Real rates, real numbers — before you shop.
Multiple lender offers side by side, the total cost of borrowing spelled out, and a pre-approval that doesn't touch your credit score.
Financing without the finance office.
I shop your application to lenders that fit your profile, present the offers honestly, and never bury fees in the payment.
Prime borrowers
Established credit? Rates from bank prime on newer vehicles, with the freedom to pay the loan down early without penalty.
Rebuilding credit
Past bankruptcy, consumer proposal or missed payments? Specialty lenders with realistic terms — and a plan to refinance to a better rate in 12–18 months.
New to Canada & self-employed
Programs that accept work permits, PR status and alternative income verification. No Canadian credit history required for some lenders.
Two-minute application
Basic details, no SIN required for a soft pre-approval.
I shop the lenders
Your file goes only to lenders that fit — one credit pull, not ten.
Offers side by side
Rate, term, payment and total cost for each option, explained plainly.
Sign & drive
Paperwork completed at the showroom or your kitchen table.
Run the numbers on any budget.
Move the sliders to see how price, down payment, rate and term change your payment. Figures include 13% HST when checked and exclude licensing.
Good to know
- A larger down payment lowers both the payment and the total interest more than a longer term does.
- Trading in reduces the HST you pay — tax is charged on the difference.
- All loans I arrange are open: pay extra or pay it off early with no penalty.
- HST (13%)$0
- Amount financed$0
- Total interest$0
- Total repaid$0
Apply in two minutes.
This is a soft inquiry — it does not affect your credit score. I'll review your details personally and call you with options, usually the same business day.
- Your information is never shared beyond the lenders you approve.
- No SIN or documents required at this stage.
- No obligation to buy.
Let's find your next car.
Tell me what you're looking for and I'll do the searching, the inspecting and the negotiating.