Southgate Buick GMC | New Buick, GMC dealership in EDMONTON, AB T6E 5X9

How we do it different.

Let's begin by way of introduction. The Credit Team at Southgate is made up of Lisa Neill. With a combined 25 years experience in automotive sales and finance, you can be confident in her ability to answer your questions and provide the service you expect. It's about "people helping people". She will take the time to help you understand how credit works, guide you in the buying process and put you into a vehicle that best suits your budget and financial situation.

The following are a list of FAQ's that will allow you to make an informed decision when it comes to bad credit and getting a vehicle loan.

Q. - what is a Credit Score or Beacon Score?

A. Your "score" helps predict the likelihood that a person will become a credit risk to the lender. Beacon Scores are not a measure of your income, or your assets. It is based on the information provided on your credit file. The financial institutions base their decisions largely on your Beacon Score. They include:

Timeliness of your bill payments
Outstanding debt balances, both current and historical
Inquiries and new accounts open in the last 7 years

Q. - how can I obtain my Credit Score and Beacon Score?

A. You can obtain a copy of your Credit and Beacon Score by contacting Equifax at 1-800-465-7166. There is a service fee they will charge you to obtain your credit report. It is a good idea to pull you credit report at least once a year. This will help protect you from things such as identity theft and miss information that may be posted on your credit bureau.

Q. - How do I know where I can go for help to buy a vehicle if I have 'less than perfect' or 'bad credit'?

A. There is a growing number of automotive dealerships offering services designed for those who credit issues or are experiencing credit problems. The first thing you want to do is find a dealer with a long standing reputation (such as Southgate Buick GMC) in the community.

This will allow you to receive information, advice, suggestions and comfort - not pressure - when trying to finance a vehicle. The Credit Team at Southgate will take the time necessary in order to give you the proper information about your credit and the car loan you are trying to secure. They are here now, willing to work with you and want to be here in future as well. The Credit Team at Southgate is not just about selling you a car today but rather they are about long term relationships built on trust, understanding and support. The Credit Team at Southgate Buick GMC is are trained professionals willing to go to work for you and want to fully understand your credit situation.

That is what makes us different...attitude.