Customer Satisfaction

Financing or leasing a car when you have bad credit can be a scary and intimidating process – but it does not have to be that way. We understand the needs of drivers with bad credit, and we specialize in helping those drivers approved for a vehicle. We are committed to offering Canadian drivers a chance to build their credit, repair their damaged credit, or get the fresh start they need. Our vast experience can help you succeed. Our application process is designed to be straightforward, easy to understand and as simple and painless as possible. So why wait – start the process today. Just tell us a little bit about yourself, the type of income you are getting regardless of your income source, whatever money you earn on a regular consistent basis are considered as an income. Approval details Interest rate, down payment, and loan repayment terms will vary based on the vehicle selected and the credit worthiness of the applicant. I authorize On the Spot Financial and participating auto dealer to retain this application, to rely on the foregoing, to check and verify my credit, employment, and salary history. Final approval is subject to verification of employment, income, tenancy, and insurance by a participating lender. Verifications must satisfactorily support the information participating lender received and upon which relied in reaching their decision to pre-approve the buyer. If the information verified is different from originally received, lender may alter or reject the pre-approval. On the Spot Financial is not a lender and does not make loans or credit decisions in connection with our service, we are a Lead Generating company that shops on behalf of buyers for best deals possible depending on their credit situation.

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We understand the needs of drivers with bad credit. Start the process today!

Online Application

Financing or leasing a car when you have bad credit can be a scary and intimidating process – but it does not have to be that way. We understand the needs of drivers with bad credit, and we specialize in helping those drivers approved for a vehicle. We are committed to offering Canadian drivers a chance to build their credit, repair their damaged credit, or get the fresh start they need. Our vast experience can help you succeed. Our application process is designed to be straightforward, easy to understand and as simple and painless as possible. So why wait – start the process today. Just tell us a little bit about yourself, the type of income you are getting regardless of your income source, whatever money you earn on a regular consistent basis are considered as an income. Approval details Interest rate, down payment, and loan repayment terms will vary based on the vehicle selected and the credit worthiness of the applicant. I authorize On the Spot Financial and participating auto dealer to retain this application, to rely on the foregoing, to check and verify my credit, employment, and salary history. Final approval is subject to verification of employment, income, tenancy, and insurance by a participating lender. Verifications must satisfactorily support the information participating lender received and upon which relied in reaching their decision to pre-approve the buyer. If the information verified is different from originally received, lender may alter or reject the pre-approval. On the Spot Financial is not a lender and does not make loans or credit decisions in connection with our service, we are a Lead Generating company that shops on behalf of buyers for best deals possible depending on their credit situation.
Financing or leasing a car when you have bad credit can be a scary and intimidating process – but it does not have to be that way. We understand the needs of drivers with bad credit, and we specialize in helping those drivers approved for a vehicle. We are committed to offering Canadian drivers a chance to build their credit, repair their damaged credit, or get the fresh start they need. Our vast experience can help you succeed. Our application process is designed to be straightforward, easy to understand and as simple and painless as possible. So why wait – start the process today. Just tell us a little bit about yourself, the type of income you are getting regardless of your income source, whatever money you earn on a regular consistent basis are considered as an income. Approval details Interest rate, down payment, and loan repayment terms will vary based on the vehicle selected and the credit worthiness of the applicant. I authorize On the Spot Financial and participating auto dealer to retain this application, to rely on the foregoing, to check and verify my credit, employment, and salary history. Final approval is subject to verification of employment, income, tenancy, and insurance by a participating lender. Verifications must satisfactorily support the information participating lender received and upon which relied in reaching their decision to pre-approve the buyer. If the information verified is different from originally received, lender may alter or reject the pre-approval. On the Spot Financial is not a lender and does not make loans or credit decisions in connection with our service, we are a Lead Generating company that shops on behalf of buyers for best deals possible depending on their credit situation.