Apply Online
Fill out our simple form - it takes about 2 minutes and has no impact on your credit score.
Our Process
How It Works
Four simple steps to getting back on the road with steady guidance from a team that understands your situation.
Clear, supportive steps
How It Works
Four simple steps to getting back on the road.
We Review Your Situation
Our team personally reviews your application and matches you with the best lending options from our 15+ partners.
We Match You With a Lender
We negotiate on your behalf to find the most competitive rate and terms for your situation.
You Drive
Find the right vehicle for your needs and budget from our quality selection across Vancouver Island.
Helpful answers
Frequently Asked Questions
Straight answers about the process, timing, and what to expect next.
What credit score do I need to apply?
There is no minimum credit score required. We work with all credit situations - whether you're rebuilding after a bankruptcy, consumer proposal, or just starting fresh. Our lending partners specialize in credit challenges.
Will applying affect my credit score?
No. Filling out our online form does not trigger a credit check or affect your score in any way. A credit inquiry only happens after you've spoken with us and agreed to move forward.
How long does the process take?
Most applicants hear back from us within one business day. If your application is successful, we can often have you driving within a few days depending on your preferences and availability.
What documents will I need?
Typically we'll need proof of income, valid ID, and proof of address. We'll let you know exactly what's needed based on your specific situation.
Can I choose my own vehicle?
Absolutely. We offer a wide selection of quality used vehicles across the Harris Auto Group dealerships on Vancouver Island. You pick the vehicle that works for your needs and budget.
What if I've been bankrupt or had a consumer proposal?
We have extensive experience helping clients who've been through bankruptcy or consumer proposals. Many of our lending partners specialize in exactly these situations. Your past doesn't define your future with us.
Ready to Take the First Step?
It's free, confidential, and won't affect your credit score.
Start Your Application