Frequently Asked Questions
1. Do you help buyers with bad credit?
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.
2. What credit score do I need?
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.
3. How fast is the finance approval?
Most approvals take 60 minutes or less. Complete the online finance application and we will call you the same day with your options.
4. Do I need a down payment?
Not always. Some customers qualify for zero down payment. Call us at 905-667-9094 to discuss your specific situation.
5. What documents do I need?
You will need: valid government-issued photo ID, proof of income, and proof of address. You do NOT need to provide your Social Insurance Number to apply.
6. Can I get approved after bankruptcy?
Yes. We work with lenders who specialize in post-bankruptcy financing, whether your bankruptcy is discharged or undischarged.
7. What types of vehicles do you carry?
We carry 40-50 used vehicles including Honda, Toyota, Jeep, Tesla, BMW, Mercedes-Benz, and Audi. All come with a free Carfax report and limited warranty.
8. Do you offer same-day delivery?
Yes. In many cases we can deliver your vehicle the same day you are approved. Call 905-667-9094 to confirm.
9. What areas do you serve?
Located at 56 Kenilworth Ave N, Hamilton, ON. We serve Hamilton, Stoney Creek, Burlington, Mississauga, and all of Southern Ontario.
10. Do you offer test drives?
Yes. Book a test drive at Brown Boy Toys by calling 905-667-9094 or visiting us at 56 Kenilworth Ave N. Open 7 days a week, 9am-7pm.
11. What is second chance financing?
Second chance financing helps buyers denied by traditional lenders. We work with specialist lenders who look at your current income, not just your past.
12. How do I start the process?
Three options: (1) Apply online at brownboytoys.ca/finance-application. (2) Call 905-667-9094 - available 7 days a week. (3) Walk in at 56 Kenilworth Ave N, Hamilton.
