Our services are applicable whenever your client has a vehicle payment(s) they'd like lowered or if your client is looking for an alternative source of funds.

No catch! The only stipulations are that the vehicle must be within seven model years and have less than 200,000 km to qualify.

We offer 8.99% (OAC) for all loans amortized under 84 months (for longer terms, there is an interest rate premium). All our loans are placed with a major financial institution and all loans are open, meaning that they can be paid off early without penalty.

The best way to connect us with them is to send us an application through our website. Once we receive the application, your client will be asked to provide their consent and personal information so we can proceed with the file.

Once we get the information back from your client, we can often offer same-day approvals. Deals are usually funded within 3-4 business days of our receipt of the clients' completed application.

This entirely depends on when the lender provides their credit bureau updates, but on average it is reflected the following month.

Dealers often buy down the rates from the banks and build this cost into the sale of the vehicle which is how they're able to market such low-interest rates. The actual cost increase should be minor, and as our loans are all open, they can be paid off early without penalty which reduces the total interest paid on the loan.

Provided their family member has established credit, satisfied the loan requirements, and resides in the same province, yes!

Do you charge the client for your service? We charge a flat rate of $899 which is incorporated into the new loan amount. The client does not get charged a thing if they do not go ahead with the offer. Once they accept the new terms, they will simply see our $899 as a fee on the Bill of Sale; if they were financing a $20,000 vehicle, the new financed amount would be $20,899.

We use a similar underwriting process that is not strictly score based and therefore we can work with anybody who has a score of 600 or above. Most clients that are qualifying on the A-side of lending should be able to work with our program. If you are trying to help a client with future mortgage potential, we have a program for that as well.

Currently, the only other option is for your client to trade in their vehicle (for pennies on the dollar) at a dealership, and perhaps even finance at a higher rate, a lesser vehicle. We want your client to get approved for their dream car.