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Frequently Asked Questions

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Frequently Asked Car Loan Questions & Answers

Financing a car isn’t always the simplest process but at Get Approved Canada we do our best to make it easy for you. If you have questions regarding the car buying and loan process this page can help answer them for you!

What interest rate will I get?

When applying for an interest rate, the financial institution will look at the severity of credit problems, whether or not you may have a down payment or a trade vehicle. Our experienced finance managers will fight to get you the best rate possible.

How long does the process take?

Depending on the financial institution, an approval will be received in a few minutes to an hour.

Will I be stuck with a high interest loan for the full term?

Absolutely not. If you make all of your payments on time, the bank will re-finance the loan at a lower rate after as little as ten months. They just want to see that you are making consistent payments.

What can help me get an approval on a loan?

The best way to get a guaranteed low rate would be a good credit co-signor. A co-signor is the best way to help you get a jump start to good credit again.

Do I have to put money down?

Of course not! Some of our customers wish to put nothing down on a loan, and the financial institutions are ok with that.


Hi, I’m Gavin, the loan specialist and official mascot at Get Approved Canada. Whether you’ve got good credit, bad credit, or even no credit – our team can help. We work with lenders who look at other things like income and assets to determine your car loan approval and not just your credit score.

We work on your behalf and shop the market for the absolute best rate possible, sometimes even as low as 0%. The process is easy, fast and secure and we strive to provide you with the absolute best service possible.

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