Frequently Asked Questions

We work with all credit scores, including scores as low as 450. We have lenders who specialize in bad credit, no credit, and even post-bankruptcy situations. Your credit score is just one factor - we also look at your income, employment stability, and down payment.

Most customers get approved the same day they apply, often within 4 hours. In some cases, we can provide instant pre-approval over the phone. The fastest approval we've ever processed was 15 minutes!

No! Our initial pre-approval process uses a "soft credit check" which doesn't impact your credit score at all. We only do a hard credit pull when you're ready to finalize your purchase, and only with your permission.

Absolutely! Bad credit is our specialty. We've helped customers with credit scores as low as 450, recent bankruptcies, consumer proposals, and collections. We have lenders who specifically work with challenging credit situations.

Yes! We work with first-time buyers and newcomers to Canada regularly. We can help you establish credit while getting the vehicle you need. You'll typically need proof of income and a larger down payment.

You'll need: (1) Valid government-issued photo ID, (2) Proof of income (pay stubs, employment letter, or tax returns), (3) Proof of residence (utility bill, lease agreement, or bank statement), and (4) List of references with phone numbers.

No problem! We work with self-employed customers regularly. You'll need to provide tax returns (usually 2 years), bank statements, and possibly a letter from your accountant. We have lenders who specialize in self-employed financing.

While not always required, a down payment helps secure better rates and terms. We recommend at least $1,000-$2,000 down. For customers with challenged credit, a larger down payment (10-20%) significantly improves approval odds.

Absolutely! We'll appraise your trade-in and apply its value toward your down payment. Even if you still owe money on your current vehicle, we can often work with the equity to help with your new purchase.

Yes, but you'll need permission from your trustee first. We work with customers in active bankruptcy regularly. You'll typically need a larger down payment and the interest rate will be higher, but it's definitely possible.

You can apply immediately after discharge! We have lenders who specialize in post-bankruptcy financing. The longer it's been since your discharge, the better your rates will be, but we can help right away.

Yes! Consumer proposals are often easier to work with than bankruptcy. If you're making your payments on time, we have several lenders who will consider your application. You may need trustee permission depending on the loan amount.

Welcome to Canada! We help newcomers regularly. You'll need your SIN, work permit/PR card, proof of Canadian employment, and typically a larger down payment. We can help you establish Canadian credit history.

Rates vary based on your credit situation, down payment, and loan term. Good credit customers might see rates from 6-12%, while rebuilding credit customers typically see 15-25%. We always work to get you the lowest rate possible.

We offer terms from 12 to 84 months, depending on the vehicle age and your situation. Longer terms mean lower monthly payments but more interest paid overall. We'll help you find the right balance for your budget.

No hidden fees, ever! We believe in complete transparency. All fees are disclosed upfront, including documentation fees, licensing, and any lender fees. What you see is what you pay.

Yes! Most of our lenders allow early payoff without penalties. Some may have small prepayment penalties in the first year, but we'll make sure you understand all terms before signing.

We specialize in reliable, affordable used vehicles typically 2-8 years old. Our inventory includes sedans, SUVs, trucks, and hatchbacks from trusted brands like Honda, Toyota, Mazda, Hyundai, and more.

Yes! All our vehicles come with a safety certificate and are thoroughly inspected. Many also come with extended warranties. We stand behind every vehicle we sell.

Absolutely! If we don't have what you're looking for in stock, we can source it for you. We have relationships with dealers and auctions across Ontario and can usually find what you need within a week.

Yes! We offer extended warranties on most vehicles. Coverage varies by vehicle age and mileage, but we can provide protection for major components like engine, transmission, and electrical systems.

From application to driving away, most customers complete the process in 1-3 days. If you have all your documents ready and we have the right vehicle in stock, you could drive away the same day!

You can start online, but you'll need to visit us to finalize paperwork and pick up your vehicle. We can handle most of the pre-approval process over the phone and email to save you time.

Yes! We offer delivery throughout the GTA and Niagara Region. Delivery fees apply based on distance, but for many customers, it's worth the convenience. We can bring the vehicle right to your home or workplace.

Once approved, we'll help you choose the right vehicle, finalize all paperwork, arrange insurance, and handle licensing. We guide you through every step to make sure nothing is missed.