Most customers can get approval results in less than 5 minutes, and it doesn't impact your credit score. Here's how you can get started:
It's easy to get approved no matter where you are on your shopping journey. Just getting started? Get approved here to understand what you can afford. If you've already found your perfect car, you can get approval terms on that car.
Enter your preferred down payment and get your approval terms from our finance sources in minutes. You can include a co-buyer in your request, which may help you receive more favorable terms..
See estimated terms on all vehicles when you get approved, including the monthly payment and APR. You can adjust filters like your down payment to see how it impacts your terms.
No impact on your credit score!
We want the entire process to be pressure-free; that's why we have a one-price strategy, meaning it doesn't matter what financing rate you qualify for, the price of the car stays the same. Get the car you want and a bit of extra money in your pocket.
We aren't strangers to any situation. If you've claimed bankruptcy, gone through a divorce, do seasonal employment, are new to Canada, or have another unique situation, we have a financing option for you.
We aren't the typical shady dealership and have a financing program designed to help those with some "not-so-good" credit scores approved while being able to offer those with great credit the lowest interest rates out there.
Save yourself the hassle of talking to a pushy salesperson at those other dealerships and browse our archive of frequently asked questions. From interest rates and car buying to credit history and everything in-between. This is the place you will find answers to whatever's on your mind about shopping for auto loans online.
Absolutely. We have multiple financing options for you and in addition to working with some of the big banks, we also have FFUN Cars Financing, a division of FFUN Motor Group. In most cases, it only takes a few minutes to get your vehicle financed and you on your way.
Just like any loan you apply for, financing your car does involve reviewing your credit report as part of the application. When getting vehicle financing, credit reporting systems recognize that it is most likely for comparison purposes, so all auto-related financing inquiries are considered one inquiry if they are done within 14-45 days.
Whether this is your first car or tenth, all FFUN Cars customers get the same experience, including car shopping convenience, non-commissioned salespeople, and no-haggle pricing.
You bet. We want to help you with your credit situation, not punish you. All of our customers, no matter their credit situation receive the full FFUN Cars experience.
Sure, if you want but know that it's not needed. We work to get you approved on your own, without having to ask a friend or relative to co-sign. If you are interested in having a co-signer, we can walk you through what that looks like for you and the co-applicant.
That's great that you were able to get finance elsewhere. To complete your vehicle transaction, we will need you to provide a certified bank draft, cheque, or other proof of financing. We're happy to help with any of that.
100%. If you can get a better financing rate within three days, we will gladly help with the switch at no additional cost to you.
Nope. The price you see is the price you pay. All of our team is non-commissioned so they can focus on helping you find the right car and not the price of it. We're transparent and offer a no-haggle experience.
We have a great relationship with all the major Canadian financial institutions, plus we have our own in-house financing as an option.
You bet it is possible. You are going to get the "oh shoot" message when completing the approval form, but not to worry, one of our fabulous Customer Experience Specialis will contact you and get all the details to move your application forward.
You don't need to have a down payment, but if you do that's great. We want you to be happy with your purchase and your monthly payments, so down payment or not, we'll get you in that car you love.
Sure! A car loan is a great way to start building your credit and we have managers to help you with this type of financing.
We can't guarantee we can lower your interest rate, but we will try. If you've been paying your auto loan on time at a higher interest rate, let us help to try and get that lowered. Come back to us for another vehicle and will get you an even better rate on that one.
Well that part is easy, just go to our approval page!
At FFUN Cars, with our fancy technology, you get to see your REAL personalized terms as you shop. No matter where in askatchewan you happen to call home, you get the best rates on used cars that are relevant to you. All with NO impact on your credit score. Our Customer Experience Specialis are available to help you through the process too, answering all your questions until you drive away.
Keep in mind, for now we are only available in askatchewan, but stay tuned cause we are expanding faster than a bag of microwave popcorn!
Dealerships make you wait hours to see what you might qualify for, and that is only after you agreed to purchase the vehicle. Here is the cool thing about FFUN Cars, you can see what interest rate you will receive without having to do all that paperwork and wait around at the dealership. We give you your personalized rate in seconds, with not who effect to your credit score. Interest rates vary depending on your credit history. Generally speaking, the better your credit report, the lower the rate. But let us check it out, since it is free. Get approved now and see what your personalized rate might be, tap here: Approved Now!
A lot. FFUN Cars works with all major lending institutions in Canada. And this network of lenders provides seamless financing arrangements and competitive rates without the need to shop around. These include, but are far from limited to:
As much as we like to rely on technology, sometimes it cannot handle all those intricate details that make us… well, humans. Sometimes we just need one of our Customer Experience Specialist to fill in a couple of the gaps to make sure we are not providing you with some faulty numbers. But no worry, we can get your personal rates sorted out lickety-split.
Chat with our team to learn more about your situation anytime.
Nope, we stand by our impressive technology. Once we give terms through approval, terms will stick assuming all the information you provided was correct.
We have nothing to hide. We just do not charge you inflated fees for things you do not need. Documentation fees, detailing fees, the list literally goes on forever with nothing to show for it. So we skipped all of them.
The good news is, we bring your vehicle and the contract right to you. So all you need to do is dig through your drawers or computers and have the following info ready.
If you are having trouble tracking some of this down, not to worry. Your customer guide is here through the process to make it simple and easy.
You will have 29 days to make your move. Though if you are a procrastinator, no worries, you can get approved again after that. Always, with no impact to your credit score.
When applying for a loan, it is important to know your gross income. It is your total yearly or monthly income before any taxes are deducted. Banks and lenders use this calculation to determine the loan amount you can afford. Keep in mind that this is always higher than your 'net pay' or 'take-home' pay -- which is the money you have to spend after government taxes. If you have questions about where to find your gross income, just chat, call, text or email with one of our Customer Experience Specialist.
No, unlike a lot of car dealers, giving out your SIN is not mandatory to be Approved with FFUN Cars. Save that for somewhere down the line when you are more comfortable with us and have found the car of your dreams
We have specific programs that help New to Canada, first time buyers and everything in-between. You are going to get the "oh shoot" message when completing the approval form, but not to worry, one of our fabulous Customer Experience Specialis will contact you and get all the details to move your application forward.
Absolutely. If you hit the jackpot and come into some extra cash, feel free to pay off your auto loan in full. Makes no difference to us. You can even call the bank to increase your payments if you like. The choice is up to you. We love to live life in the fast lane.
Calculating interest is…interesting. In its simplest form, interest is calculated by multiplying the principal loan amount by your interest rate by the time period of the loan.
But every day that calculation changes. This is the complicated kind of topic we let hotshot bankers deal with or use the next best thing, consult with our trusty friend Google. Your best bet is to do the same.
You have the option to pick the dates you want to make your payments. Most people set it up to happen just after their payday.
If you want to get technical, banks usually set up a condition for bi-weekly, semi-monthly, or monthly payments. That condition is simple: your first payment needs to happen between 14 and 21 days after you have signed the contract that defined your loan terms.
If it is set up as a monthly payment, then the numbers for your first payment change to 30 and 45 days from when you first sign.
Remember, you can always call us or your lender to setup up new dates once you have made your first payment. It's usually a pretty flexible process.
Of course not. The choice is yours. In fact, if it is easier we will work directly with your bank. Our Customer Experience Specialist can help with that too.
That one is easy. If it is your personal bank, just log online and find all of your details there. If your loan was through a different bank than you normally deal with, just give them a call or ask one of our Customer Experience Specialis and they can walk you through it. Financial institutions are great that way. You should have no trouble at all viewing the details, transferring money, or having someone give you the info you need.
This is a common question, and actually pretty simple. We pay off your old loan and your remaining balance can be added to your current payment plan. How great is that!
Nope, not if you do not want to. But in some cases to qualify for specific vehicles or programs, the bank may require a down payment. If you have some extra cash laying around it will help lower your payments. Just keep in mind, the minimum banks usually finance is around $7,500, so use that magic down payment to your advantage.
Nope. Not if you don't want to. But if you choose to finance outside of FFUN Cars, you may need to do a few extra things for your loan, including hitting up your local bank branch to sign all the loan documents and other paperwork.
First off, congrats on having excellent credit. We are sorry you don't love the interest rate as much as you love our cars. Our rate of 7.99% is the most common one we provide online. However, we want you to be fully happy, so the good news is, we have other lenders that can often offer a better rate. Connect with your Customer Guide, and they will be happy to assist you.
The majority of our customers choose bi-weekly payments, that's why it's presented. If you prefer to pay monthly, YES, you absolutely can. Your awesome Customer Guide will be able to help you set that up.
