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.

You can learn about our terms and conditions by following this link. You can also find out about our privacy information here.

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.

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.

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. 

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.