Every credit story has a key. We carry the whole ring.
We sell the vehicle, we find the vehicle, and we build the loan. Strong credit, rebuilding credit, or no credit yet, the same team gets you the best deal your file can get. Our own inventory, a network that tracks down exactly what you want, and lenders that compete for your business. One team, start to keys in hand.
Where are you starting from?
Pick the one that fits best. No wrong answers here.
What are you driving away in?
Pick a type. If you have a specific vehicle in mind, we’ll find it.
Where do we send your keys?
Name and phone is all we need to start.
Got two more minutes?
Fill this in and we call with a real plan instead of a list of questions.
Your actual role matters. It’s one of the first things a lender asks.
Count everything before deductions. Job, self employment, pension, support payments, side work.
You’re unlocked.
We have your details and we’ll be calling soon. No pressure, just a straight conversation about what will work.
Want to move even faster? Lenders usually ask for these first. None of it is required for a callback.
- A valid driver’s licence
- Your last two pay stubs, or another proof of income
- Registration for your trade in, if you have one
Most places do one of these. We do all three.
A dealership sells you what’s on the lot. A broker finds you a loan and leaves you to shop. We handle the vehicle and the financing together, so the two actually fit.
Our inventory
Cars, SUVs and trucks we already have and can put you in quickly. No waiting on a transfer, no guessing if it’s still there.
We find it
Don’t see what you want? Tell us the make, model, trim and colour. We go hunting through our dealer and wholesale network across Western Canada and bring it to you.
We fund it
We send your application to the lenders who specialize in your kind of credit, prime or rebuilding, so you’re never stuck with one answer from one bank.
Whatever locked you out before, there’s a key for it.
Tap the one that sounds like you. Each has its own page with what lenders look for and what to expect.
How a lender actually decides. Nobody tells you this part.
Knowing how it works takes most of the stress out of it.
Your income sets how much
Lenders look at what you earn against what you already owe each month. That ratio decides your approval amount, far more than your credit score does.
Your credit sets the rate
Stronger credit gets a lower interest rate. Rebuilding credit can still get approved, it just costs more, and you’ll see the real numbers before you sign anything.
Down payment isn’t always required
You usually only need money down when the vehicle costs more than what you’re approved for. Pick the right vehicle and that gap can disappear.
Some vehicles are harder than others
Trucks are the toughest to finance while rebuilding credit. If one isn’t realistic yet, we’ll tell you straight and show you what is, instead of wasting your time.
Three steps from here to keys in hand.
Tell us where you’re at
Three quick taps and your number. That’s genuinely enough to start.
We call you
Usually within the hour during business hours. A real conversation, not a script.
Vehicle and loan, matched
From our lot or found for you, with financing that fits your actual budget.
What people ask before they reach out.
Are you a lender?
No. We match you with the lender that fits your situation and handle the vehicle side too, so you’re not bouncing between a bank and a dealership.
Do you actually have vehicles, or just loans?
Both. We carry our own inventory, and when we don’t have what you want, we source it through our dealer and wholesale network.
Can you find a specific vehicle for me?
Yes. Give us the make, model, year range, trim and colour you want and we’ll go find it.
Will filling out the form hurt my credit?
No. Sending your information has zero impact on your score. A lender only checks your credit later, and only with your permission.
Can you guarantee I’ll be approved?
Nobody honest can guarantee approval. What we can promise is that we’ll send your file to the lenders most likely to say yes for your situation and tell you straight what’s realistic.
Is there a fee to apply?
No. Applying and talking with us costs you nothing.
What areas do you serve?
Alberta, British Columbia, Saskatchewan and Manitoba, plus the Yukon and Northwest Territories.
Your key is closer than you think.
Three taps and a phone number. We’ll take it from there.