The basics
Why Choose The Auto Providers?
What are your hours of operation?
Will this help re-establish my credit?
What are your terms and conditions?
How much will your services cost me?
How long does the process take?
Car Loans
What are the available terms for a car loan?
Are short-term or long-term loans better?
Requirements
What are the minimum requirement to get approved?
What kind of information do you need?
Do I have to do a credit check?
Bad Credit
Can you help if I’ve been turned down?
I am bankrupt. Can you help me?
What is the bad credit program?
Payments & Rates
How much auto financing can I qualify for?
More
Do I get to select the car I want?
Why Choose The Auto Providers?
For over ten years, we’ve helped thousands of customers secure affordable auto loans when banks have turned them down. We specialize in helping people with bad credit, no credit or those who have gone through bankruptcy. With thousands of vehicles to choose from, we’re confident that we can get Canadians into affordable cars, minivans, trucks and SUVs.
Where are you located?
Our main offices are located in Toronto, Ontario and Vancouver, British Columbia. We offer our services to most Canadian cities and provinces. It is more than likely that we have dealer partners located near you.
What are your hours of operation?
We are open Monday to Friday 9am - 11pm (EST) and from Saturday to Sunday 9am-9pm (EST).
Will this help re-establish my credit?
Unless otherwise specified by your finance provider, when purchasing a vehicle, your payments are reported to the credit bureau. If all payments are made on time, this has the potential to repair and re-establish your credit.
What are your terms and conditions?
You can find our terms and conditions here. Please note that conditions may vary depending on your financial situation (bad credit, no credit, bankruptcy, etc.)
How much will your services cost me?
Our services are 100% free. At The Auto Providers we work hard to provide affordable options for our clients. Remember, there are no obligations after you’ve completed the application. You are not required to commit to anything until you’ve found a deal that fits your needs.
How long does the process take?
The application form takes 60 seconds to complete. After submitting your requirements, we will match you with an experienced dealer partner who will get in touch within 24 to 48 hours.
What is a car loan?
When leasing or financing a new or used vehicle, a car loan allows you to pay off your vehicle in monthly payments instead of all at once. In exchange, you accept to pay interest on the loan each month to compensate for the lender’s services.
What are the available terms for a car loan?
Most car loans in Canada are structured with 12-month increments. New car loans average in between 36 to 72 months, while used car loans average between 36 and 48 months. At The Auto Providers, each plan is customized to fit your needs and takes your monthly budget into consideration.
Are short-term or long-term loans better?
A long-term loan means lower monthly payments, but a higher overall loan cost due to increased interest rates. A short-term loan means higher monthly payments, however the overall loan cost will be reduced based on lower interest. Every decision should be based on your unique situation while taking into considering your budget.
What are the minimum requirement to get approved?
The minimum requirement to apply for a car loan are as follows:
What kind of information do you need?
Our application form asks for your full name, date of birth, your location and financial circumstances. We DO NOT ask for your SIN number. This information is a requirement to get approved for a car loan.
Do I need a co-signer?
While in most cases a co-signer is not required, some situations do call for a guarantor. This will depends on the information we receive during the application process. There is no obligation to make a purchase when you find out your options, so it doesn’t hurt to try.
Do I have to do a credit check?
We do not require you to do a credit check upon applications. However, one will be required once you have selected your vehicle.
Do I need a downpayment?
We do not require a downpayment to get you qualified. In fact, most of our customers opt for $0 down options to suit their financial needs. A down payment will however decrease the amount you borrow and can shorten the term of your loan.
Can you help if I’ve been turned down?
No matter your financial situation, we specialize in helping our customers get affordable car loans, even if they have been turned down before. Please don’t hesitate to call us at 1-800-640-1316 and we can work together to find the best option for you.
I am bankrupt. Can you help me?
We are happy to help you get a new or used vehicle. We specialize in assisting people who have bad credit, have gone through bankruptcy or have no credit at all, so you're not alone! When you apply with us, we match you with a dealer partner that has specific programs dedicated to assisting people going through bankruptcy.
What is the bad credit program?
We created the bad credit program to help Canadians get approved regardless of their credit history. By working with specialized dealer partners, we find suitable and affordable options for Canadians in varying financial situations.
How much auto financing can I qualify for?
Each situation is unique, that’s why after your application is submitted, a dedicated dealer representative will get in touch to discuss the amount you qualify for. We will also help find the best solution to accommodate your monthly budget. Individuals going through bankruptcy and those with bad credit or no credit can also qualify!
What are the interest rates?
We do not provide financing, therefore we cannot maintain average car loan interest rates. This will be calculated for each person based on several factors, including the term and amount financed.
Do you take trade-ins?
We do! In fact, using your trade-in as a down payment for your new vehicles may help lower your monthly payments on a car loan.
Do I get to select the car I want?
Of course! After matching you with a qualified dealer partner, you will receive options based on the requirements you made during your application. We will also assist you in picking a vehicle that best fits your monthly budget.
Where can I view your inventory?
Once you’ve completed the application process, our qualified dealer partner will give you access to inventory in your area. From there you can choose a vehicles that fits best with your needs.
What types of vehicles do you offer?
We provide car loans for sedans, coupes, hatchbacks, minivans, trucks and SUVs. Please note that we do not currently offer motorcycles in our inventory. The choice may also differ depending on your location and affiliated dealer partner.
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