Frequently Asked Questions
We’re here to help you on your journey. Let’s cross that bridge together.
For Buyers
Car Financing FAQs
For Sellers
Car Appraisal & Selling FAQs
Why Choose Us?
At Smith Bridge Auto Financing, we believe in second chances and simple solutions. We help clients with bad credit, no credit, self-employment, and cash income get approved—fast!
How long does the process take?
Our streamlined process means you can get approved in as little as 24 hours. Once approved, you can be driving your new car the very next day!.
What if I have no credit or bad credit?
We offer flexible financing options designed to work with your budget and financial situation. Whether you’re rebuilding your credit or starting fresh, we’re here to help.
Do I need a down payment to get a car loan?
A down payment can help lower your monthly payments, but it’s not required. We offer zero down payment options depending on your financial situation.
Can I get financing if I’ve had a previous bankruptcy or consumer proposal?
Yes! We specialize in helping customers rebuild after financial challenges. Bankruptcy or a consumer proposal doesn’t mean you can’t get approved.
What documents do I need to apply for a car loan?
To apply, you’ll typically need:
-Valid ID (Driver’s license or government-issued ID)
-Proof of Income (Paystubs, bank statements, or invoices if self-employed)
-Proof of Residence (Utility bill or lease agreement)
Insurance Information
Our team will guide you every step of the way to ensure you have everything you need for a smooth approval process.
I'm new to this process, what if I don't understand?
Honesty is at the heart of everything we do. We’ll walk you through every step of the process, ensuring you understand your options and feel confident in your decisions.
How do I get my car appraised?
It’s easy! Simply book an appraisal online, visit us in person, or send us photos and details about your vehicle. We’ll give you a fast and fair offer based on market value.
How long does the appraisal process take?
A standard in-person appraisal takes about 30 minutes. If submitting online, we’ll provide an offer within 24 hours.
What factors affect my car’s appraisal value?
We evaluate:
✔️ Make, model, and year of your vehicle
✔️ Mileage and condition (interior and exterior)
✔️ Service history and accident reports
✔️ Current market demand
Do I need to commit to selling my car after the appraisal?
No! Our appraisals are free with no obligation to sell. You can take your time deciding.
Can I trade in my vehicle instead of selling it?
Yes! We accept trade-ins and apply the value toward your next car purchase.
What documents do I need to sell my car?
To sell your car, you’ll need:
-Valid ID (Driver’s license or government-issued ID)
-Vehicle Ownership (Title or registration)
-Loan/Lien Information (If applicable)
-Keys and any extra accessories
We handle the paperwork to make the process hassle-free!
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Smith Bridge Auto Financing. All Rights Reserved.
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Contact
LOCATION:
Greater Toronto and surrounding Areas, Ontario Canada
