How We Work

The Easy Car Finance Auto Loans Process

At Easy Car Finance we place a great deal of importance on establishing or re-establishing the credit histories of all of our clients. The approach that we take is to pre-qualify our clients with the financial institutions that we will be dealing with exactly the same as you would when pre-qualifying for a mortgage.
Your first step should always be to determine a comfortable monthly payment that fits into your overall monthly budget then you can start looking for your new vehicle.

We can start the process online by having you fill out a credit application. Once that has been submitted and we get an initial approval, we will have you come in so that we can begin fulfilling the stipulations that will be set out by the lenders. At this stage, we can now start the selection process for your new vehicle!

In the meantime, we take care of the income approval step which can sometimes be the most difficult part of the process. For this we will need to know:

  • The conditions of your employment; are you working full-time or part-time?
  • How long have you been working for your current company?
  • What is your gross monthly income?
  • Are you eligible to acquire insurance?
During this part of the process, we will need to show the lenders recent pay stubs. As well, we will need to verify the information presented with your respective Human Resources departments. Once all of your information has been verified to the satisfaction of the financial institution, we move on to the final approval phase.
Once we have received final approval for your loan and you have selected your vehicle, you can expect to be driving your new vehicle within 24 to 48 hours!
Establishing or Re-Establishing Your Credit

As we stated at the beginning, establishing or re-establishing your credit history is the most part of what we do. To that end, we can assure you that every payment is reported to the credit bureau. Typically, after a minimum of 12 months of payments that have been on time and in full, we will be contacting you to discuss the possibility of buying back your vehicle and then helping to get you into a vehicle that is exactly what you want! We will work very hard to make your entire experience comfortable and easy; maybe even enjoyable! We look forward to working with you!

We work with dealers and finance companies that don’t judge you on your past, but base decisions on your ability to repay. Which means regardless of your credit history as long you meet the minimum requirements we can help

We process your application information and match you with  dealers in your area that offer the types of vehicles that you are interested in and that have the finance resources to arrange a loan for you to purchase a vehicle.  We eliminate the leg work for you and save you time and money scouring the market

Once we have established your needs, you simply complete our online finance application form and we do all the hard work in securing you an approval at competitive rates based on your circumstances.

Minimum Criteria

As Low as $0 Deposit Required!

Current Bankruptcy Accepted!

Proof of income and affordability

Canadian Resident

Over 18

Full Canadian Driving License

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