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FLEXIBLE FINANCING

Credit doesn't need to carry negative connotations. With low rates, reduced stress, and the absence of closed office negotiations, it's no wonder that 90% of our customers choose to finance their vehicles.

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GET CUSTOMIZED RESULTS IN MINUTES

Our valued customers can receive personalized approval outcomes, all without any negative impact on their credit score. Here's an easy step-by-step guide to get you started:

No matter where you find yourself on your shopping journey, obtaining approval is a breeze.If you're just begining, gain insight into your affordability by getting approved here. And if you've already discovered the ideal car, you can obtain approval terms specifically tailored to that vehicle.

Provide your desired down payment amount, and our finance sources will swiftly provide you with approval terms. To potentially secure more favourable terms, you have the option to include a co-buyer in your request. Approval awaits you in just minutes.

Discover the project terms for all vehicles upon approval, including the monthly payment and APR. Modify filters such as the down payment to see their impact on your preferred terms.

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WHY FINANCING IS FFUN 

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A SINGLE PRICE FOR EVERYONE

We aim to ensure a stress-free experience throughout the entire process. That's why we have adopted a one-price approach, where the cost of the car remains consistent regardless of the financing rate you qualify for. This means you can choose the car you desire without worrying about price variations, allowing you to keep some extra cash in your pocket.

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DON'T WORRY, WE'VE
SEEN IT ALL

There is no situation unfamiliar to us. Whether you have experienced bankruptcy, undergone a divorce, engage in seasonal employment, recently arrived in Canada, or find yourself in any other unique circumstance, we can provide you with a financing solution.

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OFFERING CREDIT WHERE
IT'S DUE

We pride ourselves on being an exceptional dealership that goes beyond the norm. Our financing program is specifically crafted to assist individuals with less-than-perfect credit scores in obtaining approval, while also providing those with excellent credit the advantage of the most competitive interest rates available.

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HAVE INQUIRIES ABOUT CAR FINANCING?

Avoid the inconvenience of dealing with an aggressive salesperson at other dealerships and explore our collection of commonly asked questions. From interest rates and purchasing a vehicle to credit history and everything in between, this is where you'll discover answers to all your concerns about shopping for auto loans online.

Absolutely! FFUN offers various financing options to cater to your needs. In addition to collaborating with major banks, we have FFUN Financing, a division of FFUN Motor Group. Getting your vehicle financed and hitting the road usually takes just a few minutes in most cases.

Similar to any loan application, applying for car financing requires a review of your credit report. However, when it comes to vehicle financing, credit reporting systems treat multiple inquiries within a specific timeframe (14-45 days) as a single inquiry for comparison purposes.

Regardless of whether this is your initial vehicle purchase or not, FFUN provides all customers with an equal experience. This includes the convenience of car shopping, salespeople who don't work on commission, and fixed pricing without any negotiations.

Absolutely! We are committed to assisting you with your credit situation rather than penalizing you. At FFUN, every customer is entitled to the complete FFUN experience, regardless of their credit status.

Certainly, it is an option you can consider. However, it is important to note that it is not a requirement. Our objective is to assist you in obtaining approval based on your own merits, without relying on a friend or family member to co-sign. If you are interested in pursuing a co-signer, we can guide you through the process and explain how it would impact both you and the co-applicant.

It's wonderful that you have obtained financing from another source. To finalize your vehicle transaction, we kindly request you to provide FFUN with a certified bank draft, cheque, or any other proof of financing that you have acquired. We are here to assist you with any necessary steps in this regard.

Absolutely! If you happen to come across more favourable financing options after purchasing the car, you have the freedom to switch to another provider without any extra charges. We are fully committed to assisting you in the process if you can secure a better financing rate within three days.

FFUN maintains excellent partnerships with all major Canadian financial institutions, and we also provide the convenience of our own in-house financing as an alternative.

Absolutely! While you may receive a notification during the approval process, don't fret. Our team of sales consultants will reach out to you to gather all the necessary information and ensure your application progresses smoothly.

A down payment is not necessary, although it is welcome. Our main goal is to ensure your satisfaction with both the purchase and the monthly payments. Whether you choose to make a down payment or not, we will help you acquire the car you adore.

Certainly! Financing a car can serve as a valuable opportunity to establish your credit, and our team of managers is readily available to assist you in securing this type of financing.

While we cannot provide a guarantee that we can lower your interest rate, we are committed to making every effort to do so. If you have been consistently making timely payments on your current auto loan with a higher interest rate, we would be happy to assist you in attempting to secure a lower rate. If you choose to return to us for another vehicle, we will strive to offer you an even more favourable rate for your new purchase.

The submission process is simple. Just visit our approval page at FFUN! With our advanced technology, you have the opportunity to view your customized terms in real time while you browse for your perfect car. It doesn't matter where you live; we ensure you receive the most competitive rates for used cars that are specifically tailored to your needs. Plus, your credit score remains unaffected throughout the process. Our team of Sales Consultants is also ready to assist you, addressing any inquiries you may have until you're ready to hit the road.

Traditional dealerships often require you to endure lengthy waits before disclosing the interest rate you may qualify for, and this is only after you've committed to purchasing the vehicle. However, with FFUN, you have the advantage of discovering your interest rate without the hassle of paperwork and waiting at the dealership. In a matter of seconds, we provide you with your customized rate, without any impact on your credit score. Interest rates are influenced by your credit history, generally favouring lower rates for those with a strong credit report. To find out your personalized rate, take advantage of our free service and get approved now. Simply tap here:

We have partnerships with numerous banks. FFUN dealerships collaborate with all major lending institutions in Canada, ensuring smooth financing arrangements and competitive rates, eliminating the need for extensive comparison shopping. Some of the banks we work with include, but are not limited to:
  • Royal Bank of Canada (RBC)
  • Toronto-Dominion Bank (TD)
  • Bank of Nova Scotia (Scotiabank)
  • Bank of Montreal (BMO)
  • Canadian Imperial Bank of Commerce (CIBC)

Despite our reliance on technology, there are occasions when it struggles to handle the nuanced aspects that make us human. In such cases, we rely on our knowledgeable team members to fill in any gaps, ensuring that we don't present you with inaccurate information. Rest assured; we will swiftly resolve any concerns regarding your personalized rates.Feel free to engage in a conversation with our team at any time to further understand your situation.

Absolutely, we have full confidence in our impressive technology. Once we provide you with the approved terms, they will remain in effect as long as all the information you provided was accurate.

We believe in transparency and don't impose inflated charges for unnecessary items. Many dealerships charge documentation fees, detailing fees, and the list continues endlessly, without providing any tangible benefits. However, we have chosen to eliminate these fees.

To complete the financing process, you simply need to gather the following information. Don't worry if you can't find everything right away; our customer guide will assist you throughout the process, ensuring it's straightforward and hassle-free.
  • Verification of employment
  • Copy of your new vehicle registration
  • Void cheque or direct deposit form for the bank account from which you want your payments to be deducted
  • Copy of your new insurance policy, faxed or emailed to us, with the loan holder clearly indicated
  • A valid driver's license
We have good news for you: we'll deliver your vehicle and the contract directly to you. So, all you have to do is search your drawers or computers for the required information.

Your approval remains valid for 29 days. However, if you tend to procrastinate, there's no need to worry. You can reapply for approval after that period without any impact on your credit score.

Gross income refers to your total income before any taxes are deducted, and it is crucial to be aware of this figure when applying for a loan. Whether calculated on a yearly or monthly basis, your gross income serves as the basis for determining the loan amount you can reasonably afford. It is important to note that gross income always surpasses your 'net pay' or 'take-home' pay, which represents the amount of money you have available after taxes have been deducted by the government. If you have any inquiries about locating your gross income, please feel free to reach out to our team through chat, call, text, or email.

No, at FFUN dealerships, unlike many other car dealers, it is not mandatory to provide your SIN to be approved. You can save that step for later when you feel more comfortable with us and have found the car you've always wanted.

At FFUN dealerships, we offer specialized programs designed to assist individuals who are new to Canada, including first-time buyers and everyone in between. When filling out the approval form, you may encounter a notification indicating that further information is required. However, there's no need to worry as one of our exceptional team members will promptly reach out to you to gather all the necessary details and facilitate the progression of your application.

You have complete flexibility when it comes to paying off your auto loan. Whether you receive a windfall or simply want to accelerate your payments, you can pay off the loan in full at any time. Our institution welcomes your choice, and you can even contact the bank to explore options for increasing your payment amounts. We prioritize empowering our customers to make financial decisions that suit their preferences.

Understanding how interest works on your auto loan can be a bit complex. Essentially, interest is determined by multiplying the principal loan amount by the interest rate and the duration of the loan. However, the calculation of interest changes daily. This is a topic that is typically handled by knowledgeable bankers or can be researched using reliable sources like Google. It is advisable to consult professionals or conduct thorough research to gain a better understanding of your specific situation.

You have the flexibility to choose the dates for making your auto financing payments. Many people prefer to align them with their payday, ensuring convenient timing.
In more technical terms, banks typically establish a condition for payment frequency, which can be bi-weekly, semi-monthly, or monthly. According to this condition, your initial payment should occur within 14 to 21 days after signing the loan agreement, specifying the terms.
If your payment plan is monthly, the timeframe for the first payment shifts to 30 and 45 days from the date of signing.
Keep in mind that once you've made your first payment, you can always contact us or your lender to arrange new dates. The process is usually quite flexible.

Absolutely not. The decision is entirely up to you. In fact, if it's more convenient, we can directly collaborate with your bank. Our team is well-equipped to assist with that process as well.

Checking your loan details is a straightforward process. If you have a personal account with the bank, simply login to your online banking platform to find all the relevant information. In the case where your loan is held with a different bank than your primary one, you can either contact them directly or reach out to our team members who will gladly assist you. Financial institutions are known for their helpfulness in providing account information, facilitating transfers, and ensuring that you receive the necessary assistance. Rest assured, you will encounter no difficulties in accessing your loan details or obtaining any required information.

This is a commonly asked question, and the answer is quite straightforward. We will settle your old loan by paying it off, and the remaining balance can be incorporated into your current payment plan. Isn't that fantastic?

No, it is not necessary unless you choose to do so. However, for certain vehicles or programs, the bank might require a down payment as a qualification. Making a down payment can be beneficial in reducing your monthly payments, especially if you have some extra funds available. It is worth noting that most banks typically finance a minimum amount of around $7,500, so utilizing a down payment can work to your advantage.

No, it is not necessary. If you prefer, you have the option to secure financing elsewhere. However, if you decide to finance outside of FFUN, you may need to complete additional steps for your loan, such as visiting your local bank branch to sign all the loan documents and other paperwork.

Congratulations on having a strong credit history! We understand that you were expecting a more favourable interest rate, considering your excellent credit. Our standard online rate of 7.99% is commonly offered, but we genuinely want you to be completely satisfied with your car financing experience. The good news is that we collaborate with additional lenders who often provide more competitive rates. Please reach out to one of our team members, and they will gladly assist you in exploring better options.

Although the website highlights bi-weekly payments due to their popularity among most of our customers, you have the option to pay monthly if you prefer. We are more than happy to assist you in setting up monthly payments. Simply reach out to one of our team members, and they will guide you through the process.
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