Simple by design
How car financing works here
No dealership waiting rooms, no mystery rates. Here's the entire journey — and exactly what lenders look for.
How it works
From application to driveway in three simple steps
Skip the dealership runaround. The whole process happens online or over the phone — most customers go from applying to driving in under 48 hours.
Apply online in 2 minutes
Tell us about your budget and situation. It's free, there's no obligation, and it takes about two minutes from your phone.
Get approved & pick your vehicle
A dedicated approvals specialist matches your approval to sedans, SUVs, trucks, and EVs from our Ontario dealer network.
Sign and drive away
Review clear, upfront terms — rate, term, and total cost. Pick up your vehicle or have it delivered to your door.
The realistic timeline
Most customers drive within 48 hours of applying.
Application (2 minutes)
Complete the secure online form. Your review begins immediately — no cost, no obligation, and no SIN required to apply.
Specialist call (same day)
Your approvals specialist confirms details, answers questions, and connects you with a partner dealership to review financing options.
Vehicle match (24 hours)
With an approval amount and rate in hand, choose from inspected vehicles that fit your payment — sedans, SUVs, trucks, and EVs.
Delivery or pickup (24–48 hours)
E-sign clear, upfront paperwork. Pick up your vehicle or have it delivered to your driveway anywhere in Ontario.
What you need to qualify
The bar is lower than most people think. If you can check these four boxes, an approval is very likely.
Valid driver's licence
A G2 or G Ontario licence (or equivalent). No SIN is required to apply.
$1,800+/month income
Employment, self-employment, pension, ODSP, EI, and CPP/OAS all generally qualify.
Proof of income
Recent pay stubs, bank statements, or benefit statements — digital copies are fine.
A bank account
For your payment schedule. A void cheque or PAD form happens after approval.
Don't check every box? Apply anyway — specialists regularly find approvals for situations outside these guidelines. Start your application →
Every credit story welcome
Your credit history isn't your credit future
Two out of three applications we approve come from outside traditional prime lending. Whatever brought you here, a partner dealership can help you explore financing options for your situation.
Bad Credit
A low score doesn't end the road. Second-chance auto financing through a partner dealership can help you get on the road with rates that rebuild your credit.
No Credit History
Never borrowed before? Thin files are our specialty — students, young drivers, and first-time buyers get real approvals.
Bankruptcy (Discharged)
A discharged bankruptcy is a fresh start. A partner dealership can often help with discharged bankruptcies the same day you apply.
Consumer Proposal
Currently in or recently completed a consumer proposal? You can still finance a reliable vehicle while you rebuild.
New to Canada
No Canadian credit file yet? Newcomers with proof of income and residency are approved every single day.
Self-Employed
Contractors, gig workers, and business owners — we verify income your way, from invoices to bank statements.
Fixed Income & Pension
ODSP, CPP, OAS, pensions, and EI count as income here. Your paycheque type doesn't decide your approval.
Divorce or Life Change
Major life transitions can bruise a credit file. We look at where you're going, not just where you've been.
Ready to see what you're approved for?
Two minutes, completely free, and zero obligation. Join 12,400+ Ontario drivers who found their yes here.