It is our goal to help each and every person with less-than-perfect credit, re-establish their credit.

Apply Now and start rebuilding your credit in a great vehicle!

Will inquiries effect my credit rating?
If you're shopping around for an auto loan or more credit, you should know that when creditors check your credit, it places an inquiry on your credit report. Inquiries can add up, which is often interpreted negatively by creditors. For this reason, too many inquiries can actually make getting an auto loan more difficult.


Can I really get a car loan if I have bad credit?
Yes you can, as a matter of a fact, it may not be as hard as you think.


I've had bankruptcy. Can I get pre-approved?
As long as the bankruptcy is discharged OR you have an authorization to incur debt from the bankruptcy trustee, we can help.


What are the interest rates?
A very good question which there is not a direct answer. Rates are based on your credit profile and the equity position of the loan. We will get you the best reate based on your credit profile. The higher the credit rating and down payment, the lower your rates will be. Also, the model year plays an important role. Rates generally increase 1 point per model year. The older the car, the higher the rate.


Rebuilding Your Credit
Have a credit card, use it and make the payments. Apply for an RRSP loan at a bank. Start small, trade up after 12-18 months. Have a co-signer available.


Understanding Your Credit Score
Your financial health is determined by a credit score: it indicates the risk you represent to lenders.


Building a Stronger Credit History
Make sure you HAVE a credit history. Low score could also be a result of not having a record of owing money and paying it back.