Used Cars Kitchener Waterloo Area Buying Guide

Buying a car in Kitchener Waterloo

Your new car loses value the moment you drive it off the car lot. In fact, the minute you sign the paperwork, your vehicle depreciates in value. Lightly used late model vehicles have already taken the large turn of deprecation shorty after your purchase, if you are ok with buying a vehicle with a small amount of mileage on it, you can still benefit from the incentives of the manufacturer's warranty. These used car warranties are transferred over to the new owner for the rest of the period provided by the manufacturer. 

Also bear in mind that most franchise dealers add products/taxes that customers must pay when buying a brand new car. These type of fees, products, and taxes don't apply to pre-owned vehicles.  

Why should I buy a Certified Pre-Owned Vehicle?

The answer is simple: peace of mind and security. 

Our dealership offers a multi-point inspection and a reconditioning process in which a hundred or more mechanical, appearance and safety items are inspected. It also repairs or replaces any deficient part to give the vehicle a clean bill of health with only premium replacements.

You will also be given a CarProof Report, which documents the history of the vehicle including insurance and ownership records. These programs provide many benefits to car buyers, including peace of mind knowing that the vehicle comes with many protections and usually problem-free for many years.

Why the way a dealer structure a deal is important and how it saves you money

Car Dealers in Kitchener Waterloo may dictate your interest rate and take advantage of any promotions that a lender may have on going which benefits your monthly payments.
Also, there are scenarios where you may have a trade-in and the financing is more complicated to structure. These factors play a critical part in how your financing options are developed.
Finally, price transparency and honesty are very important as you don't want unexpected fees, disappointments or cost differences added to your purchase at some point in the process.  

What do I need to get a credit approval?

You can get pre-approved for an auto loan the same day you apply. You just need to do our credit application and fill it out in full in order to ensure accuracy of information. 

Every particular lender has different qualifying criteria based on your personal application, but our registered finance specialists review the information to ensure you are getting the best possible deal. Some lenders might require proof of income based on your employment, along with a valid driver's licence. We work hard to make the process as smooth and pain free as possible for all our customers. 

Does zero percent financing really exist on many brand-new cars?

Seriously??? Nobody in their right mind would lend you money for free. Think about it - most zero percent and zero down car loans incentives have the cost of borrowing already included into the price! So, NO, it is a gimmick.

Is it really possible to get a loan with a less than ideal credit score?

It is definitely possible to get a loan whether you have bad, or no credit. Income plays an important role allowing us to pre-qualify you with no obligation. This only allows you to know exactly where you stand in the initial process. This online car loan pre-approval allows our customers to determine very quickly if this is the right decision for them and their budget.
How a car loan can help to improve my credit score?

Garston Motors only uses reputable auto lenders that report to your credit bureau. These payments are non-revolving meaning they are a fixed dollar amount paid each month determining your capabilities of paying on time and seriously influencing your credit rating over time.
Nowadays credit is checked before you buy real estate or take small loans. That reason alone makes it so crucial to understand. 

Most people believe that waiting will qualify them for a lower interest rate, however unless you take certain steps towards establishing credit, waiting won't change anything. The sooner you start on the road to recovery, the sooner you will reap the benefits of a higher credit score and lower interest rates.

Contact Us

Garston Motors

408 Witmer Street
Directions Cambridge, ON N3H 0A3

  • Sales: (519) 653-1212


  • Monday 10am-8pm
  • Tuesday 10am-8pm
  • Wednesday 10am-8pm
  • Thursday 10am-8pm
  • Friday 10am-7pm
  • Saturday 10am-5pm
  • Sunday Closed