Our Process

Once you complete the quick and easy online application, one of our Special Finance Managers will be in contact to review your application with you. They will properly assess your credit situation and submit your application to the appropriate lenders. Over the years we have developed very strong relations with lenders which helps us negotiate the lowest interest approval for you!

We work with you every step of the way until you drive away with the vehicle of your choice! Also, if you are like thousands of other people that have been paying high interest loan payments on time for a minimum of 10 months, as well as all your other debt requirements, we can help you. We can get you into a newer vehicle and definitely lower your interest rate quite substantially! AFX’s simple process is designed to make it as easy as possible for you to get into the vehicle best suited for you, your needs and your budget!!

About Us

AFX Auto Financing Experts Inc. was founded and started in 2006 by a group of top auto professionals who have been in the business for over 50 years combined. The company was started as we noticed a vast percentage of people coming through the doors that were unable to get approved with the conventional banks. AFX Auto Financing Experts Inc. understands first hand what clients need and how they feel being turned away. Everybody’s financial situation is different! We will help take the stress off and guide you through the appropriate steps needed to get you driving away today! At the same time you will be building OR re-building your credit!

When you finance a vehicle you usually make your payments to the lender directly not the dealership. However, some dealerships offer what’s called in-house financing which allows a consumer with bad or no credit a loan where they may have been turned down everywhere else. In this situation that consumer would be responsible to make payments directly to the dealership.

Understand Your Credit

Your credit report includes personal information such as current and previous addresses and employers. Some of the financial information includes:

  • your bank accounts, including any declined cheques or non-sufficient funds (NSF) payments
  • a court decision related to credit against you
  • current credit such as credit cards, lines of credit, or loans
  • bankruptcy


  • Any record of bankruptcy on credit bureau
  • How long your credit file has been open
  • Number of inquiries on your credit file
  • Which type of credit you are using