A Short-Term Lease That Gets You Approved — 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, real approval, 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 proof of a good financial decision showing up on your credit report every single month.

See What I Can Drive

A Short-Term Lease That Gets You Approved — and Gets Your Credit Moving.png

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 Approved — 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.

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.

Real Approval — Fast

We look at income and affordability, not just credit score. Approvals often happen same-day. You could be driving within days of reaching out.

Equifax Reporting From Day 1

Every payment you make is reported to Equifax monthly. That's positive credit history accumulating from your very first payment. Most customers see score improvement within 12 months.

Rate Starting at 8.9% OAC

We're not here to trap you in a predatory rate. Our rate starts at 8.9% on approved credit — a significant difference from lenders who charge 29.9% or more for similar credit situations.

Reliable Vehicles — Inspected and Guaranteed

Low-kilometre vehicles that have passed our multi-point inspection. Every lease comes with our 5-Day Exchange Guarantee — if it's not the right fit in the first five days, we'll find you something better.

Delivery Anywhere in Ontario

You don't have to drive to Walkerton. We can bring the vehicle to you.

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.

We can pre-approve you before filing, so you walk into the process knowing your transportation is handled. You return the vehicle with too much negative equity, we put you in something that fits your post-filing budget — and the lease starts rebuilding your credit from Day 1.

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. Our in-house lease program is one of the few financing options specifically available to people who are in — or about to enter — a consumer proposal. We review affordability directly, not your proposal status, and we approve based on what you can actually manage month to month.
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.
Yes. 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.
The terms of the early opt-out are explained fully before you sign anything. We're transparent about what's involved. There are no hidden exit fees buried in fine print — we walk through all of it with you upfront.