How do I apply?

Click the icon “Apply Today” to get started and fill out application to the best of your ability. Once you click submit, a finance specialist will contact you shortly.


How Long does it take?

The application takes 2 minutes to complete. Depending on the time of day, we can get you approved within an hour of receiving your application. We promise to get back to you within 24 hours.


Does it cost anything? It costs you nothing. In fact, we will help you save money on your purchase.


Do I need to provide personal information? To verify your identity, we do require some personal information. We only ask what is necessary to get you approved! All information provided is strictly confidential.


How much financing can I qualify for? This Depends on your financial situation, we can allow financing up to $50,000 CAD. The key is that we find the right payment and the right vehicle for you.


Why choose Splash Auto Finance by Rifco? Over 40,000 people have us because we auto finance specialists who have hundreds of dealerships in partnership with us.  Our only business is auto financing.  This specialization allows Splash to be more responsive.  Not only do we offer competitive rates, but also friendly, prompt service from professionals who know credit.  No matter what your credit situation may be, we can help!


What are the minimum requirements? You must have a driver’s license, be a permanent resident of Canada and earn at least $2,200/month BEFORE taxes.


Do you check my credit? To qualify you for the best rate possible, we do need a check


Do I need to have a cash down payment?

$0 down approvals are available and are very common. Cash down helps lower the amount required to finance the vehicle which does help you. We can also help you save a down payment in our Get On Track Program. (inquire here)


What if I have bad credit? We understand that this can happen. We specialize in helping people with bruised or damaged credit. This includes but is not restricted to individuals in bankruptcy, going through divorce or with prior repossessions. Our finance specialists are trained to help.


What is the interest rate? We need to evaluate your application before we can quote an interest rate. There are many factors evaluated including the type of vehicle you intend to purchase.


Do you take trade-ins? Yes, we work with the dealership in helping you on the trade in. Trade-ins can help lower the amount you need to finance which lowers your monthly payment.


What if I’ve been declined for a car loan in the past? If you are new to Splash, we likely have a solution for you regardless of what you’ve been told elsewhere. If you have already applied with Splash and have been turned down, we do have options for future solutions.