Frequently Asked Questions


How long does it take to get a loan approved?

The Finance Manager at Pacific Nations Auto Sales and Finance studies the credit scores and reviews them with a pool of banks to get the loans approved at the quickest. This usually takes less than a day.

Can I apply for a Car Loan with Bad Credit?

YES, at Pacific Nations Auto Sales and Finance, in just a few minutes, you can get pre-approved for a bad credit car loan!

How are Car Loan finance decisions made?

Four important elements are frequently considered by financial institutions:

  • Making a Down Payment
  • Specifications of the vehicle (model, style, age, mileage, and cost)
  • Income, time at present work, and time at residence are all required fields on the application.
  • Credit history


Is it possible to refinance a car loan?

YES, at Pacific Nations Auto Sales and Finance, you can  refinance a car loan. We’d have to obtain a fresh approval with a reduced interest rate for you. A new lender with a new rate would then pay off your existing lien completely. Following that, you’ll be ready to proceed with your new loan. You may be requested to put money down if you rolled in negative equity on your initial loan and your loan is over book value.

How can Pacific Nations Auto Sales and Finance help me if I’ve had credit troubles in the past?

Most credit profiles are accommodated by our financing suppliers. Even if you’ve had troubles in the past, Pacific Nations Auto Sales and Finance can help you acquire the credit you need for your dream car.

How is the Inventory at Pacific Nations Auto Sales and Finance?

Pacific Nations Auto Sales and Finance has a large selection of new and used vehicles from all makes and models. Our financiers will work hard to get you the best rate and approval possible. We can then assist you in finding a vehicle that meets your requirements.

Is it possible to apply for credit online?

Pacific Nations Auto Sales and Finance allows you to apply for car loans online. Fill out one of our simple credit applications. To learn more about our online vehicle loan services, apply today

What does credit score mean?

Your credit score is intended to assist financial organizations in predicting the risk involved with a car, house, credit card, or other major transaction. Its purpose is to predict how (and if) you will pay your bills. At Pacific Nations Auto Sales and Finance, we help get all good and bad credit approved. The better your credit score, the more likely you are to get approved for a loan. Your credit score is affected by four factors:

  • Prior and current payments were made on time.
  • Your credit history is how long you’ve had a credit card.
  • Your debts’ nature and quantity
  • Your public documents


Who are our customers at Pacific Nations Auto Sales and Finance located?

Our customers are primarily from Indigenous communities, First Nations, Canadians and International citizens.

Where is Pacific Nations Auto Sales and Finance located?

Pacific Nations Auto Sales and Finance, located at 1432 Island Hwy # 156, Campbell River, BC V9W8C9. Next to the Superstore.

Why finance a Car Loan with Pacific Nations Auto Sales and Finance ?

Pacific Nations Auto Sales and Finance approves all Credit Scores

Get a Newer, More Reliable Vehicle with Pacific Nations Auto Sales and Finance with an affordable payment plan.