Lease-to-Own Cars in Nanaimo for Any Credit
A bank's no doesn't have to mean no car. Azure Auto Gallery in Nanaimo runs its own lease-to-own program, sometimes called buy here, pay here, so approval is decided in-house based on income and what fits each month. Bankruptcy, a consumer proposal, collections or no credit at all doesn't automatically rule anyone out.
How Does Lease-to-Own Work?
A down payment, then fixed monthly payments for an agreed term. At the end, the vehicle is owned outright. Azure Auto Gallery is the lender, so no outside bank decides the approval.
Who Is Lease-to-Own For?
- People rebuilding after bankruptcy or a consumer proposal
- People with collections or missed payments on their credit file
- Newcomers to Canada with no credit history (see our page for newcomers)
- Self-employed people whose income is hard to prove to a bank
What Do I Need to Apply?
- Photo ID
- Recent pay stubs, or bank statements if self-employed
- Proof of address
- Trade-in details, if there is one
How Much Will My Payment Be?
Start with a monthly amount that's comfortable, then choose from every vehicle on the lot that fits it. Try our Installment Calculator.
Is Lease-to-Own More Expensive Than a Bank Loan?
Usually, yes, over the full term. It's the cost of an approval when a bank says no. Anyone approved by their bank at a good rate should consider that option; the vehicle price at Azure Auto Gallery stays the same. Before signing, a cost-of-borrowing statement is provided, as BC law requires.
