Financing
We start with your situation, not your score.
One application, twelve lending partners, and a person in Calgary who actually reads it. Here's exactly how it works and what to have ready.
Your options
Three doors in, depending on where your credit is today.
We'll tell you which door is yours before you sign anything — including what it costs and how long it takes to move to a better one.
Bank and credit-union rates
Prime financing
If your credit is solid, we shop the big banks and credit unions for the lowest rate you qualify for — including manufacturer-style rates on newer inventory.
- Rates from about 7.99%
- Terms up to 84 months
- No lender fees added on
Past collections, proposals, bankruptcy
Rebuild program
Specialty lenders who finance rebuilders every day. You'll pay a higher rate than prime, we'll tell you that honestly — and your payments get reported so your file improves.
- Discharged bankruptcy OK
- Completed proposals OK
- Reported to the bureaus
No Canadian credit file yet
Newcomer & first-time
For people who arrived recently or have never borrowed in Canada. Lenders look at your income, your address history and your down payment instead of a score that doesn't exist yet.
- Work permit or PR card
- Proof of income and address
- Co-signers welcome
How it works
Four steps, no games, no mystery fees.
You'll always know what's happening with your application and what you're signing. Ask us anything along the way — that's what we're here for.
- 1
Tell us about you
Fill in the pre-approval form — about two minutes, no documents needed. It's a soft check, so your credit score doesn't move.
- 2
We shop your file
We send your application to the lenders most likely to approve you, based on your income, down payment and credit situation — not just your score.
- 3
Pick your vehicle
Once you know your number, choose from our inspected inventory. Come test drive, bring your own mechanic, take your time.
- 4
Sign and drive
We handle the paperwork, insurance details and licensing with you, then hand over the keys. Usually the same day.
No impact to apply
A pre-approval with us uses a soft credit check. Nothing is reported, and you're never obligated to buy.
What to bring
Get approved faster with these six things.
You don't need any of this to apply — only when we're ready to finalize your financing. Missing something? Tell us and we'll work around it.
- Photo ID (driver's licence, passport or PR card)
- Alberta driver's licence — or a learner's permit with a licensed driver
- Proof of address: utility bill, lease or bank statement
- Most recent two pay stubs, or three months of bank statements
- Self-employed? Your last two CRA notices of assessment
- Your down payment — or a paid-off trade-in we can appraise
Who we help
If a lender has already said no, we probably know who says yes.
Every application gets looked at by a human who understands credit files — not a formula that stops at the first red flag.
New to Canada
No Canadian credit file yet. We work with lenders who look at your income, your job and your banking history instead of a score you never had a chance to build.
First car, first loan
Nobody gets approved with no history. We start you with a sensible, affordable vehicle and report your payments so your credit file starts growing right away.
Past bankruptcy or proposal
Discharged or completed? You're not locked out. We match you with lenders who finance rebuilders every single day, at rates that make sense.
Rebuilding after collections
Missed payments happen when life happens. A steady paycheque and a reasonable down payment can be enough to get you moving again.
Tight budget
Our cheapest inventory is genuinely affordable — we'd rather put you in a $10,000 sedan you can carry than a $30,000 truck you can't.
Self-employed or gig work
Uber, trades, contracts, cash income — we know how to document it so a lender sees the whole picture.
Students and newcomers
Co-signers welcome, and we'll explain exactly what a co-signer does and doesn't take on before anything is signed.
Ready for a better rate
Already financed elsewhere at a punishing rate? We can often refinance you into something far more comfortable.
Payment estimator
Know your number before you fall in love with a car.
Move the sliders to see roughly what a monthly payment looks like at different prices, down payments and terms. No email, no credit check, nothing saved.
Bring your own number to the lot and we'll work backwards from it — that's how we pick the vehicle, not the other way around.
Estimate your payment
Estimated monthly payment
$384 / month
$16,900 financed over 60 months at 12.99%. Estimates only. Final rate, term and payment depend on lender approval, taxes and licensing.
Questions
The things people ask us before they call.
Still unsure? Ask our assistant at any hour, or call the lot and talk to a person.
Prefer to just start? Begin your pre-approval.
Ready to find out what you qualify for?
It takes two minutes, it's a soft credit check, and there's no obligation to buy anything. Worst case, you walk away knowing your number.
Start my pre-approval