Help Center

  • Frequently Asked Questions
  • Why Use Easy Car Loan Canada?

    We are not a typical loan provider. We've built up our experience and knowledge by listening and working with clients like you closely. You won't find us being pushy or annoying. We work for you. We'll compile your application, with your assistance, fight to get you the best approval with the banks, shop for your vehicle, and deliver it right to your home.

    How long does the process take?

    Most times, We are able to get the entire process completed in 1-2 days and we keep you updated every step of the way. Depending on what type of vehicle you are looking for and how rare it is, this could take longer. We would rather spend a little extra time finding the right vehicle for you.

    How can I fix my credit?

    This is where we excel. We don't just want to sell you a vehicle, we can help you fix your credit. We've taken extra time over the years to build partnerships with people who specialize in doing just that - help you fix your credit. If you are open to it, we can guide you down the right path and people.

    Where's your inventory, it's not listed on this site?

    That's right! Rather than carrying large overhead costs such as acquiring and housing the vehicles we work with over 100 wholesalers and dealer partners who have hundreds, if not thousands, of vehicles at our disposal. Why pass the overhead cost onto you. Once we know what you are looking for and the approval we get for you, we can then get you photos, videos, and information on the right vehicle for you. In some cases, we can also arrange for you to see it in person, if that is what you would like.

    What are the interest rates?

    We have access to all major and small lenders. Rates are changing on a regular basis but we know that we can have access to the best rates every time.

    Am I obligated to purchase a vehicle if I apply?

    No. In fact, we have had clients who did not purchase a vehicle and came back after time as they remembered that we were there to meet their needs and not push them to buy. When you are ready, you are ready. And we are happy to be here to assist you anytime.

    Do I need a cosigner?

    Not always. But in some circumstances this can be required by the bank.

    What kind of information do I need to apply?

    We get to know what you are looking for. Then, we'll get your full application to get your financing set up. Our online application is a good start to get most of your information started.

    How safe is my personal information?

    Your information is safeguarded with high tech security and complies with the Equifax standards for privacy of information. Your information is kept completely confidential! Once we've completed your file, your documents are shredded right on site by a company we use called Best Shredding.

    I've been turned down before, can you really help?

    Yes, we've heard this many times from clients who doubted us. And with a little patience and perseverance, each one of these clients have been approved. If you would like to speak to them personally, we can refer you to them. They are more than happy to share their story.

    I found a vehicle I am interested in. Can you help me buy it?

    Absolutely! It's an option we've explored before with my clients.

    Do I have to do a credit check?

    Yes, a credit check is important to be able to apply to the correct bank for your circumstance. We pull all credit checks through Equifax Canada.

    What type of income do I need to get approved?

    We have gotten approvals for people earning a minimum of $1,801 per month, either through regular employment, social assistance, child tax, or any other income. It all depends on many circumstances such as your credit, down payment, total income, expenses, and openness to rebuilding credit.

    I'm in bankruptcy, can you help me?

    Absolutely - yes! We have certain lenders that like to assist customers taking their credit rebuilding seriously. In fact, not only will they approve you but they also have reasonable interest rates for you.

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