❓ Frequently Asked Questions

Got questions? We’ve got answers. We’re here to help you get approved — no stress, no sales pressure.

Will applying affect my credit?

No. We do not run a credit check when you fill out the form. We simply review your info to match you with real dealership offers. A credit check may only happen later — but only if you choose to proceed.

I have bad credit. Can I still get approved?

Yes. Helping people with bad credit, no credit, or past financial issues is what we do best. As long as you have some income, we can usually match you with a dealership that will work with your situation.

Do I need a co-signer?

Not always. Many of our customers qualify on their own. However, if you’re new to Canada or have no credit history, we may suggest a co-signer to help you get a better deal — but it’s not required to apply.

What kind of income do I need?

We accept many types of income:

Full-time or part-time job
Self-employment or gig work
Government assistance
Disability or pension
Child tax benefit

If you have any consistent income, we’ll try to get you approved.

Do I need a down payment?

No, but it helps. You can apply with $0 down, and many people still get approved. If you do have something to put down, it can improve your options — but it’s not required to start.

How long does approval take?

Most people hear back within 24–48 hours, often sooner. We’ll reach out with your personalized options and guide you through the next steps.

What kind of cars can I get?

We help with:

New vehicles
Used cars
In-stock ex-rental vehicles with warranty
We’ll only show you cars that match your budget and credit situation.

Is this service really free?

Yes. 100% free. You don’t pay us anything. We get paid by dealerships only when you choose a vehicle. There are no hidden fees, no obligations, and no pressure.

Do I have to talk to a salesperson?

Not unless you want to. We handle the shopping and filtering for you. When you’re ready, we’ll connect you to the right dealership contact — only after you approve the offer.

Is my information safe?

Yes. Your information is private and secure. We never sell your data, and we only share it with our trusted dealership partners when needed to help you get approved.

Still Have Questions? We’re Here to Help.

Not sure if you’ll get approved? That’s exactly why we’re here.
We’ll guide you step-by-step, with no pressure and no obligation.