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L Green

I was very impressed with the assistance that I received. I wasn't expecting to receive what I did and so glad that I used this.

Carmen Cardinal

I'd definitely recommend this business to friends/family whom I know need the help and support from an ideal business

Scott Talbot

Very simplistic, easy to use service that provides financial relief for those in need for various reasons.

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Top 10 Questions about Credit Scores

  • What is a credit score and why is it important?

    A credit score is a numerical representation of your creditworthiness, reflecting how likely you are to repay borrowed money. Lenders use it to assess your risk as a borrower. A higher score typically leads to better loan terms and interest rates.

  • How is my credit score calculated in Canada?

    In Canada, credit scores are calculated by credit bureaus like Equifax and TransUnion. Factors include payment history, credit utilization, length of credit history, types of credit, and recent credit inquiries.

  • What is a good credit score in Canada?

    Credit scores in Canada range from 300 to 900. A score above 660 is generally considered good, while scores above 750 are considered excellent. These scores increase your chances of getting favorable loan terms.

  • How can I check my credit score in Canada?

    You can access your credit score for free through websites like Borrowell and Credit Karma. You're entitled to one free credit report annually from each major credit bureau.

  • How often does my credit score update?

    Credit scores can update regularly based on your credit activity. It's important to note that not all actions (e.g., payments, inquiries) impact your score immediately.

  • Can I improve my credit score, and if so, how?

    Yes, you can improve your credit score. Pay bills on time, reduce credit card balances, avoid opening multiple new accounts, and maintain a healthy credit mix. Over time, positive behavior will positively impact your score.

  • How long do negative items stay on my credit report?

    In Canada, negative items such as late payments and collections can stay on your credit report for 6 to 7 years, depending on the province. Bankruptcies may remain for 6 to 14 years.

  • Can I still get a loan with a low credit score?

    While it may be more challenging, you can still get a loan with a low credit score. However, interest rates might be higher, and you might need to explore options like secured loans.

  • Do credit scores affect more than just borrowing?

    Yes, credit scores can impact various aspects of your financial life. They can affect your ability to rent an apartment, get insurance, and even secure certain jobs.

  • Can I build credit from scratch in Canada?

    Yes, you can build credit from scratch by starting with a secured credit card or a credit-building loan. Responsible use over time will help establish a positive credit history.

About Dealerhop

Car-buying starts online in Canada with Dealerhop. Get approved to purchase a new or used vehicle without ever leaving home using fulfilment partners in your community.

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All Rights Reserved | Dealerhop Finance Ltd.

*Disclaimer: Payment terms and interest rates can vary. The lowest being 0% interest and up to 29.99% interest. We abide by all privacy laws and you are under no obligation to use our site. By using our site you understand all terms and conditions, and that payment, interest rates, and lease/finance terms will be determined at a later date when formal paperwork is signed. *Free Door-to-Door Delivery is not guaranteed. A fulfilment partner may not be able to offer this option due to staffing, lack of delivery tools, and other variables that are not in control by Dealerhop.com. Some fulfilment partners will not deliver outside a specific radius of their location. Please see dealer for details. By selecting an in-store or door-to-door delivery, Dealerhop.com proceeds to match the applicant with a fulfilment partner that is best suited to serve that customer. It is not guaranteed that you will get matched with a fulfillment partner.


Dealerhop is not a lender. Once you complete our form, we will match you with a fulfillment location and auto finance lender to discuss your vehicle and financing options with you. Financing is almost guaranteed through our in-house financing partners, however, the amount of loan and options are conditional OAC. Financing is OAC and subject to approval from 3rd party lenders or dealers. Payment terms and interest rates can vary greatly by the lender. Any approval will come with conditions from the lender. Please read and fully understand all terms and conditions prior to financing a car. The provinces we service may change without notice.

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