They made the impossible happen
“I truly thought getting a new car would be impossible given my situation, but him and his team went above and beyond to make it happen.”
Shakira R.
Rebuilding credit
What we specialize in
These are the credit situations we work with every day.
Most dealers avoid these conversations. We built our entire business around them.
Most common
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.
Common
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.
Newcomer
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
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.
A first auto loan with consistent payments can increase your credit score by 50–100 points in the first year.
WHAT CLIENTS SAY
Real reviews from real clients.
5.0· 13 reviews
Way less stressful as a newcomer
“As someone new to the country, I was dreading the process. But their approach made everything way less stressful.”
Markos N.
New to Canada
Not your stereotypical salesperson
“He’s not the stereotypical car sales person. He gives what the customer wants, not what he wants to off-load. Honest and straightforward the whole way.”
Earl
Verified Google review
Best car-buying experience of my life
“Best car purchasing experience of my life! Noel and Jess were fantastic to deal with, spoke open and honestly with me.”
Troy L.
Verified Google review
My second car from them
“This is my second car I’ve bought from him — couldn’t recommend enough. They know exactly what they’re doing.”
Jake A.
Returning client
Found the exact car I wanted
“I requested a manual transmission and he found one despite the odds. Absolutely loving the car!”
Jason G.
Verified Google review
Tailored perfectly to my needs
“The experience down to the final purchase was tailored perfectly to suit my needs. I would highly recommend trusting the process.”
Jordan B.
Verified Google review
They picked the right car for me
“The more I drive, the more it confirms how you were able to pick the right car for me!”
Darlene A.
Verified Google review
Easy-going from start to finish
“My experience with them was so easy going. HIGHLY recommend Simply Drive!”
Isabella W.
Verified Google review
Looked after me after the sale
“He made sure I was satisfied with the vehicle even after I bought it. Great customer service skills.”
Misty
Verified Google review
Quick, and within my budget
“They worked diligently and quickly to help me find a vehicle that suited my budget.”
Jolene A.
Verified Google review
A great experience, no pressure
“Although I didn’t end up purchasing a vehicle, I still had a great experience with the customer service.”
Shelley T.
Verified Google review
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.
Major bank auto loan starting at:5.99%
Higher RiskLower Risk
REBUILD PROFILE
21.99 – 24.99%
est. · subject to approval
- ●Poor credit (< 500)
- ●Insolvency
- ●Outstanding debt & collections
- ●Income < $2,500/mo
- ●Child tax, ODSP, CPP, disability
GROWING PROFILE
14.99 – 19.99%
est. · subject to approval
- ●Average credit (500–750)
- ●New to country
- ●New job
- ●New credit
PRIME PROFILE
6.99 – 11.99%
est. · subject to approval
- ●Good credit (750+)
- ●Stable employment
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.
Client Stories
Real approvals, real cars.
A look at what’s possible — the credit situation, the rate, and the payment behind each drive-away. Names withheld for privacy.
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
Pre-approval before vehicle shopping
Rate and payment estimate upfront
Full vehicle inspection report
Personalized vehicle options for your needs & budget
No-pressure guidance
Trade-in assessment
All licenses & plate transfer covered
Delivery or transport cost covered
½ tank of gas included
Warranty included
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.
Traditional Dealership vs Simply Drive
✕Rate presented as ‘best available’
✓Rate explained with factors that determine it
✕Pressure to decide same day
✓Take your time. We send everything in writing
✕Fees buried in paperwork
✓Every fee itemized and explained upfront
✕Vehicle history unknown
✓Full inspection report with honest assessment
✕One lender, take it or leave it
✓10+ lenders, matched to your profile
✕Limited to whatever’s sitting on their lot
✓50+ dealer partners, we find the best vehicle in the market for you
