Frequently Asked Questions

Timing and next steps vary by participating provider. A provider may contact you or request more information, but a response time, approval, rate, or offer is not guaranteed.

No. Submitting this application does not authorize a credit report or credit check. A participating provider that needs a credit check must obtain separate authorization.

Yes. Applications involving bad credit, bankruptcy, consumer proposals, or collections are welcome. Participating providers make independent decisions, so 905 Autos cannot promise an outcome.

Yes. First-time buyers and newcomers may apply. A participating provider may ask for proof of income, identification, status documents, a down payment, or other information.

A participating provider may request government-issued identification, proof of income, proof of address, banking information, references, or other supporting documents. Requirements vary by provider and application.

Self-employed applicants may apply. A participating provider may request tax returns, bank statements, invoices, or other documents to verify income.

Down-payment requirements vary by provider, vehicle, and application. Any required amount and its effect on rates or terms should be confirmed in the provider’s offer.

A participating dealer or finance provider may consider trade-in equity. The vehicle’s value, any outstanding balance, and how it is applied must be confirmed with that provider.

You may apply, but eligibility and any trustee requirements depend on your circumstances and the participating provider. Approval is not guaranteed.

Provider requirements vary. You may submit an application after discharge, but a participating provider decides whether and on what terms it can respond.

Yes. A participating provider may consider an active or completed consumer proposal and may request supporting documents. It makes the final decision.

A participating provider may request identification, immigration-status documents, proof of Canadian income, and other supporting information. Requirements vary.

Rates depend on the provider, credit profile, income, vehicle, down payment, and loan terms. Any rate shown on the site is an example, not an offer. Review the provider’s cost-of-credit disclosure before agreeing.

Available terms depend on the participating provider, vehicle, and application. Longer terms can reduce monthly payments while increasing total interest. Review any offer carefully.

905 Autos does not charge a fee to submit this application and may receive compensation for a referral or completed transaction. A provider must separately disclose any financing, vehicle, documentation, licensing, or other transaction costs.

Prepayment rights and costs depend on the financing agreement. Review the provider’s terms before signing.

Vehicle selection and availability depend on the participating dealer or provider responding to your application. No specific vehicle is guaranteed.

Vehicle condition, inspection, safety certification, and warranty coverage must be confirmed with the participating dealer before purchase.

You may state your preferences in the application. A participating dealer or provider determines whether a matching vehicle is available.

Warranty availability, coverage, exclusions, and price depend on the vehicle and participating provider. Review the written terms before agreeing.

You can submit this application online. A participating provider may require additional online, telephone, or in-person steps before making or completing an offer.

Delivery availability, area, timing, and fees depend on the participating dealer or provider and must be confirmed directly.

Your application is captured first. With your consent, it may then be shared with participating automotive dealers, lenders, finance providers, and application-matching partners. A recipient may contact you or request more information and make its own decision.