an improved credit score.

Refinancing Options Help You Overcome Bad Credit

With great financing rates, and an amazing selection of vehicles, McPhillips Toyota will help end your search for a place to finance your new or used car or truck in Winnipeg Manitoba. Whatever your situation, we will design a plan that will help you rebuild your credit score and get the vehicle you’ve been searching for.

And if you already own a vehicle and find yourself stuck with a high interest loan, then we can help you refinance your car loan to manage bad credit. Refinancing your car loan can help you save a lot of money by providing you with a lower interest loan rate.

We are proud to provide credit rebuilding services to customers throughout Manitoba and elsewhere including Winnipeg, East St. Paul, Headingly, Perimeter, Interlake, Selkirk and Dryden. Contact us if you have any questions and we will put you in touch with one of our professional financial representatives.

What you need to secure a car loan or lease

Once you are pre-approved for vehicle financing or leasing, bring the following items with you to our dealership:

  • Government-issued photo identification (driver’s license)
  • A void check for the account that you would like to draw monthly payments from.
  • This must be a bank-printed cheque (not handwritten).

Once you have secured a bad credit car loan, there are a few steps to ensuring your positive credit rating: first, remember to submit your payments on time, or if you are going to have problems with a particular payment date, be sure to notify your creditor so that they can work out a solution. Also be sure to provide notification of any address changes.