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Your Commonly Asked Questions Answered
Can I get approved if I have bad credit or no credit?
Yes. We help clients with bad credit, no credit, bankruptcies, and other credit challenges. Each application is reviewed individually.
Is my personal and financial information kept private?
Yes. Your information is secure, confidential, and only shared with lenders involved in your approval.
Is the approval process really 100% online?
Yes. You can apply and get approved fully online, from your home and on your schedule.
Who will I be speaking with during the process?
You’ll work directly with an experienced auto-finance specialist — not a call center or high-pressure salesperson.
Do I have to visit a dealership to pick up my vehicle?
No. The approval process is completely remote, with no dealership visit required and we deliver the vehicle right to your door.
How long does the approval process take?
Many approvals are completed the same day, depending on your situation.
Will applying affect my credit score?
We begin with a soft review whenever possible. If a full credit check is needed, we’ll let you know first.
What do I need to apply for vehicle financing?
Just basic personal and employment details to get started. We’ll guide you if anything else is needed.
Contact The Team
Welcome to our Contact & Location page — your direct line to the Okanagan Auto Credit team. Whether you have questions, need guidance, or want to start your approval, we’re here to help. Reach out anytime and we’ll get back to you quickly with the answers you need.
Don't have any questions? Click APPLY at the top of the page to be directed to our FREE pre-approval questionnaire!
Address
6417 BC-97 Highway,
Vernon, BC, V1B3R4
Finance
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