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Financing Information

Western Auto Sales provides loans for all clients and all types of credit. From good credit to bad credit, Western Auto Sales is your one stop shopping for your vehicle financing needs with no appointment necessary.

Prime Rate Banks

Our participating Prime lenders include TD Auto Finance, Royal Bank Auto Finance, and Northern Credit Union Auto Finance. All three lenders provide instant approvals of perfect credit clients and all have competitive prime lending interest rates and terms. With 3 prime lenders available Western Auto Sales has the best financing to suit your vehicle purchase needs, quick and easy with no application appointments required.

Non-Prime Auto Lenders

Our participating Non-Prime lenders include TD Auto Finance Non-Prim and Scotia Dealer Advantage Non-Prime and Royal Bank Non-Prime Auto Finance. These vehicle lenders offer non-prime financing from 9.9% up to 31.9% often with $0 down payment. These lenders are a great tool for Western Auto Sales clients with less than perfect credit or previous credit issues that would decline them from the Prime Rate Banks category. A simple online application, over the phone application, or in person application will allow Western Auto Sales to find the best lender for your credit score, and find the right vehicle with the Non-Prime lenders pre-approval process.

Buy Here Pay Here

When all Prime Banks and Non-Prime lenders have declined a client Western Auto Sales will be able to offer a Buy Here Pay Here In-House Lease To Own Finance Option. Buy Here Pay Here simply means that you will pay your vehicle payments directly to Western Auto Sales for the vehicle you have purchased. Western Auto Sales has been reporting credit for all current Buy Here Pay Here clients to credit reporting company Equifax. With proper dedicated credit reporting you will see your credit improve over the months and years you make a payment to Western Auto Sales! When your credit has been rebuilt we will move your next vehicle purchase to the next level of financing through either Prime Bank or Non-Prime Lenders who will review and make a decision on your newly rebuilt credit file. There are conditions for Buy Here Pay Here so please fill out an application online, over the phone, or in person and Western Auto Sales staff will determine your vehicle options, and down payment requirements.

Applying Online

Our web site has an online credit application form which you can fill out and submit electronically. This application form is protected by encryption using SSL (Secure Socket Layer). Review our privacy policy to see how we are committed to protecting your information.

Easy as 1-2-3:

  1. Fill out online application form and submit.
  2. After submission, our service staff will review your application and begin the process to get you approved.
  3. On your approval, our staff will contact you directly to proceed to the next step of getting you into your car!

Simple and efficient. Apply Now!

Apply by Application or Fax 1-705-268-6744

We have placed a printable copy of our Credit Application online for your convenience. Simply print it out and fill in the required information. You can then fax us the information for pre-approval, or drop in at the dealership with your application ready for approval.

Download the Credit Application Form

Apply in Person

Drop by the dealership anytime and we’ll approve you on the spot. Bring along your identification and information and we’ll match your financing options to your needs. You can even drive away in your newly purchased vehicle!

302 Algonquin Blvd. West
Timmins, ON
(705) 268-6221

Call us TOLL FREE at: 1-866-772-6221

Finance with Western Auto Sales