Simple, Fast & Secure
99% Approval Rate - Bad Credit Accepted
100% Secure Credit Application
Loans Approved Within 2 Business Days
128 Bit Data Encryption
Get Approved for a Car Loan Now!
A bad credit history shouldn't stop you from financing your new or used vehicle.
Simple, Fast & Secure
Here's how it works
1 | APPLY
We’ve designed our Financial application with you in mind. Our online application only takes 60 seconds to fill out and your information is completely secure.
2 | APPROVED
After your car loan application has been submitted, our team works with you to get an auto loan. Our expert team will help guide you and get you approved as quickly as possible.
3 | DELIVERY
Once you're approved, our team will gladly help you get into your new car! It's as simple as that.
Reviews
We are committed to making you a long-lasting customer and friend.
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After losing all hope and out of desperation I applied …Within 24 hours I was approved!!!
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Great customer service. Easy to work with. Gave me options and got me into a great vehicle at a reasonable price. Will definitely purchase through them again.
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Did the application online received a call the same day. Due to my credit rating I wasn’t sure I would get approved but Brandy was able to get an approval and find me a truck that worked within my budget. All the people I spoke with at the store are amazing. After delivery I noticed some issues with the truck and the next morning I called John and [...]
FAQs
- What is the minimum monthly income required to be approved?
- What do I need to get a car loan?
- What happens with my personal information?
- How does applying online affect my credit score?
- Am I able to choose the type of vehicle?
- How long does the process take?
- What will my interest rate be?
- If I have been bankrupt can I get approved?
- What is a credit score?
- Can I get an auto loan even though I have poor credit?
What is the minimum monthly income required to be approved?
$2000 gross (before taxes) per month. If you earn less than this amount a qualified co-signor will be required.What do I need to get a car loan?
Proof of income
Most recent paystubs OR
Most recent NOA (notice of assessment) OR
Last 3 months of bank statements
Valid driver’s licence
VOID cheque or PreAuthorized debit form
Insurance info (broker’s name and phone number)What happens with my personal information?
We are not in the business of selling or sharing your information. This information is kept private and confidential within Parry Sound Auto Credit.How does applying online affect my credit score?
Once we receive your application we will review your credit details with you to determine the best lender to utilize for your approval. Some companies will submit your application to many lenders affecting your credit score in a negative way. We do not take this approach! Our consultants keep you advised of the lenders we use and our goal for which lending partner is the best solution. This is very important.Am I able to choose the type of vehicle?
Parry Sound Auto Credit is a division of the three dealerships including Parry Sound Chevrolet Buick GMC so we have an extensive new and used vehicle inventory. However, if you do not see a vehicle you like in our inventory our consultants will source it for you.How long does the process take?
The sooner you apply online the faster you will get a response from a Parry Sound Auto Credit consultant who will process your application for an approval, source the vehicle that fits your needs and budget, and then organize delivery.What will my interest rate be?
Interest rates are determined by several factors:
Credit history
Employment history
Age of vehicle
Downpayment
Our consultants are driven to getting you the best auto loan possible with the best interest rate which allows them to source the best vehicle for you.If I have been bankrupt can I get approved?
If you have been discharged from a bankruptcy or are currently in consumer proposal or discharged we can help. Even if your discharge is recentWhat is a credit score?
A credit score is sourced from a credit bureau report such as Equifax or Transunion. The score on your report is designed to quickly assist financial institutions in predicting the amount of risk associated with a major purchase. The lower your credit score relates to a higher risk and a higher credit score shows the lender a lower risk.Can I get an auto loan even though I have poor credit?
Most of us have experienced difficult times however, that does not make us bad people. We specialize in working with our many lenders to obtain the best auto loan solution for you. We realize each customer’s situation is different and so do our lenders. Let our expertise with our lending partners work for you in obtaining the best auto loan approval.
FAQs
What is the minimum monthly income required to be approved?
$2000 gross (before taxes) per month. If you earn less than this amount a qualified co-signor will be required.
What do I need to get a car loan?
Proof of income
Most recent paystubs OR
Most recent NOA (notice of assessment) OR
Last 3 months of bank statements
Valid driver’s licence
VOID cheque or PreAuthorized debit form
Insurance info (broker’s name and phone number)
What happens with my personal information?
We are not in the business of selling or sharing your information. This information is kept private and confidential within Parry Sound Auto Credit.
How does applying online affect my credit score?
Once we receive your application we will review your credit details with you to determine the best lender to utilize for your approval. Some companies will submit your application to many lenders affecting your credit score in a negative way. We do not take this approach! Our consultants keep you advised of the lenders we use and our goal for which lending partner is the best solution. This is very important.
Am I able to choose the type of vehicle?
Parry Sound Auto Credit is a division of the three dealerships including Parry Sound Chevrolet Buick GMC so we have an extensive new and used vehicle inventory. However, if you do not see a vehicle you like in our inventory our consultants will source it for you.
How long does the process take?
The sooner you apply online the faster you will get a response from a Parry Sound Auto Credit consultant who will process your application for an approval, source the vehicle that fits your needs and budget, and then organize delivery.
What will my interest rate be?
Interest rates are determined by several factors:
Credit history
Employment history
Age of vehicle
Downpayment
Our consultants are driven to getting you the best auto loan possible with the best interest rate which allows them to source the best vehicle for you.
If I have been bankrupt can I get approved?
If you have been discharged from a bankruptcy or are currently in consumer proposal or discharged we can help. Even if your discharge is recent
What is a credit score?
A credit score is sourced from a credit bureau report such as Equifax or Transunion. The score on your report is designed to quickly assist financial institutions in predicting the amount of risk associated with a major purchase. The lower your credit score relates to a higher risk and a higher credit score shows the lender a lower risk.
Can I get an auto loan even though I have poor credit?
Most of us have experienced difficult times however, that does not make us bad people. We specialize in working with our many lenders to obtain the best auto loan solution for you. We realize each customer’s situation is different and so do our lenders. Let our expertise with our lending partners work for you in obtaining the best auto loan approval.