Do You Qualify

Do I Qualify

Check your eligibility before you apply

No credit check, no complicated criteria. Most Vernon residents who own a vehicle qualify — tick off the boxes below to see where you stand.

Quick Self-Check

Tick what applies to you

I’m 18 years of age or older

I’m a resident of British Columbia, Canada

I own a vehicle registered in my name

I have a valid government-issued ID

I have a steady source of income

I have an active bank account

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Criteria met

Start ticking the boxes

Check off what applies to you and we’ll tell you how you’re looking.

Apply Now

This is a quick self-check, not a guarantee of approval.

What Helps

Things that work in your favour

A vehicle with equity

Newer, lower-mileage vehicles typically unlock a higher loan amount.

Consistent income

Regular income — employed, self-employed, or benefits — helps approval move faster.

Complete, accurate info

Double-checking your application details avoids back-and-forth delays.

What Doesn’t Matter

Things that won’t hold you back

Past credit history

We don’t run a credit check, so a low score or past issues won’t disqualify you.

Being self-employed

Freelancers and business owners are welcome to apply, same as salaried applicants.

Existing loans elsewhere

Having another loan doesn’t automatically rule you out — we look at your full picture.

Looking good so far?

Start your application now — it only takes a few minutes.