Every question, one page

We are a car buying and financing service for Ottawa-Gatineau and Atlantic Canada. You apply once with us, we secure the financing your situation qualifies for, and we put you in a car from our inventory, delivered anywhere we serve.

No. Applying is free and there is no obligation to buy.

No. The form does not pull your credit. A credit check happens only after we have spoken with you and with your consent.

Ottawa, Kanata, Orleans, Barrhaven, Nepean, Gloucester, Stittsville, Gatineau, Hull, Aylmer, Halifax, Dartmouth, Sydney, Truro, Moncton, Saint John, Fredericton, Charlottetown, Summerside, St. John's, Mount Pearl, and Corner Brook.

Yes. The whole site and the application are available in French and English.

Once there is an approval, you work with a partner dealership in the Ottawa-Gatineau region and across Atlantic Canada that fits your situation. We are not a dealership ourselves; the partner dealer handles the vehicle and the paperwork.

Some partner dealers can offer an extended warranty and, where permitted, GAP insurance at delivery. Both are optional, sold by the dealer or its provider, and never required to get approved through us. See our guide to extended warranties and GAP insurance for how each works in your province.

Yes. Buyers with scores in the 400s and 500s get approved with us every week. Approval depends more on steady income and a payment that fits your month than on the score itself.

Submitting our form does not pull your credit. A credit check happens only after we have spoken with you and with your consent, and auto-loan inquiries made for the same purpose within a short window are typically treated as one by the bureaus.

Not always. A down payment lowers the amount financed and often improves the rate, but zero down is approved regularly for buyers with steady income.

Most lenders want to see a steady, provable income, often around 1,800 dollars a month before tax or more. Employment, self-employment, pension, and disability income can all count when they are regular and documented.

Most buyers see meaningful movement within twelve months of on-time payments, because an instalment loan reported every month is one of the strongest signals a file can carry. Many refinance to a lower rate after about eighteen months.

Yes. No history is a blank file, not a bad one, and several lenders we work with run programs for first-time buyers. With steady income, a few months at work, and a Canadian bank account, buyers with no credit history get approved with us every week.

Because there was nothing to read. A branch relies on an automated score, and with no file the model returns nothing. That is not a judgement on you. Lenders that handle first-time files read income, time at work, and banking instead, and approve on those.

Not usually. A co-signer with an established file can improve the rate and widen the vehicle choice, but buyers with steady income are approved on their own regularly. Apply first; we tell you if a co-signer would change the answer.

You do not have to. Waiting a year on a secured card is the slow road. A car loan starts your file on the first reported payment, and opening a secured card alongside it builds the history faster than either one alone.

Submitting our form does not pull your credit. A check happens only after we have spoken with you and with your consent, and auto-loan inquiries made for the same purpose within a short window are typically treated as one by the bureaus. The history itself starts building once the loan is reported.

Yes. Lenders with newcomer programs treat no history differently from bad history. With proof of income, proof of address, and proof of status, newcomers are approved with us every week, often within their first months in the country.

Not usually. A year or more remaining on your status opens the most doors, and permanent residents have no such limit. Shorter status can still be placed, typically with a shorter term, a larger down payment, or a co-borrower.

Yes, when your status has time left and there is real income or a co-borrower with income. The vehicle is modest and the term is sized to the time remaining.

Not to apply. The loan can move on the licence from your home country, but the car cannot be insured or registered in your name until you hold a provincial licence. Start the exchange the day you apply and tell us where you are in it.

Sometimes. A few lenders accept an international credit report and give it some weight; none require one. Your Canadian file starts at zero regardless, and the car loan itself is what builds it. Bring the report if you have it; do not delay applying to get one.

As soon as the discharge certificate is issued, with some lenders. Others want six or twelve months of new on-time history first. Send us your discharge date and we take the file only to lenders whose timeline matches yours.

Sometimes. Most lenders will want a short written confirmation from your Licensed Insolvency Trustee that the new payment fits the budget the trustee has set, plus a modest vehicle and usually a down payment. A few lenders work these files. Tell us on the form that the bankruptcy is undischarged so we plan for it.

A first bankruptcy stays on an Equifax report for about six years after discharge. TransUnion is similar, and the period varies by province. Its weight fades much sooner than that once new accounts report on time every month.

Above prime, and well below the territory the ads warn about. Right after discharge it sits nearer the top of the rebuilding range and moves down as clean history builds. Many buyers refinance lower after twelve to eighteen months of on-time payments.

No. Lenders that specialize in rebuilding credit expect to see one. What they weigh is your income, your time at your job, and whether the new payment fits your month. The old debts are gone, which makes that math cleaner than it is on many files.

Yes, in many cases. The proposal payments need to be current, and some lenders ask for a short written acknowledgement from your trustee that the car payment fits your budget. Tell us the proposal is active when you apply so the file goes to lenders that approve this stage.

The proposal does not usually stop you from taking on new credit, but many lenders want the trustee to confirm the payment fits your budget before they fund. Ask for that confirmation with a specific payment amount in hand. Trustees handle this request all the time.

Typically three years after you complete it or six years after you filed, whichever comes first, on the Equifax report, with TransUnion on a similar schedule. Lenders that specialize in rebuilding files expect to see it there and weigh your income and recent payment history instead.

Often better. A completed proposal comes with years of on-time payments attached, and some lenders read that track record more favourably than a fresh discharge. Both are financed regularly; the difference shows up in the tier and the vehicle budget rather than in the yes or no.

You can, and it often helps. Early completion puts the certificate of full performance in your hands, starts the credit report clock sooner, and removes the proposal payment from the lender's monthly math. If paying it off would empty your savings, apply as you are; active proposals are approved too.

Yes. People with a repossession or a voluntary surrender on file get approved with us every week. The answer depends mostly on what happened to the deficiency balance, how long ago it was, your income today, and whether you can put something down.

Both report in a similar way and both stay on file about six years. A surrender usually leaves a smaller shortfall because the vehicle sells for more, and some lenders weigh it a little more kindly. What matters most is how the balance was handled afterward.

Not always, but it has to be addressed. Paid, on a payment plan, or included in a proposal or bankruptcy all read as handled. An open balance nobody has touched is the most common reason for a decline, and a plan or a settlement changes that quickly.

About six years from the date it was reported, at both Equifax and TransUnion. Its weight fades well before that. Most files are workable after twelve months of clean payments on everything else, and some sooner with a down payment.

It helps more here than in almost any other situation. It lowers the amount financed and shows the lender the file has moved on. Some lenders approve without one when the deficiency is handled and income is steady, but a down payment is the single thing most likely to bring an approval forward.

Yes. Buyers with one or more collections on file get approved with us every week. Small, old or paid collections barely affect the decision. A large open one gets asked about, and some lenders want it paid or settled before funding, which can often be handled from the loan itself.

No. Apply first. We look at the report with you and tell you which lines, if any, a lender will want closed. Many approvals go through with collections still open, and when one has to be settled it is usually done at the desk from the loan proceeds.

A collection is an account sold or assigned to an agency. A write-off, also called a charge-off, is an account the original creditor closed as a loss. A written-off account can still be collected and can later appear as a collection. Lenders treat them as one event, not two.

No. It typically stays about six years from the date of last activity, paid or not. Paying changes the status from open to paid, which is what most lenders want to see. If the line is not yours or the amount is wrong, you can dispute it with Equifax and TransUnion.

It does not close the door, but it is the collection lenders ask about most. Expect a question about what happened and how it ended. A settled balance, a steady job since, and a down payment turn that file into one that gets approved regularly.

No. The decision itself is never reported. Equifax and TransUnion see only the inquiry the lender made when it pulled your file. An inquiry carries a small weight and fades within a year or two. Nobody reading your file later can tell whether that application was approved or declined.

Right away. Auto-loan inquiries made for the same purpose within a short window are typically grouped as one by the bureaus, so applying with us this week after a decline last week is not a second hit. The file does not need to rest. It needs a different lender.

Because each lender runs its own model with its own cut-offs. A bank scores the file and stops. Lenders that specialize in new jobs, thin files, or a recent late payment weigh income and stability first. The same file passes a different grid without anything about it changing.

Not to submit the form. We speak with you first, read the reason you were declined, and pull your credit only with your consent once we know which lenders to present the file to. One pull covers every lender we work with, instead of one pull per dealership.

No. That was one lender's condition on one vehicle. A different lender, a smaller amount financed, or a different term often approves the same file with less down. Tell us the figure they asked for and what you have, and we work from there.

Often, yes. Most lenders we work with can build a self-employed file on three to six months of bank statements showing steady deposits. A recent Notice of Assessment opens more doors, but a file without one gets approved with us regularly when the deposits are consistent.

Most lenders like to see the business running for a year or more, but a shorter history works when the deposits are steady and the vehicle is modest. If you moved from a job to self-employment in the same trade, tell us. That continuity counts with several lenders.

Yes. Export the earnings summary from the driver dashboard and match it to your bank deposits. Lenders average the weekly payouts over the statement period, so a few months of consistent driving reads as a steady income even without a pay stub.

Deposit all of it, starting now. A lender can only count income it can see on a statement. Even a few weeks of clean deposits helps, and three months is usually enough to build a file. If you also have a day job, the pay stub covers the base while the deposits catch up.

Yes. A truck or van you use for work is financed the same way as any other used vehicle. The loan is personal and in your name. Whether you deduct part of the cost is a conversation with your accountant, and it does not change the approval.

Yes. CPP-D and QPP disability pensions are counted as long-term income by the lenders we work with, because the benefit continues unless your situation changes. Bring the award letter and bank statements showing the deposits, and the income side of the file is done.

It is the hardest income to finance on its own. Some lenders will not count it as the sole income; others will with a co-borrower, a down payment, or a modest vehicle. We tell you which lenders will look at your file before any credit check, so you know where you stand.

No. There is no maximum age for a car loan in Canada, and lenders regularly approve buyers in their seventies and eighties on pension income. The term is sized so the payment stays comfortable rather than stretched to the longest option available.

Many lenders count it as part of household income while the children are under 18, usually alongside another income source. Bring the CRA notice and bank statements showing the deposits. Child or spousal support counts too, with the agreement and matching deposits.

Not usually. A pension or a disability benefit at a steady amount is approved on its own every week. A co-borrower helps when the income is small next to the rent, when the only income is social assistance, or when you want the rate a step lower.

Yes. Lenders ask about marital status because it shapes the household budget, not because they need a decree. Separated is a normal answer. What matters is a clear picture of your income, your rent and your obligations today, and the agreement if one exists.

With many lenders, yes, when it is set out in a separation agreement or court order and shows up as regular deposits in your bank account. Spousal support is treated the same way. Bring the agreement and a few months of statements. Support you pay counts as an obligation.

Because the agreement binds the two of you, not the lender. A joint account stays in both names until it is closed, paid out or refinanced by one person. Ask the lender about removing your name, and keep a copy of the agreement so a late payment there can be explained.

Usually not on its own. Lenders that approve rebuilding files weigh the last twelve months and the accounts in your name most heavily. A late payment on a shared account, with an agreement showing who was responsible, is read for what it is. Steady income since the separation carries more weight.

Not always. If a settlement or a share of a home sale is coming, putting part of it down lowers the amount financed and often improves the rate. If there is nothing to put down, apply anyway. Zero down is approved regularly for buyers with steady income.

Yes. Lenders treat no history differently from a bad history. With a job that shows steady pay stubs, a Canadian bank account, and a modest vehicle, first-time buyers under 25 are approved with us every week, with or without a co-signer.

Not always. Many first loans are approved on the buyer's own income. When the file is very thin, a parent or relative co-signing turns a maybe into a yes and usually lowers the rate. We tell you which case yours is before anyone is asked to sign.

Usually with a part-time job and a co-signer. Student loans and grants are not employment income, so most lenders want to see pay stubs from steady hours. A co-op placement or a summer job that pays into your bank account helps.

Submitting our form does not pull your credit. A credit check happens only after we have spoken with you and with your consent, and auto-loan inquiries made for the same purpose within a short window are typically treated as one by Equifax and TransUnion.

Insurers price on driving history, and drivers under 25 have the least of it, so the premium is the highest in Canada. The vehicle is the lever you control. A plain compact costs far less to insure than a sporty or larger one, so quote the exact car before you sign.

We review your request and get back to you, usually within one business day, to confirm details and talk about vehicles and financing options that fit.

A driver's licence, proof of income such as recent pay stubs or a job letter, and proof of address. Newcomers should add proof of status in Canada. Buyers after insolvency should add the discharge or completion letter.

No. Your request is used only to arrange your financing and vehicle, including with the dealer and lending partners needed to approve you, as described in our privacy policy. It is never sold to unrelated marketers.

The math is exact for the inputs you set. The uncertainty is the rate, which the lender sets from your file. Use the presets to bracket a realistic range.

Add about 13 percent to the price in Ontario, about 15 percent in Quebec, 14 percent in Nova Scotia, and 15 percent in the other Atlantic provinces if you plan to finance the tax, which most buyers do.

A common rule is a car payment under 15 percent of take-home pay, before insurance and fuel. If the estimate is above that, lower the price or raise the down payment rather than stretching the term.

Yes. Apply first, then gather the documents while we work on the approval. Most people have everything on their phone within a day.

Within the last 30 days is ideal. If it is older, add a recent pay stub to show you are still employed.

Bank statements showing regular deposits, plus whatever pay stubs or T4 you have. Some lenders count stated income for self-employed buyers when the deposits support it.

Usually, if the payment fits within your proposal budget. Ask your trustee before you apply, and tell us on the form that your proposal is active so we plan around it.

Higher than prime during an active proposal, lower once it is complete. The exact rate depends on income, down payment, and the vehicle. We show you the real number before you sign anything.

It can lower the rate, but it is not required. Most approvals during or after a proposal are made without one.

Not usually. Newcomer programs are designed to work without one. A co-signer with Canadian credit can lower the rate if you have one.

Yes, if you have a job letter, status with time remaining, and a Canadian bank account. The licence exchange is usually the slowest step.

Yes. The loan is reported to the credit bureaus every month, which is the fastest way to build the file you will need later for a phone plan, an apartment, or a mortgage.

Some lenders will look at a file within months if the deficiency is settled and income is steady. A year of clean history and a down payment makes it routine.

Usually it needs to be paid, on a plan, or included in an insolvency. An open, unpaid deficiency is the most common reason a post-repossession file is declined.

A co-signer with good credit improves the rate, but lenders still weigh your own income and the repossession. It helps; it does not erase.

It is conservative on purpose. Lenders may approve more. If your rent is low or you have no other debt, 20 percent can work; above that, one surprise expense puts the loan at risk.

Yes, but do not empty your savings for it. Keep at least one month of expenses in reserve; a down payment that leaves you with nothing creates the missed payment it was meant to prevent.

Not in this market. A five-year-old compact from a brand lenders like is often the best-value car on the lot, and it is the easiest file to approve.

Rarely, and only with trustee consent and a lender that specializes in it. Most buyers wait for the discharge, which for a first bankruptcy with no surplus income is nine months.

No. It stays six years for a first bankruptcy, and buyers are approved throughout that window. Lenders look at what has happened since, not at whether the event is still listed.

In practice, yes, on the first loan: newer than about eight years, under about 150,000 kilometres, from a brand with strong resale. That is what lets the lender approve the file at all.

Often, by refinancing in your own name after twelve to eighteen months of clean payments. Some lenders also release a co-signer on request after a set period; ask before you sign.

Most lenders want the co-signer in Canada and reachable; a parent in another province is usually fine. A co-signer outside Canada generally does not qualify.

No. A co-borrower shares the car and the loan as an equal party, with both incomes counted. A co-signer only guarantees it. A co-borrower is the stronger file when a spouse or partner will drive the car too.

For the lender, age usually matters more than kilometres up to about 150,000. A four-year-old car at 120,000 places more easily than a nine-year-old one at 80,000.

Very rarely. Rebuilding lenders finance through dealers because the dealer provides the safety certificate, the history report, and the paperwork the lender needs. A private sale usually means a bank loan, which is the door that was closed.

Not to the lender. It matters to resale, which matters to you at the end of the term. Neutral colours and mid-level trims hold value best.

No. Neither product is part of getting approved through us. They are offered separately, by the dealer, once you have a vehicle.

It depends on the loan, not your credit. Little or nothing down over a long term leaves a bigger gap between what you owe and what the car is worth, and that is when this kind of coverage matters most. A larger down payment or a shorter term shrinks that gap on its own.

In Quebec, a garantie supplémentaire sold with a used vehicle can be cancelled within 10 days without a penalty. Outside Quebec, check the contract; cancellation rights vary by seller.

No. We connect you with financing and a partner dealership. Any warranty or insurance product is sold by the dealer, its provider, or your own insurer, never by us.

Sometimes, at the dealer. Rolling the cost into the loan spreads it out, but you pay interest on it for as long as the loan runs, so it costs more than paying separately.

No. Your regular auto insurance pays out the vehicle's value if it is written off. GAP-type coverage is a separate, optional product meant to cover the difference between that payout and what you still owe.

No. You apply online first. We contact you, and you visit a lot only when there is an approval and a vehicle worth seeing.

Yes. We get buyers in my city approved with low scores, no credit history, and discharged or active insolvencies. What matters most is steady income and an affordable payment.

The lenders finance in your province, and registration, insurance, and the sale itself follow your province's rules. The vehicles come from our whole network: anything in our inventory can be shipped to you, and we handle the inspection and paperwork your province's rules require.

No. A new lease or a utility bill in your name is enough for proof of address. Lenders care that the address is real, not that it is old.

Yes. Every vehicle we list can be delivered to my city, and if nothing listed fits, we source one for your situation. Want to see it before you sign? A partner near you shows you the car. Once the paperwork is signed we arrange delivery in your province, or a pickup that works with your shifts.