Frequently Asked Questions

The total cost includes: Documentation Feeidocumentation feeA one-time fee that covers preparing and processing your paperwork.: $995 and Bank Application Feeibank application feeA fee some banks charge to process a loan application. It varies by bank.: $500–$900 (depending on the bank). Checking your approval costs nothing — you only pay these fees if you decide to go ahead.

Zero fees, no commission — you keep more of your money, with no hidden costs or listing fees.

Vehicle taxes depend on the province or territory, the seller, the vehicle and how the transaction is structured. In B.C., a private vehicle purchase is generally subject to PSTiPSTProvincial Sales Tax. Where PST applies, the rate and calculation rules depend on the province, vehicle and transaction. when the vehicle is registered, while GST/HSTiGST/HSTGoods and Services Tax. GST/HST generally does not apply to a private vehicle sale by a seller who is not a GST/HST registrant, but different rules can apply to taxable sales by registrants. generally does not apply when the private seller is not a GST/HST registrant. The applicable PST rate and taxable value can vary by vehicle type and value. Any applicable taxes and fees are confirmed for the specific transaction before funding. For transactions outside B.C., the rules of the applicable province or territory apply.

Applying only takes 2 to 4 minutes. Once you submit, one of our finance executives will contact you shortly with your options.

No. Final approval is determined by the lender and depends on the application and the lender’s criteria. Approval is not guaranteed.

There is no single credit score that guarantees approval. Lenders consider multiple factors when reviewing an application, and requirements vary by lender and application.

Year: 2015 or newer. Kilometres — no strict limits, but lower kilometres increase your chances of approval. Title: must be a clean titleiclean titleThe vehicle has never been written off or rebuilt after major damage. — rebuilt titlesirebuilt titleA vehicle that was written off, repaired and re-certified. Many lenders do not finance these. are not eligible. See the Vehicle Requirements page for how liens are handled per service.

Cars, motorcycles, RVs, and boats qualify for instant loans if they are 2015 or newer, have a clean titleiclean titleThe vehicle has never been written off or rebuilt after major damage. and are fully paid off. Once you apply, our team will review your vehicle and come back to you with your options.

Yes — financing a vehicle purchased from a private seller is a service Approved By Saini supports. Vehicle requirements apply, and financing depends on the lender and application. We handle inspection, paperwork, loan payoff, ICBCiICBCThe Insurance Corporation of British Columbia. It handles vehicle registration, plates and insurance paperwork in BC. transfer, and detailing for a seamless private purchase.

Yes. We can coordinate the buyer’s financing, the payout of the seller’s existing loan, and the vehicle-transfer paperwork for an eligible loan transferiloan transferOn this site, “loan transfer” means arranging a financed sale of a vehicle that still has an outstanding loan. In most cases, the buyer obtains new financing and the seller’s existing loan is paid out. A direct assumption of the seller’s existing loan is only possible where the lender permits it.. In most cases, the buyer obtains new financing and the seller’s current loan is paid out rather than assigned to the buyer. The exact financing and payout process depends on the lender, applicant and vehicle. In B.C., we can also coordinate the applicable ICBCiICBCThe Insurance Corporation of British Columbia. It handles vehicle registration, plates and insurance paperwork in BC. ownership and insurance steps.

Yes. Approved By Saini can help arrange refinancing for eligible auto loans. Whether refinancing can lower your interest rate, monthly payment or overall borrowing cost depends on your current loan, remaining term, applicant profile, vehicle and lender. Final approval, rates and terms are determined by the lender.

Share your car details, get your offer, then bring it in and get paid. We’ll review your details and contact you with a fair, no-obligation offer, usually within a few hours — and payment can be released the same day.

Your information is collected and used as described in our Privacy Policy, in compliance with PIPEDA and applicable provincial privacy laws.

Financing is provided by our lending partners. Approval is determined by their credit and underwriting criteria — see our Terms & Conditions.