Finance · Vaughan
Financing, arranged quietly.
Pre-approval takes minutes and begins with a soft credit check. We place the file with the lender that suits it, so the payment is known before the car is chosen.
- Soft credit check
- All credit considered
- 36 to 84 months
How it works
Three steps, plainly.
Apply
A short application online. The first check is a soft inquiry, so your credit score is untouched.Choose the car
Browse the lot knowing what you are approved for. The calculator shows how each car fits the budget.Sign and drive
We settle the paperwork with the lender, confirm the rate and terms with you, and hand over the keys.
Why finance with us
One file, several lenders.
- Approval
- Within minutesPre-approval decisions are typically instant. Final approval usually takes one to two business days once the car is chosen.
- Credit check
- Soft, at firstThe initial check is a soft inquiry that won't affect your credit score.
- Credit history
- Every situationExcellent, limited or rebuilding: we work with lenders across the range.
- Rates
- Lenders comparedWe work with multiple lenders to find the rate that suits your situation.
Finance or lease
Two ways to drive it home.
Not sure which suits you? The difference, side by side.
Finance
Own the car, with a monthly payment.
- Build equity with every payment
- No mileage restrictions
- Own the car outright at the end of the term
- Trade in or sell at any time
- Loan terms from 36 to 84 months
Best forBuyers who plan to keep the car for the long term and want full ownership.
Lease
A lower payment, and a newer car more often.
- Lower monthly payments
- Change cars more often
- Warranty coverage throughout the lease
- Lower upfront costs
- Straightforward end-of-lease options
Best forDrivers who prefer a newer vehicle every few years and a lower monthly cost.
Questions
On financing.
Will applying affect my credit score?
No, our initial pre-approval uses a soft credit check which does not impact your score. A hard inquiry only occurs when you formally apply for financing after selecting a vehicle.
What credit score do I need?
We work with a wide network of lenders to accommodate all credit situations. Whether you have excellent credit, limited history, or are rebuilding, we have options available.
How long does approval take?
Pre-approval decisions are typically instant or within minutes. Final financing approval usually takes 1-2 business days once you've selected a vehicle.
What documents do I need?
For pre-approval, just basic personal information. For final approval, you'll need valid ID, proof of income (pay stubs or tax returns), proof of residence, and proof of insurance.
Can I pay off my loan early?
Most of our financing partners allow early repayment without penalties. Paying off early can save you money on interest. Confirm specific terms with your loan agreement.
Begin with a soft check.
Apply in a few minutes. No impact on your credit score.
