Whatever your credit, we have a solution
You are not your credit score, and a refusal is never final. We don't just look at your past, we build your solution. Here are the situations we get approved every single week.
1st chance credit
No credit history yet? Perfect. We build your file with you and land you a real first car loan, with payments you can actually live with.
2nd chance credit
Bad credit happens, and it gets rebuilt. We work with your file exactly as it stands today to get you back behind the wheel fast.
3rd chance credit
Several refusals behind you? Take a breath. Our 20+ lenders look past the numbers and often find a solution right where the bank said no.
Self-employed
Income that varies or is hard to prove? No problem. We know how to present your income to get your car financing approved.
Newcomers to Canada
New to the country with little or no credit here? We do this all the time. We build your application with what you have and get you the keys, no endless paperwork.
Retirees and fixed income
Pension, benefits or fixed income: it counts as real income, and it's often enough. We fit the loan to your real budget, no pressure.
Approved in 4 simple steps
Fill out the form
60 seconds, online, no credit check. Just the essentials so we can help you.
Get your answer in 10 minutes
We present your file to our 20+ partner lenders, who compete for your approval. A real person gets back to you fast.
Choose your vehicle
Inspected, certified vehicles with a Carfax report and warranty included. We find the one that fits your approved budget.
Take the wheel
We handle the paperwork. You drive off with your keys and total peace of mind, sometimes with no money down.
60 seconds · no credit check · no commitment
Why we say yes when the bank says no
20+ lenders competing for you
We don't knock on just one door. We present your file to more than 20 lenders to land the best possible approval, with rates starting at 4.99% for the strongest files.
Every credit situation is welcome
1st, 2nd or 3rd chance credit, bankruptcy, consumer proposal: we've seen your case before and we've already solved it. Your past doesn't decide your future, and here, nobody judges.
Vehicles you can trust
Every vehicle is inspected, certified, and delivered with a Carfax report and warranty included. AMVOQ member: you buy with complete peace of mind.
Real people, in English and French
Bilingual, human, patient service, from the first call right through after the sale. We explain everything, no jargon, at your own pace.
Frequently asked questions
I have bad credit. Can I really get approved?
Yes, and it's exactly what we specialize in. With a 99% approval rate and more than 20 partner lenders, we find car financing solutions even for tough files: 1st, 2nd and 3rd chance credit. Your score doesn't define you, and a no at the bank doesn't mean no with us.
Does applying affect my credit score?
No. Getting pre-approved is done with no credit check at all, so filling out the form has zero impact on your score. You check if you qualify in 60 seconds, safely, with no commitment and no trace left on your file.
How long until I get an answer?
About 10 minutes. The moment we receive your application, we present it to our 20+ partner lenders and a real person gets back to you fast. No weeks of waiting, no radio silence: you know where you stand quickly.
I've already filed for bankruptcy or a consumer proposal. Is that a problem?
Not at all. We regularly approve people after a bankruptcy or a consumer proposal, whether it's discharged or still in progress. These situations are part of our everyday work: we look at your reality today, not just your past. We can even help you rebuild your credit with a loan that fits your budget.
Do I need money down?
Not necessarily. No money down is possible depending on your file. A down payment can improve your terms, but it's not required to get approved. We build a realistic plan that respects your budget, no pressure.
What documents do I need to provide?
For pre-approval, nothing to print: just a few basic details in the 60-second form. To finalize, we'll typically ask for proof of income, proof of residence and a valid driver's license. We guide you through every step, simply.
Today is the day you get your yes
99% of our clients get approved. A 60-second application, no credit check and no commitment. Let us prove to you that a yes is possible.