Used Cars in St. Stephen NB

Yes. We offer financing through several finance sources. Most of our customers' financing decisions are available in 5 minutes or less.

Generally, a pre-qualification is when a finance company or lender does a basic review of your information and credit history to determine if you're likely to qualify for financing a car. A pre-qualification usually results in a soft credit inquiry, which won't impact your credit score.

No. For pre-qualification, ReCar uses soft inquiries, which have no impact on your credit score. Pre-qualification allows you to shop for a car confident you qualify for the vehicle of your choice. Once you're ready to buy, you'll have to submit a credit application to get specific offer terms.

First time buyer? No problem! Our finance sources accommodate most credit profiles, and every ReCar customer will enjoy the same upfront pricing and exceptional customer service, in the store and online.

Credit Challenge? No problem! Our finance sources accommodate most credit profiles, and every ReCar customer will enjoy the same upfront pricing and exceptional customer service, in the store and online.

Yes, you can add a co-buyer. A co-buyer may help you receive more favorable terms. Keep in mind our finance sources will also review your co-buyer's information and credit history.

Our finance sources take multiple factors into consideration when determining whether to pre-qualify you. For example: they will review your credit history for things like on-time payments. If you're able to put more money down, that can lead to better financing terms.

Double-check your credit reports, because if they are locked or frozen, our finance sources might not be able to pre-qualify you.

A down payment is one of the factors that finance sources consider when reviewing a credit request. Many are approved with no down payment, but if you have one, it just makes the payment that much more affordable.

Your down payment should be whatever amount you feel comfortable paying. Depending on your credit, that can be anywhere from zero to what you would like.

Most ReCar customers put down at least 8% of the purchase price. Keep in mind that a higher down payment will mean a lower payment and also may help you get better terms.