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A couple of factors usually determine whether your application for a car loan will be approved or not. Does your credit matter? Many different circumstances can affect one’s financial situation, and in most cases, this usually affects the ease of one getting car loans. Consumers have a variety of options when it comes to car loans. As an individual, it is in your best interest that you do thorough research about these financing options and determine what suits you best. For people with credit, getting Canada car loans is usually less of a hassle, and you will be thrilled to know that there are so many companies out there that are willing to extend the loans to you. For this reason, it is essential you know that your credit does matter and sometimes, having a bad credit might work to your disadvantage. You can still take full advantage of bad credit auto loans even though this might come with relatively high-interest rates.