Question 1

Will applying affect my credit score?

Accepted Answer

Pre-qualification uses a soft inquiry that does not affect your credit score. A hard inquiry only happens later if you choose to move forward with a specific lender.

Question 2

Do I need to provide my SIN?

Accepted Answer

No. We never collect your Social Insurance Number as part of the application.

Question 3

How long does the application take?

Accepted Answer

About 2–4 minutes. You can save your progress and finish later.

Question 4

Which provinces do you serve?

Accepted Answer

Primarily British Columbia and Alberta. We can also help review options in other provinces depending on lender availability.

Question 5

Do you guarantee approval?

Accepted Answer

No. Approval, rates, and terms always depend on lender review of your credit profile, income, vehicle, and other factors.

Question 6

What if my credit isn't great?

Accepted Answer

We work with lenders that serve a wide range of credit profiles. We'll share realistic options rather than over-promising.

Question 7

Is there a cost to apply?

Accepted Answer

No. Submitting an application is free with no obligation to purchase.

Question 8

Can I include a trade-in?

Accepted Answer

Yes. You can include trade-in details in the application or use our dedicated trade-in form.

Question 9

What happens after I submit?

Accepted Answer

A representative may contact you using your preferred method to walk you through options. You're under no obligation to proceed.

Frequently asked questions.