At Auto Credit Canada we use state of the art technology that evaluates your credit profile, available inventory, income, as well as debt factors. Our process ensures that each application will be APPROVED, it may just take a little more work than your bank wants to put into it.

Auto Credit Canada has several First Time Buyer Programs including a very aggressive In-House Program. Make us your first call and you will be driving!

Getting credit through Auto Credit Canada is unlike any other credit you've ever received. With a single click or call our own finance company fights with lenders for your loan, giving you instant access to the most competitive financing terms anywhere. And it all starts here, Apply Now!

There are no minimum qualifications to pre-qualify! Each auto loan application is evaluated based on the credit profile and equity position. An applicant with previous good auto credit, for example, may not have to meet income and job time requirements; whereas an applicant with a recent repossession would.

If the repossession was not included in a bankruptcy and there is still a balance on the account, you can still pre-qualify. Greater money down requirements may apply and vehicle selection will be limited to newer cars that are still under factory warranty.

The typical auto loan from Auto Credit Canada is for a new, one to 6 year old vehicle with less than 100,000 Km. Nearly every vehicle financed through Auto Credit Canada is eligible for Extended Factory Protection or has the balance of Factory Warranty so you won't have to worry about unexpected repairs.

A Cosigner may be considered for a Buyer who does not comply with all the credit requirements. The income of the Buyer, however, must meet all the income and budget guidelines without reliance upon the income of the cosigner.

If you're shopping around for an auto loan or more credit, you should know that when creditors check your credit, it places an inquiry on your credit report. Inquiries can add up, which is often interpreted negatively by creditors. For this reason, too many inquiries can actually make getting an auto loan more difficult.

As long as the bankruptcy is discharged, or you have an Authorization to Incur Debt from the bankruptcy trustee, Auto Credit Canada can help.

We recommend that you consult with one of our auto loan specialists first. They can determine how much you qualify for before you start shopping. This method will increase your chances of approval and decrease the number of inquiries on your credit report. Inquiries may have a negative effect on your credit rating.

For example: You decide to buy a new $50,000 Ford at a dealership without Auto Credit Canada Auto Loan Center. The dealer may keep submitting your application until it is approved or the dealer has exhausted all their lender resources. Your Auto Credit Canada Auto Loan Specialist, on the other hand, will first determine if you qualify for the Ford. If so, your loan package will be submitted. If you don't qualify you'll find out without numerous inquiries showing up on your credit report.