How we get you financing.
We sell vehicles and arrange the financing in the same place. We aren't a lender — we work with a network of Canadian lenders who finance the deal. Here's exactly how the process works, end to end.
Seven steps, end to end.
Most customers go from application to a vehicle in their driveway in five to seven business days. Here's every step.
Five short steps. You share your contact info, the vehicle you want, your income and employment, and your credit picture. About 3 minutes.
Ecaterina or another team member reviews your file by hand and reaches out. We'll talk through your situation and what's realistic — not pass your file off to a robot.
Once we've spoken and you've approved proceeding, we run a credit check with Equifax and TransUnion. We never check your credit before we've talked.
We bring your file to the lenders most likely to approve your profile, and negotiate the best rate they'll offer for the vehicle you want.
If a lender approves you, we send the offer with the rate, term and monthly payment laid out clearly. You decide whether to accept — no pressure.
Choose a vehicle from our partner inventory of 7,000+ vehicles. We send photos, full vehicle history, and detailed specs before you commit.
Barb or Caroline brings the vehicle to your address, walks you through the paperwork, and hands you the keys. No dealership lot.
See a payment for your profile.
Adjust price, down payment, term and your estimated credit to see a representative monthly payment.
- No personal info required to estimate
- Real rates from our lender network
- Final rate depends on your full credit picture
We work with lenders for every profile.
Different lenders specialize in different parts of the credit spectrum. Our job is knowing who says yes to what.
Active lender partners. Our network updates as lenders join or shift focus.
Have these ready (after you apply).
You don't need any of this to start your application — we only ask for these after a lender pre-approves your file.
Canadian driver's licence or provincial ID showing your current address.
A recent pay stub (within 30 days) or, if self-employed, your last two tax returns.
Two months of bank statements showing income deposits.
A recent utility bill, lease, or government correspondence.
Everything we get asked.
If we missed something, call us. We'll answer it the same day.