Mazda Review

By Joanne dela Cruz

I often have customers applying for a bad credit auto loan with the request to finance a Mazda 3 or an import car to help with establishing their credit. So far, Mazda 3′s, 5 ‘s and 6′s are well received by clients who are looking to re-establish their credit with an auto loan. This is not meant to be a fancy review on the actual specifics of the Mazda vehicles but a product awareness on how many of my customers prefer a Mazda product and why. The Mazda 3 sedan or hatchback for example are stylish fun to drive cars. They are rated as economical, practical and sporty. A pre-owned Mazda is a welcome surprise to those who don’t believe they will qualify for financing.

Mazda Review

This fun to drive zippy and economical ride gets the thumbs up each time. For some people, the preference of driving an import vehicle is important. This is partly due to the strong resale value and their reputation for reliability. The good news is one does not have to settle for a lesser car because of bad credit. A new or used Mazda can easily be financed with a bad credit auto loan.

Mazda Review

The Mazda 5 with its sliding door and third row is a micro version of a minivan.Perfect as a small family vehicle yet still offers the same sporty trademark. While the Mazda 6 is the luxury mid size car model. We have exclusivity to new and used inventory to ensure we can always have the perfect Mazda car for you. 2014 Mazda 3 is the no. 1 car in its class.. Click to watch what Vancouver had to say on a Test Drive And Compare held in Vancouver, BC.

Why These Four Things Can Lower Your Beacon Score

Four Things That Can Qualify You For A Bad Credit Auto Loan

Equifax beacon score









Beacon score, also referred to as credit score is the very first impression your credit gets when perused for a credit application. If you are diligent with your credit and are wondering why you may have a lower beacon score than you deserve, then keep on reading to see if one of the four reasons I’ve listed below pertain to you. A lower beacon score, is a result of simply not knowing what constitues as a risk factor to a lender.  Often, I will see the lowest beacon scores from people who have no delinquencies on their credit bureau. And even though they are being  responsible with their credit obligations, they manage to have low beacon scores and only qualify for a bad credit auto loan.

Usually, what this means is their credit is over extended and even though the monthly obligations are met, a lower beacon score suggest there are too many open trade lines and or the balances are high.

Below are four things that can lower your beacon score despite good timely payments to your monthly obligations.

Why These Four Things Can Lower Your Beacon Score

First is having too many  open trade lines and can at times, lower your beacon score.This may have lender’s thinking that you are spending more than you potentially can pay back. thus, qualifying you for a higher rate and a bad credit auto loan.

A solution would be to pay off and or close unnecessary trade lines.

Second, When account balances are too high. This again could also signal to potential lenders that you are spending more than you can afford. The use of credit cards regularly is a good idea in establishing your credit however, try and keep the balances below 35 percent of your available credit limit.

Third, new credit applications always show on the credit bureau. The more enquiries to your credit bureau, the lower your beacon score becomes. Be selective in giving  out your credit information.

Fourth, The lack of recent revolving account information can also lower your beacon score because this information helps lenders evaluate your current credit worthiness. Without this information, the interest rate will reflect the risk to the lender.

Other Factors That Qualify For A Bad Credit Auto Loan

These are just four of the many reasons why someone might only qualify for a bad credit auto loan. The best practice is to be pro active and aware of your credit score and limit the amount of credit you apply for.

Before you go, be sure to enter your email and subscribe to receive our latest news and tips! For a free consultation visit us here.

Searching For The Lowest Interest Rate

Search For Lowest Interest Rate

Searching for the Lowest Interest Rate

 Searching for the lowest interest rate when dealing with bad credit is very much a part of the process when applying for an auto loan. We often get customers calls inquiring about getting the lowest interest rates when looking to finance a car with bad credit.  The answer is….it all depends on  several key factors that will determine your rate and these include;

Job Stability – most lenders require a minimum of 3 months on the job. Reason for that is most employers have a 3 month probation period. The longer the job stability, the better your chances for a lower interest rate.

Previous/current credit history inquiries to your credit bureau can increase your interest rate. Shopping around from dealer to dealer will only lower your overall beacon score. Finding and sticking to one dealer before giving them the authority to do a credit check can avoid numerous inquiries hence a lower interest rate.

How To Search For the Lowest Interest Rate

Credit Bureau- for people with current credit issues, consult with an auto credit specialist that will work with you from start to finish. This will not only make the experience less stressful but also get you the lowest interest rate possible. A credit specialist can in most situations serve you better as they not only work on your behalf but have the experience and the lender partners to get you the best rate you deserve. It’s key to have someone with a set of trained eyes helping you negotiate the best rate.

Searching for the lowest Interest Rate

Call us to see what you qualify for would be a good start in your search for the lowest interest rate. If you are currently in a high interest rate auto loan and are making your payments on time, we can revisit your loan and look at the possibility of switching you into a lower rate auto loan. A consultation is free and we are always glad to help. Apply now to see how we can lower your auto loan interest rate.

We serve all of British Columbia

Click the link below to get the lowest possible interest rate for your bad credit auto loan.

Auto Credit Specialist BC









Overcoming Bad Credit With An Auto Loan Salmon Arm

Overcoming Bad Credit With An Auto Loan

auto finance for bad credit BC - Credit Queen
Overcoming bad credit with an auto loan








The fastes and surest way to overcoming bad credit with an auto loan. If you are in the market for a vehicle and your credit isn’t perfect, no problem! Nowadays, The people of Salmon Arm know  there’s no shame in getting a bad credit rating anymore because unforseen situations happen to good people. If you have gone through something dificult that has put your credit rating in a bad situation causing financinal dificulties then this page is for you. Surviving it and crawling from under it, albeit with some difficulty. Bad credit rating shouldn’t prevent you from getting a vehicle if that’s what you need. The first step is to find a auto credit specialist BC to help you overcome your bad credit rating with an auto loan. 

 How to Overcome Bad Credit With An Auto Loan

Not long ago, overcoming a bad credit rating was harder and took longer to overcome. This was due to the fact that no one was willing to lend you more than a few hundred dollars if any.  It took a long time to overcome bad credit with short-term borrowing to help improve a bad credit rating. Big ticket items such as a vehicle almost always required a co signer. and while you’re in the process of redeeming yourself, you couldn’t get a loan for housing, cars, and other emergencies. Nowadays, with the help of an auto credit specialist you can get approved for a car loan to overcome your bad credit rating. We are an auto credit specialist who work closely with lenders specializing in bad credit car loans and we find ways to determine your credability.

Getting Help In Overcoming Bad Credit

As I mentioned, life happens and sometimes that means unfortunate things to good people. Wether it be a job loss, divorce, or health issues for example. But getting back up on your feet with your credit can now be painless. As a working professional, you can dust yourself off and start a new. Overcoming bad credit with an auto loan.

Perhaps now you can confidently get that job you wanted but couldnt because you didnt have a vehicle. Or maybe put an end to hitching a ride to wotrk with a co workers. Its possible, but even better, getting a vehicle that serves you and your family that you can all enjoy. All the while rebuilding your credit with the lowest possible rate and a monthly payment you can afford. Putting bad credit rating behind you once and for all.

Most people in need of an auto loan often jump into the first good deal they see without thinking about the payment terms and the fine print that goes along with the loan. Having accessible professional advice can prevent that. Furhermore, when choosing a vehicle, the focus is on your preference for a vehicle and not a dealerships. While your goal may be to get approved for a car loan easily, the real goal is to find a deal that’s easy to pay off as well. Affordability not only gives you peace of mind, it also steers your bad credit rating in the right direction and financiall leaving room to further re establish your credit rating.

Apply now and get a same day approval or get in touch for a free consultation.






No Credit History Bad Credit Car Financing

No Credit History Car Financing

bad credit car financing bc








 An applicant with no credit history is likely approved withbad credit car financing.  This is simply because there is no credit information on you to rate. Most people will get a credit card to establish or re-establish their credit. But if you are looking to qualify for a car loan, then you could qualify for a no credit history car financing.

Majority of people with no credit history are young adults, maybe working on their first jobs. Sometimes people who suffered a bankruptcy in the past and decided to stir away from acquiring credit for the last 7 years will have a no credit history, or if you’re a new immigrant.  These will all fall under bad credit car financing.  Despite your circustance, all at some point will want to apply for car financing. Most traditional lenders will want a co signer and or some money down. A bad credit car financing for those with no credit history, and with the help of a credit specialist can get you approved for a vehicle.

No Credit History Bad Credit Car Financing

To qualify for bad credit car financing, you will need to be gainfully employed. Your work and home stability are the two main qualifying factors that will qualify you. The longer the employment, the better your approval. Other individual factors will be considered in determining the rest of the loan structure. Then you have vehicle choice and affordability. As a first time buyer, you will want to allot just a small percentage of your gross monthly income to an auto loan. You are after all just establishing credit. Because an auto loan is an installement loan, The impact of you completeing the auto loan with no missed payments are great for your credit rating. Even better than that of a revolving credit which are your credit cards.

No Credit History Car Financing

Getting approved for a car financing for the first time is definetely exciting! The key moving forward would be to monitor your spending and affordability. If you can stay within your means then you can secure a credit rating that will allow you more freedom in the future. To get your approval, complete an application here and for a free consultation just click the link.


Bad Credit Auto Loans Same Day Approval

Bad Credit Auto Loans BC Same Day Approval Checklist

Bad credit auto loans bc same day approval require 3 simple steps in order to apply with confidence and get an approval.


bad credit auto loans bc
Same day approval checklist

The first step to a successful bad credit auto loans application is having a job. That’s right! you must be gainfully employed. At the very least, you must have provable sources of income. This is an obvious requirement to pay back the loan. So if you are employed, then perfect!. If you are new to the job, you should be in it for a minimum of 3 months before applying unless the job is lateral to your previous employment. In which case the less than three months might be acceptable. The probationary can be waived if your employer can confirm there is no probationary period.  Combined sources of income from employment or otherwise are subject to a minimum requirement.

Proof of Income is almost always required for bad credit auto loans. So be prepared to prove all your income sources. Say you have more than just your employment income, then providing proof for your other income sources can also benefit you. If your full time employment meets the minimum income requirement, then proving additional income is optional. However, the more income you can prove, the better. Some common examples are, part time jobs, pensions, court ordered child support, rental income. There may be others that cant be qualified as other income but these ones are the norm. I’ts also important that your proof of income is within  the 30 days. Producing these documents right from the start  is when we the auto credit specialist can negotiate best. Having all our ducks in a row  increases your chances and expedites your application.

Second On The Bad Credit Auto Loans Checklist

With a Bad Credit Auto Loan, having a valid Driver’s License is a must if you’re a single applicant. Just as its important for employment. You need to have a valid driver’s licence and be age of majority to apply. This is number two and pretty straight forward. For the first time buyers or no credit applications, a learners license is not accepted by all lenders so apply with caution. However, a novice is widely accepted as long as its valid.

Third Item On The Bad Credit Auto Loans Checklist

Getting an updated version of your credit bureau . Check it thoroughly for any inconsistencies if any so you have a chance to address them. Doing so helps the chance of a lower interest rates.  Make sure you are aware of everything that has been reported and that it is accurate. We gather the pertinent information reporting on your bureau to best structure an auto loan. So if you can readily answer questions to provide the when’s and the why’s in the event we need further clarification with a previous reporting.

 And highly recommended is to consult with an auto credit specialist. We definately to work harder for you to get the best approval. I mean, who better to trust than an expert! An auto credit specialist can find you the best deal overall  based on your income and stability. The vision is for a long term relationship where helping you rebuild your credit is part of our strategy for a bad credit auto loans bc


Bad Credit Auto Loans In British Columbia


Have you been stranded without a car and have bad credit? That won’t scare us off! Do you need a vehicle right away but don’t know if you qualify? Pick up the phone and give us a call! My name is Joanne dela Cruz, an Auto Credit Specialist. I’m  diligently serving the areas of British Columbia.

auto loan bc

For over 20 years we have aided the Province of BC with unmatched customer service, sales and sub-prime financing combined. We are the number one first choice when it comes to auto loan financing. We offer the lowest rates you can possibly find with same day approval. Our goal is to absolutely serve you with guaranteed support and the best possible new or used vehicle that best suits your family’s auto loan needs. After doing business with us you can walk away with your head held high with complete dignity.

When you give us a call our quality personnel staff is standing by and just waiting to hear from you. Don’t forget to fill out an online application and as soon as it’s been received we will get back to you. Our customer approval rating is 99% and if you make a monthly gross income of $2200 then you instantly qualify for a potential auto loan. We stand proudly behind our motto, “If you work, you drive!”

Auto Loan BC

In order for us to offer our clients with the very best auto loans, we stand with integrity and trust that are our significant principles which guide our business straight to the top. When you get in touch with us by phone or in person we will treat you as part of the family. We will quickly get to understand your specific auto need and then we will structure out a loan for you that will be absolutely customized and will provide you with the best vehicle that will offer a comfortable term and monthly payment.

If you have good credit, bad credit or even no credit, you can still stop by and see what we have to offer you. We look at it as a crime that someone should be without a vehicle when they are working hard to live or support their families. Don’t forget to fill out an application, send it off to us and give us a call and we will get back with you immediately. We will not have anyone leaving unsatisfied. We have a wonderful 5 star reputation that we care to maintain. Put us to the test! After you’ve experienced Credit Queen Finances and Sales fast and friendly service you won’t be able to wait to tell everyone you know where they can go for a vehicle.

Don’t forget, we are serving the area of BC and we are standing by just waiting for your call. Don’t wait, pick up that phone and prove this all to yourself that we are the best credit auto loaning company in the business.

How to Get a Car Loan with Bad Credit in BC

Are you having any of these problems? Credit Queen can Help!

Bad Credit/No Credit

Bad credit doesn’t have to prevent you from getting a car you love. Learn More about Auto Financing with Bad Credit.


Bankruptcy can be overcome! Learn about Bankruptcy and how it affects your ability to get a loan.


Challenged credit due to divorce? Learn how Credit Queen can help.


Don’t let Collections stand in the way of your new auto loan.

Credit Repair

A car loan is a great way to start rebuilding your credit. Learn more about re-establishing your credit.

First-Time Buyer

Learn how Credit Queen Auto Financing Specialist can help you make your first-time purchase.

The Key to our Sub-Prime Approach:

The key to our success in providing auto loans to anyone in British Columbia is the one on one service which we take care in delivering. Over twenty years experience in customer service, sales and sub-prime financing combined, enables us to offer extensive knowledge in the financing and re-establishing of challenged credit.
In order for us to provide our customers with the best auto loans, trust and integrity are our over-riding principles which guide our business. We find out about our clients and truly understand their auto loan needs. We then structure a loan that is customized providing you with the right vehicle that offers a comfortable term and monthly payment.

“It doesn’t matter if you have bad credit, good credit, no credit or bankruptcy. We do it all!”

To date, we have assisted thousands of satisfied clients throughout BC’s Lower Mainland regain their credit with our car loans. Leverage our knowledge and expertise today, apply now!

Car Loan No Credit BC - Credit Queen
We deal with all Makes and Models including: Chevrolet, Ford, Lincoln, Pontiac, Buick, Cadillac, Mazda, Acura, Chrysler, Dodge, Jeep, Saturn, Saab, Toyota, Nissan Hyundai, Kia, Lexus, BMW, VW, Volvo and Honda.

What Our Clients Say

At Credit Queen Auto Financing our customers come first. We want to hear from you. Tell us about your customer service experience.

Don’t forget to join our network by liking Credit Queen on Facebook!

Credit Queen and Financial Planning BC

Auto Financial Planning BC

Financial Planning BC

Credit Queen offers its services exclusively here in British Columbia. For those who aren’t familiar with who we are, we provide financing for auto loans. We cater to all three credit types. Prime, Near Prime, and Sub Prime. We have recently decided to extend our services to helping people with not only acquiring an auto loan and helping re-establish credit, but are now actively recommending the possibility of financial planning, for those who are interested in a long-term goal, to help them along with the credit re-building. We find the need to direct people to further avenues of credit rebuilding so our clients can further benefit. Financial Planning is something we started recommending to both new and established customers. We would recommend the services of one of our trusted professional financial advisor to give the consultation and guidance required. This will hopefully take our clients to the next level and provide a more solid ground with their finances so they can have a plan in place to help meet their future financial goals.

Financial Planning

This added service can benefit all credit types but only for those who have the desire to have a long-term financial plan. It can help with budgeting to successfully acquire a nest egg where one might not have an idea of how to go about one. It hopefully take procrastination out completely when there is a professional available to guide you.

This seemed like a natural turn for Credit Queen to take as it falls within the one on one service that we take great care in delivering. We are more than happy to direct you to a qualified and trusted professional for guidance.

Financial Planning and its benefits

Some of the benefits of financial planning are:

  • Knowing exactly your monthly budget.
  • Starting a savings account or starting an investment portfolio to help with retirement.
  • Acquiring the discipline with regards to spending and budgeting for the future.
  • Having some cash reserves to better prepare for the unforeseen will avoid being in the bad credit situation again.

Need an auto loan but don’t think you qualify? There is no time like the present to start re-establishing your credit. Fill out an application and start today! –>

Car Maintenance Tips

Winter Car Maintenance Tips

It’s that time of year with winter season around the corner. Different vehicles have their individual car maintenance schedules developed by the manufacturer which you can normally find in your glove box. But here are some general information provided by Car Care Canada to ensure your vehicle is safe and sound for the winter.


Car Maintenance Tips

Check your tires. Car Care Canada suggests winter tires are a must. Motorists in much of the country face harsh weather conditions. Be prepared for that first snow storm or a quick drop in temperature.

Check your tire treads and pressure. Tire tread condition is crucial when driving on ice and snow. Make sure to check inflation also, make sure to check the tire pressure of the spare tire.

Cooling System. The cooling system is one of the most important things to watch in your vehicle during the winter time. There are two things: the concentration of the coolant and the amount. In most parts of Canada, a 50/50 mix of coolant, water keeps the coolant from freezing, lubricates the water pump and protects the cooling system from corrosion. In very cold areas, it may be necessary to increase the concentration of coolant. But never more than 30% water. Also, coolant should be flushed and refilled at least every 2 years in most vehicles.

Heaters, Defrosters and Wipers. Wiper blades that are cracked or torn, or that chatter, streak and don’t properly clean your windshield should be replaced. Some manufacturers offer special winter blades that have a rubber boot covering the arm assembly to keep snow and ice out. When changing the blades, have the windshield wiper system nozzles cleaned and adjusted if necessary and check the windshield washer reservoir in case it needs fluids.

Check Battery and Charging System for Optimum Performance. Very cold temperatures will reduce a vehicles’ battery power so its important to keep the connections clean, tight and corrosion-free. Unfortunately batteries don’t always give warning signs before they fail completely. If your vehicle’s battery is more than 3 years old, it’s wise to replace it. When choosing a replacement, make sure the new one has adequate capacity for your exact make and model.

Change Your Oil. Check the owner’s manual to see if you are considered “severe”. If so, have the oil changed accordingly. Usually every 5000-8000 kilometers. Note, most Canadians qualify for “severe” conditions, which means you drive in stop and go traffic, in mountainous terrain or other conditions that increase wear and tear on your vehicle. Have your service technician check the fuel, air, and transmission filters at the same time. Always consult your vehicle’s owners manual.

Keep Your Gas Tank at Least Half Full. This tip limits condensation in your tank and reduces gas-line freezing. Adding a little gasoline anti freeze every second fill up will also help prevent gas line freezing.

Check The Brakes. This breaking system is the vehicle’s most important safety item and brakes are a normal wear and tear item that sooner or later will need to be replaced.

Check The Exhaust System For Carbon Monoxide Leaks. Leaks can be especially dangerous during cold weather driving when windows are closed. Regular exhaust system checks are critical to maintain a safe vehicle.

Car Maintenance Tips

Lastly, on tips on car maintenance, an annual vehicle inspection can detect a problem before it turns into a costly expenditure. Safety hazard or even worse a terminal illness.

By: Car Care Canada.

Page 2 of 3123