You May Qualify If You:
- Are 21 years of age or older
You must be at least 21 years old to use this application.
- Are a Canadian resident
You must currently live in Canada with a valid Canadian address.
- Have a stable source of income (employed or self-employed)
Income details may be needed for the application. Lender requirements can vary.
- Have an active Canadian bank account
Bank account details may be needed for processing and payments.
- Have valid contact information (phone and email)
We use your phone number and email to verify and discuss your application.
- Can provide proof of income and residence
Typical documents include pay stubs, bank statements, utility bills, or lease agreements.
Good to know: Some lenders consider applications from people with bad credit, limited credit history, or collections. Every application is reviewed individually, and approval is not guaranteed.
You May Not Qualify If You:
- Are under 21 years of age
You must be at least 21 years old to use this application.
- Live outside of Canada
This application is intended for Canadian residents with a Canadian address.
- Have no source of income
Proof of income may be needed for lender review.
- Do not have a Canadian bank account
A Canadian bank account may be needed for processing and payments.
- Are currently in active bankruptcy without discharge
Available options can depend on your current status and lender requirements.
- Cannot provide valid contact information
Lenders need a working phone number and email to process your application.
Not Sure If You Qualify?
You can still apply. We will review your situation. Approval is not guaranteed.
Common Eligibility Questions
Can I apply if I'm self-employed?
Self-employed income may be considered. You may be asked for documents such as bank statements, tax returns, or business records.
What if I have bad credit or no credit history?
Some lenders consider bad credit or limited credit history. Your application, income, vehicle, and lender requirements all matter.
Can I apply if I'm on disability or receiving pension income?
These income sources may be considered. Lender requirements can vary.
Do I need a co-signer?
Not always. Whether you need one depends on your application and lender requirements.
What if I'm on a work permit or temporary resident?
Temporary residents with valid work permits may qualify if they meet all other requirements. Contact us to discuss your specific situation.
Ready to Get Started?
Start your application online. We will review your situation with available lender options.
Start Your Application