Finance Application

Financing Made Easy
99% approval rate, regardless of your situation, AutoZoom has a solution.
    
It's Fast

Fill out the form to get pre-approved
today. Save time and money.

 
It's Competitive

We work with leading financial
institutions to ensure you get the most
competitive rates.

 
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financing terms based on your credit
score.

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Frequently Asked Financing Questions
If you can't find the answer to your questions here, don't hesitate to call us 877-513-3160

How does AutoZoom determine financing terms and rates?
Your terms are based on your credit history, income, and the price and year of the vehicle you're financing. 

This is my first car purchase. Can I finance with AutoZoom?
Our finance sources accommodate most credit profiles. Our minimum requirements to obtain financing are as follows: you are at least 18 years old, make at least $10,000 in yearly income. 

If I have bad credit, can I still finance with AutoZoom?
AutoZoom works with all types of credit and can accommodate most credit profiles. You must have a monthly income of at least 1500$ per month.

Does getting pre-qualified impact my credit?
No, getting pre-qualified does not affect your credit score. 

How do I make my payments?
The payments will be automatically withdrew from your personal bank account. You will need to provide us a void cheque or a direct deposit form. 

Can I carry over a negative equity?
Yes. Its always conditional to the bank approval. If approved the previous debt will be added to the total amount financed on your new car loan and included in your payments. Please note AutoZoom will pay off in total your previous car loan. 

Does AutoZoom offer financing?
Yes. We offer financing through several finance sources, including AutoZoom Finance. 


Am I able to pay more than the required amount?
Yes. You may put more money down or increase your monthly payment without any penalties. There are also no penalties for paying off your loan early if you choose to do so. 

Can I change my payment dates?
Yes. After your first payment comes out you can contact the bank your loan is through and have them change your payment date. 

Is there a minimum amount I can finance?
Yes. 7500$ is the minimum amount a bank can finance. 


I have no credit history. Can I finance with AutoZoom? 
We offer financing solutions tailored to every situation. Our minimum requirements to obtain financing are as follows: you are at least 18 years old, make at least $10,000 in yearly income. 

Can I add a co-signer to my vehicle?
Yes. You can add a co-sign to your financing application. 


When is the first monthly payment due?
Your first monthly payment is generally due 7-14 days alter you receive your vehicle. 

What do you determine my down payment?
Your down payment is based on your credit history, yearly income, and the price of the vehicle your financing. 

What are my options if I can't afford my down payment?
You can trade-in your current vehicle to help lower your down payment 2. Looking through lower price inventory 3. Since yearly income is a factor, do you have any other verifiable income. 4. Add a co-sign to your financing application.

How is the interest calculated?
Interest is calculated on a per payment basis. This means if you pay your loan in full early you will not be charged the remaining interest. 

How can I get the balance on my loan?
Simply by contacting the bank that your ban is financed 


Why was a payment withdrawn from my bank account for my old car loan?
This Is common if you have a previous car payment scheduled to come out within a few days of taking possession of your new vehicle. Once the cheque is sent It can take banks up to 10 business days to receive the funds and close the loan. Once closed the difference will be reimbursed and deposited back into your bank.


Our Trusted Financing Sources 
TD Bank, Desjardins, National Bank, Scotia Bank, Industrial Alliance, Axis Auto Finance, Iceberg Finance, Carfinco
Location access credit, Virage Credit, AutoZoom Finance and much more.