Newest Used Car Inventory

Good Credit Financing

Mac James Motors is Alberta’s used car dealership leader for good or great credit financing. We've been in business helping people with used car loans since 1994. We specialize in providing dependable used cars and affordable payments. We help our customers choose a car, SUV, minivan, or truck that meets their needs and fits within their budget.

Customers with excellent credit can expect to receive the most competitive interest rates and loans terms available for used vehicles.

At our Edmonton and Red Deer locations you’ll find a large selection of quality reconditioned used cars, trucks, SUVs. and minivans, ready for immediate delivery. Vehicles range from small economy cars to luxury models, minivans, SUVs, and trucks. One of the reasons we’ve been so successful at helping people with great credit is the quality of our vehicles. All our vehicles go through a complete car care inspection and are backed by a written warranty.

In today’s world of bank failures, government bailouts, and the subprime mortgage meltdown, many used car dealerships have either cut back on car loan financing or discontinued lending altogether. All over Alberta, people are being turned down for credit, even if they've had no problem obtaining used car loans in the past, in many cases even if they have a good or even great credit rating.

Mac James Motors financing plans are offered by our exclusive lender, Alberta Auto Credit
Approvals are fast, easy, and your credit does not get shopped all around town.

We offer flexible payment plans, with you the consumer in mind, not what some finance officer wants. Short terms are our specialty. We offer terms from 12 to 48 months with no penalties for early payouts. We want you to own a car, not a car payment.

You can pay weekly, biweekly, semimonthly, or monthly, your choice. We also offer online payments through our secure website.

Great Credit

If you have great or excellent credit, then Mac James Motors is for you. We offer the most competitive financing plans on used vehicles in Alberta. We specialize in short term financing on affordable used cars, trucks, SUVs, and minivans. While other dealers are pushing terms of 60 months, 72 months, or higher, Mac James' loans range from 12 to 48 months. The shorter the term the less interest you pay

We offer flexible repayment options; weekly, biweekly, semimonthly, or monthly repayment plans are available. You can choose how you want to pay us: pre authorized bank withdrawal, postdated cheque, online on our secure website, or in person at one of our three locations in Alberta.

Mac James Motors deals exclusively with Alberta Auto Credit for all our financing. This way we can ensure your information is kept private, no shopping your credit around to every lender in town. We are able to offer fast, no hassle approvals. You can drive off the lot the very same day.

We know customers with great credit have many options when it comes to purchasing a used car, truck, or SUV. Whether you want to use your existing line of credit, or get a loan from your bank, Mac James Motors can often match or beat your best finance offer. And if you finance with us, you keep your available credit options open for other important purchases.

With our great selection of vehicles, outstanding customer service, and flexible financing plans, Mac James Motors is hard to beat.

Okay Credit

Mac James Motors offers affordable financing terms for customers with average, slow, or just Okay credit. It seems everyone has experienced it at least once; being turned down because your credit just wasn’t good enough. It can be called all sorts of terms: slow, new, average, ok; but the bottom line is you were turned down.

Mac James Motors financing plans are able to you get approved with okay, slow, or average credit, and at very competitive rates. Our exclusive lender, Alberta Auto Credit, has the flexibility to offer financing to customers with okay credit.

With a large selection of fully inspected and reconditioned cars, SUVs, trucks, and minivans; finding your new vehicle and getting approved is no problem at Mac James Motors. We have had thousands of satisfied customers since we opened in 1994. Read our customer’s testimonials, and you will see why we have a strong repeat business, with some customers buying four or five cars from us.

Mac James Motors is Alberta’s used car dealership leader for good and great credit financing. We've been in business helping people with used car loans since 1994. We specialize in providing dependable used cars and affordable payments. We help our customers choose a car, SUV, minivan, or truck that meets their needs and fits within their budget.

Customers with excellent credit can expect to receive the most competitive interest rates
and loan terms available for used vehicles
Complete our secure online credit application
and we can have you approved for an auto loan within two hours

Edmonton and Red Deer Locations

At our Edmonton and Red Deer locations you’ll find a large selection of quality reconditioned used cars, trucks, SUV’s and minivans, ready for immediate delivery. One of the reasons we’ve been so successful at helping people with great credit is the quality of our vehicles. All our vehicles go through a complete 163 point car care inspection and are backed by a written warranty.

You can view all our used cars, minivans and trucks on
our online used car inventory page

Short Loan terms

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