Financing Made Easy

Get pre-approved in minutes with our simple 2-step process

Why Finance With Car Deal Guru?

Quick Approval

Get approved in as little as 2 minutes with our streamlined online application process. No lengthy paperwork or waiting days for an answer.

All Credit Welcome

Whether you have excellent credit, poor credit, or are building credit for the first time, we have financing solutions tailored to your situation.

Competitive Rates

Access to multiple lenders means we can shop around to find you the best interest rates and terms available for your credit profile.

How Our Financing Works

1

Choose Your Vehicle

Browse our inventory and find the perfect vehicle for your needs

2

Apply Online or In-Store

Complete our simple application in just minutes

3

Get Approved

Receive your approval and review your financing options

4

Drive Away Happy

Complete the paperwork and take your new vehicle home

The Car Deal Guru Advantage

35+ Years of Experience

Our long-standing relationships with lenders mean better rates and terms for you

Multiple Lender Network

We work with over 20 financial institutions to find the perfect match for you

No Obligation Pre-Approval

Get pre-approved with no impact on your credit score and no obligation to buy

Flexible Terms

Choose from various term lengths and payment schedules to fit your budget

Trade-In Options

Apply your trade-in value directly to reduce your financing amount

Did You Know?

Lifelong automotive expertise backed by 35+ years serving Niagara drivers.

Industry‑leading success securing financing for all credit types, including non‑prime.

A long history of resolving complex credit challenges competitors can’t overcome.

We Help All Credit Situations

First-Time Buyers

Special programs for those purchasing their first vehicle or building credit history

New to Canada

Financing solutions for newcomers without established Canadian credit

Self-Employed

Flexible documentation options for business owners and contractors

Previous Bankruptcy

Second chance financing for those rebuilding after financial difficulties

Fixed Income

Options for retirees and those on disability or other fixed income sources

Credit Challenges

Solutions for those with past credit issues or lower credit scores

Payment Calculator

Use our calculator to estimate your monthly payments. This is for estimation purposes only - actual rates and terms will be determined upon credit approval.

Estimated Monthly Payment

$391.32

Total Interest

$3479.38

Total Cost

$23479.38

Frequently Asked Questions

What documents do I need for financing?

Typically, you'll need:

  • Valid driver's license
  • Proof of income (recent pay stubs or bank statements)
  • Proof of residence (utility bill or lease agreement)
  • References (personal and/or professional)
  • Down payment (if applicable)
How much should I put down?
While we offer $0 down options for qualified buyers, a down payment of 10-20% can significantly lower your monthly payments and may help you qualify for better interest rates. The right amount depends on your budget and financial situation.
Will applying affect my credit score?
Our initial pre-approval process uses a soft credit inquiry that doesn't affect your credit score. A hard inquiry is only performed when you decide to proceed with a specific financing offer.
Can I pay off my loan early?
Most of our financing options are open loans with no penalties for early payment. You can make extra payments or pay off your loan entirely at any time, saving on interest.
What if I have bad credit or no credit?
We specialize in helping customers with all credit situations. Our team works with multiple lenders who offer programs specifically designed for those with credit challenges or who are new to credit. We'll work to find a solution that fits your situation.

Ready to Get Started?

Take the first step toward your new vehicle. Mark is ready to help you find the perfect solution.

Browse Our Inventory Contact Our Finance Team

Or call us directly at 289 768 6304