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14444 - ST ALBERT TRAIL 1-780-477-7722 1-877-232-2886 |
9111 - 34 A AVE 1-780-439-2277 1-888-508-8665 |
136 - 37400 Hwy 2 South 1-403-309-3233 1-877-232-2886 |
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9 am - 6 pm Mon - Fri
9 am - 5 pm Saturday
Online Credit Application
* Approval Within Two Hours *
Existing Customers
COMMON QUESTIONS |
QUESTION: What types of used vehicles do you have? ANSWER: At Mac James Motors we finance quality used cars, vans and trucks priced between $9,000 to $12,000. 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 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. |
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. |
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