Frequently Asked Questions

You must be at least 18 years old with a valid Canadian driver's license and minimum monthly income of $2,200. You'll need to provide proof of employment or income, bank account details, current address verification, and down payment information if applicable.

We only collect the essential information that our lending partners need to assess your loan eligibility. Your data is protected with bank-level security measures. Unlike some dealerships that share your info with multiple lenders, we maintain a single point of contact to prevent unsolicited calls.

It's completely free to get started with no hidden fees. All quotes come with zero obligation to proceed. You won't pay anything until you choose a vehicle and sign the financing agreement.

Yes! We specialize in helping people with credit challenges. We work with lenders who understand that credit scores don't tell your whole story. If traditional lenders decline, we offer in-house financing options that help you build your credit score through manageable monthly payments.

Our online pre-qualification quiz takes just 60 seconds and does not affect your credit score. Most lenders provide decisions within hours. We typically request 24 hours to explore all lending options and find you the best possible rate.

We offer cars, trucks, vans, and SUVs of all makes and models from 2020 and newer. Our inventory is sourced from major wholesalers and dealer lots across Western Canada, giving you access to thousands of quality vehicles.

Within your approved budget, yes. We help you find a vehicle that fits both your needs and your monthly payment target. Our advisors will guide you toward reliable options and away from vehicles with known issues.

Yes! We deliver vehicles throughout Alberta and across Western Canada. Many of our customers in Calgary, Red Deer, and rural Alberta have had their vehicles delivered directly to their home or workplace.

Your approval amount depends on your credit situation, down payment availability, and monthly income stability. During your consultation, we review your specific circumstances and help you understand exactly what you can comfortably afford.

Interest rates are based on several factors: vehicle age (rates start at 4.99% for used, with 0% available on select new vehicles), your down payment amount, income-to-debt ratio, loan term length, and credit history. We shop multiple lenders to find your best rate.

A down payment is not required for all applicants. However, putting money down typically reduces your interest rate and monthly payment. It also demonstrates commitment to lenders, which can result in better approval terms.

We partner with eight major lenders across Western Canada including Scotiabank, CIBC, TD, BMO, Servus Credit Union, Ally, Carfinco, and FinanciaLinx. We also offer in-house financing for customers who need alternative options.

Monthly payments are based on your loan amount, interest rate, and term length. For example, a $15,000 loan at 12.99% would be approximately $370/month over 60 months or $320/month over 72 months. We provide exact payment quotes before you commit.

Yes! Most of our lender agreements allow early payoff without penalty. Paying off your loan early can save you money on interest and help improve your credit score faster.

Our head office is in Edmonton, Alberta at 4939 127 Ave NW. We serve customers throughout Western Canada and offer vehicle delivery across the region.

Guaranteed Auto Approvals has been helping Albertans get into reliable vehicles since 2004. We're locally owned and operated, and we've helped thousands of families get back on the road.

We focus on understanding your needs before recommending solutions. There's no pressure, no gimmicks, and no judgment about your credit situation. We take the time to find the right vehicle and financing that actually fits your budget.

Your satisfaction matters to us. We stand behind every vehicle we sell with warranty options and after-sale support. If issues arise, our team works with you to find solutions.