FAQ

Frequently Asked Questions

Q: Is applying online safe?

A: Yes. We use Secure forms for Netscape  & Microsoft Internet Explorer for our online Credit Applications (look at the status bar of your browser to see the secure image). This secures all of your personal information while you are on these pages. All information is kept completely secure and safe.

Q: What do I need to bring with me to the dealership to take my new car home?

A: It's simple! Just a copy of your driver's license, a recent pay stub, a void cheque and your tax-exempt status card if applicable. This will ensure everything goes smoothly and you can take home your new car as quickly as possible!

Q: How do establish credit?

A: If you are applying for credit for the first time, it can be difficult to get your foot in the door with most lending institutions. Some tried and true ways include: having a family member with good credit co-sign your first loan or credit card, obtain a secured credit card or take an RRSP loan out with your current bank. We can help guide you through all of these options and determine the path that is right for you.

Q. If I declare bankruptcy how long would it be before I can get credit?

A. It is very possible to get credit from day one after you have filed for bankruptcy without having to wait to be discharged. Every situation is unique and there are lenders available that consider these situations.

Q: What will my interest rate be?

A: Your interest rate is influenced by several factors; whether the car you want is new or used, the amount of your down payment, your credit history, and the term of your loan. Our credit counsellors will review all of your options with you once your application is received.

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