The Process
How Alberta Auto Approval Works
We've built a process that removes the guesswork from vehicle financing. Here's exactly what happens from your first conversation to driving off the lot.
Your Free Consultation
There's no judgment here — we've worked with every type of credit profile. We want to understand your income, your credit history, and what kind of vehicle you're looking for.
What this means for you
Receive a comprehensive understanding of you credit profile
Completely confidential
Takes about 15 minutes
We Analyze Your Profile
This is where our expertise makes the difference. We look at your full financial picture — not just your credit score. Income stability, debt-to-income ratio, employment history, and the type of vehicle you want all factor into which lenders are the right fit.
What this means for you
We know what each lender looks for
We identify the strongest lenders for your profile
We prepare your application to present you in the best light
We Submit to the Right Lenders
We strategically submit to the lenders most likely to approve you at the best rate, based on our knowledge of their current criteria.
What this means for you
Strategic submission
We negotiate on your behalf
Multiple options presented when available
You Get Approved & Drive
Once approved, we will find specific vehicle options that fit with the terms and conditions of your loan. Then it's time to sign the required documents and have your vehicle delivered!
What this means for you
Full explanation of your loan terms
No hidden fees or surprises
Support through the final paperwork
Lender Criteria
What Lenders Actually Look For
Most people think lenders only care about your credit score. The reality is far more nuanced — and that's exactly where our expertise helps you.
Credit Score
Yes, it matters — but it's not the whole story. A credit score of 580 with stable income can outperform a 650 credit score with irregular employment. And a 600 credit score with a lot of credit histry can outperform an 800 credit score with no credit history.
Income Stability
Lenders want to see consistent income. Full-time employment, self-employment with documented income, or pension income all qualify — with the right presentation.
Debt-to-Income Ratio
How much of your monthly income goes to existing debt payments? Lenders have thresholds, and we know how to structure your application within them.
Down Payment
A larger down payment reduces lender risk and can unlock better rates — even with challenged credit. We'll advise on the optimal amount for your situation.
Vehicle Type & Age
Lenders have preferences on vehicle age, mileage, and type. We factor this into our recommendations so your vehicle choice doesn't hurt your approval odds.
Loan-to-Value Ratio
The relationship between what you're borrowing and what the vehicle is worth. We help you find vehicles that keep this ratio in a lender-friendly range.
Ready to Start the Process?
Our team is ready to review your situation and find your path to approval.