Frequently Asked Questions

Paul works with multiple lenders and financial institutions across Ontario, not just one bank or credit union. This means he can shop your application to find the most competitive rate for your specific credit situation and vehicle choice. Unlike going direct to a single lender, Paul leverages Ford Credit plus his network of alternative financing partners to secure better terms. Many Ontario customers save hundreds or thousands over their loan term compared to their bank's initial offer. Apply at thecarguy.ca/apply-for-financing and Paul will show you exactly how much you can save.

The lowest car financing rates in Ontario typically range from 0.99% to 6.99% APR, depending on your credit score, the vehicle's age, and current manufacturer incentives. New vehicles often qualify for promotional rates as low as 0.99–2.99%, while used vehicles usually start around 3.99–6.99%. Your actual rate depends on factors like down payment, loan term, and creditworthiness. Paul can check current manufacturer incentives and work with multiple lenders to secure your best possible rate — apply at thecarguy.ca/apply-for-financing or call for a personalized quote.

Absolutely! Paul specializes in creating custom payment plans that fit your specific budget and down payment amount. He'll work with multiple lenders to find the best rates and terms for your situation, including factoring in HST and any Ontario incentives available. Custom payments can include options like extended terms, seasonal payments, or skip-a-payment features depending on your needs.

Yes! At The Car Guy we work with multiple lenders to find financing solutions for all credit situations — good credit, bad credit, and first-time buyers. Fill out our finance application and Paul will get back to you within 24 hours.

Yes! We have helped many newcomers to Canada get into their first vehicle. We understand the unique challenges around credit history and work with lenders who specialize in new-to-Canada financing programs.

Absolutely. We accept trade-ins on all makes and models. Bring your vehicle in and we will give you a fair market appraisal that can be applied directly to your next purchase.

We are located in London, Ontario and proudly serve customers from across Southwestern Ontario including Brantford, Woodstock, Stratford, St. Thomas, Tillsonburg, Ingersoll, and surrounding areas.

Most car loan approvals in Ontario take anywhere from 15 minutes to 2 business days, depending on your credit situation and the lender. If you have good credit and all your documents ready (pay stubs, ID, proof of residence), many dealerships can get you approved the same day. For those with credit challenges, it might take an extra day or two as we work with specialized lenders. Paul and the team have relationships with multiple lenders and can often expedite the process — visit thecarguy.ca or stop by the dealership to get your financing sorted quickly.

Yes, we offer a range of extended warranty and protection packages to give you peace of mind long after you drive off the lot. Ask Paul about the options available for your specific vehicle.

Bi-weekly payments are calculated based on the vehicle price, your down payment, the loan term (typically 24 to 96 months), and the interest rate offered by your lender. Use our finance calculator on any vehicle page to get an estimate.

Yes. Every pre-owned vehicle goes through a multi-point inspection before being listed for sale. We want you to drive away with complete confidence in your purchase.

Ford Certified Pre-Owned vehicles have passed a rigorous inspection, come with an extended warranty, and meet strict age and mileage requirements. They offer added peace of mind compared to a standard used vehicle.

That's quite a specific trunk height you're looking for! Most standard sedans and SUVs have trunk openings around 24–30 inches, but some larger SUVs and trucks can accommodate taller cargo. Paul can check the exact trunk dimensions on our current inventory and help you find a vehicle that meets your specific cargo needs. Give Paul a call or visit thecarguy.ca to discuss what you're planning to transport — he'll know which Ford models will work best for your situation.

Yes! Several Ford models available here in Ontario offer available massaging seats, including the F-150, Explorer, and Edge. These massage functions are typically found in higher trim levels and can help reduce driver fatigue on long trips across Canada. The feature uses air bladders built into the seat to provide different massage patterns and intensity levels. Paul can show you which Ford models have this comfort feature available and help you find the right trim level for your needs.

Simply click the "I'm Interested" button on any vehicle listing, or give Paul a call directly. We make it easy to book a test drive at a time that works for you.

You will need a valid Ontario driver's license, proof of insurance, and if financing, proof of income (recent pay stub or bank statement). We will walk you through everything step by step.