How it works
Simple…we will help you expedite the entire financing process and get you the best interest rates possible. By now, you already know where banks stand when it comes to lending. No matter how big or powerful your bank is, they are usually unwilling to help you if your credit is less than perfect.
To complicate things even more, most dealerships offer limited options when it comes to securing the “best” finance program and vehicle for customers with poor, limited or bad credit.
Luckily, we can help you overcome these restrictions by partnering with various accredited lenders who provide options for people with credit issues. We look into the future, and not the past, and have been able to help many Canadians become proud owners of new vehicles that fit both their situation and their budget.
Using Free Auto Credit will expedite the lending process by eliminating the many complicated forms and questionnaires you see on other online web sites. We personalize our service with every client to ensure security and transparency. The only details we require are those that we need to obtain a loan approval for you.
These details usually include your location and time at residence and your current employer and income. Armed with this information, we can go to work to get you the best vehicle, and the best financing terms and interest rates. We do not share your information with other auto dealerships we are your dealership. We will be transparent during the entire transaction and will take you from beginning to end.
No, we process loans ranging from $3500.00 to $100,000.00. The loan amount is usually determined by the year and type of vehicle you want to purchase. Usually, your pre-approved amount will be determined by our finance partners looking at several factors including your credit circumstances and the current market value of the vehicle. Once these details are assessed you will be pre-approved to purchase any vehicle that is within this budget.
You can complete our application in less than three minutes. We will contact you immediately after we receive your application, then submit to our lending partners minutes after. In most cases the entire approval process will be less than 24 hours.
We offer flexible financing terms that are provided by our lenders and coincide with current Bank of Canada lending rates. Conditions for approval are unique to each application and will depend on your credit score and history.
Yes we do. We handle your application from submission to approval to the delivery of the vehicle. We work closely with our lending partners to ensure you get the fastest approval and best interest rates based on your circumstances.
Yes it is. However, you still need to check in with the company providing you the finance just to be sure.
Since the credit bureau is usually informed about all vehicle purchase in the country, it’s not impossible to restore a bad credit, especially when you keep to your payment schedule.
You can find our headquarters in 6740 Johnstone Drive Red Deer, AB Canada T4P3Y2. Our office hours are Our phone numbers
We cover almost every part of Western Canada. Regardless of your City, area or Province, we can arrange either delivery or pick-up of your new vehicle.
Our Office Hours are:
Monday – Thursday 8:30 AM – 8:00 PM
Friday & Saturday 8:30 AM – 6:00 PM
Contact us by e-mail or phone:
Toll-Free: 1 833 309 3733
Local: 403 309 3733
In an effort to make things as easy as possible for our customers, we gladly accept trade-ins when offered. In fact, in many cases, we have used it as a down payment for some people in order to reduce their monthly payments.
It is still possible to get approval through us even after being turned down, although your options may be somewhat limited.
Once we secure an approval, you will be provided with the exact terms and conditions of the loan. Based on the information you’re given, it will be left to you to decide whether you want to proceed with buying that particular vehicle or not.
We do not have any requirements that stop any person from approaching us for help in getting an auto loan.
We accept applications from everyone regardless of their credit status as long as they are Canadian citizens or permanent residents. We also require all applicants to belong to the age of majority in the province where they are currently living.
Yes, this will be required as part of your application and has to be done before you can be granted approval. Someone from our office will contact you prior to pulling a credit report to ensure we have your signed consent to do so.
Simple-you can opt out…no strings attached.
When you apply with us, you are not obliged to purchase a vehicle. After our partners work out your options, it is up to you to decide whether you want to go for it or not.
We do not force you to make any purchase, and you are 100% free to do whatever you decide.
While we don’t always ask our customers for a down payment, we often encourage them to make one if it’s possible. This way they will be able to pay a smaller monthly payment, reduce overall interest charges, and also off the loan quicker.
Of course you can go through the whole process without ever needing a co-signer. However, this usually depends on the information we gather from your entire application.
We neither charge you for your applying with us or matching you with the right partner. Like we mentioned earlier, application and enquiry are all FREE and you are not obligated to purchase a vehicle. In other words, you have absolutely nothing to lose but and everything to gain!
Sure, we do assist people with financial conditions of insolvency.
As mentioned earlier, we have partners who offer special financing programs to people with poor or no credit, including those in bankruptcy.
It may a little longer for some people in bankruptcy to acquire a vehicle because chartered banks and other lenders often ask for additional information. We will fight hard to provide you with options that are tailored to fit both your budget and your requirements.
Vehicles and Payment Details
Our inventory include all vehicle types, ranging from SUVs, small cars, and especially Trucks. Once we determine the vehicle type and price point, we will present you with various options including year, make, model and trim level.
Yes. We have 250 – 300 pre-owned vehicles in stock at any time, and can source any new vehicle you may be looking for.
We will be happy to provide you with pricing determined by our current inventory, or prices based on current fair market value. Our job is to connect you with the right financing package based on the information you provide us with, then go to work to find you the exact vehicle you are looking for. Our inventory changes daily, but we always have 250 – 300 premium used vehicles for you to browse.
Interest rates are determined by our lending partners. We will be happy to advise you on current interest rate trends upon request. Since we do not provide the loan, we can’t determine the exact interest rates as there is other factors that may come into play. Interest rates fluctuate based on the the Bank of Canada Prime rates, and subsequent rates offered by lenders based on your individual credit profile. We also know that interest rates for specific loans are usually influenced by several factors including the nature of the approval and the total amount you are looking to borrow.
The services we offer are 100% free and secure and we are here to help make getting approved for an auto loan as easy as possible. If you have any further questions, please feel free to contact our customer support team at
Toll-Free: 1 833 309 3733
Local: 403 309 3733
You will always hear back from us within 24 hours, or up to 48 hours if your application was received on the weekend or a holiday. We always make sure to follow up regularily and keep you up-to-date with the status of your loan application.