FREQUENTLY ASKED QUESTIONS (FAQ)

Q: Can I get approved if I am currently in bankruptcy or a proposal?
A: Yes. Absolutely. We have lenders who specialize in just your situation and provide loans with competitive rates for clients who are currently in bankruptcy or a proposal.

Q: Can I get approved if I cannot prove my income, or I am self-employed?
A: Yes. Many lenders understand that some jobs such as contractors, or self-employed individuals cannot prove their income.

Q: My credit is very bad, and I have been turned down elsewhere. What can I do?
A: We have the experience to help. As long as you have the income to support a loan, we will have a way to help. We will work with you to get you approved. We want your business.

Q: How can I improve my credit?
A: A well paid car loan is a great way to improve your credit. One of our experienced finance professionals can sit with you and discuss your current situation and ways you can improve it. All at no charge and with no commitment.

Q: How does the 0% work?
A: Take the price, add the tax, divide by 60 and there is your payment! For every $10000 plus tax you spend on a vehicle you will save $1800 in interest compared to 4.99% interest. We can pre-approve you for 0%.

Q: What are your rates?
A: Our rates start at 3.99%. VinBusters.com will pre-approve you and advise you of the terms before selecting a vehicle but interest rates vary by applicant between 3.99% and 29.99%.

Q: Are there any fees or charges?
A: There is no charge and no obligation to apply. Car Loans are subject to some fees which are disclosed to you as part of the Actual Interest Rate when concluding a sale.

VinBusters, a new idea, a new experience!

We’re a new idea and a new experience in car buying. We do the work of bringing buyers and sellers together. We make it fun and easy for you to get the car of your dreams, at a payment you’ll love! We’re experts in the car industry, and we use our knowledge and resources to find you the right vehicle at the right price. Every vehicle, whatever make or model, VinBusters can find it for you at the best price. We update our information in real-time, finding the best deals right now! And, we get you the easy financing you deserve.

VinBusters,WE WORK FOR YOU!
We don’t work for any single manufacturer, WE WORK FOR YOU! People tell us they love getting a new car, but they hate the car buying experience. We believe buying a car can be Easy, Exciting and Enjoyable, at the price you like!
Our job here is to save your time and money before you start driving around and being inundated with so many cars and deals and of dealers claiming their vehicles are the best in the market! We do all the comparison shopping, show you all your options, get you the best price, and set up your test drive; all without the hassle of you going all over town. Our commitment is to give you the best car buying experience you ever had!

List your car for freeSell your car without any signup charges!

  • On the home page click on Sell my car Button.
  • Fill out your Car information forms
  • Car Title,  Make sure include the year, make and model of car
  • Car Details
  • Select Car Features Be sure to include all the features of your car
  • Add Your Car Photo Make sure to have a clear image
  • Add Video (If you don’t have the videos handy, don’t worry. You can add or edit them after you complete your ad using the “Manage Your Ad” page)
  • Enter Seller’s Notes: Be sure to include as much information as you can so the customer can get a better understanding of your car
  • Set Your Asking Price: Be sure the price you are asking is a fair price
  • Fill Out Registration Form and Submit
  • Agree with the storage of my data by this website. (Submit)

If you are Already Registered? Members Login Here

You will be redirected to your personalized homepage. (You can edit all your information here)

Easy to use!

1. Choose your city where you’d like to test drive the car
2. Choose your style of vehicle (new or used)
3. Choose your monthly or bi-weekly payment
4. Complete the contact information
Easy to use!

Looking to trade up or get rid of an older ride? There are a couple ways to do it: trade it in or sell it yourself. If speed is a factor, by all means, trade it in – just realize that a dealer needs to make a profit too and won’t give you maximum value. If you have the time, energy and motivation, selling your vehicle privately allows you to make significantly more money back on your investment.

And yes, selling it yourself is an investment. The phrase “you need to spend money to make money” definitely applies here. We’ve outlined the things you need to do (and the things you can probably skip) along with the various costs involved from cleaning, inspecting, advertising and more. Click through to see our top tips for selling your car.

Before you put your pride and joy up for sale, there are a few things to educate yourself on. First, find out from your local Ministry of Transportation what kind of documentation and charges there may be to make the transaction official. For example, in Ontario, the seller is required to buy a Used Vehicle Information Kit describing the vehicle’s official condition, along with any liens or negative ‘brands’ (i.e. totaled or unfit) before anything can be processed. Other provinces simply require the seller to sign over the ownership and take payment.

The other research should be determining how much your car is worth. Sometimes this can be a big slap in the face if you’ve already been shopping used vehicles at a dealership. However, try taking your vehicle around to several and use their offers as a minimum you can negotiate to with a private buyer.

Search Vin Busters for similar vehicles (year, make, model and mileage) to gauge what common asking prices are. You should also check out the Canadian Black Book for typical pricing – and be honest with yourself about its condition. There is no guarantee of what someone will pay, but they are good places to start.

Unless you’re handy enough to do all the work on your car, it’s worth a hundred bucks to have an expert give it a good once-over before you put it up for sale. That way your mechanic can go over all the items that need immediate attention and which ones are fine to wait on. In some cases, a vehicle inspection is part of the sales process, and you may choose to have that done ahead of time as an incentive to potential buyers. The same goes for provinces that require an air-quality exhaust emissions test. The easier you make it for someone else to just sign some papers and be driving quicker, the more likely you are to close the deal.

Depending on what the technician finds, you may wish to have these taken care of before putting it up for sale, but don’t go overboard. An easy rule of thumb would be to fix any niggling details like burnt bulbs or missing trim pieces, leaving the big items for the next owner. If your tires are completely shot, find a set of four – matching! – used tires from a reputable source. Some tread is better than none.

Photos are often vital to starting a relationship in online dating, and they’re always vital in ending your relationship with your ride in its FOR SALE ad. Photos answer questions. Does the vehicle have the rims the shoppers like? A spoiler? Is the interior clean? Is there any damage to the carpeting? Take lots of photos, with the highest-quality camera you’ve got – and never with a flip-phone from 2002. Stand back a little to include some background with the image. Get all four sides of the exterior, a few angle shots, and don’t forget details like the headlamps, wheels and tires, exhaust, badge decals, and the box, if it’s a pickup truck. Also, when uploading the photos, make sure they are right side up, rather than upside down or sideways.
On board, zoom out to get the widest possible angle, and take several wide shots, and close-ups, too. Shoppers are often interested in the stereo, the condition of the seats, and the overall cleanliness of the cabin. Take photos, close and wide, that show these attributes. Don’t forget a few photos of the engine, too. Finally, here’s a Pro Tip: photos of your ride’s interior are best taken on a cloudy day, where they won’t be affected by shadows and glare.

Before you put your pride and joy up for sale, there are a few things to educate yourself on. First, find out from your local Ministry of Transportation what kind of documentation and charges there may be to make the transaction official. For example, in Ontario, the seller is required to buy a Used Vehicle Information Kit describing the vehicle’s official condition, along with any liens or negative ‘brands’ (i.e. totaled or unfit) before anything can be processed. Other provinces simply require the seller to sign over the ownership and take payment.

The other research should be determining how much your car is worth. Sometimes this can be a big slap in the face if you’ve already been shopping used vehicles at a dealership. However, try taking your vehicle around to several and use their offers as a minimum you can negotiate to with a private buyer
Search Vin Busters for similar vehicles (year, make, model and mileage) to gauge what common asking prices are. You should also check out the Canadian Black Book for typical pricing – and be honest with yourself about its condition. There is no guarantee of what someone will pay, but they are good places to start.

Can you scan and send service records upon request? Can you do a Skype walkaround of your ride for an interested out-of-town shopper? Do you have all your service records and safety certification, as well as information packages required in some provinces? Are you available by phone to answer more detailed questions, if the shopper isn’t an email user? Can you meet a shopper at the shop of their choice for a pre-purchase inspection, if requested? All of the above can help provide prospective shoppers with answers to their questions more quickly and easily, which will help you sell your ride faster.

You want to make life easier on the shopper considering your ride – so listing the year, make, model and price, and then entering ‘call for more information’ under the description is never a good idea. You NEED to give a simple but informative description of your ride. Shoppers don’t like more work – and that’s exactly what a description-less car ad amounts to.

Check out listings of cars like yours with similar mileage, in similar condition, and in the same locale as a guide to pricing your used car. Remember: your car is not worth thousands more than someone else’s identical unit, no matter how much it means to you, and even if you’ve just waxed it and changed the windshield. Translation? Be sure to keep the pricing honest and reasonable. Set the price too high, and you and your car will likely remain friends for a long time.

In most cases, the dope-ass wheels, colored tinting, cat-back exhaust and custom fog lamps you installed to customize your ride don’t add much, if anything, to its selling price. You may find these modifications great, but they may scare most shoppers away. Remember that vehicle modification are usually a terrible investment when it comes time to sell, as they don’t typically add value, and may even reduce it. Where feasible, consider returning your ride back to stock before putting it up for sale.

Nobody wants a life story, but they do want to know the important stuff about your ride, quickly, as it’s likely not the only used car they’re considering. Be clear and upfront with your price, mileage, known issues, recent work or new parts and service history. Include any extras that you’re throwing in to sweeten the deal, like winter tires and rims, for instance. An organized point-form listing of attributes, with clear headings, can go a long way to providing quick and effective information to prospective shoppers.

Next to cats, dogs and those adorable otters at the zoo, we figure cars are among the most photographed things on the Internet. As the saying goes, a picture is worth a thousand words, and while a dozen cellphone photos of a used car may not be Pulitzer Prize material, they can be essential to helping you sell your vehicle. Here are a few tips for making your car or truck look good in an online ad with nothing but the device you carry every day.

For the record, all the photos you see here were taken with the camera in my LG G3 smartphone. I cropped them to fit Vin Busters guidelines for size and aspect ratio, but I have not altered them in any other way. The vehicles include a 2016 Mazda CX-9 and a Lexus RX, used for illustrative purposes.

And so on today, World Photo Day, we present out trips for taking good photos of your ride with a cell phone.

Shoppers want to see details in the car’s styling, which can be hidden in shadows caused by shooting toward the sun, Unless you actually have access to a studio large enough to accommodate a vehicle, you’ll probably photograph your car outdoors. Even the best smartphone cameras have a hard time dealing with the sharp contrast between sunlight and shadow, so the uniform light of a bright but overcast day is ideal.

If it’s sunny out, park the car in the shade of a tree, or in the shadow cast by a building. If you have no choice but to shoot in full sunlight, make sure the sun is behind you so that it hits the side of the car you’re photographing.
Shooting in winter can be challenging if the background is snowy because the camera will compensate for the brightness of the snow and darken the rest of the image. Some smartphone cameras allow the user to adjust exposure, and in this situation, increasing it will help. The white background will be washed out, but hey, if you were trying to taking a picture of the snow, there wouldn’t be a car in the way.

You may think your vehicle looks best from one particular angle, but you have to give shoppers more than that. At the very least, shoot the car to show its profile, front and rear three-quarter, and straight-on front and rear views.
Don’t stand too close to the car. Backing up 20 or 30 paces and shooting from there will allow you to better capture the car’s overall shape and proportions. Zoom in a bit, but be judicious: most smartphone cameras use digital zoom and overusing it can result in grainy, pixelated photos.
Use a bit of zoom, and crop photos to avoid the far-away look If you can’t zoom in enough so that the car fills the frame, that’s fine; many smartphone cameras have a built-in crop function you can use to make the photo more car and less background.

Finally, make sure your photos are in focus. The camera only needs a second or two to figure out what it’s looking at and where it needs to focus, so wait for a beat before clicking the shutter button. If you don’t have a steady hand, bring something tall to lean your elbows on while you shoot.

Just as you may have fallen for your car’s Brilliant Burnished Brown Metallic paint when you bought it new, some used-car shopper might be pining for the same shade. Here’s where you can use the direct sun to your advantage: Get up close to the car and snap a photo of the sun lighting up the paint on the hood; it’s a good surface to use as it usually has contours that reveal the more interesting details of a nifty paint shade.
Details like the CX-9’s wood trim are photo-worthy Likewise, if your car has a set of rare factory wheels, snap a close-up for the benefit of buyers seeking something unique. Do the same for anything else — inside or out – that makes the car you’re selling stand out.

Again, direct sun is almost always a disadvantage for interior photos taken with a smartphone camera, thanks to the high contrast caused by shadows. If you’re shooting on a sunny day, find a shady spot under a tree or next to a building, so the interior is lit more evenly. Use your smartphone’s flash to help light up darker spots; these typically aren’t very powerful, but they can help.

This is how you want your interior photos to look Interior details to focus on include gauges, odometer (to prove how many km are on the car), radio and air conditioning controls and, in vehicles that have them, the infotainment touchscreen. Then climb into the back seat to get a good shot of the entire dashboard, so people can see how it’s laid out.

If you feel your car is particularly clean inside, prove it: take photos of the upholstery on every seat, and if you’ve gone to great lengths to remove salt stains from the carpets, provide photographic evidence of that, too.
Avoid shooting in direct sun to eliminate high contrast that can hide details
Under the hood, hold the camera out in front of you and over the engine compartment for a top-down image. Again, if it’s clean under here, show it with close-up detail images.
In the trunk, don’t just pop the lid and snap a quickie of the cargo area. Pull up the carpet and remove the spare tire to show what kind of shape the metal underneath is in. A smart buyer will want to know water hasn’t been leaking in and pooling down there, where it can promote rust.

Keep it clean

Run the vehicle through a car wash before your photo shoot, and give the interior at least a cursory wipedown and vacuuming. And please, take all the garbage out of the car before you take interior photos. People browsing for a new car couldn’t care less which brand of takeout coffee you prefer.

Used car shoppers don’t care what you drank on your drive to work this morning

Damage report

Speaking of cosmetic and structural imperfections, it’s a rarely used car whose body is free of dents and scratches, and minor rust is common even on well-maintained older cars. A good and will mention any blemishes or damage in the written description, but the best ones will provide photos of any notable dings and rust spots in the bodywork, so potential buyers can avoid surprises.

More exposure

There are a lot of used vehicles for sale out there, and finding a buyer is even more difficult if you’re trying to sell a very common model. A well-written, detailed description helps give shoppers the information they need to make an informed purchase, but quality photos will generate more interest in your ad and can lead to a quicker sale.

Keeping a few things in mind can help maximize your investment and maintain your ride’s resale value for the long haul, ensuring your ride is worth more of your hard-earned money when it’s time to trade it in.

Here’s a look at a few tips to ensure your ride holds on to as much of its value as possible, for as long as possible.

 

Some vehicles have better resale value than others, and there are many reasons why. For that reason, our first tip is fairly obvious: if you want a ride that holds onto its resale value well, pick a ride known to hold onto its resale value. Numerous websites, publications, and industry authorities evaluate and predict resale values, announcing yearly winners and the best brands when it comes to retained value today via articles, awards, and lists. Search some of these online, look into how the vehicles listed are rated, and where feasible, shop out a ride that’s predicted to hold onto its resale value well from an authority you trust.

A little protection when your ride is new can do big things for its overall condition down the line. While your ride is brand new, consider protecting its exterior and underside with corrosion-fighting treatments, paint and finish treatments, and accessories designed to fend off the damaging effects of sand, salt, and road debris. Clear protective films can be applied to vulnerable areas, like your vehicles front hood-edge, to protect from chipping, and your dealer, or local detail shop, can wax, polish and seal your ride’s paint-job against environmental contaminants while it’s still brand new.

 

Splash-flaps, deflectors and door scuff plates all help to keep wear to a minimum in vulnerable areas. Whether from your dealer or otherwise, protective accessories and treatments that keep your ride in tip-top shape can more than pay for themselves when it comes time to sell.

Add all-weather rubber mats to fully protect your ride’s carpeting from salt and sand, and consider a set of seat covers for added protection. Door sill plates, cargo area mats and numerous other accessories are available to help keep your ride’s interior looking tip-top. A well-cared-for ride will tend to look that way to a shopper – so in much the same way you can protect your ride’s body and underside, consider protecting its interior, too.

 

 

Get a folder or envelope to store every receipt, work-order and bill for maintenance and repairs on your ride, in and out of warranty. Create a filing system, commit to it, and keep your documentation for all fluid changes, warranty and recall work, tire changes, brake jobs, tune ups and more. Offering a shopper your full service records shows a commitment to keeping your ride in good shape, and many shoppers today are keen to find a used vehicle with full servicing history available. Having service records for all work performed, no matter how minor, can make it easier to sell your ride for what it’s worth.
Resist the urge to modify your ride, if you’re so inclined. To maximize your ride’s resale value, forget installing a giant custom stereo system, custom engine or suspension parts, custom body add-ons and the like. These may suit your tastes but can make it harder to sell your ride at a good price when the time comes. Some alterations, like wheels, can be removed before you sell your ride, putting it back to stock. Further, note that modifying your ride’s wiring, lighting system or stereo can be a strike against you when it comes time to sell. Ditto a modified exhaust system, which may make it harder or even impossible for the vehicle to pass emissions testing.

Has your ride got a clunk? Is it idling poorly? Is there a check engine light on? Before putting it up for sale, make a quick visit to your mechanic to identify or fix any issues. You’re best to sell your ride in 100 percent tip-top working condition for maximum value, or at least, with an explanation of that unwanted sound or check-engine light for the seller.

How to Sell Your Old Car with Minimum Fuss and Maximum Value,
So you’ve found yourself a new car and it’s time for your beloved jalopy to move on to a new family. What now?
You can trade it in, especially if you’re in the market for a brand-new car, or you can choose to list if on VinBusters.com and sell it privately. The question, private sale or trade it in is a common one, and there are pros and cons to each.

While sometimes private sales net higher prices than trade-ins, there are a few other factors not always taken into account.

For example, a trade-in might give you a tax benefit over selling privately, as the amount of HST you pay can be calculated on the purchase price minus trade-in.

That means if you get $10,000 for your car on trade-in and buy a $40,000 car you would only pay HST on $30,000. So you’d need to get $11,300 at private sale to “equal” your trade-in Ontario (with 13% HST).
It can also be more convenient to trade your vehicle in because you can do the entire transaction in one hit, the dealer handles all the paperwork and you can simply drive in, and drive out in your new ride. For some, the concept of transacting quickly and easily is enough to sway them to trade in.
Of course, if you’re buying your car privately, a trade-in becomes less exciting, as the benefits of convenience and HST savings are negated. So if you’re buying privately, selling privately is possibly a better option.
Regardless of how you choose to send off your old ride, there are some things you’ll still need to do.

Because no two used vehicles are exactly alike it can be tricky to understand exactly what your car is worth. Especially if it’s one your family has had for a long time or one you’ve become personally attached to. But try not to take this personally. While loving your car can often mean you’ve cared for it well and helped retain a good value, the fact you named your car “Bertha” won’t impact the value.

What will impact value are things like options and color, age, mileage, condition, time of year, drivability, accident history, the condition of wear items such as tires, and general market demand/supply for the make and model you have to sell.
Having that knowledge will arm you when it comes to negotiating a sale or trade-in value with your dealer or private buyer.

If you are trading in your vehicle, make sure you take it to the dealership along with any information that can help the dealer better assess its value. This includes all of your ownership and warranty information, maintenance paperwork, Used Vehicle Information Package or any other documents that speak to your car’s history.
Getting good resale value starts from day one of ownership. Having your car properly maintained and serviced throughout its life will pay dividends at the end of your relationship. But even if your ride isn’t in A1 condition when it’s time to sell, you might be able to help.

Take a moment to go over your car and work out what can be fixed and what you can do to increase your car’s value.

Wash your car. A clean car is a sign of a well-maintained car, and it can also help you spot problems or marks you can easily repair.

Any small scratches, scuffs, and even some dents can be easily repaired for little money. Loose trim, clogged air vents and the rest can all be fixed in minutes with little more than a screwdriver.

Making sure you present your car in the best possible light will help you extract its maximum value.

So you’ve made your decision on how to sell your car, and now you want to know what you need. This is where things get complicated, and the province you’re in can affect what you need to do next.

At the very least, you will need your car’s ownership and in many places, some sort of Used-Vehicle Information Package from your local Department of Transport.