Financing
We Say Yes When Banks Say No
Why Choose Finance That
Whether you have great credit or none at all . Finance That works with a wide network of lenders to get you approved. We specialize in helping Canadians with unique situations get the financing they need, fast. No matter your credit situation, Finance That is here to help. Get started in under 3 minutes. No hidden fees and No obligations.
- 100% Secure Application
- No Credit Score Impact
- All Credit Types Accepted
- Canada-Wide Coverage
Bad Credit?
No Problem
Approvals for clients with poor credit histories, collections, or missed payments.
No Credit or First-Time Borrower?
We welcome newcomers, students, and young professionals with little to no credit.
Bankruptcy or Consumer Proposal?
Even if you’re rebuilding from a bankruptcy or proposal, we have options for you.
Self-Employed or Gig Workers?
Flexible approval criteria that don’t rely on traditional 9–5 employment.
Private Sale & Used Item Friendly
Not limited to dealerships we help finance private purchases too.
Fast Pre-Approvals Within 24–48 Hours
Apply online and our agents will find the best option for you.
Competitive Rates & Flexible Terms Tailored to You
We work with multiple lenders across Canada to bring you the best available rates even if you have less-than-perfect credit. Your rate depends on factors like your credit history, loan amount, term length, and item being financed.