FINANCIAL SERVICES AT GRANT MILLER MOTORS LTD.

At Grant Miller Motors we realize that auto financing is an important part of the car buying experience. We understand that it can cause many customers stress. With that in mind, we set out to create an approach to financing with zero stress.

For your convenience, all of the necessary paperwork is completed in one office here on site without the need of having to wait for appointments and travel from bank to bank.

 

WHY SHOULD I FINANCE AT THE DEALERSHIP INSTEAD OF MY BANK?

Skip the bank loan and save your money with us! How does that work, you ask? Due to the high volume of transactions dealerships like ours do with local banks and lending institutions, the banks are able to provide us with lower interest rates than if you were to simply walk into a bank and take out a loan for a new vehicle, yourself. Then we help pass on those savings to you. One stop for financing, one clear solution!

CAR CREDIT APPLICATION

Less than perfect credit does not have to be a barrier to keep you from being able to lease or finance a new car. At our Grant Miller Motors Finance Centre, we offer lending solutions for people with bad credit or no credit. Get back on the road to rebuilding your credit today by allowing us to set you up with a manageable contract that will ensure that you can pay your monthly bills on time.

PROTECT YOURSELF AGAINST LOAN DEFAULT WITH LIFE & DISABILITY INSURANCE

Where do you see yourself in five years? But sometimes our best plans can get interrupted by serious life events we'd rather not think about. That's why Grant Miller Motors offers life insurance and disability insurance that you can bundle with your car insurance. It's all about those closest to you. MDA life insurance policy protects your family and loved ones against the financial risk of an untimely death. If you are to pass away before your car loan is fully paid off, they will be spared from having to repay the remaining balance of the loan, helping them when they are otherwise most vulnerable to another financial burden. Most of us don't pay for their vehicle outright and upfront in one lump sum payment; we work while we pay off our car loan. MDA disability insurance is in place to protect you in case something unexpected should befall you, such as illness or disability that interrupts your ability to earn an income. The remaining balance of your auto loan would be repaid by the insurer in this case. If you have any questions on the details of our insurance bundles, don't hesitate to talk to one of our financial representatives today.
FINANCE SERVICES

Which are Chartered banks and financing companies Grant Miller Motors represent?

Grant Miller Motors offers financing through many reputable organizations that allow us to customized offers to suit our customer's needs.







CHARTERED BANKS AND FINANCING COMPANIES
  • ATB 
  • Bank of Montreal 
  • TD Auto Finance 
  • Scotiabank Dealer Finance 
  • RBC Automotive Finance, GM Financial, General Bank of Canada, SERVUS Credit Union, RIFCO
FINANCING

How does financing at Grant Miller Motors work?
Financing with us is very simple!
First select a vehicle that meets your needs,
Submit a credit application with the help of financial services team
If approved, decide which finance offer suits you best!
HOW ARE FINANCE DECISIONS MADE?

• Down Payment
• Vehicle specifics (model, style, age, mileage, and cost)
• Application information such as income, time at current job, and time at residence
•Credit History

WHAT DOES A CREDIT SCORE MEAN?
A credit score is designed to assist financial institutions predict the amount of risk associated with a major purchase (car, house credit card, etc.). In other words, it is a way to notify the lender how (and if) you will pay you bills.

WILL MY CREDIT SCORE DROP EVERY TIME I CHECK IT?
Checking your own credit report is what's known as a "soft inquiry," which does not affect your personal credit score. Only "hard inquiries" made by a creditor or a lender when you apply for a car loan can drop your credit score. These "hard inquiries" can typically bring your score down by 3-5 points.

HOW LONG WILL POOR CREDIT HISTORY AFFECT MY LIFE?
With enough time and patience, all poor-credit situations can be rectified. A credit score is only a minimal part of the credit approval and car loan process. All situations can be turned, with the appropriate vehicle selection Bayview Auto can assist you to always improve your credit score for the future.

CAN I GET A CAR LOAN WITH POOR CREDIT HISTORY?
Grant Miller Motors wants to assist you in reconstructing your credit rating and provide you with a stable foundation for future financial success. Our knowledgeable financial services team can provide you with the best plan to fix financial misfortune. We specialize in actually acquiring the perfect car loan for you, even if you have a poor credit history. We have helped many of individuals in find the perfect car loan.

 
TOP SIX REASON'S WHY YOU SHOULD NOT USE YOUR LINE OF CREDIT TO PAY FOR A VEHICLE
1. Interest rates fluctuate with prime which can result in variable payments
• Unknown interest and unknown terms.

2. Lines of credit are designed for emergencies and investment opportunities
• Don't get caught without a backup plan. 

3. Many lines of credit are secured by your home; credit providers consider this a second mortgage 
• Default of payment for any reason allows the bank to repossess your home. 

4. Line of credit were designed as interest only loans
• Interest only payments result in long term liabilities without assets.

5. Your credit line is a demand note
• Your bank has the right to demand payment in full, at their discretion, at any time, with or without cause. If you do not have the cash to pay off your line they will use their "Right of Offset"

6. Our full service finance team represents all major banks and can negotiate the best terms and conditions on your behalf 
• Fixed term open loans save you money and allow you to trade sooner

Contact

Grant Miller Motors Ltd.

5013 - 60th Street
Directions Vegreville, AB T9C 1N6

  • Sales: 7806322393

Hours

  • Monday 9:00AM-6:00PM
  • Tuesday 9:00AM-6:00PM
  • Wednesday 9:00AM-6:00PM
  • Thursday 9:00AM-6:00PM
  • Friday 9:00AM-6:00PM
  • Saturday 9:00AM-4:00PM
  • Sunday Closed
; ;