Festival City Motors Ltd. Stratford Ontario Canada - Perth County - Used Trucks - Used Pickups - Used Diesel Pickups - Used Fords - Used Chevs - Used Dodge

Finance my Used Truck or work van


Our aim at Festival City Motors, is to provide you will the most financially feasible option to suit your personal needs, we work for you not the bank!  Some banks offer "finance specials" from time to time, we will search those out for you.  To keep your credit score protected we know the criteria required for each lender and don't send your credit application off to see which one will finance you first.  We discuss each option with you.  WE DO NOT SELL YOUR INFORMATION TO THIRD PARTIES. 

Competitive auto loan finance programs give you the choice to make an informed financial decision, keeping you in the drivers seat where you should be with your hard earned $$. 

We provide quick responses to all credit applications.  Often you will have your answer the same day!  

Talk to us today to determine whether our competitive lease-to-own program or truck loan financing is right for you. Our helpful staff has had years of experience qualifying auto buyers for truck financing and loans in Stratford and across Ontario including Woodstock, Exeter, London, Kitchener, Guelph, Orangeville, Toronto, Hamilton, Niagara, Oxford County, Perth County, Huron and Grey County.


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Truck Financing Terms and Rates

The Festival City Motors  financing program offers a variety of competitive used truck financing terms and rates, including low percent financing for customers with approved credit. We can arrange a truck loan with floating rate, or fixed rate.  Financing available for up to 96 months, for qualifying purchases.   While we regret that we cannot guarantee financing for absolutely everyone, we are able to provide bad credit and low credit as well as new credit options to many customers.

There are a number of advantages to our car financing and truck financing program:

Commercial Leasing and Lease-To-Own Programs

Festival City Motors offers competitive terms and rates for vehicle leasing including no mileage restrictions and a variety of terms. Leasing a vehicle is often the best option for our business customers as it preserves lines of credit for other aspects of your business. Here are some of the highlights of what our vehicle leasing program has to offer:

Our aim is to make leasing a hassle free, positive experience at the lowest cost. For your convenience, all costs are set out at time of signing, so you have no surprises at the end of the term.

Apply for Used Car Financing Online

Take advantage of Festival City Motors' Online Car Credit Application and get pre-approved for your truck loan or lease today! One of our representatives will contact you shortly after you complete your application to arrange details and answer any questions that you have about the financing or leasing process.


Financing Glossary of terms used:

 TERM:  Length of time you will make payments for, typically terms are 36 months, 48 months, 60 months and even 72months, 84 or 96 months.

PRINCIPAL:  The total cost of a vehicle including any fees that the bank, dealer or lender may have like admin fees, extended warranties, insurance of the loan, or other add ons you may choose.

INTEREST RATE:  The percentage the lender is charging for using their money.  These rates will vary depending on the Bank of Canada rate, your previous history of debt repayment.  



What is required by you?  


Employment:  Typically you need to be employed for minimum 3 months with previous employment

Drivers License:  You will need picture Identification, driver's license (why would you need a vehicle if you didn't have a drivers license)  

Bank Account:  Monthly payments will be automatically withdrawn.

Down Payment:  Not always required, but shows the lender good faith that you have interest in repayment of the debt.