We work with a network of Canadian lenders to secure competitive financing for all credit situations — bad credit is welcome here.
Takes 5 minutes. No hard credit check at this stage. We'll be in touch within 24 hours.
We keep it simple. You can fill out the form on this page or call us at (778) 829-6669 during business hours. Once we have your information, we shop it around to the lenders we work with - banks, credit unions, and a few specialty finance companies. They come back with terms based on your credit profile and the vehicle you're looking at. We then walk you through the options in plain language. No pressure, no surprise fees added after the fact. If you want to take a day to think it over, that's fine. The car will still be here if the numbers make sense for you.
We handle the paperwork on our end so you don't have to chase signatures between the dealership and the lender. You'll know the rate, the term, and the monthly payment before you sign anything. If you have a trade-in, we'll appraise it and apply the equity toward the down payment. That part happens right here at 2153-21320 Westminster Hwy.
We see all kinds of credit histories - good, average, bruised, or thin. People who've been through a divorce, a job loss, or just haven't built much credit yet. We submit the same application to our lender network regardless. Some lenders specialize in prime credit, others look at the bigger picture. We don't decide approval; the lenders do. What we do is make sure your application reaches the right ones.
There's no cost to apply and no obligation to take an offer if the terms don't work for you. Whether you're looking at a commuter car or something special, the vehicle type doesn't change how we treat the application. If you've been turned down elsewhere, it's still worth a conversation. Sometimes a different lender sees things differently.
Having a few documents on hand speeds things up. Bring a valid government-issued photo ID - driver's licence or passport. Proof of income: recent pay stubs, a letter of employment, or if you're self-employed, your last two years of tax assessments or NOAs. Proof of address: a utility bill, bank statement, or lease agreement dated within the last 90 days. If you have a trade-in, bring the registration and any loan payout information.
That's the core list. The lender might ask for a couple of additional items depending on your situation - references, a void cheque for pre-authorized payments, or proof of insurance once you're approved. We'll let you know if anything else comes up. You can drop scans or photos by email at info@luminaiauto.ca, or bring them in person. The faster we get the complete file, the faster you get an answer.
The process is the same whether you're buying a Mazda3 or one of the JDM Alphard vans we have in stock. The lenders we work with understand that an older Toyota imported under the federal age-exemption rules isn't the same risk as a 15-year-old domestic car with unknown history. We provide the auction sheet, the import documentation, and the BC inspection results so the lender can see exactly what the vehicle is. That transparency helps.
Enthusiast cars like the BMW M3 or the Ferrari 430s follow a similar path. Some lenders have programs for collector or specialty vehicles; others treat them like any other used car. We know which ones to approach first. If you're putting down a larger deposit or have a strong trade, that opens more doors. Call us at (778) 829-6669 if you have questions about a specific car before you apply. We'd rather you ask up front than discover a limitation halfway through.