Drive a vehicle you’ll love, with payments you can afford

CreditFit™ sees your full story, not just your credit score.

Serving Alberta since 1999

“We’re paying $21,000 for the vehicle — then $23,000 in interest…”


Sounds like a nightmare, right?

But guess what, this actually happened to a couple in dire need of wheels.

They leapt at the first ‘yes’ from a lender, a move as common as rush hour traffic when you’re cornered.

We hear this kind of tale all the time.

It’s like a bad movie on repeat.

You’re getting the cold shoulder from lender after lender.

Desperation sets in.

Then, out of nowhere, a dealer rolls out the red carpet –

But wait, there’s a catch.


Let’s flip the script, it doesn’t have to play out like this…

Here’s the inside scoop:

It’s all about teaming up with lenders who get you.

The ones who look beyond that number the credit bureaus have tattooed on your file.

Queue our superhero entrance:
CreditFit™ program to the rescue!

Think of us as your financial Sherlock Holmes, piecing together the clues of your story to land you a deal that fits like a glove – tailored to your financial and credit profile.

Here’s how it works:

Tell Us Your Story

Tell Us Your Story

Start by filling out our easy form. Let us know your past challenges and future dreams. It’s the first step towards a car loan that understands you.

Meet Your Matches

Meet Your Matches

Our innovative system reviews your story to find lenders who appreciate your potential. We look beyond the numbers to connect you with the best options.

Choose & Drive

Choose & Drive

Select the deal that suits you best and step into the future with confidence. It’s time to drive away in your new car, ready for the adventures that await.


8 big reasons to try CreditFit™

Choose Your Vehicle
Trusted Experience
We Understand You
Credit Boost
Easy Down Payments
Lower Rates
Many Lenders
Tailored Loans

It’s time to get behind the wheel

Don’t let your credit stop you from driving the vehicle you need.

Quick and personalized loan matches that respect your financial history

Easy and transparent application process — no hidden fees

Improve your credit score while driving a reliable, affordable vehicle


Frequently asked questions

To make your journey towards financing a used vehicle as smooth as possible, here’s what you’ll generally need:

Residency: You should be a resident of Canada, ready to embark on the road to vehicle ownership.

Age: You need to be the age of majority in Alberta —18 years old.

Driver’s License: A valid Canadian driver’s license (from Alberta or another province) is required.

Proof of Income: Demonstrating you have a steady income is crucial. While the specifics can vary, a typical benchmark is around $2,200 monthly before taxes. This ensures you can comfortably manage your loan repayments.

Credit Score: Familiarize yourself with your credit score. A strong credit score is beneficial, but not always necessary. We’re here to navigate the financing options available to you, regardless of your credit history.

Stability and Proof of Residence: Lenders will ask for your employment history and proof of where you live to understand your financial landscape better.

Loan Amount Considerations: There’s often a minimum loan amount. For example, some institutions start personal car loans at $10,000.

Remember, lenders have diverse criteria, and some are particularly accommodating to individuals overcoming financial hurdles or rebuilding credit. We recommend exploring various lenders and their offerings to find the best fit for your situation.

We’re proud to offer an extensive selection of vehicles that includes all popular makes and models of cars, trucks, vans, and SUVs from 2014 and newer. Our extensive wholesale network ensures that our inventory is constantly updating, providing you with a wide variety of choices to meet your needs and preferences.

What sets us apart is not just the diversity of our vehicle selection but also our unbeatable rates and prices. Thanks to our strong relationships within the automotive industry and our dedicated efforts to negotiate the best deals, we’re confident in our ability to offer rates and prices that are highly competitive. Whether you’re in the market for a dependable family SUV, a practical and efficient sedan, a spacious van, or a powerful truck, we have options that will suit your lifestyle and budget.

Our CreditFit™ service takes this a step further by tailoring vehicle recommendations specifically to your financial situation and preferences. This means that you’re not just getting access to a broad selection of high-quality vehicles, but you’re also matched with options that align with what you can comfortably afford, ensuring a perfect fit between your needs and your financial health.

Remember, our goal is to make sure you drive away in a vehicle you’re proud to own, coupled with a financing plan that makes sense for you. We invite you to reach out to us for a personalized consultation where we can explore the available vehicle options and discuss how our unbeatable rates and constantly updating inventory can benefit you.

Interest rates can vary widely, influenced by several key factors, each playing a significant role in determining the final rate you might be offered.

At Guaranteed Auto Approvals, we strive to secure the most favorable rates for our clients, taking into account your unique financial circumstances. Here’s how various factors come into play:

Credit Score: Your credit score is one of the primary determinants of your interest rate. Generally, higher credit scores can secure lower interest rates. However, our CreditFit™ program specializes in assisting individuals with a wide range of credit scores, including those facing challenges, by finding lenders who are more understanding of your situation.

Loan Term: The length of your loan can also impact your interest rate. Shorter loan terms often come with lower interest rates, as they represent a quicker repayment and, consequently, less risk for the lender. We’ll work with you to find a term that balances your monthly payment affordability with the overall cost of the loan.

Vehicle Age and Type: The age and type of vehicle you’re financing can affect your interest rate. Newer vehicles typically qualify for lower rates, but we ensure our clients have access to a selection of newer model vehicles (2014 and newer) across cars, trucks, vans, and SUVs, aligning with both your desires and financial health.

Down Payment: The amount you’re able to put down upfront can influence your interest rate. A larger down payment decreases the loan amount and can reduce the lender’s risk, potentially lowering your rate. Our team can help you explore options that fit your ability to make a down payment.

Income and Employment History: Stable income and employment history reassure lenders of your ability to repay the loan, which can positively impact your interest rate. We assist in presenting your financial situation in the best light to our network of lenders.

Our approach with CreditFit™ involves a comprehensive review of these factors as they apply to you, allowing us to tailor loan options specifically designed to match your financial situation and vehicle needs. This personalized strategy aims to secure you not just any loan, but one with the most competitive interest rate available to you.

Interest rates are a critical component of your auto financing journey, and we’re here to navigate this aspect with you, ensuring transparency and understanding every step of the way.

A cosigner may be recommended in traditional lending scenarios, especially when an applicant’s credit history or income might not meet the lender’s standard requirements on their own. Having a cosigner can sometimes secure a lower interest rate or increase the likelihood of loan approval because it provides an additional layer of financial security for the lender.

However, our approach is designed to minimize or, in many cases, eliminate the need for a cosigner. Here’s how we do it:

Personalized Matching: Through CreditFit™, we analyze your financial situation and credit history to match you with lenders more likely to approve your loan without requiring a cosigner. This includes lenders who specialize in or are more sympathetic to individuals with credit challenges.

Extensive Lender Network: Our wide network of lenders includes those willing to work with a variety of credit profiles. This diversity increases your chances of finding a loan that fits your unique circumstances.

Negotiation on Your Behalf: We actively negotiate with lenders to secure terms that align with your ability to repay the loan independently. This involves presenting your financial situation in the best possible light, emphasizing the strengths of your application.

Education and Empowerment: We believe in empowering our clients with knowledge and tools to improve their creditworthiness. This might include advice on steps you can take to enhance your credit profile, potentially reducing the necessity for a cosigner.

Flexibility in Loan Terms: Our tailored approach allows for flexibility in the loan terms, such as adjusting the loan amount or down payment, to better align with what you can manage without needing additional support.

It’s our aim to make the process of securing an auto loan as smooth and empowering as possible, giving you the autonomy to make decisions that best suit your financial journey. However, if it turns out that a cosigner could significantly improve your loan terms, we’ll discuss this option with you transparently, including how it works and what it means for both you and the cosigner.

Ultimately, every situation is unique, and we’re here to provide the guidance and support needed to navigate your auto financing path, cosigner or not. Let’s explore your options together and find a path forward that puts you behind the wheel of your next vehicle with confidence.

We understand the concern around hard credit inquiries and their impact on your credit score.

It’s important to approach this with both caution and strategy.

Here’s an expanded look at how our CreditFit program is designed with your credit health in focus, incorporating some critical insights about credit inquiries:

Understanding Hard Inquiries: Hard credit inquiries occur when a lender checks your credit report as part of the loan application process. While each inquiry might lower your credit score by a few points, typically between 5 and 10, the exact impact varies based on your overall credit history. It’s a factor in your credit score because it reflects new credit seeking behavior.

Temporary Impact and Proportion: The effect of a hard inquiry is temporary, usually influencing your score for up to 12 months. Hard inquiries account for about 10% of your credit score calculation. This temporary nature means the impact isn’t long-lasting and is only one part of a broader credit score picture.

Smart Strategy with Multiple Inquiries: Our CreditFit program aligns with the best practices for rate shopping. Multiple inquiries for auto loans within a 14 to 45-day window are generally counted as a single inquiry. This minimizes the impact on your score, allowing you to shop for the best rates without undue worry about multiple hits to your credit.

Mitigating Impact through Strategic Applications: We guide you in strategically timing your applications. By focusing on lenders with the highest approval likelihood from the start, we reduce the need for numerous applications. This careful approach helps in managing the number of hard inquiries, minimizing potential impacts on your credit score.

Educational Support: Understanding the dynamics of credit inquiries, including their temporary effect and how they fit into the broader context of your credit report, is key. Hard inquiries can stay on your credit report for up to 3 years in Canada, but their influence diminishes over time. We aim to empower you with this knowledge, helping you make informed decisions about when and how to apply for credit.

Incorporating these insights into our CreditFit process underscores our commitment to not only finding you the best financing options but also protecting and educating about your credit health.

It’s about striking the right balance—securing the auto loan you need while maintaining a healthy credit score.


Speak with an auto loan expert today:


Office hours are 9 am to 7 pm, Monday to Satuday. Closed Sundays.
You can also send us an online message if you prefer.