Frequently Asked Questions

We work by matching you up with the dealership in your area with the best chance of getting you approved, regardless of your credit history. As you go through our car loan application process you will see what options we are able to deliver to you.
Our dealer partners have extensive resources and experience in helping people with less than perfect credit.
Interest rates vary depending on a variety of factors. The easiest way to know exactly what you'll be looking at is to apply online and one of our dealer partners will contact you and go over all of your options.
Typically you are matched up with one of our dealer partners within one hour. From there they will work as quickly as possible to secure an approval for you. Often times you are able to pick up a vehicle the same day.
Our dealer partners work with all the major non-prime lenders who specialize in: bad credit, no credit, slow or late repayments, repossessions, good credit, bankruptcy, divorce, consumer proposals, new to country, R9's, self employed, and many more unique situations.
Applying online is free! If and when you decide to purchase a vehicle whether it be cash or taking advantage of one of the dealers finance programs, they will go over all costs associated with buying a vehicle.
As with all dealership advertised promotions some terms and conditions apply ie: money down, OAC, co-signer, etc. Each situation is unique. Apply online and someone will get back to you to go over all of your options.
No, we partner with dealerships. When you apply online we pass your information along to the dealership who has the best chance of getting approved for your next car loan.
The total amount that your loan will be pre-approved for, depends on several factors. The financial specialist dedicated to your account will work hard with you to find a vehicle that fits comfortably into your monthly budget.
In many cases you may be approved with no down payment. You may be able to drive off with your car and have some time to come up with the down payment.
Don't worry. Most people still owe money on the car they want to trade in. We apply the positive or negative equity towards your new monthly payments.
There are specific programs available through our partners to help with people while still in bankruptcy. This will take a little extra time as we will require some information from your trustee, but quite often there are still great options available.
Yes. Many dealerships view bankruptcy as a bad thing. We view it as a fresh start and there are excellent programs available to help you into your next vehicle.
There are several programs dedicated to people who are new to credit.