Crocodile-Done-DealCrocodile-Done-DealNo — no dealership or lender can legally guarantee an approval. What we *can* guarantee is that your application is reviewed properly, matched with the right lenders, and presented in a way that gives you the strongest chance based on your full credit history.
Any time someone checks your credit, it can affect your score. The key is making sure your information is only sent to lenders who make sense for your situation. That’s my job — to minimize unnecessary inquiries and protect your score while still finding real approval options.
Absolutely. Your credit is more than a score — lenders look at the whole picture. We work with lenders who understand credit challenges, and our goal is to find an approval that fits your budget. Even if we can’t place you in a vehicle right away, we’ll map out a realistic path to rebuild your credit over the next 12–24 months.
No. Your information is never sold. It is only shared with the specific lenders required to process your application, and only when you’re ready for us to do so.
Simple applications can be reviewed the same day. More detailed files or complicated credit histories may take up to three business days as lenders ask for documents or clarification. We keep you updated the whole way so there are no surprises.
We always try. Sometimes lenders need us to work within certain guidelines (price, year, mileage, or payment range). Our goal is to secure a preapproval first, then match you with vehicles that fit the lender’s framework while still meeting your needs.
Not unless you want to. You can meet me in person in Kamloops, or we can handle everything over the phone — whatever is easier for you.