Car financing advice for Winnipeg

A private buyer usually pays more than a dealer offers. In Manitoba that gap is smaller than it looks, because a trade-in cuts the tax on your next vehicle.

Most people open with their credit score. Lenders start somewhere else. Here is the order they really work through, and what slows a file down.

Five items cover almost every application. Here is what each one proves, what to use if you do not have it, and the one thing dealers owe you at delivery.