We’re Not a Bank.
But You Can Bank on Us.

No. Our pre-qualification process uses a soft inquiry only, which does not appear on your credit report and has no impact on your score. Only if you proceed to a formal financing application will a hard inquiry be made — and we'll always let you know before that happens.

Yes. We work with lenders who specialize in all credit situations — including poor credit, no credit, and people who are rebuilding after a bankruptcy or consumer proposal. We won't guarantee approval, but we will work hard to find you an option. A down payment can significantly improve your chances.

Absolutely. We work with newcomer financing programs designed specifically for people who are new to Canada and haven't yet established a Canadian credit history. Bring your proof of employment, proof of income, and any international credit history you have — these all help.

Not at all. Self-employed buyers just need to provide different documentation — typically 2 years of Notice of Assessment (NOA) from CRA, and business bank statements. We know how to structure these applications properly and work with lenders who are comfortable with variable income.

Most applications are reviewed same day. In straightforward cases, approvals can come back within hours. For more complex credit situations, it may take 24–48 hours. Once approved, we can typically get you on the road within 1–2 business days.

It depends on your credit profile. Buyers with strong credit can often finance with $0 down. If your credit is being rebuilt, a down payment significantly improves your approval odds and reduces your monthly payments. We'll always be upfront about what's needed for your specific situation.

We offer terms ranging from 24 to 84 months (2–7 years). Longer terms mean lower monthly payments but more total interest paid. Shorter terms mean higher payments but you build equity faster. Our team will walk you through the tradeoffs so you can choose what makes sense for your situation.

Yes, and in Ontario this is actually advantageous — you only pay HST on the difference between the purchase price and your trade-in value, not on the full vehicle price. On a $40,000 purchase with a $15,000 trade-in, that's over $1,950 in immediate tax savings. We'll appraise your trade-in fairly and apply it to your deal.

For most applications you'll need: a valid government-issued photo ID (driver's licence or passport), proof of income (recent pay stubs or 2 years NOA if self-employed), proof of address (recent utility bill or bank statement), and your void cheque for pre-authorized payments. If you have a trade-in, bring the vehicle ownership as well.

In most cases, yes — though some lenders charge a prepayment penalty. We'll always show you the full terms before you sign, including any early repayment conditions. If paying off early is important to you, let us know and we'll prioritize lenders who allow it penalty-free.