At Shop Rides Canada we strive to help customers purchase the vehicle they want and take pride in our ability to make the process as simple as possible.
We have a team of highly experienced finance professionals focused on getting you approved for your next automotive loan. We work with many dealers and lenders across Ontario and Quebec to get you the vehicle you want and at the best possible rate.
Our customers take notice of our non-pressured sales process, easy going attitude and honest transparency as we assist with the vehicle purchase from start to finish.
Low rates! Low Payments! Easy Process! Get Pre-Approved Today!
We are looking forward to hearing from you! Call us today to get started.
Frequently Asked Questions
What does In-House Approval mean?
With In-House approval, you have an extra backup option of getting approved. This means that WE will be offering you the loan rather than using another bank or lender. We can approve all types of credits and put you into a vehicle hassle free. It's an easy, quick and convenient process that will also help you re-establish your credit for future purchases.
What interest rate will I get?
Your interest rate will depend on your credit as well as the type of vehicle and term you are looking to get. We can explore different options and find you the payment that you are most comfortable with. After some time of making your payments and re-building your credit, we can even explore the idea of getting you a better vehicle, interest rate and payment.
How long can I finance a car for?
The financing term will depend on the payment that you are comfortable making bi-weekly or each month. The longer the term, the lower the payment. We can explore different options with different vehicles to put you in the best possible financial standing. We'll make sure that you are happy with both the vehicle and the payments.
How will you get me approved when other dealerships can't?
We work with more lenders in Ontario and Quebec than most other dealerships. We also have the ability to provide In-House Approval, meaning that we will be your bank and process the loan for you. This gives you more options and a guaranteed approval regardless of your credit history.
Will this help me rebuild my credit?
Getting a loan and making your payments on time will definitely help you rebuild your credit. After a year, you can even explore the option of trading your vehicle for something newer and possibly getting a lower interest rate. Continuing to make your payments according to schedule, will also help you with other purchases in the future.
How long will it take to get approved and get my vehicle?
We can get you into your vehicle within 24 hours. We can even provide you with a loaner vehicle in the meantime if you are in an emergency situation and have no transportation. If we have to locate a vehicle for you at a different location or in another city, it may take extra time to have it inspected, cleaned and delivered to you. This ensures that you truly get the vehicle you want and are happy with.
Will I need a co-signer?
Having a co-signer can help lower your payments and interest rate. You can still re-build your credit if you have a co-signer. Keep in mind that after making some payments and improving your credit, you can explore the option of possibly removing their name from your loan.
What type of vehicle can I get?
We can explore all types of vehicles for you. What you choose will depend on the kind of payment you are comfortable making bi-weeeky or each month. It will also depend on your credit history and the length of term that you would like for financing. After making several payments on time and improving your credit, you can always explore the option of trading in your vehicle for something different.
