Tired of getting turned down? Need a second chance?
We can help! We work with over 800 non-prime finance departments from British Columbia to Ontario.
Building or rebuilding your credit
First Access tailors lending solutions for Canadians with damaged or no credit, including those with bankruptcies, young buyers, and those who are new to Canada. With a wide range of programs and payment schedules to fit the unique needs of our customers, we’re able to work with you to keep you moving forward.
How do I get financing with First Access?
We fund all of our customers through our dealership partners. This means that we cannot give you a loan directly through our office, instead you need to speak with a Finance Manager at one of the dealerships we deal with, and they will submit an application to us for approval. From this point, we will work with the Finance Manager to find the right vehicle, loan terms and payment schedule to fit your needs.
What information do I have to provide to be approved?
During our review process, we will assess information on your residency, income, employment, credit history, as well as personal references. When you meet with a Finance Manager at the dealership, they will be able to assist you in compiling the necessary documentation for review.
Can I finance a new vehicle?
Yes, First Access offers financing on both new and used vehicles. Our Credit Analysts will work together with the dealership’s Finance Managers to determine a loan that is best for all parties.
How is my interest rate determined?
The majority of rates vary between 27.99% and 29.99%, and is based on your credit history, income, and the vehicle in question. Even if you finance at the highest rate, however, our goal is to help you graduate to lower interest rates.
Many of our customers have improved their credit rating and lowered their interest rate with help from First Access.