As 2020 is coming to a close, there are thousands of 2016 to 2018 cars in dealer lots. Dealers want them out by the end of December 2020. Due to COVID-19, vehicles come with free delivery to your home. And now, dealers are working especially hard to get rid of barely used vehicles—regardless of your credit. Because of this special program, now seems to be the best time for a car buyer.

The industry knows there’s a ton of used cars with only 29,000, 15,000, and even 10,000 kilometres. There are people who get bored with cars very quickly, and they swap them out several times a year.

Of course, if you wait for 2021, there will not be all of these barely used cars on the market. And if you’re quick, you’ll get a car with low monthly payments.

A good source of these used cars is from dealer demo or loaner programs. Being able to access this type of financing program through these dealers with these cars will not last long.

To get these nearly new cars, a special program may allow those with any credit and $0 down to get a car loan worth up to $40,000–to rebuild or improve their credit. This is a finance first program for people that are being rejected otherwise. One recent customer reported back a 565 credit score and a history of bad luck, but still receiving a pre-approval of $30,000 for his car loan.

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This program is accepting at a 97% acceptance rate over the past month and won’t last much longer

These are the two requirements: you can prove your income for the last 3 months, and it’s at least $2k monthly.

Start below and get the dealer’s special online-only finance pricing (this avoids the headache of in-person negotiating). Because dealers need to move cars – many drivers with good, bad, and no credit are getting loans if you meet these two requirements. See what you qualify for, and you may get approved for a low monthly payment auto loan.