These are the credit situations we work with every day.
Most dealers avoid these conversations. We built our entire business around them.
Insolvency
Started or completed a consumer proposal or bankruptcy? You have more options than most dealers will tell you. We help you understand the real timeline and what rates to expect.
Rates improve as your credit rebuilds. Many of our clients refinance at significantly lower rates within 12–18 months.
Poor Credit
Active collections, missed payments, or a low score holding you back? Previous repo less than 5 years, multiple insolvencies in the last 5 years, or missed payments on car loans more than 3 times? We work with lenders who look beyond the number.
Even with a score under 550, there are lenders willing to work with you. The key is matching you with the right one.
New to Canada
No Canadian credit history doesn’t mean no options. Whether you’re a permanent resident, work permit holder, or recently landed, we explain how financing works here and what to expect.
We work with lenders who have specific newcomer programs. Some don’t even require a Canadian credit score to get started.
First-Time Buyer
Thin credit file and unsure where to start? Your first car loan is one of the fastest ways to build credit. We walk you through the entire process step by step. No assumptions, no jargon.
Many borrowers experience credit score improvements of 50–100 points with consistent on-time payments — results vary based on individual credit profile.
UNDERSTANDING RATES
Your rate tells a story.
Your interest rate isn’t random — it’s based on specific factors in your credit profile. Here’s how the spectrum works.
REBUILD PROFILE
12.9 – 24.9%
est. · subject to approval
- ●Credit score under 600
- ●Insolvency or multiple proposals
- ●Outstanding collections
- ●Income under $2,200/mo
BUILDING PROFILE
9.9 – 19.9%
est. · subject to approval
- ●Credit score 600–700
- ●Recent bankruptcy or proposal
- ●Alternative income sources
NEAR PRIME
5.9 – 12.9%
est. · subject to approval
- ●Credit score 700–800
- ●First-time buyer
- ●Newcomer to Canada
GREAT CREDIT
6.99 – 9.99%
est. · subject to approval
- ●Credit score 800+
- ●Stable employment
- ●Strong credit history
Rates have risen significantly from a few years ago. The days of 0–3% financing are behind us. Today, even strong-credit borrowers start around 5.99%. We’ll explain exactly where you fall, why, and how to improve it.
*All rates shown are estimates on approved credit (OAC) and subject to lender approval. Actual rates may vary based on individual credit profile and lender terms.
OUR PROCESS
Six steps. Full clarity.
For a purchase this significant, you need to know your options and what to expect at every stage. Our process gives you a clear strategy. No surprises, no pressure.
Step 01
Discovery & Education
Our team educates you to make sure auto-financing is right for you and you understand how it works.
Step 02
Credit Analysis & Income Verification
We verify your credit score and income to secure a pre-approval that meets your financial needs.
Step 03
Financing Confirmation
We submit your application to our 20+ partner banks to secure you the best possible approval.
Step 04
Vehicle Sourcing
We work with our 50+ dealership partners to find the best vehicle for your needs, budget, and approval.
Step 05
Vehicle Pick Up
Our team arranges pick up and provides transportation to the pickup location if you need it.
Step 06
Quality Guarantee
Every vehicle comes with a full safety certification and warranty so you have peace of mind for years.
What you get
WHAT CLIENTS SAY
Real reviews from real clients.
Don't take our word for it. Here's what our clients have to say about their experience.
OUR PRINCIPLES
What we believe.
A vehicle purchase this significant deserves objective information, not a sales pitch. We believe the fix is radical transparency.
Transparent by Default
Every fee, every rate factor, every cost, explained before you commit. You deserve to know exactly what to expect, and we make sure you do.
Empower, Don’t Sell
Our job is to give you objective information so you can make the right decision on your own terms, even if that decision isn’t us.
On Your Team
We work for you, not the lender. We help you build a strategy that fits your situation, based on what’s best for you, not what earns us the highest commission.
