Get Approved for the Vehicle You Want - Even If Others Have Said No
Tulu Auto Finance works with Canadians who’ve been turned down by banks, are new to Canada, or run their own business. We find the vehicle, secure the financing, and handle the entire process - you just show up to drive.
“We’ve helped people who were told ‘no’ three times before walking through our door.”
Check Your Approval in 2 Minutes
No impact to your credit score · No obligation
Canadians Approved & Driving
In Auto Loans Secured
Average Approval Decision
Years Combined Expertise
Most Lenders See a Credit Score. We See a Person.
Banks and dealership finance desks run your application through a formula. If the numbers don’t fit their box, you get a rejection - sometimes without explanation. Tulu works differently. We look at your full financial picture, advocate on your behalf with a network of lenders, and find a payment structure that actually works for your life.
Two Groups Banks Consistently Fail
We’ve built our entire process around the two borrower profiles that traditional lenders get wrong most often.
Self-Employed
Business owners · Contractors · Freelancers
Banks see inconsistent T4s and say no. We see a business owner with real income - and we know exactly how to document it. NOA, bank statements, business financials: we build the file that gets you approved.
Common scenario we handle:
“My accountant minimizes my income on paper, so my NOA looks low - but I deposit $8,000/mo.”
→ We know how to present this to lenders correctly.
New to Canada
Newcomers · Permanent residents · Work permit holders
No Canadian credit history doesn’t mean no approval. We work with lenders who have dedicated newcomer programs - your employment, income, and international credit history all count.
Common scenario we handle:
“I arrived 6 months ago, have a good job, but the bank says I don’t have enough Canadian credit history.”
→ We have lenders built for exactly this situation.
We also specialize in
Challenged or Rebuilding Credit
Past doesn’t equal future.
Consumer proposals, bankruptcy, missed payments - we have lender relationships built for credit rebuilding. Drive now, rebuild as you go.
The Concierge Client
We find it. We finance it. You drive it.
Don’t want to spend weekends at dealerships? Tell us your budget and must-haves. We source the vehicle from our dealer network, negotiate the price, and arrange the financing.
Don’t Have a Vehicle in Mind? We’ll Find It for You.
Most finance companies just approve loans - you still have to find the car yourself. Tulu is different. Once we understand your budget and needs, our team searches our dealer network across Canada to source the right vehicle, negotiate the price on your behalf, and arrange the financing. You show up to pick up the keys.
How it works
Tell us your budget & must-haves
Budget, body type, features, mileage tolerance - we gather everything.
We search & shortlist
Our team searches our dealer network and presents you with matched options.
We negotiate & arrange financing
We handle the price negotiation and submit your file to the right lenders simultaneously.
You pick up the keys
Everything is arranged. You show up, sign, and drive.
Three Steps to Your Next Vehicle
01
Tell Us Your Situation
Fill out our 2-minute form. No hard credit pull, no commitment. We just need to understand where you’re at.
02
We Source & Finance
Your Tulu advisor finds the right vehicle from our dealer network and submits your file to the lenders most likely to approve you - not all of them, the right ones.
03
You Pick Up the Keys
We handle the deal, the paperwork, and the delivery coordination. You show up, sign, and drive away.
Questions We Hear All the Time
No. Our initial pre-qualification uses a soft pull only, which has zero impact on your credit score. A hard pull only happens later - with your explicit consent - when we submit a formal application to a lender you’ve approved.
Absolutely. We specialize in challenged credit situations - consumer proposals, bankruptcy, collections, missed payments. We have lender relationships specifically built for credit rebuilding. Many of our clients were told ‘no’ multiple times before finding us.
Yes - self-employed borrowers are one of our primary specialties. We work with NOAs, bank statements, and business financials instead of traditional T4s. We know exactly how to present your income to lenders in a way they accept.
Of course. In fact, many of our clients come to us before choosing a vehicle. Once you’re pre-approved, your Tulu advisor will help source the right vehicle from our dealer network based on your budget and preferences.
Banks use rigid formulas. Dealership finance desks work for the dealership, not you. Tulu works exclusively on your behalf - we advocate for you across a network of lenders, negotiate the vehicle price, and handle the entire process end-to-end.
Yes. We work with lenders who have dedicated newcomer programs. Your employment letter, income proof, and international credit history (where applicable) can all be used to build your file. We’ve approved clients within weeks of arriving in Canada.
Ready to Stop Being Turned Down? Start Here.
Takes 2 minutes. No credit impact. No obligation. A Tulu advisor will reach out within a few hours - not days - to discuss your options and next steps.
Prefer to talk first?
Check Your Approval in 2 Minutes
No impact to your credit score · No obligation