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100% Guaranteed Car Loan Approval - Be on the road in less than 48 hours!

Frequently Asked Questions

Q: How much money can I borrow?
A: Any amount from $5000 - $45,000, depending on your ability to repay. If the vehicle you desire is more money than this, you can make up the difference with your down payment.

Q: What happens if I complete the application form and then I change my mind?
A: By completing our online application you are under no obligation to proceed.

Q: How confidential is my application?
A: All applications are treated in the strictest confidence only used to get your car loan approved.

Q: What type of Automobile can I buy?
A: Calgary Car Financing's network of car dealers and lenders provide auto loans for the purchase of New or Used - cars, trucks, minivans and SUVs. All makes and all models. (We cannot finance motorcycles)

Q: What do I need in order to get a loan?
A: A valid driver's license, Proof of income (can be bank statements, pay stubs, tax records), Proof of residence & Current automobile insurance.

Q: Will I need a down payment?
A: In most cases we can get you approved with no money down.

Q: Can I qualify for a used car loan with a bankruptcy, consumer proposal or repossession?
A: Yes, you can qualify as long as you have not had a vehicle repossessed within the last twelve months.

Q: Do bad credit auto loans help me to repair or fix my credit?
A: Yes, All our lenders report to the major credit bureaus. As you make regular monthly payments this activity is reported to the three major credit bureaus and your credit will slowly improve.

Q: Is there any cost to apply and am I obligated to purchase if approved?
A: No, This is a completely free service. You are under No Obligation to take the loan approval or purchase a vehicle

Q: Will I require a Co-Signer?
A: Everybody's financial situation is unique. If your credit is not too bad or your financial situation indicates you will able to afford the monthly new car loan payment you may easily qualify without a co-signer.

Q: How do I apply for bad credit auto loans?
A: Go to our online application.

Q: Can I choose to purchase either a New Car or Used Car?
A: Our network of franchise auto dealers handle both new and used vehicles. Your local dealer will work with you to put you in a vehicle that you choose.

Q: How long does it take to receive a response to my auto finance application?
A: In most cases you get approved with hours. Please be advised it may take longer if you applied on a weekend or holiday.

Q: What will the interest rate be on my auto loan?
A: Your auto loan rate will be based on a number of factors including, credit score, past credit history and loan type.

Q: I have Poor Credit, can I still get a used car loan?
A: Yes you will qualify for a car loan if you can prove income.

Q: Can I apply if I don't have any credit?
A: Yes, our lenders offer a number of financial programs which are designed for first time auto buyers who have no credit.

Q: What happens if I take ill or have difficulty in making the repayments?
A: Our lenders can arrange comprehensive insurance policies to help you should the worst happen.



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