Sometimes things happen in life that affects our credit in a negative way. Every person and every story is unique and we respect that. We have programs for all different credit situations and lenders that are willing to work with ‘High Risk’ or Sub-Prime situation – like bad credit, new credit, bankruptcies, proposals, discharged, divorced, new to canada, young credit, student credit, etc. In some cases we may require a down payment & in other cases we may advise that it would be in your best interest to find a co-signer. Your loan application will be approved.