At Easy Online Approvals we place a great deal of importance on establishing or re-establishing the credit histories of all of our clients. The approach that we take is to pre-qualify our clients with the financial institutions that we will be dealing with exactly the same as you would when pre-qualifying for a mortgage.
We can start the process online by having you fill out a credit application. Once that has been submitted and we get an initial approval, we will have you come in so that we can begin fulfilling the stipulations that will be set out by the lenders. At this stage, we can now start the selection process for your new vehicle!
In the meantime, we take care of the income approval step which can sometimes be the most difficult part of the process. For this we will need to know:
During this part of the process, we will need to show the lenders recent pay stubs. As well, we will need to verify the information presented with your respective Human Resources departments. Once all of your information has been verified to the satisfaction of the financial institution, we move on to the final approval phase.
Once we have received final approval for your loan and you have selected your vehicle, you can expect to be driving your new vehicle within 24 to 48 hours!
As we stated at the beginning, establishing or re-establishing your credit history is the most part of what we do. To that end, we can assure you that every payment is reported to the credit bureau. Typically, after a minimum of 12 months of payments that have been on time and in full, we will be contacting you to discuss the possibility of buying back your vehicle and then helping to get you into a vehicle that is exactly what you want! We will work very hard to make your entire experience comfortable and easy; maybe even enjoyable! We look forward to working with you!