Smarter Auto Financing in Canada
Understand your profile.
Finance with confidence.
Know what lenders look for, how your profile compares, and which dealerships are the best fit — all before you apply.
Clarity before commitment
Most people don’t know why they’re approved or declined. We believe you should.
How it works
Follow four simple steps to understand your position.
Knowledge makes better decisions
Frequently Asked Questions
About OLINOV
What is OLINOV?
OLINOV helps you understand your financing profile before you apply for a vehicle. We explain the main things lenders look at, so you know what to expect before walking into a dealership.
Why should I use OLINOV before applying?
Most people apply without knowing how financing really works. If they're approved, they often don't know if they could have received a better offer. If they're declined, they usually don't know why. OLINOV helps you understand your position first, so you can ask better questions and make more confident decision
How is OLINOV different from a dealership?
Dealerships help you buy a car and arrange financing. OLINOV helps you understand your financing position before that process begins. If you choose, we can also recommend a dealership that's a better fit for your financing profile.
Your financing profile
Why isn't my credit score the only thing that matters?
Your credit score is important, but it's not the whole picture. Lenders also look at things like your income, employment, credit history, existing debt, down payment, and previous auto loans.
Will checking my profile affect my credit score?
No. Completing your OLINOV profile does not affect your credit score.
Why can two people with the same credit score get different results?
Because lenders look at much more than a score. Two people with the same score can have different jobs, income, debt, or credit history, which can lead to different financing offers.
Dealerships & Lenders
Why do different dealerships give different financing results?
Not every dealership works with the same lenders. One dealership may have financing options that are a better fit for your situation than another.
Does applying at multiple dealerships improve my chances?
Not always. Applying everywhere doesn't guarantee a better result and can lead to multiple hard credit inquiries. Understanding your financing profile first usually leads to a smarter approach.
Referrals
Why was I referred to a specific dealership?
Recommendations are based on financing compatibility. We refer you to dealerships that regularly work with financing profiles similar to yours and may have financing options that are a better fit.
Do I have to use the dealership I'm referred to?
No. The referral is completely optional. You're always free to choose any dealership you'd like.
General questions
Will OLINOV run my credit?
No. OLINOV does not submit financing applications or perform hard credit inquiries.
How long does the questionnaire take?
Most people finish it in about 3 – 5 minutes.
What happens after I complete my profile?
You'll receive a summary of your financing profile. If you'd like, you can also request a referral to a dealership that may be a better fit for your situation.