From application to cash in hand
No jargon, no unnecessary delays. Here’s exactly what happens, step by step, when you apply with us.
Apply online
Fill out our secure form from your phone or computer, anywhere in BC. Tell us how much you need ($1000 to $25,000), your vehicle’s year, make, model and mileage, and your basic contact and income details. No branch visit, no faxing, no paperwork to print.
We review your vehicle
Our team reviews your application and confirms your vehicle’s value and ownership. Your car, collateral or equity loan is secured by your vehicle, so approval depends mainly on its value and your ability to repay, not only on your credit score. Bad credit is welcome.
Get your decision
Most applicants get an approval decision and a custom loan offer within about an hour during business hours. A specialist may call to confirm a few details and walk you through your rate, term (1 to 48 months) and repayment schedule before you accept anything.
Sign, get funded, keep driving
Review and e-sign your agreement online. Once signed, funds are sent by Interac e-Transfer directly to your bank account. Most applicants who sign early on a business day see the money the same day, and you keep driving your car while you repay.
What makes the process easy
Keep Driving Your Car
Borrow against your vehicle’s value and keep using it every day while you repay.
Simple Online Application
Start your application from your phone or computer in about 5 minutes.
Real Local Support
Talk to a real person by phone, email or chat when you have questions.
Clear Terms
You’ll see your rate, fees and payment schedule before you sign anything.