Terms & Conditions

By accessing and using this website, you agree to the following terms:

No Guarantee of Approval

Submitting your information does not guarantee financing approval, specific interest rates, vehicle availability, or bonus eligibility. All approvals are subject to lender and dealership verification.

Accuracy of Information

You agree that all information provided is truthful and accurate. Providing false or misleading information may result in denial of services.

Authorization to Share Information

By submitting your request, you authorize First Nation Approval to share your information with participating dealerships, lenders, and financial partners for the purpose of securing vehicle financing and offers.

2. Credit & Verification Authorization

By submitting your application, you expressly and voluntarily authorize First Nation Approval and its participating dealerships, lenders, and financial partners (collectively, the "Authorized Parties") to do the following for the purpose of evaluating your vehicle financing eligibility:

• Obtain, review, and verify your credit profile and credit report from one or more consumer reporting agencies (including Equifax Canada Co. and TransUnion of Canada);
• Verify your employment status, employer, job title, and length of employment;
• Verify your income, including through pay stubs, bank statements, notices of assessment, and direct contact with your employer or government agencies;
• Conduct identity verification and fraud-prevention checks;
• Perform soft credit inquiries (which do not affect your credit score) for pre-qualification and rate-estimation purposes; and
• Perform hard credit inquiries (which may appear on your credit file and temporarily affect your credit score) as required by lender underwriting guidelines to complete your financing application.

This authorization is required to determine financing eligibility and is provided voluntarily. You understand that, where a lender's guidelines require it, the Authorized Parties are permitted by law to obtain both a soft pull (for pre-qualification) and a subsequent hard pull (for formal credit adjudication) on the same file, and you consent to both.

Your consent is given in accordance with, and the Authorized Parties' use of your credit information is limited by, applicable Canadian law, including the Personal Information Protection and Electronic Documents Act (PIPEDA, S.C. 2000, c. 5), the Consumer Reporting Act (British Columbia: RSBC 1996, c. 75), the Consumer Reporting Act (Alberta: RSA 2000, c. C-23), and the corresponding consumer-reporting and privacy legislation of each province and territory where you reside or apply. You have the right to access, correct, or request the source of your credit information and may withdraw this consent in accordance with those statutes.

This authorization remains valid from the time you submit this application until the earlier of (a) the completion and funding of your financing, (b) the expiry or withdrawal of your application, or (c) you withdrawing consent in writing. Permission to pull your credit information extends to lenders participating in this platform pulling a full credit report, and you agree that a copy of this authorization may be relied upon by those lenders as your written consent for that purpose.

For identity and fraud prevention, the Authorized Parties may also verify your personal information against provincial and federal databases, including driver's licence, motor vehicle, and government-issued identification records, to the extent permitted by applicable law.

Nothing in this section limits any other right or authorization available to the Authorized Parties under applicable Canadian federal or provincial law. If any provision is found to be unenforceable, the remainder shall continue in full force and effect.

Electronic Communication Consent

You consent to receive communications via phone, SMS, and email regarding your vehicle request. Message and data rates may apply. You may opt out of SMS at any time by replying STOP.

Fraud Prevention

We reserve the right to verify identity and decline suspicious, incomplete, or fraudulent submissions.

Limitation of Liability

First Nation Approval is not responsible for financing decisions made by third-party lenders or dealerships.

For inquiries, contact:
📧 info@firstnationapproval.ca