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.
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:
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!