In-house financing · North York
Pick a car on the Yorktown Motors lot and finance it in the same room, with the same people. New to Canada, self-employed, rebuilding your credit or buying your first car: tell us your story and a real person calls you back.
Illustration at 9.99% APR [rate placeholder]. Your rate and term are set at approval. Try your own numbers ↓
Who you'll deal with
You'll deal with a person, not a portal. I want to hear your story before I look at a number.
Quote is a placeholder in AJ's voice; portrait = real photo of AJ.
How it works
The car and the financing are under one roof, so nothing gets lost between a bank and a dealer. We move the term, the down payment or the vehicle until the number works for you.
Two minutes, no paperwork, no credit check. Your work, your budget, and the kind of car you have in mind.
A real conversation, during business hours usually within the hour. We'll tell you honestly what's possible and what to bring.
Bring photo ID, proof of income and proof of address. Your trade-in is appraised on the spot by our certified appraisal team. Most approvals finish the same day.
Your payment
Ontario HST is built in so there are no surprises. This is an illustration; your actual rate and term are confirmed at approval.
Payment = price + tax − down payment − trade-in, amortized over the term at the rate shown. Fees, warranties and insurance not included.
Whatever your story
Banks see a score. We see the car, the down payment, the work you do and where you're headed. That's the difference between an in-house lender and a form on a website.
A work permit or PR card, proof of income and a reasonable down payment go a long way. No Canadian credit history required to start the conversation.
Bank statements and invoices tell your story better than a T4. Bring what you have and we'll work with it.
A past bankruptcy, consumer proposal or missed payments don't disqualify you. A car loan paid on time is one of the fastest ways to rebuild.
Little history isn't bad history. A co-signer or a modest down payment usually opens the door.
Your current car is appraised while you're here by Heritage Auto Appraisals and applied to the deal, whether you still owe on it or not.
Languages spoken at the dealership: to confirm.
Pre-approval
No credit check happens online. Nothing is final until you sit down with us. This just tells AJ who to call and what to prepare.
AJ will call you at . During business hours that's usually within the hour.
Have your ID and a recent pay stub handy and we can finish the same day.
Questions people ask
Anything not covered here, call 416-398-8899 and ask for AJ.
Nothing to start: the online form takes two minutes and asks for no documents. To finalize, bring government photo ID, proof of income (recent pay stubs, or bank statements if self-employed), proof of address, and a void cheque or direct-deposit form.
Yes, and that's a large part of who we help. A work permit or PR card, proof of income and a reasonable down payment go a long way.
It depends on the car and your file. More down means a lower payment and an easier approval, but many customers drive away with less than they expected to need. Tell us your number and we'll work from there.
No. Nothing you type online touches a credit bureau. A credit check only happens in person, with your written permission, once you've picked a car.
Yes. Our certified appraisers value it while you're here and the amount is applied to the deal, whether you still owe money on it or not.
Every vehicle on the Yorktown Motors lot. Because the inventory and the financing are under one roof, we can match the payment to the car you actually want.
They depend on the vehicle, the term, your down payment and your file, and they're confirmed in writing before you sign anything. The calculator above is an illustration, not an offer. [AJ: actual range, terms, lender-or-broker, licence line]
Come see us