Credit Center
Resources To Strengthen Your Credit Confidence
We believe everyone deserves clear, judgment-free information about vehicle financing. Use these guides to understand your credit score, prepare documentation, and plan for future vehicle upgrades.
Credit Score Essentials
- Payment history counts for 35% of your score—set reminders or auto-pay where possible.
- Utilization under 30% on revolving credit signals responsible borrowing.
- Building credit takes time—consistent payments on an auto loan can raise scores quickly.
Document Checklist
- Two most recent pay stubs or three months of bank statements.
- Proof of residence such as utility bill, lease agreement, or insurance document.
- Valid driver’s license or provincial photo ID.
- Trade-in information (if applicable) including VIN and current lender details.
Tips To Improve Approval Chances
- Stabilize your employment history—lenders love seeing 3+ months in your current role.
- Set aside a small down payment; even $1,000 can unlock better rates.
- Avoid applying for multiple loans or credit cards within 30 days of your vehicle application.
- Bring proof of insurance or explore our partner insurance providers for same-day coverage.
Free Coaching Session
Book a 15-minute call to review your credit profile, budgeting goals, and vehicle needs. We’ll outline personalized next steps and send you a written plan.