Your Credit

Your Credit Score is the most important thing when looking to finance a vehicle! We have an experienced team of Credit Specialists to answer all of your questions, help you build your credit and get your dream vehicle!

If you are unsure about your Credit, Apply online with the Gauthier Autogroup quick & easy online credit application. We are the only company out there that offers FREE Credit Counselling and will work with you for as long as it takes to help you get the vehicle you have always wanted! Good Credit, Challenged Credit or No Credit, we have the solution!

Leasing allows you to pay for the portion of the vehicle's value you expect to use over a period of time, plus a borrowing charge and any applicable taxes.

Some of the benefits of leasing are:

  • Lower monthly payments (because you are only paying for a portion of the total vehicle cost)
  • This can allow you to get a more luxurious model or more features than if you chose to finance
  • A lease term is typically shorter than a finance term allowing you to drive a new car more often

Purchase financing is an installment sale transaction between you, a bank and your dealer where you pay the total amount of the vehicle (including all applicable dealer fees, taxes freight and so forth), plus an agreed-upon finance charge, over a period of time up to 7 years (depending on available options for your particular vehicle).

Some of the benefits of financing are:

  • You will own the vehicle and therefore it will be registered in your name,
  • You can trade in your vehicle when ready to purchase another to add to your down payment amount (and subsequently reduce your monthly payments),
  • You can keep your vehicle as long as you wish and there are no kilometer restrictions
  • You may alter your vehicle in any way you wish and there are no wear and tear limitations

In summary, if you drive fewer than 24,000 kilometers a year, like to be in a vehicle that is under warranty and like the idea of having a new vehicle every 2-4 years you should lease. If you plan to drive your vehicle for more than just a few years, consistently drive over 24,000 kilometers a year, like to alter the vehicle's appearance or if you feel more comfortable with the idea of owning a vehicle, financing is probably right for you.

In most cases, money down isn't required. However, to help reduce your monthly payments and the interest charges associated, we do recommend putting some money down on the vehicle that you're about to purchase and/or trading-in a vehicle.

This is a question that we cannot anwser for you until you have applied with us! Our team is a diverse group of experts in finance, credit and vehicle purchasing. We cannot gurantee that everyone will get approved but we can guarantee that we will do everything we can to help you get there!

Yes, you can get a vehicle loan even if you have no credit at all!

Having no credit means that you have a clean slate, with a qualified co-signer you can get approved for an auto loan.  This way you get your vehicle right away and your new auto loan will help you build your credit!

Don't want a co-signer? Ask us about our credit building program.

Co-signers are not mandatory but may be advantageous depending on each individual circumstance. Your financing expert will be able to help you determine this, even before you apply.

Yes, all loans provided by the Wise Guys Auto team are with credible bank lenders! The new auto loan will report to your credit bureau and help you continue to build your credit!