Frequently
Asked Questions

Yes! Every one of our vehicles undergoes a thorough and detailed 215-point inspection to ensure they are safe to drive and pristine clean. We stand behind our quality by offering a complimentary 90-day limited warranty free of charge.

CarDoor offers transparent pricing for all our customers. We have no hidden fees - all our prices are no-haggle, and any fees are disclosed upfront. No surprises.

We source only quality vehicles from a variety of suppliers including customers, auctions, trade-ins, partners and manufacturers. All our cars are certified by undergoing a rigorous 215-point inspection to ensure they meet our high-quality standards.

CarDoor offers a seamless, transparent, and hassle-free car-buying experience, all from the comfort of your home – we also accept your trade-in. We have a massive selection of high-quality used cars, we deliver to your door, we provide a complimentary 90-Day warranty and a 7-Day Money-Back Guarantee. All our cars undergo a rigorous 215-point inspection. We also offer financing and extended warranty packages. Cool right!? No-stress, super easy.

By removing the overhead costs that come with the traditional car dealership model, like fancy showrooms and commission-based salespeople, we can pass those savings on to you!

We make financing a breeze! Select ‘Financing’ as your preferred payment method during the “Get Started” process and you'll be guided through all the steps to complete your application. Once you complete your financing application, we’ll send it to potential lenders for approval. We have 10+ lenders ready and able to provide a financing decision at lightning speed. If these potential lenders require more information, our Customer Advocates reach out and ask you to provide it.

To find out your interest rate, you first need to fill out our straight-forward financing application on our website. It only takes a few minutes. Once we submit your application to potential lenders, they will decide what rate you qualify for based on your credit situation. We also provide a loan calculator on our site to assist you to determine payments based on any vehicle you select…and you can always ask to speak to one of our Customer Advocates to assist you or simply engage us through chat.

Interest rates impact your monthly payments because they represent the cost of borrowing. A higher rate increases your payment, while a lower rate reduces it.

Lenders use credit scores to assess risk. A higher credit score can help you secure a lower interest rate, which directly lowers your monthly payment.

Yes! We specialize in helping credit challenged Canadians secure vehicle financing. Our team will guide you through the process and help you rebuild your credit along the way.

Each time you submit a financing application, it will slightly affect your credit score by a few points for a short period of time. Avoid submitting multiple applications to multiple dealers to avoid this issue. With thousands of vehicles to choose from, you need not look any further!

Gross income is your total monthly or yearly income before any taxes are deducted. This amount is higher than your “net pay” or “take-home pay.”

Your SIN is not mandatory, although it can help move your application along faster as it allows the bank to pull your credit history more quickly. If you do not enter your SIN, the bank may come back and ask for it if their initial effort at recovering your credit history was unsuccessful.

Yes. Auto loans are open-ended loans that can be paid off before the end of term without penalty, subject to any terms imposed by your lender.

Interest is calculated on a per payment basis. This means that if you pay the loan off early you will not be charged the remaining interest. If you decide to put extra money down on the loan after you take possession of the car, it will not lower your payment installments. Instead, it will only shorten the length of the term of the loan.

You can change your payment date by contacting your lender at any time.

Your vehicle loan does not need to come through the same bank as your personal bank account. Since all your payments are through pre-authorized debit, you will need to provide a void cheque or a direct deposit form for the account you want your automatic payments to be withdrawn from. Payments cannot come from a credit card account.

Your lender will be able to provide you with the total amount you owe as you pay it down, as well as any other details you may require. To pay down your loan, simply contact your bank and provide them with your loan details. This can be done either online or in person at a nearby branch, depending on your financial institution.

No problem. If you are bringing over debt from a previous car loan, the original loan will be closed and the remainder owing will carry into the new financing contract.

This is common if you have a previous car payment scheduled to come out a few days before taking possession of your new vehicle and loan. No problem! Be prepared for a possible payment to be withdrawn from your previous loan as it can take banks up to 10 business days to clear the previous loan. If a payment is withdrawn, you will be reimbursed by your financial institution via cheque or an electronic transfer.

The minimum amount your lender can lend is $7,500 after taxes. If the amount is below this, lenders cannot finance a contract. Once the vehicle is financed, however, you can immediately put money down on the loan to reduce it to your desired loan amount.

The PPSA fee is imposed by your lender, not CarDoor. It is your lender's registration fee for the financing contract and varies depending on the bank and the term of the loan, usually ranging from $50 to $150.

When filling out a finance application, you will need a valid piece of Canadian ID. If you have a co-applicant, you must fill out the section with a co-applicant. They must also provide a Canadian ID such as a driver’s licence, passport, citizenship card, or permanent resident card. In some cases, we may require additional information such as proof of income or proof of address.

There are certain lenders that offer programs that may qualify you for financing. Conditions are applicable in these cases. If you have low, or no fixed income, we will also suggest applying for financing with a qualified co-applicant.

Lenders usually come back with a decision in minutes, but some can take a few hours. Worst case, your decision arrives from the lenders within 24 hours. However, this can vary from lender to lender. If a customer does not have excellent or good credit, approvals can sometimes take longer, during which time the lender may ask for additional information (e.g. proof of income/employment), a qualified co-applicant, cash down payment, etc. During this period it is best to avoid applying for credit through multiple dealerships to avoid negatively impacting your credit score.

If you have a trade-in, we will give you a trade-in value for your current vehicle. Your trade-in value is then applied to lower the purchase price of your new vehicle, so you only pay tax on this REDUCED amount. If you still owe money on the loan for your current vehicle, we can apply the negative equity amount to the new loan and refinance whatever amount is left.

In some cases, we can finance customers on work permits.

You can pay by cash, or we can arrange financing for you. No problem!

Down payments are usually not required. In some cases, however, lenders may require a down payment to approve financing. If you choose to place a down payment, you may pay as much as you desire.

If you didn’t qualify for financing, we suggest adding a co-applicant! That will help strengthen your profile to increase the probability of approval. Our Customer Advocates can guide you through the process.

Yes, you can finance a car with a co-buyer.

Pre-approvals allow you to determine how much financing you can receive. This allows you to have a better understanding of the price of vehicle you can afford. We are experts at helping our customers get pre-approved and our Customer Advocates will make it super simple for you. Our relationships with all of the major banks also allows us to get multiple quotes to ensure you receive options.

We do our best to respond within 24 hours but sometimes it can take a bit longer.

As soon as we pick up your vehicle, or if you choose to drop it off to us, we pay you on the spot!

If you have a loan on the car that you're selling, CarDoor will pay off the loan and deduct it from the value of our offer.

No! Unlike our competitors, we do not require you to bring your car to us for an inspection. Instead, we send you a simple link to our application that allows you to take and send pictures to help us value your vehicle. Simple! When we have agreed on the deal, we can pick up your car or you can drop it off – either way we will pay you instantly.

No worries! We ask you to take some pictures of your vehicles for us (we tell you exactly how through our simple online application) and we take care of the rest.

1) Driver’s licence
2) Proof of ownership or title for the vehicle
3) Void cheque or direct deposit form (to facilitate payment)
4) Loan payout statement (if your vehicle is financed – we can help with this!)

A loan payout statement shows the current balance of your auto loan. We should be able to secure this for you, but some banks will require you to do it directly with them. Our Customer Advocates will advise you at the time this is required.

Yes, we allow a 500-km variance in mileage with no change to your offer. If you have a larger variance, please let us know and we can advise of any impact to our offer.

Yes!!

No worries!! If a loan payment was withdrawn from your bank account after you already sold your car to us, don’t worry. The amount will be refunded back to you by your lender. If you require assistance from us with this situation, one of our Customer Advocates would be happy to assist.

Yes! The owner (and co-owners) needs to be present at the time of sale. Exceptions are made for cars being sold by an estate or under power of attorney.

No! We will purchase any vehicle, unlike some of our competitors.

We do! When you have identified a vehicle you would like to purchase, press the “Get Started” button and say “yes” when asked if you have a trade-in. The value of your trade will be deducted from the price of your next vehicle. Plus, when you apply the value of your current vehicle towards the next one, you reduce the sales tax that goes with it. How sweet is that?

If you choose to trade in your vehicle, the value of your current vehicle will be deducted from the new one. Not only does that reduce the purchase price of the new vehicle—it reduces the sales tax that goes along with it. Who doesn’t like tax savings!
And of course, if the new car has a lower price than your trade-in, we’ll pay you the difference.
Lastly, if you still owe money on the vehicle you’re trading in, we will transfer the loan to your new vehicle, along with any new financing.

Yes. Accidents may affect your car’s appraisal value, but in most cases, you can still trade it in.

Simply go onto our website www.CarDoor.ca and follow the simple steps outlined. You’ll be amazed at how quick and painless the process is PLUS you get great value for your vehicle.

Yes.
If the amount owed on your car is less than the amount of our offer, we will pay you the difference and clear the lien with your financial institution. If the amount owed is greater than the offer, you would need to provide us with a certified cheque or bank draft for the difference and we will pay off the loan on your behalf. One of our Customer Advocates will be there to help you every step of the way.

At CarDoor, we pride ourselves on providing firm offers online. Simply follow the steps outlined on our website www.CarDoor.ca … we will ask you to take a few pictures for us and we will provide you a firm offer.

Yes! Or you can drop it off to us.

You do not have to pay taxes when selling your vehicle, except for leased vehicles.

You can only sell a car that is registered in your name, or you would need to provide us with a Power of Attorney document.

Yes. If you wish to sell a car owned by a company, we simply require an article of incorporation indicating that you own the company or have signing authority.

Protecting your vehicle from unforeseen issues is always a good idea. Warranties or GAP insurance provide peace of mind. We offer various warranty and insurance packages depending on your specific requirements. We also provide our customers with a complimentary 90-Day Warranty if you do not purchase one of our extended warranties. This ensures you have peace of mind and stress-free ownership from day 1. Visit our website for more information. Our Customer Advocates or chat capability are there to provide as much detail as required.

CarDoor is haggle-free. For that reason, we don't negotiate on pricing. Our goal is to price our vehicles as competitively as possible, with no hidden fees.

Customers must obtain car insurance for their new vehicle before they take possession. Please contact your insurer and provide them with the VIN, year, make, model, and trim of the vehicle you wish to purchase. Please note that your insurance must have an effective date beginning no later than the scheduled day of delivery.

Yes! CarDoor vehicles come with a 7-Day Money-Back Guarantee, which means that if you don't love your car during those first 7 days (or 500 km—whichever comes first), we will take it back or exchange it for you. You will be refunded the price you paid for the vehicle, excluding certain fees. See our CarDoor Return Policy for more details.

To return or exchange your vehicle, you must let us know within 7 days of receiving your vehicle (or before you have driven 500 km—whichever comes first). For full details, please refer to our CarDoor Return Policy.
Note: Third-party fees, such as OMVIC fees, government or licensing fees, shipping/delivery fees, admin fees, and financing fees are non-refundable. It is important you read our CarDoor Return Policy to familiarize yourself with our return policies.

While we do not offer in-person viewings at our facilities, we save you the trip by providing 360-degree photos and detailed reporting that highlights any imperfections on each and every vehicle.
Plus, when we deliver the vehicle to your doorstep (or you come to pick it up), you will be able to physically inspect it and take it for a spin before completing your purchase.
With our 7-Day Money-Back Guarantee you don’t need to worry. If you discover you're not happy with your vehicle at any point during that period, you’ll get your money back—no questions asked.
In rare circumstances we will not provide a 7-Day Money Back Guarantee, but you would always be made aware of this prior to completing the transaction. This situation is rare and only occurs on certain high-priced models, if you have returned a vehicle under our Return Policy before, or other anomalies or special situations.

By providing you with our 7-Day Money Back Guarantee you essentially have a 7-day test drive! So, if you discover you’re not happy with your vehicle at any point during that period, you will get your money back—no questions asked.
In rare circumstances we will not provide a 7-Day Money Back Guarantee, but you would always be made aware of this prior to completing the transaction. This situation is rare and only occurs on certain high-priced models, if you have returned a vehicle under our Return Policy before, or other anomalies or special situations.

Every CarDoor car goes through a rigorous 215-point inspection process, leaving it safe to drive and squeaky clean.
As for minor cosmetic damage, the car is listed exactly the way it will be delivered. We do not offer further modifications.

To ensure they meet our high safety standards, every CarDoor car goes through a rigorous 215-point inspection process. Imperfections are highlighted for you.
Our 215-point Inspection is summarized as follows:
Road Tests: 78 checkpoints
Lights: 10 checkpoints
Tires and Brakes: 24 checkpoints
Steering: 8 checkpoints
Engine: 46 checkpoints
Body: 22 checkpoints
Suspension: 16 checkpoints
Underbody: 11 checkpoints

If your car breaks down, you can take your car to our affiliate partner AutologiQ. Details on how to contact them was provided to you with the “delivery package” at time of delivery. You can also speak with one of our Customer Advocates online at www.CarDoor.ca – we are always available to help you!

Yes, our Extended Warranty plan has a $100 deductible per repair visit plus applicable taxes, on all covered repairs. If the same component fails again, no deductible will be charged for its repair or replacement. But, if you selected the no-deductible option when selecting a warranty, no deductible will apply.

Yes, it can be found on our website at www.CarDoor.ca or within the “delivery package” provided to you at time of delivery to your home.

Yes.

Yes, roadside assistance is included free of charge while your Extended Warranty is in effect.

If your repair is covered under the Extended Warranty and your car must be in the shop for more than 24 hours, you will qualify for a free rental car for the duration of the repair.

During the online vehicle purchase process, you will have the opportunity to select a preferred date and time for delivery. Following the completion of your vehicle purchase, a member of our Customer Advocate team will contact you to finalize a delivery date. You will also receive a link to track the shipment from our facility to your home. Once the car has been delivered, our delivery Customer Advocate will walk you through all the features of your new vehicle, answer any questions you may have, and provide you the original documents associated with your purchase. They even provide you with a small token of our appreciation! Seamless, simple, and seriously exciting.

All parties involved in the purchase must be present at the time of delivery or pick-up.

When we deliver the car to your driveway, your new vehicle will already be registered and plated.

We take pride in every vehicle that we sell to our valued customers. We perform our 215-point inspection, resolve issues uncovered in this process, and ensure your car is shiny and professionally detailed to perfection. It also comes with a full tank of gas. As rare as they are, any significant imperfections would already have been resolved prior to delivery.