FAQs

Do you sell cars as well as finance them?

Yes. We carry an inventory of approximately 150 premium pre-owned models in the Edmonton area. Be sure to check out our specials and our featured vehicles. If you have a specific model in mind, give our Sales team a call at (888) 884-7981.

Does your "buy here, pay here" financing model offer advantages over a bank?

Yes. Banks frequently have much stricter lending requirements. Since we lend our own money and we want to sell you a car from our inventory, we can be more flexible about payment plans and credit requirements. We can often offer lower interest rates than banks and other financial institutions.

Is there a fee to apply?

No, and in fact one of our finance specialist will be happy to give you a free consultation to advise you on your next steps in the finance process. Usually we can work out a solution to get you into the vehicle you need.

What documents do I need?

To get started, you can choose the option of our online credit application. For this, you'll need your social insurance number, employment information (including your employer's address and your gross and net salary), your banking information, and (if applicable) your co-applicant's name, birthdate, social insurance number, and contact info. When you come in to our office, you'll need your driver's license. We'll request any other documentation you might need.

If I apply through a bank, what documents do I need?

Banks often have more stringent requirements than we do and may request to see verification of your monthly housing costs, your current and previous addresses, and other documents.

Do you have finance specials?

Sometimes. Click here to see if we have any finance specials right now.

Will applying for auto finance hurt my credit?

Some lenders submit your application to several banks when you apply, and that shows up as multiple credit inquiries on your credit report, which could lower your credit rating. We don't do that, since we make in-house loans and only need to pull your credit once.

What if I have bad credit or I've been denied an auto loan elsewhere?

We understand that economic uncertainty has left many people in Alberta with unexpected credit problems. We specialize in helping people with credit issues, and we'll work with you to understand your situation and get you into a loan that works for you.

How will my payment be calculated?

The size of your payment depends on the amount financed, the length of the payment term, and the interest rate. You can estimate your payments before you shop, using our online payment calculator.

How does the length of the loan affect payment?

Generally a longer loan means smaller monthly or bi-weekly payments. However, bear in mind that you'll pay more interest over the length of the loan if you take out a longer loan, so you would end up paying more in the long run. It might be worth making larger payments on a shorter loan, if the payments fit your budget.