Mon - Fri 8:30am - 6:00pm
Sat 9:00am - 5:00pm
Sun closed
Mon - Fri 8:00am - 5:00pm
Sat 9:00am - 12:00pm
Sun closed
Mon - Fri 8:00am - 5:00pm
Sat - Sun closed
Mon - Fri 8:30am - 5:30pm
Sat - Sun closed

Finance Application

Finance Form

Contact Information

Address Information

Privacy Statement

Introduction
As a valued customer, we want to ensure that your private information is kept private and only shared with those companies that are authorized by yourself or that are allowed or required by law. This document explains our privacy policy, gives you reasons why we ask for the type of information we do, and if we do reserve a right to share information with non-affiliated third parties, lets you "opt-out" of our reservation to do so. Please take a moment to read this entire policy.

Collection of Information
The purchase of a motor vehicle requires considerable accumulation of non-public personal information. For example, if we sell or lease you a vehicle—extending credit to you at your request—we will receive information from you in order to determine your creditworthiness. We may also obtain information from a credit reporting agency. We may also obtain information from third parties such as employers, references and insurance companies.

Some of the information we obtain from you may be required by provincial or federal agencies, such as the Department of Motor Vehicles or the Canada Revenue Agency. This information may be required even if you were to pay cash for your vehicle. Examples would be a driver's license or social security number.

Protecting Your Information
We safeguard nonpublic personal information according to established industry standards and procedures. We maintain physical and electronic safeguards that comply with provincial and federal law. We restrict access to non-public personal information about you to those employees and outside contractors who need to know the information to provide goods or services to you. We prohibit our employees and agents from giving information about you to anyone in a manner that would violate any applicable law or our privacy policy.

Information Sharing
Unless we have indicated our desire to share your non-public personal information with non-affiliated third parties (by checking the box in the section below), we share information:

A) For everyday business purposes, such as to process transactions, maintain account(s), to respond to court orders and legal investigations, or to report to credit bureaus.

B) For the purposes of processing a sale or lease transaction at your request or authorization, such as submitting information to third party financial institutions that may be requested to take an assignment of the contract, or verifying insurance coverage information.

C) When using outside service providers to help us provide you with products and services. Before providing information to our service providers, we enter into contractual agreements prohibiting them from disclosing or using the information other than for the purpose for which it was disclosed.

D) With "Affiliated" companies. Companies that are affiliated with us include any company that controls us, any company that we control, or any company under common control with us.
I am interested in purchasing or leasing a vehicle and request that my Consumer Credit Report be obtained, at no cost to me, in order to help determine the types and extent of financing which may be available to me.

Enter Your Initials In The Box Below

Your privacy is important to us.

D&D Vehicle Sales Inc takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.

Welcome to Our Financing Department

Welcome to D&D Vehicle Sales Finance Department, your auto loan and car lease resource. We are authorized representatives for a variety of Financial institutions and do millions of dollars in vehicle loans every year. Having strong relationships with banks and financial institutions we can work for YOU to get the best rate possible and save you money.

Finance FAQ

Q. What's the difference between the dealership financing me and my own bank?

A. At D&D Sales, we work with different banks who offer different specials at different times of the year. We monitor these deals closely and pass them on to you. We also do millions of dollars in business with these lenders and can often offer a more competitive rate.


Q. What is your best financing rate?

A. Rates are changing all the time and we always try to get you the best rate because we want to gain your business. According to Stats Canada, the average rate for interest on a used vehicle loan in Alberta in 2011 was 6.99%. In the past year we have seen rates from 4.99% - 7.99% prime loans.

Q. I currently have a line of credit (LOC) with my bank at a lower rate than you offer, can I use that to purchase my vehicle?

A. Quick answer, Yes! Its your money, you can do anything you want with it. The long answer, Banks encourage LOC's because they know that 93% of people will never pay them off completely. "Stats Canada." Banks also generate more interest revenues on a LOC than a fixed auto even though rates appear to be more appealing. In the majority of cases, the amount of interest paid will more than double that of a fixed loan. LOC's are revolving credit, like a credit card and have some limiting effects on your credit score if balances become to high and may make it difficult to qualify for other financing. Fixed loans only use the vehicle as security as opposed to your home or other assets you may have when using a LOC.


Q. Is it better to use my cash in my bank account or finance the vehicle through a bank?

You can usually make more interest money in your savings or investments then what you would pay out in interest on a vehicle loan. Also, If you currently hold a mortgage with a lender, you will save thousands of dollars in interest by putting that cash towards paying down your mortgage.

All types of credit, from good to bad, can qualify for an auto loan. No credit, no problem! We will work with you to secure a no credit car loan if your situation demands it. D&D Vehicle Sales Inc has strong relationships and is committed to finding you the perfect car loan company to suit your car finance needs.