COMMON QUESTIONS |
QUESTION: What types of used vehicles do you have?
ANSWER: At Mac James Motors we finance quality used cars,
vans and trucks that are two to ten years old. All our
used vehicles are inspected, reconditioned and backed with a warranty. |
QUESTION: What about past credit problems?
ANSWER: Mac James Motors will look to your future rather than
your past. We finance customers who have had past credit problems
and want to rebuild their credit. |
QUESTION: I've had a bankruptcy. Do I still qualify?
ANSWER: Yes. We will finance customers who are in bankruptcy
or who have been discharged. At Mac James Motors we will use
your job as your Credit. |
QUESTION: I have good credit, what can you offer me?
ANSWER: Mac James Motors has finance plans for all types of credit. We offer low interest plans for customers with good credit. |
QUESTION: I have arranged my own financing, or just want to pay cash for a vehicle. Does that change anything?
ANSWER: Mac James Motors uses the "One sticker price" policy on all our vehicles. What you see is what you pay, no pressure trying to negotiate the best cash price; we show you our best price to start. |
QUESTION: I just started my job. Can I still get a loan?
ANSWER: Yes. Although job time is a major factor we can usually
arrange a loan that will fit each customer. |
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QUESTION: How much do I need for a down payment?
ANSWER: Our minimum down payment is $500.00. Let us know what
you can afford for a down payment and we will arrange a loan
that works for you. |
QUESTION: How much are the monthly payments?
ANSWER: Most of our customer's payments are between $300 and
$450. However the more you put down the lower your payments
can be. |
QUESTION: Do you report to the credit bureau?
ANSWER: Yes. The main focus of our credit program is to help
you rebuild your credit. We report to the credit bureau each
customer's payment history on a monthly basis. |
QUESTION: Do you take trades?
ANSWER: Yes. Mac James Motors will take your used car in on trade
and use it for a portion or all of your down payment. |
QUESTION: I am on a monthly pension. Can I still be approved?
ANSWER: Yes. Pension income can be used to qualify for a loan.
As with all loans the income must be sufficient to support
a used car payment. We believe pension income is as steady as it
gets. |
QUESTION: I am a waitress and a large portion of my income
comes from tips. Can I use my tip income to qualify for a
loan?
ANSWER: Yes. Our finance company AAC will allow tip income
to be used as a portion of your total income. |
QUESTION: Why did you switch names from J.D. Byrider to Mac
James Motors and from CarNow Acceptance Company to Alberta
Auto Credit?
ANSWER: J.D. Byrider and CarNow Acceptance Company are an
American franchise system. When our franchise agreement came
up for renewal we realized we could better serve our customers
by being a wholly owned and operated Alberta company. |
AAC in conjunction with Mac James Motors has helped thousands
of customers to rebuild their credit and drive a dependable
used vehicle.
To start rebuilding your credit click to
APPLY FOR CREDIT. |
