M
Marcus Chen
"Approval came back the next morning with a rate better than my bank. Zero pressure the entire way."
Lucid Air Touring
Financing, made simple.
Get pre-approved in 24 hours. All credit welcome — no impact to your credit score.
What type of car are you looking for?
Soft check
No impact to your credit
24-hour turnaround
Approvals in one business day
All credit welcome
Good, fair, rebuilding — all situations
30+ Canadian lenders
We shop the best rate for you
How it works
From application to keys, in three steps.
A clear, modern financing experience — built around you, not paperwork.
01
Apply online
Answer a few quick questions — takes about 2 minutes. No documents required upfront.
02
Soft credit check
We match you to the right lender without impacting your credit score.
03
Get approved
A specialist confirms terms within 24 hours and delivers your vehicle.
Rated 5.0 by EV owners across BC · verified Google reviews
P
Priya Anand
"Trade-in offer beat three other quotes and the financing paperwork was done before I got to the showroom."
Toyota Crown Signia
S
Sofia Martín
"They walked me through every fee — no surprises at signing. Best car-buying experience I've had."
Rivian R1S
New to Canada
No Canadian credit history? You can still get approved.
Newcomers to Canada — permanent residents, work permit holders, and international students — are one of the fastest growing groups we finance. Not having a Canadian credit file is a common situation, not a problem. We work with lenders who evaluate newcomer applications on income, employment, and residency status rather than a credit score you have not had time to build.
Approvals typically come back within 24 hours. Rates for newcomer programs are usually within 1 to 3 percent of prime credit — significantly better than subprime — because lenders treat "no credit" and "bad credit" as very different profiles.
Works for PR, work permit, and student visa
Financing programs are available for permanent residents, valid work permit holders, and international students on study permits with 12+ months remaining.
What you need to apply
Passport or PR card, work permit or study permit, proof of Canadian address, and one recent pay stub or job offer letter. No Canadian credit history required.
Down payment helps, but is not always required
A 10 to 20 percent down payment typically unlocks the best newcomer rates. Trade-in equity counts. Several programs approve $0 down for newcomers with strong employment.
Common questions