01
Call or email to apply
We take your details over the phone or email in about 5 minutes. Soft credit pull only — your score isn’t affected.
01 — Get financed
Approved in 15 minutes.
Drive home today.
We work with 12 lenders — banks, credit unions, and specialty finance — so we can almost always find a plan that fits. New to Canada? Bad credit? Self-employed? We've done it all. Soft credit pull only.
0 min
Avg. approval
0%
Approval rate
0+
Lenders
02 — How it works
Four steps from application to keys.
02
Get a decision in 15 min
We compare 12 lenders and bring you the best terms. No credit-score impact.
03
Choose your terms
Pick the plan that fits — amortization, payment frequency, down payment.
04
Drive home the same day
Sign, insure, and walk out with the keys. Most pickups take under an hour.
03 — Common questions
Things people ask before they apply.
Do I need perfect credit to get financed?+
No. We work with twelve lenders — banks, credit unions, and specialty finance — and our team finds a plan for about 97% of applicants. New to Canada, no credit history, self-employed, previous bankruptcy, student loans — we've done it all. The first step is a soft credit pull that won't affect your score.
How long does the approval process take?+
Most applications are approved within 15 minutes during business hours. You'll have a clear answer and a payment breakdown before you leave the desk — no waiting three days for a callback.
What down payment do I need?+
There's no fixed minimum. Zero-down programs are available through several of our lenders, subject to credit approval. Most buyers put 5–15% down to keep monthly payments comfortable. Use our finance form and we'll lay out the actual options for your situation.
Will applying affect my credit score?+
Your initial application uses a soft credit pull, which has zero impact on your score. Only after you formally accept a finance offer and sign the contract does the lender run a hard inquiry. You stay in control of when that happens.
04 — What to bring
Three documents, one short meeting.
Bring these to the dealership and we'll have you approved the same afternoon. If you can't make it in, call us or send a message and we'll take your details over the phone or by email.
Government ID
Two pieces — driver's license plus passport or BCID.
Proof of address
Utility bill, bank statement, or lease — within the last 60 days.
Three recent pay stubs
Or, if self-employed, your last two notice of assessments.
Trade-in registration (if applicable)
We'll appraise the car on the spot while you sign.
05 — Still shopping?