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Copyright © Spiffy Auto Detailing.


Affordable Loans With Flexible Terms

No Credit Checks - Our loans are approved based on the value of your vehicle, not your credit score.


Simply click apply now and follow the instructions. The Spiffy application process is quick, easy, safe and secure.

Yes! Our loans are approved based on the value of your vehicle and not your credit score. It doesn’t matter what your credit score is, if you declared bankruptcy, or are currently unemployed.

  • No credit checks or references are required.
  • Your vehicle will be used as collateral to a maximum loan amount of $10,000 CDN.
  • You are not required to own your vehicle outright.

Our loan is based on the value of your vehicle as determined by Canadian Black Book™.

The minimum requirement is that your vehicle’s wholesale value is $3,000 or more, based on the year, make, model, trim and mileage of your vehicle.

The following are required to be submitted through our secure web application:

  • A valid driver’s license.
  • Proof of vehicle insurance.
  • Vehicle Registration document with your name on it.
  • Photo of the front, rear and odometer of your vehicle (Turn on your vehicle when taking a picture of your odometer. We require accurate mileage).
  • A clear photo of the vehicle’s ‘vehicle identification number’ (VIN) or scan of the VIN bar code (usually located near the inside of the driver’s door).
  • Verification of your Canadian bank account using your online banking credentials or a picture of a void cheque.

Once you have captured all necessary information and submitted it through the application, you will be notified in minutes of your loan status by SMS and email.

Once you are approved, the Service Center you selected is notified by email and SMS that you are approved for repair work up to your maximum loan amount. After the repair work is completed, the Service Center will send the final invoice to you for your review and approval. You will then pay our small loan set-up fee and e-sign the loan documents in the app. We pay the Service Center directly!

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