Frequently Asked Questions
Do I need money down?
–The simplest answer is not always the best. The truth is that with an appropriate amount of money down you will see better terms and rates accordingly. With money down you reduce the amount of risk associated to any financial dealings which is better for you as a customer/business owner, and a lender that you deal with. With that said, no not always. Every situation is different and we can understand that. Remember though, that we know we work for you the customer and we’ll do our best to meet your needs.
Can I apply for financing or leasing under my companies / small business’ name?
–The answer is yes. There are several ways to do this. If you are a company just starting out you may need to provide either a financial commitment (Cash, property or equipment as security. Etc.) provide a sufficient cosign with the company to offset any risk a lender may see, or a combination application to see what needs to be done. Our lease to loan program is perfect for businesses established or not!
I have never had credit before; can I still qualify for some kind of loan?
–Yes you can! There are many ways to still receive a loan for little or no credit customers. Automotive financing is one of the best and fastest ways to build or establish credit. This can lead many exciting possibilities on your road to credit success.
What interest rate will I be getting on my loan?
–Rates start from 0.9% OAC and will change based on what vehicles / equipment we are trying to finance, personal credit situation ect. It’s as simple as filling out a credit application to find out what you qualify for.
I have had a bankruptcy, are there still options for me?
–At some point we all need a second chance, and yes we can provide that for you. We can even secure prime rates with enough security / collateral or down payment.
Will a cosigner help?
–This is also a tough one to answer, a lot of companies simply say yes. The truth depends on what we are trying to accomplish, how long we want to finance, and if we are able to find a plan that will work for you on your own. Sometimes it is better to bite the credit bullet and do it on your own. Contact us to find out more on how we can help!
What kind of vehicle do I qualify for?
–Believe it or not with the correct plan possibilities are almost endless. Dreams can come true with careful financial planning, we can show you what you would have to do to get your dream vehicle.
What are the Minimums I need?
–All the tough questions! It can vary from situation to situation, it may include having a percentage down, a job, 18 years old, and have a driver’s license. Your best bet is to contact us and see what you need.
I need something today, can it be that fast?
–Absolutely, the application process can be less than an hour, if you’re in a bind we are the people you want to call.
What does “You Find it We Finance It” mean?
–Great question, it means exactly what it says. If you have your dream machine staring at you, and just need a hand to make it yours, we can buy it into our inventory and provide the means to get the keys in your hand! We also have hundreds of vehicles to choose from and will also help in assisting you find the perfect vehicle if need be!
Where are you located?
–17817 Stony Plain Rd. Edmonton, Alberta
Wait, I am in Saskatchewan, can you help me?
–Yes! We service all of western Canada!
Oil Field / Small business
We specialize in helping and assisting those working in oil patch. Everything from trucks, vans, to equipment. We’re here to help you get the vehicle and equipment you need to get the job done. This can include trailers, welding rigs, equipment, and flat decks. If you have a business that is in need we’re here for you.
We have the availability of several financial sources including some of Canada’s top banks, not to mention that we are a lending institution ourselves. This gives us the ability to extend the best possible options to our customers, regardless of purchase, lease, car, truck, van or heavy duty equipment.
Get Pre-approved credit!