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Finance · Pre-approval

Apply for financing.

Complete the application and hear back on approval within minutes. The first check has no impact on your credit score.

  • TimeAbout two minutes
  • Credit checkSoft inquiry, no impact
  • Credit historyAll situations considered

Prefer to talk it through? Call (905) 264-9888.

The essentials. We will call for the rest.

Secure and encrypted · No impact on your credit score

How it works

From application to keys.

  1. Submit the application

    A short form, a few minutes. The first check is a soft inquiry with no impact on your credit score.

  2. Choose the car

    Browse the lot knowing what you are approved for, and use the calculator to see how each car fits.

  3. Sign and drive

    We settle the paperwork with the lender, confirm the rate with you, and hand over the keys.

Questions

Before you apply.

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.