Frequently Asked Questions
This isn't my first time applying, other dealerships have turned me down. Are you sure I can get approved?
Our team here at Sunridge Credit Centre specializes in cases where our clients have been declined before. We use our unique and strong relationships with the bank to get you approved quickly and with the vehicle that best fits your needs.
What do I need to get my approval started?
A valid driver's license, your two most recent paystubs, and a void cheque.
Can you help me if I'm self-employed?
Absolutely, we simply need the last 6 months of bank statements, proof of ownership, and a T1 or N.O.A.
I don't have any money to put down, can you still get me approved?
Yes. In fact, we can even give you cashback to help you take control of your financial situation and further aid in rebuilding your credit.
I don't have any credit, can I still get approved?
Yes. As well as specializing in rebuilding credit, we also specialize in establishing it. We have multiple first-time buyer programs to help get your credit journey started on the right foot.
What is a co-signer?
Typically a family member or close friend. A co-signer is someone with an established credit history. Requested by the bank, this co-signer will help as leverage in getting you approved.
Can I trade in my car?
We are actively searching for used vehicles to add to our inventory! We have a high demand for these cars and are willing to pay top dollar. We welcome any and all makes and models, regardless of condition.
How can I lower my interest rate?
With our unique relationship with the bank, we can often refinance your current loan to get you a better rate or pull you ahead into a newer vehicle with a lower rate.
How often do I need to make my loan payments?
With our flexible payment options, you can select the payment schedule most suited to your needs.
Can I pay off my loan early?
Of course, all of our loans are open-ended. Meaning you can make extra payments with no penalty!
How long until I get my new vehicle?
From the moment we submit your application, you can be driving away in as little as a few hours!
