Apply in under 4 minutes
Skip dealership stress. Apply for pre-approvalpre-approvalA quick check done before you shop. It tells you how much financing you qualify for and at what rate — so you know your exact budget first. in minutes online — we’ll confirm your budget and get you low rates, so you can confidently buy any vehicle from dealers, private sellers, or family, 100% hassle-free.
Real approvals in motion
Every delivery joins the wall
Apply in less than 4 minutes to find out your approved amount.
We approve you with prime banks for the lowest rates, starting 6.99%.
Open, flexible loansopen loanA loan you can pay off early — in part or in full — without a penalty. – pay off anytime or in a lump sum.
We are partnered with top dealerships across Canada, giving you access to over 1,000+ partner vehicles. No matter what you’re looking for, we can find the right car for you.
If the banks say no — we say yes. With in-house financing through our partner dealerships, you’re approved directly. We help you build your credit while getting you behind the wheel. Real solutions that work for you, whatever your credit situation.
Rates from 6.99% APR on approved credit through our lending partners. Your exact rate depends on your credit profile, the vehicle, and the lender, and is confirmed at approval.
Plan your payment
Move the sliders to see an instant estimate with your province’s sales tax included. Rates from 6.99% APR on approved credit through our lending partners. Your exact rate depends on your credit profile, the vehicle, and the lender, and is confirmed at approval.
Estimate only — this tool sends nothing and stores nothing.
Got questions about approvals, rates, or vehicle financing? Here are answers to the most common questions to help you move forward confidently and informed.
The total cost includes: Documentation Feedocumentation feeA one-time fee that covers preparing and processing your paperwork.: $995 and Bank Application Feebank 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.
Taxes and fees are added to the transferred amount — 12% tax (7% PSTPSTProvincial Sales Tax — the provincial tax that applies when a vehicle is sold. + 5% GSTGSTGoods and Services Tax — the 5% federal tax that applies when a vehicle is sold.) plus the $995 documentation feedocumentation feeA one-time fee that covers preparing and processing your paperwork. and the application fee.
Applying only takes 2 to 4 minutes. Once you submit, one of our finance executives will contact you shortly with your options.
Final approval is always determined by the lender — we work with multiple lenders to secure approvals for most applicants, regardless of credit history. Our goal is to find a solution that works for your situation.
There is no minimum credit score requirement. We help customers with excellent, fair, poor, or no credit get approved with competitive financing options.
Year: 2015 or newer. Kilometres — no strict limits, but lower kilometres increase your chances of approval. Title: must be a clean titleclean titleThe vehicle has never been written off or rebuilt after major damage. — rebuilt titlesrebuilt 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 titleclean 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.
Absolutely. You can finance any vehicle from any seller. We handle inspection, paperwork, loan payoff, ICBCICBCThe 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 manage the entire loan transferloan transferMoving an existing auto loan from the current owner to a buyer, who takes over the vehicle and its payments. process, including inspection, CarfaxCarfaxA report that shows a vehicle’s history — accidents, service records and previous owners. report, ICBCICBCThe Insurance Corporation of British Columbia. It handles vehicle registration, plates and insurance paperwork in BC. services, and paperwork—so you can drive home as soon as everything is finalised.
Yes. If you’re paying over 8% interest, refinancing can lower your monthly payments and interest rate. Check your eligibility in just 4 minutes.
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 is released to you 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.
