Can I Refinance My Car Loan?

Looking for a new set of wheels? Trading in? Owing more than you think it is worth? Needing to reduce your monthly payments? These are common questions we see day in and day out.

We’ll help you with the right guidance using our years of specialized experience in this industry for these and other bad credit, no credit circumstances. Unfortunately, just renegotiating a lower monthly payment is neither usual or easy to do in our marketplace. Plus in most of these circumstances your existing vehicle is also getting long in the tooth, so you’ll probably be better off with a better vehicle in any event.

We can help you reduce your monthly payments on another vehicle, taking yours in trade - yes even if you are “upside down” owing more than it’s worth on trade. And even if you have bad credit, no credit, past or current bankruptcy. This is the specialty that the Car Loan Lady brings to you.

Each circumstance has an approval path

Car lenders know that not every situation is the same. The best financing solution for you depends on knowing where you’ve been and where you’re headed. There are options available for your situation. The Car Loan Lady has seen it all and knows how to help you navigate financing despite these common obstacles you might be facing:

• Bad, Low or No Credit: A low credit score doesn’t have to mean “no.” Whether you’ve got a history of late payments or had a tough year, there’s still plenty of options.
• Negative Equity: Being “upside down” isn’t the end of your opportunity to lower your monthly payment. The Car Loan Lady is part of a large multi-dealer network that can get you the best price on your trade and get you the ideal vehicle. All for less than you might expect.
• Bankruptcy: Bankruptcy is not the end of the financing options road. Many lenders see post-bankruptcy clients as lower risk because they can’t file again for several years.

Each situation is different, but they all share one thing: they require a clear understanding of unique financing options. We don’t simply get you approved—we work hard to find terms that benefit you and set you up for long-term success.

The right experience leads to the right solution

Your circumstances don’t define you—your ability to move forward does. Whether you’re starting fresh or rebuilding after tough times, The Car Loan Lady helps you find favorable financing, regardless of your situation. Reach out today at caroline@thecarloanlady.ca or 647 407 7487 and discover what’s possible! No matter where you’re starting from, there’s always a way forward.