At CARGEM AUTO SALES, we’re here to help you b the vehicle you love. Our finance team takes pride in guiding you through the entire purchasing process. We work exclusively with Quantifi Lending to match you to an affordable loan. Once you fall in love with one of our vehicles, we walk you through everything.

Why Finance With Us?

• We cater to all kinds of customers: self‑employed workers, ride‑share drivers, students, new Canadians and people with limited or blemished credit. There’s no minimum time on the job required.

• Fast digital process: After we chat about your needs and you choose a vehicle, we’ll send you a secure Google form to collect the information needed to start your application.

• Comprehensive evaluation: Quantifi looks beyond your credit score and considers your whole financial picture, including expenses like rent and insurance, to offer a personalized loan.

What Happens Next?

• Find Your Vehicle: Browse our inventory online or book an appointment to visit us in person. We’ll help you choose a vehicle that fits your budget and needs.

• Digital Form: We’ll send you a Google form to gather the information needed for income verification and credit review. You can fill it out securely from your phone or computer.

• Income Verification & Application: Once your income is confirmed, Quantifi runs a credit check. Approvals usually come within minutes and funding is often completed within hours.

• Review & Sign: We’ll review the loan offer with you, explain the rate, down payment and term, and answer all your questions. Once you’re comfortable, we’ll finalize the paperwork so you can drive away in your new vehicle!