FORGET THE DEALERS

Western Canada’s #1 Way To Secure The Right Vehicle, RV’s, & Power Sports

Welcome to your ultimate digital resource, linking you with top lenders nationwide to secure the financing needed to drive home your dream car, RV, or the perfect power sports vehicle you've always desired.

HOW IT WORKS

Enjoy the excitement of a new ride without the hassle.

Experience effortless car financing and quick delivery, right at your fingertips in under 2 minutes!

Shop for Your Car with Absolute Confidence

  • Apply for financing online with our simple application.

  • Get matched with the ideal lender for your needs.

  • Discover the best vehicle options tailored to your preferences.

  • Choose your desired car and enjoy doorstep delivery!

  • Eliminate wasted time and rejections.

  • Experience a consumer-first approach, prioritizing your needs and preferences.

  • Access detailed vehicle information and insights to guide your decisions.

STILL NOT SURE?

Frequently Asked Questions

What documents do I need to provide for the financing process?

For the financing process, you'll generally need to provide a few essential documents. These include personal identification, such as a government-issued ID (driver's license or passport), and proof of income, such as recent pay stubs, tax returns, or W-2 forms. Consent to pull your credit report will also be required, along with employment verification, either through an employment letter or employer contact information.

What are the financing options available for vehicles?

When considering vehicle financing, several options are available to suit different needs. Dealer financing is offered directly through the dealership, often with promotional interest rates. Traditional bank or credit union loans are also popular, typically providing competitive rates, especially for members. For those seeking flexibility, personal loans from financial institutions are unsecured and can be used to purchase a vehicle without requiring collateral. Leasing is another option, where you rent the vehicle for a set term with the option to purchase at the end, generally leading to lower monthly payments. Manufacturer financing programs sometimes offer special deals, like low or zero-interest rates, for qualified buyers. Additionally, many online lenders provide quick loan approvals with competitive rates, making it easy to compare multiple offers in one place.

What is the interest rate, and how is it determined?

The interest rate on a vehicle loan reflects the cost of borrowing, represented as a percentage of the loan amount. Several key factors determine this rate. A higher credit score often qualifies borrowers for lower interest rates, as it signals reduced risk to lenders. The loan term also impacts rates, with shorter terms generally offering lower rates due to minimized risk over a shorter period. A larger down payment can help reduce the rate by lowering the loan amount and demonstrating financial stability. Additionally, the type of vehicle matters; newer vehicles typically come with lower rates compared to used ones, given their reliability as collateral. Market conditions, including economic factors like inflation and central bank rates, also influence lender interest rates. Lastly, each lender has unique policies and risk assessments, which means rates can vary for similar borrowers across different institutions.

What is the loan term, and how will it affect my monthly payments?

The loan term is the length of time you agree to repay the loan, typically ranging from 36 to 72 months or more. A shorter loan term generally results in higher monthly payments but reduces the overall interest paid and allows faster equity build-up in the vehicle. Conversely, a longer loan term provides lower monthly payments, making it more affordable in the short term. However, it also results in more interest paid over time and slower equity build-up, which may lead to owing more than the vehicle’s value for an extended period.

What credit score do I need to qualify for financing?

The credit score needed to qualify for vehicle financing varies by lender, but general classifications can be outlined. Individuals with excellent credit (750 and above) typically qualify for the best interest rates and loan terms. Those with good credit (700-749) often receive competitive rates, although not the lowest available. Individuals with fair credit (650-699) may still qualify for financing, but interest rates are likely to be higher. For those with poor credit (below 650), financing is still possible; however, options are limited, and interest rates can be significantly higher.

Who We Are

RideSReady Financing is a trusted auto loan financing company dedicated to helping you secure financing for your dream vehicle with ease. With a strong commitment to customer satisfaction, we proudly serve clients across Alberta and British Columbia, offering a streamlined and transparent financing experience tailored to your needs. Whether you’re looking for a car, RV, or power sports vehicle, our team connects you with top-tier lenders and guides you through every step, ensuring a smooth path to ownership. RideSReady Financing where trust, convenience, and client care drive everything we do.

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AUTOMOBILES

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HAPPY CUSTOMERS

8

YEARS IN BUSINESS

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LENDING PARTNERS

All Vehicle Types

Seeking instant financing for an economy, luxury, or exotic vehicle?

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Looking for instant financing on an RV, whether standard, luxury, or custom?

Water & Land Sporting Goods

Interested in instant financing for watercraft or land sporting vehicles, from ATVs to boats and beyond?

TESTIMONIALS

What others are saying

"I really appreciate the efforts of RideSReady Financing"

"I have to hand it to RideSReady Financing. Renz and his team made securing a car loan straightforward and stress-free. They found me the perfect lender, handled all the details, and delivered my car right to my door. Exceptional service."

- Neil Ashfult

"Renz is AMAZING!"

"Renz is AMAZING! From start to finish, he made the whole financing process a breeze. He found me the right lender, kept everything on track, and even had my new car delivered to my doorstep. Truly impressive service."

- Jennifer Boston

"Highly recommend this company"

"RideSReady Financing made the car buying process smooth and hassle-free. Renz matched me with a solid lender, kept me in the loop, and had my car delivered right to my door in no time. Top-notch service. I highly recommend this company to anyone serious about getting the ride they want."

- Barry Livingston

Ready to find your new ride?

At RideSReady Financing, we are committed to ensuring every client receives exceptional care, with customer service as our highest priority. Serving clients across Alberta and British Columbia, we make financing your dream vehicle seamless and stress-free. Skip the dealership and experience instant financing right here with us.

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