Yes. Car title, car collateral and car equity loans are secured by the value of your vehicle, so your approval depends mainly on your car and your ability to repay, not only on your credit score. Bad credit, no credit history, bankruptcy and consumer proposals are all welcome to apply.

Yes. You keep your vehicle and continue driving it as normal while you repay. We hold the title as security until the loan is paid in full, and then it is returned to you.

You can borrow from $1000 up to $25,000, with repayment terms from 1 to 48 months. The amount you qualify for depends on your vehicle’s value, your income and the term you choose. Use the loan calculator above to see your estimated payment before you apply.

Most approvals take about an hour once your documents and vehicle details are verified. If you apply early on a business day and complete verification promptly, funds are typically sent the same day. Applications submitted later in the day are usually funded the next business day.

You will need a valid government-issued photo ID, your vehicle’s ownership (title) and registration, proof of income, proof of insurance, an active Canadian bank account and proof of BC residence. We will also do a quick check of your vehicle to confirm its value.

Contact us before the due date and we will work with you on a solution, such as a modified payment arrangement. Because your vehicle secures the loan, missed payments can put it at risk, so talking to us early is always the best way to avoid that. Please read your loan agreement carefully before signing so you understand all terms.