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Access to vehicle financing for anyone (including those with bad credit)

Bad credit doesn’t have to keep you from buying a car

The economic impact of the COVID-19 on businesses in North Bay has yet to be fully determined, but it’s clear there was a huge financial impact on individuals whose jobs were either put on hold or completely eliminated. Through no fault of their own, many individuals wound up with bad credit as COVID exacted a huge financial toll on their lives.

Thankfully, there are companies willing to help people rebuild their credit. is one such business that caters to people whose credit score may have taken a hit during the last two years.

“We help those with bad credit get into a vehicle to get them back on the road,” said Emilio Albi, co-owner of the web-based auto dealer. “And we help them rebuild their credit in the process. We literally help anyone get approved as long as they make a minimum of $2,200 a month, have a valid drivers license and can get insurance”

Vehicles are one of the most expensive purchases people make in their lives and trying to arrange financing with bad credit can make it a frustrating experience. To their credit, passes no judgment on individuals; regardless of their credit history, any individual can work with the team at to find the right vehicle at the right price.

Albi said all anyone has to do is complete the online vehicle financing application, which requires a small amount of information about the buyer. This information is used to help get pre-approval for financing from a lender best aligned with the buyer’s financial situation.

“We look at the application, we look at their credit, their income and their information,” said Albi. “From there we use one of our 27 lenders, whether that means a bank, a secondary lender or a private lender. We search for the best approval based on a client’s credit. Obviously interest rates will vary depending on the situation.”

Customers who have filled out an application will receive an email from confirming receipt of the application and a follow-up email confirming their approval. Once the client receives the amount for which they have been approved, the company lending the money, and the interest rate, goes to work finding a suitable vehicle. That could mean searching for a vehicle, or looking into their own inventory.

“We have over 120 cars on our lot and we have dealer partners all across the province,” said Albi. “We do pretty well in being able to get the right vehicles to people."

Once they have found the vehicle, makes all the arrangements to have that vehicle delivered right to a customer’s door.

It’s an amazingly quick and simple process that can all be completed online.

“If we get all the correct information and documents such as paystubs, we can get everything done in 48 to 72 hours including delivery to your door. It doesn’t matter where we find the car. It comes to our lot first, and then we arrange delivery.”

In the years Albi has been involved in the industry, he has seen all kinds of people and heard all kinds of reasons why people wind up with bad credit. He’s happy to be able to help in the recovery of people who may have fallen on hard times.

“We understand there are people out there who have stories. We take the time to listen, because any story we get we can bring back to the lender to help the process. We present the information so we can get the best approvals possible. We sell cars to make money, but we truly do enjoy helping people.”

When you’re in the market for a vehicle, consider reaching out to