Financing

Auto Financing in Cobble Hill — All Credit Welcome

If another dealer told you no, we're a good next call. We're a sub-prime financing specialist on Vancouver Island, which means we work with lenders who say yes when others don't. Good credit, bad credit, no credit, new to Canada, past bankruptcy, consumer proposal — we've placed loans through all of it. We also have a very small family team with low overhead, allowing us to charge lower fees for the same services and prevent the cost of your purchase from piling up! (sound familiar?)

Take the pre-approval quiz online and you'll know your options in minutes. No commitment, no impact on your credit score until you're ready to move forward.

Why families on Vancouver Island finance with us

30+ lenders, one application. You shouldn't have to apply at 12 banks and watch your credit score drop with every check. We submit one application to the best-fit lenders for your situation — TD, Desjardins, iA Auto Finance, BNC, LendCare, Rifco, and more.

Sub-prime specialist. Past bankruptcy, consumer proposal, missed payments, no credit history — we have lender programs for every situation. We won't pretend everyone gets the same rate, but we'll tell you straight what your options are.

Family-run, small-town shop.The owners are usually on the lot. You'll deal with people, not a finance department. We take Pride in everything we do.

How it works

1. Apply online — 60 seconds. Quick pre-approval form: name, contact, employment, monthly income. No commitment.

2. We shop your application. Our team submits to the best-fit lenders in our network. You don't apply 12 places — we do. Same-day response on most files.

3. We come back with real numbers. Approved amount, monthly payment, term, down payment requirements. Straight talk, no surprises.

4. Pick your vehicle. Cars, trucks, SUVs, motorcycles — anything in our inventory or our partner dealer network that fits what you're approved for. Test drive, decide.

5. Drive home or have it delivered. Sign the paperwork and you're done. Delivery available anywhere in Canada.

Common questions

Will applying impact my credit score?
Our pre-approval quiz uses a soft credit pull — no impact on your score. A hard credit check happens later, only after you've chosen a specific vehicle and are ready to finalize the loan.

What if I have bad credit?
We have lender partners that specialize in sub-prime financing. Approvals are possible even with past bankruptcy, consumer proposal, or collections. The interest rate will be higher than prime — but the door is open.

What if I have no credit history?
First-time buyers and new-to-Canada applicants have lender programs built for them. Bring proof of income and a Canadian address and you'll have options.

Do I need a down payment?
Sometimes. Depends on the lender, your credit profile, and the vehicle. Some programs are $0 down for qualified buyers; others require 10–20%. We'll tell you up-front what each lender is offering.

How long does it take?
Most pre-approvals come back same-day. From pre-approval to driving away or having the vehicle delivered is usually 24–72 hours.

Can I trade in my current vehicle?
Yes. Trade-ins reduce the loan size and we usually pay top dollar — even if you don't buy from us.