Frequently Asked Questions

Yes. LIAF Auto Finder works with buyers across Alberta who have bad credit, no credit, or past financial difficulties such as missed payments or a consumer proposal. We match your situation with financing options from our network. A low credit score does not automatically disqualify you — many of our approved customers started with poor credit.

Most applicants hear back within one business day, often much sooner. The online pre-approval form takes about 60 seconds to complete. Once we review your information, we contact you with the financing options available for your situation.

No down payment is required to apply, and many financing options are available with little or no money down. That said, having a down payment — even a modest one — can improve your approval chances and lower your monthly payments.

Filling out our pre-approval form does not affect your credit score — it is a simple inquiry with no hard credit pull. If you decide to move forward with a specific financing offer, the lender may run a formal credit check at that stage, and we will always tell you before that happens.

Possibly. Some of our lending partners work with people who are currently in bankruptcy or have been discharged. LIAF Auto Finder is not a direct lender and approval is never guaranteed — it depends on your trustee, income, and overall situation. The best step is to apply and let us review your options.

Possibly. Many lenders work with people in an active consumer proposal, especially if you’ve been making consistent payments. LIAF Auto Finder is not a direct lender and approval is never guaranteed. Apply and we’ll review what options may be available for your situation.