Get approved before you shop, then have the right vehicle sourced and delivered to your door, whether that door is in Calgary, Edmonton, Red Deer, Lethbridge or a town the dealers never call. OCAL is licensed in Alberta and works with drivers of every credit history.
Get approved first, then have the right vehicle sourced and delivered anywhere in Alberta. Bad credit, new to Canada or self-employed. Two-minute application, no effect on your credit score.
Apply online in about two minutes. A finance specialist reviews your file and submits it to the lenders in our network that fit your credit profile, income and the vehicle you want. Once the deal is finalised, the vehicle is delivered to your address in Alberta.
A valid Canadian driver's licence, proof of income, proof of address in Alberta, and banking details for payments. A down payment or trade in is helpful but not always required.
Sales tax treatment, registration and insurance differ between provinces, and those figures change the amount financed and the total cost of borrowing. Our team applies the correct Western Canada figures to your deal before you sign.
Browse the used vehicle inventory, estimate a payment with the loan calculator, read about bad credit car loans, or start your application.