How Car Financing Should Be
Focus on your new vehicle, let us handle the rest! After completing your pre-approval, one of our financial services specialists will be in contact to answer any questions or concerns. At ReCar, we make financing easy and accessible for everyone.
Frequent Questions
Does ReCar offer financing?
Yes. We offer financing through several finance sources. Most of our customers' financing decisions are available in 5 minutes or less.
What does pre-qualification mean?
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.
Will pre-qualifying impact my 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.
For first time car buyers.
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.
Have credit concerns?
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.
Can I use a co-buyer?
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.
How to get the best terms
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.
Why have a down payment?
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.
How much do I put down?
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.
Our Lenders
From Our Customers
We had fantastic experience at Recar with Trudi and Joe. They were very friendly, thorough and made it very stress free. We were in our new car in less than 24... [more]
Thomas Conway Dealer: ReCar Saint John
Want to send a huge thank you to Jason, Lucas and Rob for the excellent, friendly service we received from start to finish! Jason was excellent to deal with, he... [more]
Jody And Jackie Hartley Dealer: ReCar Halifax
Johanna was so great to work with. She makes her customers feel like family. Her and her team went above and beyond to get us into the car we wanted. We applied... [more]
Sheena Parsons Dealer: ReCar Halifax
ReCar Saint John was amazing! With the financial hardships many people are experiencing, ReCar made it possible for us to get one of our family dream vehicles w... [more]
Jonathan Maude Dealer: ReCar Saint John
I can't say enough about the gentleman at Recar Woodstock. They were awesome the whole way through my purchase. Mark made sure I was informed every step of the... [more]
Bonnie Noel Dealer: ReCar Woodstock
I just happened to luck out with a chance meeting with Mark Ridley when I was searching for a used car online. I was looking to purchase my first car in JUST my... [more]
Ashley Sangster Dealer: ReCar Fredericton
Jason and Lucas truly took the time to hear my case and find not only a great vehicle to help me grow my small business, but a great solution to a tough situati... [more]
Mitchell Larkin Dealer: ReCar Halifax
What a great experience. Zero pressure and so easy to work with. Was greeted by Gabe...what a wonderful young man. Very friendly, eager to help and knowledgeabl... [more]
Boring Old White Guy Dealer: ReCar Moncton
Great experience from start to finish. No pressure sales and a whole team dedicated to making the process easy! They found the perfect truck for me and even got... [more]
Tg Phelan Dealer: ReCar Halifax
I had a great experience purchasing my “new to me” car at ReCar. No pressure no rush. I had my previous car assessed for trade in value at multiple places and... [more]
Kim Dealer: ReCar Saint John
We were advised by our good friends Lisa and Missy, that if we decided to look for a car, to give Re-car on Rothesay Avenue a try. So we did and they were right... [more]
Dave Stirling Dealer: ReCar Saint John
Great customer care, making sure you get what you want, and within your budget! They offer great warranty options, and you know you're getting a vehicle you don... [more]
Megan Carter Dealer: ReCar Moncton
I recently bought a GMC Terrain from Jordan at ReCar, he, and the rest of the team there, were knowledgeable, professional, and made the whole process smooth a... [more]
Ian Crook Dealer: ReCar Fredericton
Matt and Mark have been so extremely helpful and pleasant to deal with throughout the process of me getting my first ever car! They were sure to take the time a... [more]
Maddy & Kenna Dealer: ReCar Woodstock
I just recently bought my Honda Civic from re-car and had an amazing experience. Tom Wiggins was wonderful in helping find the perfect car for me and never put... [more]
Haley Neilson Dealer: ReCar Saint John
I would like to thank Jordan and his staff. An excellent experience all around. Friendly, knowledgeable and very convenient service. Vehicle was delivered... [more]
Anita Billy Dealer: ReCar Fredericton
I was referred to ReCar Moncton by my brother and sister in law who both purchased from ReCar a few years ago. I was not disappointed! Got a great deal plus a g... [more]
Aleka Phoenix Dealer: ReCar Moncton
I would like to thank Mark and Janette for putting me in the car I wanted. They were very nice and line-up of vehicles are very affordable and nice. The time th... [more]
Merle Davenport Dealer: ReCar Woodstock
Best buying experience ever. Ashley made the process of buying a car enjoyable and easy. Not only did the whole team go above and beyond to meet my budget and n... [more]
Andria Moss Dealer: ReCar Moncton
I bought the third car from Recar today. Jordan Stone was my salesperson. He is a great guy! He took the time to explain everything to me and showed me all the... [more]
Peter Mag Dealer: ReCar Fredericton
I recently purchased my car from ReCar and had a wonderful experience. I dealt with Jordan and he was kind, knowledgeable and most importantly not pushy- I nee... [more]
Eboni Court Dealer: ReCar Fredericton
I would like to thank Mark and Ryan for all the help they gave me on purchasing a new vehicle .It was a great experience dealing with them and they were very he... [more]
Terry Denny Dealer: ReCar Woodstock
A huge thank you to the ReCar team especially Steve, Rob, Brandon and Taylor. From the very start, we knew we were in the right hands. I cannot recommend this... [more]
Erica Hancock Dealer: ReCar Halifax
We had an exceptional experience at Recar in Woodstock, Mark and Jeanette were amazing towards us. We were in a very difficult situation with our previous vehic... [more]
Katlin Smith Dealer: ReCar Woodstock
Proud to be Number One
At ReCar we are proud to be one of Atlantic Canada's Number One Used Car Dealers. Proof that redefining the auto business starts with the customer's needs above all else. This is How Car Buying Should Be.
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