Frequently Asked Questions

What if my payment doesn’t go through?

We understand that unforeseen events happen, and we want to keep you on track. Please call Customer Service in the event that you are unable to make a payment, and one of our representatives will work with you to find a solution.

Why is my vehicle beeping when I start it?

Your vehicle beeping is an indication that we are trying to get in contact with you. Please call Customer Service and they will provide you with more information.

Why won’t my vehicle start?

In certain circumstances, it is our policy to disable your ignition through the GPS device installed in your vehicle. While we have no control over possible mechanical reasons for ignition trouble, please call Customer Service as soon as possible to resolve the situation.

Why is there a GPS device in my vehicle?

We are here to help you help yourself to rebuild your credit, and the GPS system aids us both in this endeavour. With the ability to set notification sounds, as well as disable your vehicle’s ignition in more serious circumstances, we are imposing on you a sense of accountability, which will help keep your payment schedule on track.

Can I change my payment schedule?

Our Customer Service team is ready to work with you to create opportunities for success. With this in mind, we are happy to make adjustments to your original payment schedule, provided your account is current. To discuss changes to your schedule please call Customer Service.

How can I change my contact or banking information?

Click here to fill out a change of contact information form. To update banking information, either fax (1-888-819-3092) or email ( us either a void cheque or a new pre-authorized debit form.

How can I lower my interest rate?

As credit rebuilders, we pride ourselves on graduating customers to lower interest rates. After making consistent, on time payments for 10 months to 1 years, you can go back to the dealership you purchased your vehicle from and trade it in to get refinanced on a newer vehicle with more advantageous loan terms. Call Customer Service to discuss the state of your account and to obtain further information on lowering interest rates.

My remaining balance hasn’t gone down as much as I thought. Why?

In a high interest loan, a large portion of your initial scheduled payments go towards paying off the interest portion of your loan. To lower the principal balance, and pay off the loan earlier, we suggest making additional payments when you can. To do this, contact Customer Service and let them know you wish to apply a supplementary payment directly to your principal balance.

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