- All Credit Types Accepted
Get Approved -
Low Credit,
No
Problem
All Credit Accepted
90-second Application
No obligation
No credit check to apply. Fast approvals for all credit types across Toronto & the GTA.
Your Car in 3 Simple Steps
01
Apply in 90-seconds
Short form, no credit check, no SIN needed to get started. Just tell us what you're looking for.
03
Drive Away
Choose your vehicle. We handle the paperwork. You get the keys — sometimes same day.
02
Get Approved
We match you with the best lender for your situation. All credit types accepted — guaranteed.
Simple process. Fast approval. No stress.
Your Car in 3 Simple Steps
01
Apply in 90-seconds
Short form, no credit check, no SIN needed to get started. Just tell us what you're looking for.
02
Get Approved
We match you with the best lender for your situation. All credit types accepted — guaranteed.
03
Drive Away
Choose your vehicle. We handle the paperwork. You get the keys — sometimes same day.
Simple process. Fast approval. No stress.
Real People. Real Approvals.
"The process was so simple. I expected it to take weeks — it took 2 days."
Michael T., Mississauga
"No one else would help with my credit situation. These guys made it happen in hours."
James R., North York
"I was denied at 3 dealerships. They got me approved the same day."
Priya K., Scarborough
4.8 stars
- 200 + Google Reviews
"The process was so simple. I expected it to take weeks — it took 2 days."
Michael T., Mississauga
"No one else would help with my credit situation. These guys made it happen in hours."
James R., North York
4.8 stars
- 200 + Google Reviews
Want
To Trade?
Get instant Value of Your Trade
We only need your licence plate or VIN to look up your vehicle — no personal information required.
Got Questions?
We've Got Answers.
Do I need good credit to apply?
Not at all. We specialize in helping people with all credit types — including bad credit, no credit, past bankruptcies, and consumer proposals. Our lending network is built specifically for people traditional banks turn away.
Will applying affect my credit score?
No. Submitting your information does not trigger a hard credit inquiry. We only do a soft check to understand your situation. A hard inquiry only happens when a lender formally approves your application, and we always ask permission first.
How fast can I get approved?
Most applicants hear back within 1 hour during business hours. Same-day approvals are common. Once approved, you can often be driving within 24–48 hours depending on vehicle availability.
What documents do I need?
Typically: government-issued ID (driver's licence), proof of income (2 recent pay stubs or bank statements), proof of address (utility bill), and proof of insurance. We'll walk you through exactly what's needed for your situation.
Can I trade in my current vehicle?
Yes. We accept trade-ins regardless of age, condition, or whether there's still money owed. Your trade-in value is applied directly to your down payment, which can significantly reduce your monthly payments.
Do you work with newcomers to Canada?
Absolutely. We work with newcomers who have limited Canadian credit history every day. We have lending partners who specialize in financing for new Canadians and understand that overseas credit histories don't always transfer.