Newest Used Car Inventory

No Credit Car Financing

Since 1994, Mac James Motors has been providing no credit car loans in Edmonton & area. Even with no credit, you can still choose the car, truck or minivan of your choice. Having no credit shouldn't stop you from owing a dependable used vehicle. When a finance company turns you down because you have no credit, it's just another example of a lender who only looks at you as a number, not a person. We all know it's harder to get approved if you have a low credit score, but just because you haven't had credit shouldn't be the reason you're turned down. At Mac James Motors we treat you like a person, not a number. Having no credit doesn't mean you're a bad credit risk.

No Credit vs Bad Credit

Trying to get a "no credit" auto loan in Edmonton can be difficult. Regardless of your situation, you can be lumped into the same category as someone who has bad credit. Your only mistake was not to make one; how fair is that? Mac James Motors will do the exact opposite, we love working with new "no credit" customers, as they have a clean slate. We can help you change your "no credit" rating by establishing some good credit history with a loan designed to fit your budget. A "no credit" car loan that meets your budget requirements makes it a lot easier to make your monthly payments. A "no credit car financing loan" will help you establish a good credit score.

Customers With no Credit

Mac James Motors has developed a program designed to help customers who have no credit build and establish credit as quickly as possible. We are the ones who approve the "no credit auto loans" via our Edmonton based auto finance company, Alberta Auto Credit. We provide our no credit car loans "in-house", meaning we don’t need to shop your application to other outside lenders; you deal with one person from start to finish. We start with our own internal credit rating system that puts the emphasis on your current situation and future potential. We then factor in 12 key areas relating to your job, income and residence that allow us to make an informed decision. Finally we'll report your good payment history on a monthly basis to the credit bureaus in Canada. Having good credit reported to the credit bureaus is the quickest way to establish your good credit rating.

First Time Car Buyer

Buying a car for the first time can be a very difficult and confusing experience, or it can be exciting and satisfying; it all depends on who you deal with. Most first time car buyers have no credit, making the task even harder. Mac James Motors knows you may have had difficulty getting a car loan with no credit history, however our highly trained and experienced staff will treat you fairly and without pressure. Most of our first time car buyers comment on how little pressure they felt and on how easy it was to get approved. Our goal at Mac James Motors is to treat all our customers equally, regardless of their credit situation.

Credit in Spouses Name

Many of our customers have made payments on auto loans, but have no credit score; this is because the loan was put in their spouse's name. When they go to apply for a loan on their own they're treated like they're 18 years old and just out of high school; this isn't a good situation if you're trying to be approved for a car loan. Mac James Motors has approved thousands of customer with no credit who have recently been divorced or separated from their spouse.

We can Approve You for Financing

Sometimes having no credit can be more frustrating than having bad credit. You've not made any mistakes, yet no one will give you chance with an auto loan. Mac James Motors has a program for customers with no credit history. We're able to approve first time buyers, customers recently divorced whose credit was all in their spouses name, or somebody who's never had credit. If you're in one of these situations, we can help you get approved for a no credit car finance loan so you can buy a car, truck or mimivan.

Build a Credit History with Your Car Loan

We'll report your payment history on a monthly basis to the credit bureau and this will help you establish a good credit rating. We have a great selection of used cars, minivans, and trucks that you can view at our online inventory page.

To qualify for our used car loan financing we will use your job as your credit.

No credit car loan financing is easy at Mac James Motors. Complete our secure used car online credit application and we can have you approved for an auto auto within two hours.