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Credit rating, your financial portrait

The credit score is an instant snapshot of your borrower profile. Two companies, Equifax and TransUnion, develop and provide your credit score and report to Financial Institutions and other applicants (e.g. insurance). Note that you can view your credit score and report for free with these two companies. However, consulting your credit score by a third party, a supplier for example, requires your approval.

The degrees of a credit score

Credit score is a number between 300 and 900. Although each lender has their own criteria, in general, credit scores between 660 and 724 are considered good, 725 to 759 as very good, 760 and above as excellent. Below 660, a rating is considered low. Below 500, it can be very difficult to get a loan (but not impossible).

The importance of a good credit score

Credit score represents your risk level to a lender. The higher the risk, the more severe the loan conditions and the higher the rates. It is therefore very advantageous to try to improve your rating score. Conversely, a high credit score makes you an exceptional client and highly sought after by Financial Institutions. Automobile manufacturers even offer, for this category of borrower, subsidized rates as low as 1% to encourage the sale of certain models. Your credit score also affects your insurance premiums downward or upward, and even access to housing.

Understanding the Credit Score for a Car Loan Application

Maintain and improve simply your credit score

  • Pay your bills on time, “all the time” is the golden rule. This doesn’t just include credit cards. Late or missed payments on other accounts, such as cell phone or electricity, can negatively impact your credit score. Never skip payments, even if you want to dispute a bill. Also, remember that it can take a few days to process a payment. You must therefore pay well before the due date.
  • Keep your credit card balance below 30% of the authorized limit if you cannot pay it in full. A higher balance can impact your credit score.
  • Apply for credit moderately. For example, accepting a store card, just one more, to get a short-term discount is not a very good idea.
  • Check your credit report regularly. Request a free copy of your Equifax and TransUnion credit reports to ensure the information is accurate. Remember that consulting your files will not affect your credit scores.
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Select your vehicle, fill out the auto loan application, and instantly get your prequalification status upon completing the form.

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Most frequent questions and answers

DDC Crédit has developed a hi-tech application powered by artificial intelligence. It allows us to analyze a request and provide a response in just a few seconds. This application is directly connected with more than 20 financial institutions.

We simultaneously put several financial institutions in competition for the same car loan request in order to quickly obtain the best offer. This strategy is always beneficial for our clients.
We offer two formulas. For those familiar with financing, we offer a complete form for an immediate auto loan. For those who are not very familiar with financing, we offer a simplified form which will be completed with the assistance of a credit analyst in order to properly advise the borrower.
The vehicle fleet of our five dealerships is immense and it is rare that we do not have the vehicle our customers are looking for. In the case of a slightly special request, we are committed to finding the vehicle you are looking for very quickly.
In fact, our online application is linked to credit analysts and advisors at our five dealerships. You can also contact us by phone, Messenger and SMS. Finally, you can come to the dealership for immediate support. All useful information is at the bottom of this page.