Whatever brought you here, you are in the right place
Most people who apply with us have a file a bank would not read past the first line. We read the whole thing. Pick the situation that sounds like yours; each page explains how the approval works and what to have ready.
Get pre-qualified onlineFree, about two minutes, no credit pull.
Pick the one that sounds like you
More than one may apply. Start with the one that matters most; one application covers all of them.
- Low credit score or bad creditA number from your past, not a verdict on you.
- No credit historyA blank page, not a bad one.
- Newcomer to CanadaNo Canadian file yet is not a bad file.
- Discharged bankruptcyThe discharge is the fresh start. We begin there.
- Active or completed consumer proposalYou chose to repay. Lenders notice that.
- Past repossession or voluntary surrenderOne car went back. The road did not close.
- Accounts in collections or written offOne line on the file, not the file.
- Previous refusal by a bank or dealerOne no is one lender's answer, not the answer.
- Self-employed, gig, or cash-plus-pay-stub incomeYour income is real. It just does not come as a pay stub.
- Pension, disability, or benefit incomeIncome that arrives every month is income lenders count.
- Divorce or separation on the fileTwo incomes became one. The file can catch up.
- First-time buyer under 25Everyone who owns a car once had no history.
What stays the same, whatever your situation
No judgment
What happened is context, not a verdict. We ask about it once, so we can find the lender who is the right fit, not to grade you or to make you explain yourself twice.
No credit pull to apply
The form itself does not touch your credit report. A check happens only after we have talked, and only with your consent, never as a condition of simply filling it out.
A payment sized to your month
We size the loan to the budget you actually have, not the one a bigger sale would prefer. You also see the car in person before you sign anything, so nothing surprises you at the desk.
Know in two minutes.
Free, about two minutes, no credit pull.