How it Works

The Easy Auto Centers Process

At Easy Auto Centers we place a great deal of importance on establishing or re-establishing the credit histories of all of our clients. The approach that we take is to pre-qualify our clients with the financial institutions that we will be dealing with exactly the same as you would when pre-qualifying for a mortgage.

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Your first step should always be to determine a comfortable monthly payment that fits into your overall monthly budget then you can start looking for your new vehicle.

We can start the process online by having you fill out a credit application. Once that has been submitted and we get an initial approval, we will have you come in so that we can begin fulfilling the stipulations that will be set out by the lenders. At this stage, we can now start the selection process for your new vehicle!

In the meantime, we take care of the income approval step which can sometimes be the most difficult part of the process. For this we will need to know:

  • The conditions of your employment; are you working full-time or part-time?
  • How long have you been working for your current company?
  • What is your gross monthly income?
  • Are you eligible to acquire insurance?

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During this part of the process, we will need to show the lenders recent pay stubs. As well, we will need to verify the information presented with your respective Human Resources departments. Once all of your information has been verified to the satisfaction of the financial institution, we move on to the final approval phase.
Once we have received final approval for your loan and you have selected your vehicle, you can expect to be driving your new vehicle within 24 to 48 hours!

Establishing or Re-Establishing Your Credit

As we stated at the beginning, establishing or re-establishing your credit history is the most part of what we do. To that end, we can assure you that every payment is reported to the credit bureau. Typically, after a minimum of 12 months of payments that have been on time and in full, we will be contacting you to discuss the possibility of buying back your vehicle and then helping to get you into a vehicle that is exactly what you want! We will work very hard to make your entire experience comfortable and easy; maybe even enjoyable! We look forward to working with you!

If you live in Toronto, Ontario CA or the surrounding area, we can help you with an auto loan.


Bad Credit, Poor Credit, No Credit, Bankruptcy? No Problem at Easy Auto Centers.

Easy Auto Centers focuses on providing full service Automotive Loans and Leases and helping you find a financial loan solution to suit your needs and give you the security you need!

Easy Auto Centers is focused on establishing strong interpersonal relationships with each and every one of our clients from all walks of life and financial backgrounds with specialization in handling transactions involving subprime credit ratings. We have maintained longstanding professional relationships over the course of our 15 years in business with all of our professional lender contacts. We also have access to Private In-House lending.

Our professional credit services are fully registered through the Credit Bureau and are ideal for individuals who are reestablishing or looking to build credit for the first time. With a variety of professional loan services available throughout Canada from Coast to Coast, there is no reason not to Contact Us today in order to begin the process of getting you the money you need today!

At Easy Auto Centers we specialize in financing low interest car loans to customers with bad credit. We service Tronto, Ontario and the surrounding area. We finance all makes and models. Please familiarize yourself with our website and then take a few minutes to fill out our secure online credit application. One of our finance specialists will contact you promptly.

Click on the link below for instant credit upon approval and get the money you need.
Apply for Loan

So regardless if you live in Toronto, Ontario or any of these other areas of Canada, we can help you.