Tell us the monthly budget you have in mind and we will pass your request to dealers in our network.
Dealers in our network generally ask for the following minimums before they will look at a request. Meeting them lets you submit a request — it is not an approval, and each dealer or lender makes its own decision.
Dealers in our network review requests from people with bad credit, thin credit files and past financial difficulty. Whether financing is offered, and on what terms, is decided by the dealer or lender.
Dealers in our network offer a range of terms. Your rate and monthly payment depend on your credit profile, your income and the vehicle you choose.
Start online instead of at the dealership. Your details are confirmed through our secure SMS verification before your request is passed on.
Three steps to get your request in front of dealers in our network. What happens next is up to you and the dealer.
Tell us a bit about your employment and income in our secure, micro-step online form.
Our national network of sub-prime and near-prime dealers will review your profile and contact you with options.
If you and the dealer agree on the vehicle and the terms, you complete the paperwork with them directly.
Here is exactly how this service works, before you submit anything.
We are a referral service. We pass your request to auto dealers in our network. Every credit decision, interest rate and monthly payment is set by the dealer or its lending partners, not by us.
To assess your application, a dealer or lender will need to review your credit report. Submitting the form is a request to be contacted. It is not an application decision, and approval is never guaranteed.
The service is free to you. We are paid a referral fee by participating dealers. You will never be asked for an upfront fee, deposit or insurance payment to submit a request through this site.
By submitting the form you agree that a dealer in our network may contact you by phone, SMS or email about auto financing. You can ask us to remove your details at any time by emailing contact@carloanapproval.net.
Got questions? Here is what you need to know about our referral process before you submit a request.
It may be possible. We work with a national dealer network that includes sub-prime financing options, and consistent income is one of the main factors dealers look at. Each dealer or lender makes its own decision, so we cannot promise an approval or a particular rate.
Yes. In order to evaluate your creditworthiness and tailor the right financing plan for you, the auto dealers will need to pull your credit report.
Rates and payments vary depending on your personal credit profile and the vehicle you choose. Dealers must evaluate your application first before discussing specific APRs or monthly payments.
You can submit a request if you have a consistent minimum monthly income of $1,800. Be prepared to show proof of consistent earnings, such as bank statements. Financing is often more difficult for gig workers without verifiable regular income.
Timelines vary. Once you complete the online form and SMS verification, your request is passed to dealers in our network. How long things take from there depends on the dealer, the documents they ask for, your credit assessment and the vehicle you choose.
Yes, you can still submit a request. Dealers in our network work with Canadians who have been turned down by traditional banks, and they weigh steady employment and income alongside your credit report. A previous decline does not mean you will be declined again, and it does not mean you will be approved.