Question 1

Will this affect my credit score?

Accepted Answer

Submitting the application starts with a soft credit check that does not impact your score. Only if you choose to move forward with a specific lender's final offer would a hard inquiry be performed — and we always confirm before that happens.

Question 2

What if I've had a bankruptcy or consumer proposal?

Accepted Answer

We work with multiple second-chance and subprime lenders who underwrite based on stable income and employment, not credit score alone. Approval is realistic even after a discharged bankruptcy or active consumer proposal, though rates are typically higher.

Question 3

Can I apply without choosing a vehicle first?

Accepted Answer

Yes — pre-approval before picking a vehicle is the recommended path. You'll know your maximum loan amount and rate before shopping, so you can buy with confidence and avoid surprises.

Question 4

How long is my pre-approval valid?

Accepted Answer

Most lender pre-approvals are valid for 30 to 60 days. If you need more time, we can usually refresh the approval with a quick income re-verification.

Question 5

Do you finance customers outside BC?

Accepted Answer

Yes — we regularly finance customers across BC and Alberta. For other provinces, contact us first so we can confirm which lenders in our network are licensed in your region.

Question 6

What documents will I need?

Accepted Answer

Valid government-issued ID, recent proof of income (pay stubs or T4), proof of residence, and insurance information. If you're trading in a financed vehicle, your lender's payout letter helps speed things up.

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