Capital OnTrack

At Capital On Track, we’re here to help you rebuild your credit and get you behind the wheel of the perfect vehicle for your lifestyle. Our process is simple and designed to set you up for long-term success. 

• Stage 1: Meet Your Credit Specialist - Your journey begins with a one-on-one meeting with our dedicated credit specialist. Together, we’ll set personalized financial goals and explore vehicles that fit your budget and needs. Purchasing a vehicle is more than just transportation, it’s a step toward improving your credit.
  
  
• Stage 2: Stay on Track and Save - We’ll structure financing tailored to your situation. By making all scheduled payments on time, you’ll build your credit profile while positioning yourself for the best possible interest rates. Plus, to protect you in your first year, we offer walkaway coverage—giving you added peace of mind. 
  
  
• Stage 3: Re-Evaluate and Upgrade - After 18-24 months of steady payments, our credit specialist will review your progress. If a better option is available, we’ll help you upgrade to a newer vehicle that matches your goals—saving you money and driving home with confidence. 

We believe in offering our clients a personalized buying experience and customized financing solutions for our clients. Our clients have different needs and are in a variety of situations including: 

• First-time buyer
• New to Canada
• Poor credit
• No credit
• Self-employed
• Student And so much more! 

We will personalize your financing solution to your specific needs and find the right financing plan for your situation. We also help you get your credit back on track with our Capital OnTrack Credit Repair Program. We will make sure that your credit score reflects your reality, and then we will take steps to improve it.