Dream Team Auto Financing

Dream Team Auto Financing Disclaimer

I hereby authorize Dream Team Auto Financing and any of its agents, representatives and/or partners to collect, use and disclose any of my personal information for the purposes of investigating and providing financial services. I acknowledge that my personal information may/will be: collected, used and disclosed for the following purposes:

(1) To collect credit and related financial information for me, from credit agencies, and from any parties as required, as well as the verification of my employment as stated.

(2) To use the information collected to determine my financial situation, to provide financial services I have requested and to offer products and services of Dream Team Auto Financing and any of its agents, representatives and/or partners that may be of benefit to me.

(3) To share the information with assignees, bankers or funding partners of Dream Team Auto Financing

(4) To share the information collected and any information on my financial dealings with Dream Team Auto Financing with credit agencies or other financial institutions.

Further, I specifically acknowledge that Dream Team Auto Financing may assign this agreement and any related agreements in whole or in part from time to time and I agree that any personal information collected in relation to this agreement may be made available to any such purposed assignee.

* You have the right to opt out of any future solicitations and or emails.


No Administration Fee

There is no administration fee charged for processing your loan application.

Acceptance Fee

Successful applicants will be charged an acceptance fee based on the loan amount.

Annual Percentage Rate (APR)

Default Annual Percentage Rate(APR) would be 1.9%, however APR may vary based on the Borrower &/or the Surety(ies) credit records.

Late Payment Fee

A late payment penalty fee of minimum $300.00* shall be applicable for each late payment.

*late penalty fee varies on loan amount

Late Payment Interest

Late Payment Interest shall be at the rate of 120% per annum plus the interest rate applicable to your loan

Important Disclosures and Requirements

APR is the Annual Percentage Rate. Rates quoted are offered depending on the individual’s excellent and substantial credit and key loan characteristics, including but not limited to amount, term, vehicle characteristics, and selecting the Automated Payment Option in the Billing Choice section of your loan application. A representative example of payment terms are as follows: a loan amount of $20,000 with an APR of 7.50% and a term of 60 months, would have a monthly payment of $400.76 with no down-payment required. Advertised rates are subject to change without notice.

Dealer Eligibility Requirements

Capital One Auto Finance only provides financing for new and used vehicles purchased from select franchised dealers listed on our Dealer Locator. We do not offer financing for vehicles purchased from independent used car dealers, auto brokers or private party sellers.

Vehicle Type Restrictions

Capital One Auto Finance only finances new and used cars, light trucks, minivans and SUVs that will be used for personal use. We do not finance Oldsmobile, Daewoo, Saab, Suzuki or Isuzu vehicles. We do not offer financing for commercial vehicles, motorcycles or recreational vehicles. Other ineligible vehicles include: ATVs, amphibious vehicles, armored vehicles, boats, branded/junk/rebodied/salvaged title vehicles, camper vans, conversion vans, dump trucks, freight liners, gray market vehicles, kit cars, rebodied, lemon vehicles, limousines, motor homes, taxis, tow trucks, tractor trailers, vehicles that do not have a Vehicle Identification Number (VIN) or title issued to it, vehicles with greater than 1 ton payload capacity.

Loan Amount Restrictions

Minimum loan amount is $7,500. You may apply for a loan amount of up to $40,000 for new vehicles, $30,000 for used vehicles and $30,000 for refinance loans. Your actual loan amount will be limited based on the value of the specific vehicle that you are purchasing or refinancing. For new vehicles, value is based on invoice price. For used vehicles, value is based on Kelley Blue Book wholesale value or NADA trade-in value (depending on your state of residence). The amount of this limitation may vary and will be specified in your loan package as the "LTV" (loan-to-value) limit. For example, if the value of the vehicle that you are buying is $20,000 and your LTV limit is 110%, then your loan amount will be limited to $20,000 x 110% = $22,000.

* You have the right to opt out of any future solicitations and or emails.

Speech Bubble

I am a single mother finally beginning my career. Dream Team Auto Financing explained everything and truly helped me to find a vehicle that I like but still can afford. I am beyond thankful for your help and for being my voice.

Jordan B.,
Regina, SK

Speech Bubble

The Dream Team Auto Financing group was amazing. For myself, I didn't feel violated as the car buying process often is. Dream Team took care of the little details and made me feel like they truly cared at all times.

Sheryl A.,
Nanaimo, BC

Speech Bubble

I recently have had bad credit and for forever I've wanted a vehicle. Didn't think I would ever be able to get a truck but I found Dream Team Auto Financing and they did everything possible to get me a very reliable one. I will always be thankful for this team's hard work and dedication!

Mike R.,
Red Deer, AB

Speech Bubble

Not only did I enjoy my long-overdue car purchase with the outstanding service I got from Dream Team Auto Financing, but I am now driving a safe and clean car that I have no worries transporting my children in! Thanks again.

Taylor B.,
Burnaby, BC

100% Secure
100% Approval
100% Satisfaction
Car Company Logos

Pick Any Vehicle You Want

Bank Logos

Meet Our Funding Partners


Need more information?

What to Consider
Why Choose Us?
Contact Us