Apply online in about two minutes. We match you with a lender from our network and deliver your vehicle to your door. Checking your options does not affect your credit score.
OCAL Financial arranges used vehicle financing for drivers across British Columbia and Alberta. You apply online in about two minutes, we match your profile against our lender network, and the vehicle you choose can be delivered to your door.
We work with first time buyers with no credit history, drivers rebuilding after a consumer proposal or bankruptcy, newcomers to Canada without a Canadian credit file, self employed applicants whose income is harder to document, and buyers with strong credit who simply want a faster process than a bank branch.
Approval is never guaranteed and always depends on the lender's assessment of your income, credit history and the vehicle. What we can promise is that your application is reviewed by a person and submitted to the lenders most likely to fit your situation.
The rate and term you are offered depend on your credit profile, your income and its stability, how long you have lived at your address, the size of your down payment, any trade in equity, and the age and mileage of the vehicle. A larger down payment and a shorter term reduce the total interest you pay.
OCAL Financial serves British Columbia and Alberta, including Vancouver, Surrey, Burnaby, Richmond, Victoria, Kelowna, Calgary, Edmonton, Red Deer and Lethbridge.
Browse the used vehicle inventory, estimate a payment with the auto loan calculator, read about bad credit car loans, or start your application. Questions first? Contact our team.