Programs
Approval Programs
Find the right financing program for your credit profile and budget.
Financing for Every Situation
Our approval programs cover the full spectrum of credit situations. Whether you have excellent credit, a few late payments, active bankruptcy, or no Canadian credit history at all — there may be a program available for you. Each program has different requirements, rates, and terms set by the lending partner.
Choose Your Path
Standard Approval
For customers with good to excellent credit seeking competitive rates.
Subprime Programs
Designed for credit scores between 500-650 with flexible terms.
Deep Subprime
Options for scores below 500, including recent bankruptcy discharge.
First-Time Buyer
Programs for applicants with no prior auto loan history.
How to Access a Program
1
Submit Application
Provide basic personal, employment, and housing information.
2
Credit Review
A specialist reviews your profile and identifies eligible programs.
3
Program Match
You receive options with estimated payments and terms.
4
Vehicle Selection
Choose from partner inventory within your approved amount.
