A Short-Term Lease That Gets You Driving — and Gets Your Credit Moving

Starting fresh? Coming out of a rough stretch? Our short-term auto lease program is built specifically for you — low commitment, an honest look at your file, Equifax-reported from Day 1.

If you're about to file a consumer proposal or bankruptcy, have limited credit history, or are new to Canada — this program was designed with your situation in mind. Minimum 12-month commitment with an early opt-out option on a 24 or 36 month lease. You get a reliable vehicle, a manageable payment, and your payments reported to Equifax every month, so on-time payments build positive history.

See What I Can Drive

A Short-Term Lease That Gets You Driving — and Gets Your Credit Moving

A lease is an agreement where you pay to use a vehicle over a set period — rather than borrowing money to own it outright. At the end of the lease, you can return the vehicle, upgrade, or, in many cases, purchase.

A Short-Term Lease That Gets You Driving — Buy Here Pay Here That Gets Your Credit Moving

What Is a Short-Term Auto Lease?

Our short-term lease works on a 24 or 36 month structure with an early opt-out option starting at just 12 months. That means if your situation changes — if you get discharged from your proposal sooner than expected, or you want to transition to financing — you're not locked in.

And because we report to Equifax, every on-time lease payment is positive credit history. A short-term lease isn't just transportation — it's a credit-building tool with a low barrier to entry.

And leasing is just one way we can help. If financing suits you better, we work with lending partners from subprime to prime to find the option that fits your credit, your budget and your plans. All financing O.A.C.

This Lease Was Built for People Who...

You don't have to be in crisis to use this program. You just need a situation that's a bit different from what banks are designed to handle — and this is exactly what we built this for.

Are about to file — or have filed — a consumer proposal or personal bankruptcy

Are new to Canada and don't yet have a Canadian credit history

Have limited or no credit history and need a way to start building it

Need reliable transportation now but don't want a long-term commitment

Have been declined for traditional financing

Want to demonstrate creditworthiness before moving to a longer-term loan

Why a Short-Term Lease Makes Sense Right Now

Low Commitment

Minimum 12 months. Early opt-out option available on the 24 or 36 month lease structure. You're not locked in for years while your financial situation is still evolving.

Approval Based on Real Life

We look at income and affordability, not just credit score. Once you're approved, we can move quickly. All leases O.A.C.

Equifax Reporting From Day 1

Your payments are reported to Equifax monthly, so every on-time payment adds positive history from your very first one.

Rate Starting at 8.9% OAC

Our rate starts at 8.9% on approved credit. No predatory rates.

Reliable Vehicles — Inspected and Guaranteed

Every vehicle meets Ontario safety standards, with at least half the life left on its tires and brakes. Delivered vehicles come with our 5-Day Exchange Privilege — if it's not the right fit, exchange it within 5 days or 500 km of delivery. Conditions apply.

Delivery Anywhere in Ontario

You don't have to drive to Walkerton. We deliver from Windsor to Ottawa and Niagara Falls to Sudbury.

Getting Your Vehicle Sorted Before You File

One of the most common — and most important — things we do is help people secure reliable transportation before they file a consumer proposal or personal bankruptcy.

Here's why it matters:

Once you've filed, getting approved for a new loan or lease becomes significantly harder — at least in the short term. If your current vehicle has negative equity, payments you can't sustain, or is simply no longer reliable, filing without a plan often means being left without transportation.

Our short-term lease program solves that.

If you're planning to file, we can look at your situation before you file, so your transportation is part of the plan. We'll work through what happens to your current vehicle with you and your trustee.

We work with trustees regularly.

They know our rates are genuine and that we're actually invested in our customers' recovery. If you need a trustee introduction, we know good people — and we're happy to make that connection.

Your Questions, Answered

Yes, it's possible. We review affordability directly, not just your proposal status. All leases O.A.C.
At the end of your lease, you have options: return the vehicle, upgrade to a different vehicle, or in many cases purchase it. We'll walk you through the options well before your lease ends so there are no surprises.
Yes. With financing, you're working toward owning the vehicle — you borrow the money to buy it and pay it back over time. With a lease, you're paying for use of the vehicle over the lease period. At the end, you don't automatically own it. The advantage of leasing in your situation is lower barrier to approval and often a lower monthly payment — which makes it a better starting point for credit rebuilding.
It's possible. Not having a Canadian credit history is not the same as having bad credit — it just means the credit bureaus don't have data on you yet. We look at your income and your employment situation. If you can afford the payment, we work with you to build a plan. All leases O.A.C.
The terms of the early opt-out are explained fully before you sign.