Home › Financing pre-approval
Start with your budget. Not the paperwork.
Most dealers make you fall for a car first, then find out if the payment works. We do it the other way around. Tell us what you can afford and a bit about your situation — about two minutes — and we'll come back with real options from cars that actually fit.
Financing for all credit types: good credit, building credit, a rough patch, or your first loan in Canada. No pressure and no obligation — if the numbers don't work for you, they don't work, and we'll say so.
Got it — we're on it.
Thanks. Your answers are with our team at 1037 Belfast Rd. During store hours we get back to you fast — usually within minutes — from 613-680-4171. After hours, first thing when we open.
While you wait, have a look at what's on the lot right now — every car is safety certified with warranty and a free CARFAX included.
Browse cars in OttawaHow it works
1. Two minutes, up front
Budget, credit situation, work, trade-in. The same questions any lender will ask — asked once, here, instead of after you've fallen for a car you can't afford.
2. We call with real options
We work your numbers first, then call you with what actually fits — real cars, real payments. If nothing fits honestly, we'll tell you that too.
3. Pick your car, test drive it
Choose from what's on the lot at 1037 Belfast Rd, or ask about sourcing — if we don't have it, we may be able to find it. Delivery is available.
Every Lancaster car includes
- Safety certification
- 6-month / 6,000 km powertrain warranty, with upgrades available
- Free CARFAX Canada report
- Prices shown as sticker + HST & licensing — no surprise fees added later
Straight answers
Do I have to pick a car before I apply?
No — that's the point of this page. Start with your budget and situation, and we'll match you to cars that fit. If you already have one of our cars in mind, tell us in the form and we'll run the numbers on that one.
What if my credit is bruised, or I have none yet?
We offer financing for all credit types, including first loans and new-to-Canada buyers. We can't promise an approval before we see the full picture — anyone who does is guessing — but we will give you a straight answer and a plan either way.
What will the car actually cost?
The price you see is the sticker price, plus HST & licensing. Every advertised price already includes the safety certificate and the 6-month / 6,000 km powertrain warranty. Your monthly payment depends on the car, your down payment and the term — we'll show you the real numbers before you decide anything.
Can I trade in my current car?
Yes, trade-ins are welcome. Tell us about it in step 5 and we'll value it as part of your options. It can lower the amount you finance.
Call us at 613-680-4171 — Mon–Thu 9–6, Fri 9–5, Sat 9:30–5. No scripts, no pressure.