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Possibly. Lenders look at more than a credit score. They also consider your income, how long you have been employed, your debt load, your down payment and the vehicle you are choosing. Many people with past credit problems are approved, though rates may be higher than for someone with strong credit. Submit an application and we will explain the options realistically, with no pressure.

Having no history is different from having bad credit. Some lenders have programs for newcomers, students and first-time buyers. Steady income, a stable address and a down payment can help. A co-signer with established credit may also improve your chances, and we can talk through whether that makes sense for you.

In general we need your contact details, current address and how long you have lived there, employment information and your income. Some lenders also ask for proof of income, a void cheque or ID later in the process. Please do not enter your SIN on the website; if a lender needs it, we will collect it securely. We will tell you exactly what is required for your situation.

No. A quick quote request is just a conversation about a vehicle and a payment estimate. A formal financing application may involve a credit check, which you consent to when you apply. A credit check can have a small, temporary effect on your score, and we will explain this before we proceed.

It varies by lender and by how complete your application is. Some applications are answered fairly quickly, while others need extra documents or review. A representative will follow up after you apply and keep you informed. Having your income and employment details ready helps speed things up.

There is no single right answer. A larger down payment lowers the amount you borrow, which usually reduces your payments and total interest. Some credit situations may require a down payment for approval. Use the calculator on any vehicle page to see how different amounts change your biweekly payment, then contact us to discuss what works for you.

Yes. Mention it on your application, or request an appraisal through the Appraise My Trade In button on a vehicle page. Appraisals consider the year, make, model, mileage and condition. If you still owe money on the vehicle, tell us; depending on its value, the balance may be able to be rolled into your new financing, which we will review with you.

A longer term spreads the cost over more payments, so each payment is smaller, but you typically pay more interest overall and may owe more than the vehicle is worth for longer. A shorter term has higher payments but costs less in total interest. We can show you comparisons so you can choose a balance you are comfortable with.

Many people are paid every two weeks, so biweekly payments can make budgeting simpler. The estimates on our site are calculated biweekly using an assumed rate and term. Your actual rate, term and payment depend on your approval, so treat the website figures as an estimate until we confirm the details with you.

No. Prices shown exclude taxes and licensing fees unless stated otherwise. Applicable taxes and fees are added to the total, and they can usually be included in your financing. Contact us for an itemized breakdown on the specific vehicle you are considering.

Prepayment terms depend on the lender and the contract. Some allow extra payments or early payoff with little or no penalty, while others have conditions. Ask us before signing and we will point out what your specific agreement says so there are no surprises.

No. Extended warranty and other protection products are optional, and you decide whether they are right for you. They can help with unexpected repair costs, and coverage and pricing vary by vehicle. We are glad to explain what is covered before you decide.

Often, yes. A co-signer with stable income and good credit shares responsibility for the loan, which can improve approval chances and may help with the rate. It is a serious commitment for the co-signer, so it is worth discussing openly with them before applying.

You can submit a financing application first, then shop within the range you are comfortable with. A representative will discuss what budget makes sense. Final terms are confirmed once a specific vehicle is selected.

A representative contacts you to confirm details and may ask for supporting documents. We then present your application to lenders, review the offers with you, and explain the rate, term and payment. You are free to ask questions or walk away at any point before signing.