Car Loan in Toronto Frequently Asked Questions - Serving all Ontario & all of Canada

Car Loan in Toronto  understands that the auto financing process is sometimes difficult and confusing to understand.

Below are a few of the frequently asked questions that we receive. Hopefully these will answer your questions. If they do not, do not hesitate to contact us by phone, or send us an e-mail and we will be happy to assist you.

Q: Can I get approved for a car loan even if I have bad credit?
A: YES! This is what specializes in.

Q: How much time does the application process take?
A: Our fast easy auto credit application only takes a minute to complete. After you submit the application, you should be contacted the same day or the next business day.

Q: When approved, is there a down payment required?
A: Our financing options do not require a down payment. The only time additional money may be required is if you did not meet the qualifications for the amount you needed to buy your exact choice of car, and you made the decision to put in a down payment.

Q: How much does it cost to fill out an application?
A: There is absolutely NO COST to apply for a car loan with!

Q: What type of auto financing may I qualify for?
A: You can apply for any type of new vehicle or used car loan.

Q: What type of vehicles can I receive a car loan for?
A: You can use your car loan for any type of new or used vehicle - car, truck, minivan, SUV, luxury vehicle or cheap choose!

Q: Can I use my current vehicle as a trade in?
A: Yes you may use your current car or truck as a down payment on your new auto loan.

Q: What is the privacy of my personal information?
A: All personal information is strictly confidential, and not shared with any third party.

Q: What are your minimum qualifications?
A: Our minimum qualifications are a gross (before taxes) monthly income of $1300 or over per month in Ontario. Your best bet if you are below this would be to fill out our easy credit application and have one of our finance specialists review your options.

Q: What type of interest rate can I expect?
A: All of our lending partners offer a wide range of rates starting at 0% for our qualifying prime customers (manufacturer incentive pricing). By evaluating your credit history, work history, and income, the lender will determine the best possible rate for your particular situation.

Q: Are there limitations as to the type of car I can purchase?
A: Our lending partners do have certain guidelines as to the year, make, and mileage of the vehicle. Your loan specialist will go over all of these with you when they contact you.


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