It’s a new year and that means everyone is setting out to tackle their New Year’s resolutions, and hopefully they will be successful! Some may want to lose weight, others want to quit smoking, but their resolutions are almost always something that will improve their lives. Many people (myself included) get stuck attempting the same resolutions over and over, so why not try something different? 

How about a resolution to improve your credit score? Having a low credit score can be costly over time, so why not change that? Sure, you could open some small-balance credit cards, or you could try using a self-reporting, secured card like Chime’s credit builder or Discover’s IT card. This process certainly works, but it’s a long and slow process. These options, however, carry little weight for those who are seeking to outright borrow money from a lender, not just use up revolving debt. 

A lot of people (again, myself included) start off strong when they’re younger and do well with their credit. As you get older though, life almost always gets in the way. Whether it was an impulsive purchase, or kids came into the picture, or a medical emergency, there are tons of reasons why your credit may not look so hot. Whether your credit is suffering from poor spending habits, from taking care of kids, or from other unforeseen circumstances, you’re still able to improve it and it’s not as hard as you think!

Getting a secured installment loan, like an auto loan, is a GREAT way to improve your credit. If you ever need anything in the future, other lenders can look and see how well you did or how well you are doing with your auto loan, and are likely to lend you more money in the future. 

Back when my credit was suffering I had someone suggest to me that I get an auto loan, make my payments on time, and watch my credit score go up. So I listened, and I was shocked at how easy it was. I kept balances on my credit cards low (ideally below 30%) and I made sure to pay that auto loan on time EVERY SINGLE MONTH. 

With my credit being in bad shape the auto finance company gave me a pretty high interest rate, but you have to start somewhere! And as my credit improved I was able to refinance that high-interest loan and get a much lower interest rate on the same car!

Now, you might be thinking “My credit is so bad, how on Earth am I going to actually get approved for an auto loan?” At Maple Leaf Motors we’ve got unique relationships with multiple secondary lenders, the same types of lenders that helped me rebuild my credit, and we are much more likely to get an approval for you than just about any other dealership in the area. We have been able to get approvals for people with past repo’s, for people whose credit score is in the 400’s, and even for people who just started a new job and haven’t even received their first paycheck yet.

Improving your credit can be a daunting task, and it can sometimes even seem outright impossible, but I’m here to help. I have been in the same exact spot that you’re in right now. My personal experiences, my work experiences, and my relationship with local secondary lenders means I am more than qualified to help you improve your credit. Let’s rebuild your credit together so that in the future you can apply for financing and be confident that an approval is just right around the corner. 

You can submit an application online at or you can call me personally at 253-846-5955. Let’s make 2022 the year that you finally improve your credit!