About OCAL Financial

Learn how OCAL Financial arranges used vehicle financing for Canadians, including drivers with bad credit or no credit history.

OCAL Financial is a Canadian automotive finance company arranging used vehicle loans for drivers in British Columbia and Alberta. We combine an online application with a network of lenders and a delivery model that removes the dealership visit entirely.

What we do

We are the layer between the buyer and the lender. You apply once, we assess your file, and we submit it to the lenders most likely to approve it rather than sending you from branch to branch collecting declines and credit inquiries.

How we are different from a dealership finance office

• The application is online and takes minutes, not an afternoon in an office.
• We work with prime, near prime and subprime lenders, so one application covers the whole credit spectrum.
• Vehicles are delivered to your home across BC and Alberta.
• The total cost of borrowing is shown before you sign, not after.

Who we serve

Drivers with established credit who want speed, and drivers with damaged, thin or nonexistent credit who have been turned away elsewhere. We do not guarantee approval. We do commit to giving every file a real review.

Where we operate

British Columbia and Alberta. See our service areas for the regions we cover, or meet the team.