WHITECAP CAN HELP YOU ESTABLISH OR REPAIR YOUR CREDIT!
We understand that life happens and that can sometimes leave you with a bad credit score... or if you've never financed anything before, that can reduce your chance of getting a loan or a good interest rate. Whether you have less than perfect credit or no credit at all, we don’t think that should stop you from financing a vehicle. The good news is that it IS possible to rebuild your credit and we can work with you to do it! Together with our lenders, we can help you get into a new or 'new to you' vehicle with a payment plan that works for you.
VISIT WHITECAP'S FINANCING SPECIALISTS TODAY!
We have been locally owned and operated for over 30 years. The secret to our success is our customers. We care about our customers, and we want to help you today find the right vehicle and payment plan for you.
FREQUENTLY ASKED QUESTIONS
- Apply your personal touch with cosmetic alterations
- Drive without mileage limits
- Worry less about wear and use with many repairs being optional
- Build equity by owning your vehicle upon completion of your contract
- Experience “new” more often with typically shorter contract lengths
- Pay for the best miles of a vehicle's life — when it's still new and under warranty
- Potentially save money with a lower monthly payment
- Worry less about depreciation and enjoy driving without worrying about the decrease in value
- Manage your debt. Make paying off debt a priority. Your credit report can help you identify your accounts, amount owed and interest rates. From there, look at your budget and make a plan to manage and reduce debt.
- Pay your bills on time. If you have missed payments, get current on your bills and stay current. You can often ask your creditor to move the due date of your bills to a different time of the month.
- Build credit responsibly. Carefully consider new credit accounts and only open them as needed, as new credit accounts can impact your credit score.
Expected Depreciation - The amount your vehicle is expected to decrease in value from normal use over a period of time.
Finance Charge - The cost of credit, including interest and other fees, expressed as a dollar amount.
Interest - The direct cost of using credit.
Residual Value - The estimated end-of-term value of your vehicle that is established at the beginning of the lease and is used to calculate monthly lease payment.
Term - The period of months for which a loan, lease or retail installment contract is written.