How It Works
Get connected with lenders in four simple steps
Our process connects you with Canadian lenders who specialize in all credit situations
Complete Our Simple Application
Fill out our online application in about 3 minutes from any device. We ask for basic information about your budget, vehicle preference, employment, and contact details.
⏱️ Timeline: 3 minutes
- Takes approximately 3 minutes to complete
- 100% secure and confidential
- Mobile-friendly application
- Save and resume anytime with auto-save
We Match You with Lenders
Our system connects you with lenders from our network of 25+ trusted Canadian lenders. We compare rates and terms to find options that fit your situation.
⏱️ Timeline: Within 24 hours on business days
- Access to 25+ Canadian lenders
- Lenders who specialize in bad credit
- Competitive rates from 6.46% OAC for qualified applicants
- Flexible payment terms available
Receive Your Decision
You'll be contacted by phone or email with your approval decision. We'll present you with financing options tailored to your situation and budget.
⏱️ Timeline: 24 hours on business days (Mon-Fri, 9 AM - 8 PM EST)
- Review within 24 hours on business days
- Multiple financing options when approved
- Clear terms with no hidden fees
- Dedicated specialist to answer questions
Choose Your Vehicle
If approved, browse available inventory of quality used cars, trucks, and SUVs. Complete the paperwork with your chosen dealership and finalize your purchase.
⏱️ Timeline: Same day to 1 week depending on vehicle availability
- Access to partner dealership inventory
- All makes and models available
- Safety inspected vehicles
- Delivery options available
What Are The Possible Outcomes?
After we review your application, you will receive one of these three outcomes
Approved
You receive a financing offer with specific terms, interest rates, and monthly payment amounts. You can proceed to choose your vehicle from available inventory.
Likelihood: Most common outcome for applicants who meet basic requirements
Conditionally Approved
You're approved pending additional documentation (proof of income, residence) or a larger down payment. Our team will contact you with specific requirements.
Likelihood: Common for applicants with limited credit history or documentation gaps
Not Approved
Your application doesn't meet current lending requirements. We'll provide feedback on why and suggest specific steps to improve your eligibility for future applications.
Likelihood: Less common - usually due to insufficient income, active bankruptcy, or no bank account
Important Information
- All applications are reviewed individually - approval is not guaranteed
- A credit check will be performed as part of the approval process
- You will be contacted by phone or email with your decision within 24 hours on business days
- Business days are Monday through Friday, 9 AM to 8 PM Eastern Time
24-Hour Review
Most applications reviewed within 24 hours on business days
Bad Credit Specialists
Lenders who understand challenging credit situations
Competitive Rates
Rates from 6.46% OAC for qualified applicants