FAQ

We believe that a person’s freedom should never be defined by a credit score. regardless of their past credit history 360 Approved works with a vast network of lenders and financial institutions across British Columbia, and our team will work hard to find you the best auto loan possible, quickly and painlessly.

Basically, the answer is yes; we can get you approved.

  • Do I qualify?

    If you have a steady income you will be eligible for an auto loan, the only differences that happen would be to the terms and conditions required for the approval. Our team specializes in getting every one of our clients approved for the best terms and conditions possible from our lenders. Again the main factor in getting a loan is having a steady income and stable residence.

  • How do I apply?

    At 360 Approved, we want to provide you with a stress-free experience. Applying for a car loan when you are unsure of your credit history can be scary you may be worried about being embarrassed if you were to be turned down. We won’t let that happen and offer you the convenience of applying multiple ways. You can apply either in person, online or with a simple phone call to our credit advisors @ 1877 788 6210 With 360 Approved we can get you approved and driving today!

  • How long does it take?

    Applying takes less than 5 minutes, and it’s free. You can call our team at 1877 788 6210 or fill out our free application online. Once we have all the information, we need to build your file the information is submitted, and we should see an approval issued within 1 to 2 business days. If you fill out our credit application online you will still be contacted by our Credit Advisor team to confirm information submitted online.

     

  • Will I be declined?

    If you have a steady Income for the last 90 days and a stable residency you should be approved.

     

  • I have been declined at other dealerships in the recent past, why should dealing with 360 Approved be any different?

    We at 360 Approved., have a team of experts working with clients that may have been turned down many times. We get them approved. We have the experience working with lenders to structure every deal the way the banks need to see it, so they will approve the loan. We are a high volume dealership ad as such have extensive experience with all major lending institutions in BC. Not all lenders are the same, and we know which leader to go to with each application.

     

  • How big is your inventory?

    360 Approved . has many 1500 vehicles to choose from at any given time. Car, trucks, SUVs and Minivans. Convertibles to high-end sports sedans. We have new vehicles arriving daily. Plus in the rare situation where we don’t have what you are looking for we can locate the car your want and bring it in within a day or two.

     

  • How much will my payment be?

    Payments depend on what vehicle you choose to go with. Many people are under the impression that payments will be lower on older vehicles when in many cases a newer car will have a smaller payment because can make the payments over a longer term. Our credit advisors work directly with you to create a budget that works to help you in reestablishing your credit. You will never see us push you into a monthly payment that is more than you can afford or causes you a burden. We have even provided a calculator so you can start to get an idea of what your payment will be here.

     

  • What are your interest rates?

    Probably the biggest question on someone’s mind when looking for a car loan. At 360 Approved we work with lenders strategically to select the right lender for your individual needs to make sure you get the best payments, rates, and terms possible. Banks assess risk depending on credit, and every lender has a different set of guidelines. Our Credit Advisors have the experience at getting the best rates and terms from lenders with different tactics developed from years of in the auto loans approval business.

     

  • Isn’t it hard to qualify for an auto loan?

    Qualifying for an auto loan should be easy providing it is in front of the right lender, and all necessary information they need have been included with the application. 360 Approved has been hugely successful at getting people approved when they have even been turned down in the past.

     

  • Do I qualify if I am on disability?

    Yes, stable and steady income from disability benefits will allow you to get approved for a car loan. We work with lenders that specialize in providing auto loans to people on disability.

     

     

  • Do I qualify if I am retired?

    Yes, stable and steady income from retirement will allow you to get approved for a car loan. We work with lenders that specialize in providing auto loans to retired people.