Getting approved for car financing can feel overwhelming, especially if it’s your first time or if your credit history isn’t perfect. At Empire Auto Group, we make the process simple, transparent, and stress-free.

Whether you're buying your first car or upgrading to a newer model, this step-by-step guide explains how to get approved for car financing in Ontario—even if you have bad credit, no credit, or limited income.

Step 1: Know What You Can Afford

Before you apply, it's important to know how much car you can afford. Use our Loan Calculator on the Finance page to estimate your monthly payments based on your income, expenses, and down payment.

This helps you set a clear budget and narrows your search to cars that fit your financial comfort zone.

Step 2: Gather Your Documents

Getting approved starts with having the right documents ready. Most lenders and dealers in Ontario—including Empire Auto Group—will ask for:

• Valid government-issued ID
• Proof of income (recent pay stubs, bank statements, or tax returns)
• Proof of residence (utility bill or lease agreement)
• Insurance information (if available)

These documents help us verify your eligibility and match you with the right financing option.

Step 3: Apply Online or In-Person

At Empire Auto Group, you can apply for financing in two simple ways:

• Online – Use our Quick Apply form from the comfort of your home. It takes less than five minutes.
• In-Person – Visit us at the dealership and let our finance team guide you through every step.

Your application is processed quickly, and we usually get back to you with a decision within 24 hours.

Step 4: Get Matched with a Financing Plan

Once we receive your application, our finance specialists:

• Review your credit history (if applicable)
• Identify lenders that best match your profile
• Offer you several flexible loan options
• Answer any questions you may have before you sign

We work with major banks, credit unions, and lenders who offer competitive rates—even for applicants with credit challenges.

Step 5: Choose Your Vehicle

With financing approval in hand, it’s time to shop. At Empire Auto Group, you’ll have access to over 200 vehicles in stock, including:

• Sedans
• SUVs
• Vans
• Trucks
• RVs and travel trailers

Browse by price range, body type, or monthly payment to find a vehicle that fits both your lifestyle and loan terms.

Step 6: Finalize Your Deal

After selecting your vehicle, our team will walk you through:

• Final paperwork
• Warranty options
• Vehicle protection plans
• Trade-in evaluations (if applicable)

Everything is explained clearly—no fine print, no hidden fees.

Step 7: Drive Away the Same Day

If your financing and paperwork are finalized early in the day, you could drive your new vehicle home that very same day.

No long waiting periods. No back-and-forth games. Just fast, honest service.

Why Choose Empire Auto Group?

• We approve all credit types
• Low interest rates available (on approved credit)
• Quick, easy online applications
• Friendly, no-pressure environment
• Large inventory across all vehicle categories

We don’t just sell cars—we help people move forward.

Call to Action:

Ready to get started? Apply for car financing today at Empire Auto Group, or call us to speak with a finance advisor. We’ll guide you every step of the way—from approval to keys in hand.

We treats every person who comes to Empire Auto Group like family. Empire Auto Group is a car dealership second, and a customer service business first!

At Empire Auto Group we place a great deal of importance on establishing or re-establishing your credit histories and help with bad credit loans. Empire Auto Group will take care of everything in one place, in one easy step and we make it easier to make it yours. Get approved now!