Question 1

Can I get approved with bad credit?

Accepted Answer

VC Flex can review applications from customers with different credit profiles. Financing is subject to approval, and available terms depend on credit profile, vehicle, lender, and deal structure.

Question 2

Can I finance after bankruptcy or a consumer proposal?

Accepted Answer

Bankruptcy or consumer proposal applications may be reviewed. Program availability varies and approval is not guaranteed.

Question 3

Can self-employed customers apply?

Accepted Answer

Self-employed customers may apply with supporting income documentation. Additional documents may be requested by the lender.

Question 4

What documents do I need to apply?

Accepted Answer

Common documents include identification, proof of income, proof of address, and trade-in or lien information when applicable. Additional lender-requested documents may be required

Question 5

Do you finance motorcycles?

Accepted Answer

Motorcycle financing may be reviewed when eligible motorcycle inventory or programs are available, subject to approval.

Question 6

Do you finance ATVs or RVs?

Accepted Answer

ATV, powersports, or RV financing may be available on eligible units, subject to approval.

Question 7

Do you accept trade-ins?

Accepted Answer

Trade-ins may be reviewed as part of the purchase or financing process. Vehicle condition, payoff, and market value can affect the appraisal.

Question 8

Do you work with rebuilt-title vehicles?

Accepted Answer

Rebuilt-title acceptance depends on vehicle details, lender rules, insurance requirements, and deal structure. Contact the dealership before applying for a rebuilt-title vehicle.

Question 9

Is there payment deferment?

Accepted Answer

Payment deferment options may be available on select approvals and programs. Availability and terms are subject to lender approval.

Question 10

How far does the dealer deliver?

Accepted Answer

Contact the dealership to confirm delivery or pickup options for your location.

Question 11

Is applying online secure?

Accepted Answer

Online applications should be submitted through the secure application flow. Do not send sensitive credit information through normal email or unsecured messages.

About VC Flex

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