T&T Auto Finance
Late payments, a low score, or a rough year — we look at where you are now, not just your file. Tell us a bit about your situation and we'll show you real options before you set foot on the lot.
Good Credit. Bad Credit. New Credit. Let's Find a Solution.
A 610 score, a fresh start after bankruptcy, and a newcomer with no Canadian credit file need different things. Here's where people usually land.
New to Canada
Financing options may be available, even without Canadian credit history.
Bankruptcy / Proposal
Rebuilding your credit. We can help explore vehicle financing that fits.
First-Time Buyer
Buying your first vehicle and building credit for the first time. Start here.
High-Rate Trade
Paying too much interest on your current auto loan? Let's review it.
General Approval
Just need a vehicle? Start with financing and we'll take it from there.
How it works
From "where I'm at" to keys in hand — four stops, no surprises.
1. Tell us your situation
Two minutes, soft credit check only — your score isn't touched.
2. Talk to a real advisor
A person, not a script, walks you through what's realistic.
3. See matched options
Vehicles and terms picked for your budget and approval odds.
4. Drive away approved
Sign at T&T Honda and go — no runaround.
Connect With Our Team
FAQs:
Will checking my options hurt my credit score?
No. The initial pre-qualification uses a soft check, which doesn't affect your credit score. A full application later, if you choose to proceed, involves a standard hard check — we'll always tell you before that happens.
What credit score do I need?
There's no fixed cutoff. We work with a range of lenders, so approval depends on your income, employment, and overall situation as much as your score.
I'm in a consumer proposal or recently discharged bankruptcy — can I still apply?
Yes. This is one of the situations we work with most often. Bring your discharge or trustee documentation and an advisor can walk you through what's realistic.
Do I need a down payment or trade-in?
Not always. It can improve your terms, but several of our lending partners offer options with no down payment required, depending on approval.
Am I locked into buying a vehicle?
No. Getting pre-qualified shows you what you'd likely be approved for — there's no obligation to purchase anything.
