Question 1

Do you help buyers with bad credit?

Accepted Answer

Yes. We specialize in bad credit, second chance, and third chance auto financing. We work with 12+ lenders who approve buyers with low credit scores, past bankruptcies, consumer proposals, and no credit history.

Question 2

What credit score do I need to buy a car?

Accepted Answer

There is no minimum credit score required. We have helped buyers with scores as low as 400. What matters most is your current income and ability to make monthly payments.

Question 3

How fast is the finance approval?

Accepted Answer

Most approvals take 60 minutes or less. Complete the online finance application and we will call you the same day with your options.

Question 4

Do I need a down payment?

Accepted Answer

Not always. Some customers qualify for zero down payment. Call us at 905-667-9094 to discuss your situation.

Question 5

What documents do I need to apply?

Accepted Answer

You need: valid government-issued photo ID, proof of income, and proof of address. You do NOT need to provide your Social Insurance Number.

Question 6

Can I get approved after bankruptcy?

Accepted Answer

Yes. We work with lenders who specialize in post-bankruptcy financing, whether your bankruptcy is discharged or undischarged.

Question 7

What is second chance financing?

Accepted Answer

Second chance financing is a loan program for buyers denied by traditional lenders. We work with specialist lenders who focus on your current income, not just your past.

Question 8

How do I start the process?

Accepted Answer

Apply online at brownboytoys.ca/finance-application in 60 seconds, call 905-667-9094, or walk in at 56 Kenilworth Ave N, Hamilton.

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