Everyone wants to make the smartest decision about their next auto purchase, typically involving hours of researching makes and models, figuring out your budget, combing current car loan rates, and reading reviews. After all this, you're eager to put the wheels in motion and get on the road in your new vehicle! But you're still looking at a few hours in the dealership combing over the particulars, signing your way through a stack of contracts, negotiating terms. That is if you're still purchasing your next vehicle the old way, on a lot. We think it's time for a level-up. Avoid dealership frills and fees, save yourself a few hours and start with FFUN Cars!
Not only can you complete the entire process from the comfort of your couch, but you can get started with qualified terms before you even start looking at our vehicles! You read that right; we got a super-cool approval tech thing that takes only two minutes, makes a soft inquiry, and won't impact your credit score. Whether you buy a car from FFUN Cars or not, this tool is available anytime, anywhere. No more skimming over last-minute contracts trying to get the deal done, no more buyer's remorse. We're so confident in our process that we'll even give you 30-days post-purchase to change your mind!
Multiple Lenders and Your Information
Did you know that when you apply for financing with those other guys, you know, the traditional dealerships that waste your time, your information is sent to multiple lenders hoping to get the best' bid' on your financing package? This is why you visit one car dealership and end up with multiple inquiries on your credit. Visit three dealerships, and this bidding process will likely become visible to credit bureaus as though you are seeking credit and yet unable to establish a line of credit, which will begin to lessen overall confidence in lending to you. You might see your interest rate rise, which will only increase your monthly payment when buying a car. UGH, what a pain, and there's absolutely no reason any dealership should be able to impact your credit history like that.
This whole process feels pressure-packed AF! Especially once you've already spent hours on the lot, given all your information, and all the salespeople make it seem like the cars are flying off the lot, and if you dare leave, you will lose the deal of a lifetime. These may seem like sticky sales tactics, but they do have some merit. Primarily, car salespeople know that having multiple hard inquiries on your credit report is detrimental, and you should know it too. Once one dealership has auctioned off your information for a profitable auto loan, it is not in your best interest to have multiple car dealers do the same. And dealer inventory is available first-come, first-serve. If you walk away from the deal, there is always the chance that you won't get approved at the same rate at the second dealership and that your original car has already been sold from the first dealer.
FFUN Cars Ain't Shady
This is where you turn to FFUN Cars! Like, right now! We work closely with you to understand your financial picture as it stands today so we can get you going with a loan application for your next car. We'll work through one institution at a time to find interest rates that are favourable to you. Better yet! Our one-of-a-kind qualifying tool allows you to see what kind of interest rate you might qualify for without a hard credit inquiry. It's a no-hassle situation, so you might actually enjoy shopping for a used car, risk-free.
Since FFUN Cars opened, we have learned a lot about what Canadian car buyers expect during their car buying process, and one of the toughest challenges has been coming up against consumers' learned behaviour from having dealt with dealerships in the past. Many borrowers in Canada have felt scammed or tricked into finance terms that don't make sense as the car depreciates and the amount you owe only seems to go up. Ideally, the amount remaining to be paid out and the value of the car would decline simultaneously.
We #Care
We care about you and your financial situation; that's why we don't do hard credit checks to get you qualified. We want you to be sure you've found a vehicle that works for you and then take care of the financing side, including looking at your payment history and credit card balances.
Whether you buy a new car from a traditional dealership or try car buying through us, we want you to feel excited about your new car. It's all about you. Shop online or in-person, never talk to anyone (unless you want to), complete the entire transaction from your computer or smartphone, or in-store and enjoy a 30-day money-back guarantee. Truthfully, you can go the traditional dealership route; we're just not sure why you would. Try something new and buy your vehicle and get financing 100% online, too. Only at FFUN Cars, where it’s Fast, First, and FFUN.
