Absolute honesty and transparency is what we stand for. Nothing less. Here are the answers to the most common questions we get asked.
Yes. We will be doing a credit check to get all the required information. That process will affect your credit score.
This is not the answer Canadians like to hear, but it is the honest one.
With the full picture we get you real numbers; avoiding the guessing games that waste your time.
If a dealer or even another business like ours doesn't put you first and let you know, don't trust them. They likely focus on profit over your best interests.
There is no "minimum" credit score you need to apply.
Everyone's credit score is different with some having great credit, some having fair credit, and some needing to rebuild their credit.
We look at the full file not just one number, so don't count yourself out because you believe you won't get approved. There is always a chance.
You will get an automatic email response on a successful submission.
A specialist will contact you when they review your file. This is in case you have any updates to share and to keep you updated on the progress.
The specialist will contact you again when they're ready to share your options. We aim to process applications within 1-2 days of submission.
Nope. We are a finance matching platform.
We help you understand your financing options before you even see a vehicle.
Once you are comfortable, we help you find and finalize the deal with dealers for your chosen vehicle.
A Zilla Finance specialist.
They'll email you when they begin processing your application.
If they don't need more info, you'll hear from them when the numbers are ready. This process usually requires 1-2 business days.
The lender basics:
If something is missing we'll reach out to you.
Absolutely! New, used or even rebuilt vehicles are on the table.
The better question is what are the numbers for that vehicle and if they fit you. Once we help you figure that out, choosing a vehicle is a matter of staying within the budget.
No, applying is completely free.
We get paid by helping you finalize a deal with one of our partners, not by charging you to ask for your options.
We want to keep your best interests in mind throughout the whole process. This focus ensures we provide the highest level of customer service.
If you feel you're not getting the best customer service, tell us right away. We have a standard to maintain.
You'll connect with a specialist to review your options.
Once the numbers make sense we help you find a vehicle that fits.
After you find a vehicle, you take it for a test drive; if you like it, you buy it.
No need to figure out if you can afford it; you already did all the legwork to get the info.