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Carfinco - Proud Partner

Carfinco Inc. provides vehicle financing to consumers who are not able to obtain it from more traditional lending sources. Carfinco purchases loans made by select independent and franchised vehicle dealers in all ten Canadian Provinces.

Information for Dealers:

Carfinco offers several options, which allow dealers to offer credit solutions to any customer including Guaranteed Credit Approval / Dealer Participation Program, Go Plan. For more detailed information about any Carfinco program contact: 1.888.486.4356, or click here to request more information online.

The guidelines are different for each of Carfinco’s programs. For more specific information please contact your local Carfinco Regional Manager or click here.

Some programs even offer the ability to finance vehicles with 160,000 KM+

Information for Consumers:

Carfinco's Vehicle Purchase Payment Plan is a program designed to allow consumers that may not qualify for bank or dealer finance programs to purchase previously owned vehicles.

Carfinco recognizes the fact that many vehicle purchasers do not fit a conventional lender's criteria. While we want to remain as flexible as possible there are certain minimum requirements that a customer must meet. Carfinco will entertain applications from customers who may have less-than-perfect credit histories and are looking to re-establish themselves.

How can Carfinco help me purchase a newer vehicle?

Carfinco offers consumers a monthly payment plan for purchasing previously owned vehicles.

What if I have poor credit or no credit at all?

That's not always a problem. Carfinco has flexible credit requirements. Carfinco has been able to help many people with special circumstances restore their credit with the purchase of a newer vehicle.

In addition to your ability to repay the loan, Carfinco looks at your recent credit history, and your employment and residency stability. Carfinco can register a lien/security interest against your vehicle with the credit bureau, giving you an opportunity to earn back your credit rating. Other avenues that may also be used include additional security or a co-signer.

Will borrowing from Carfinco help me build my credit?

Absolutely! A vehicle loan is an excellent way to either build or re-build your credit. Maintaining a good relationship with your vehicle lender will help show other lenders that you are a good credit risk. As you repay your loan on time, you will demonstrate that you have put your credit problems behind you.