How does this help build my credit?

When you apply for an automotive loan, the payments you make are reported to your credit bureau’s. As time goes by and you consistently make those payments on time, you begin to build a rapport with the lender and credit bureau’s which result in your credit score increasing. Over time this can potentially repair your credit. If you are unsure as to why your credit score isn’t increasing, it does not hurt to speak to one of our credit specialist..

Will I have my credit checked?

When you submit an online application your credit score will not be impacted.

Do I have to do a credit check?

When applying for any loan or source of credit, it is necessary to have a credit check as part of the approval process.

Do you accept trade in’s?

Yes! We are always excited to help you trade in your vehicle even if there is still money owed on the vehicle. If you are interested in getting a free appraisal and see what your vehicle is worth, you can fill our trade in application!

Do you only offer Financing?

411Drives offers more than just financing. We can assist you if you are looking to lease, purchase in cash or if you found a vehicle you need funding for.

Is a down payment or upfront payments required?

Although we have many $0 down options available, a down payment has its benefits. It can help lower your monthly payments as well as demonstrates to lenders that you are serious in making this commitment.

How long is the application process?

The application process takes approximately 2 to 3 minutes.

I submitted an application, how long until I hear a response?

Once you have submitted the application, you will be contacted from one of our finance specialists within 24hrs.

Do I need to purchase a vehicle if I apply?

You are not obligated to purchase a vehicle when you apply. We offer you an insight to what your vehicle options are which allow you to make an informed decision on what you want to purchase.

How long does the process take from getting approved to getting into a vehicle?

Depending on the vehicle selection, the average time can be from 3-10 Business days.

What requirements do I need to get approved?

The minimum requirements to get approved are:
1. You must be 18 years of age or older
2. Have 2 forms of valid photo ID. (Drivers License, Passport, Social Insurance, etc.)
3. Proof of income. (Paystubs, Notice of assessment, etc)

I am currently on ODSP/Mat leave/EI/etc. am I still able to receive assistance/get approved?

Yes. We have many lenders that assist in helping those in similar circumstances. Many of our lenders and dealerships have special programs geared to ensuring that you get approved with the best rates possible.

Can I get a car if I am self-employed?

Yes! If you are self-employed you are still eligible to qualify for a vehicle!

I currently have/had a consumer proposal/bankruptcy/repossession/etc. Do I still qualify?

Yes. We have helped many people going through these situations. 411Drives partners with lenders and dealerships dedicated to getting you approved. They look at other factors beyond your credit score. 411Drives is dedicated to finding you a solution and getting you approved regardless of your credit!


Can I pay off the loan earlier?

Yes! 411Drives’ partnering lenders offer you an open loan. This means you are to pay off your loan before your term.

How much can I get pre-approved for?

The amount that you get pre-approved for depends on multiple different factors. After you have submitted your auto loan application, a finance specialist that is assigned to your file will discuss with you the details of your pre-approval.

What’s your inventory?

411Drives is revolutionizing the auto industry by partnering with a network of dealerships, auctions and lenders across the country. We have access to thousands of vehicles on a daily basis. This helps us narrow down the vehicle you want at a price you deserve. You are not limited to just one dealership’s inventory.

How can you help me if I have been turned down before?

We partner with a vast number of lenders which gives us more opportunities to get you approved. When you go to a traditional dealership or a used car dealership they are limited to how many lenders they partner with. Most have an average of 3 lenders. 411 Drives has a net work of 19 lenders! Meaning more chances to get approved!

Our Lending Partners

TD Auto Finance
RBC Royal Bank
First Access
Auto Finance
First West
Eden Park