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Bad credit, no credit, bankruptcy and more - we can help you secure financing. We can help you get approved for a new or used vehicle, regardless of your current credit rating. Our car loans provide flexible terms to meet your specific needs. The application process is quick and easy and it won’t take more than 10 minutes of your time.
If you are ready to get the car loan you need, with a competitive interest rate, and low monthly payments, begin the application right away. We have a 98% approval rate for our loans. We also have an excellent customer service team that is standing by to provide you more information or to answer any questions you may have.
On The Spot Financial was established to meet the needs of people who have had or currently having challenges in obtaining an automobile due to fixed income or only receiving other types of income such as Social Assistance Benefits, Disability income, Child Tax Benefits, Maternity Leave, and other. We are a customer-focused organization, here to help you get financing or leasing for a vehicle.