New-vehicle product expert
Who this is: You know what you want or you want to compare trims, packages, colours, and options on a brand-new build.
Why the match matters: Paired with a product specialist who lives in that brand every day, knows current allocations, and can price a factory order.
EV & hybrid specialist
Who this is: Considering an electric or hybrid, want range and charging answered by someone who owns one.
Why the match matters: Matched with a specialist who handles EV rebates, home charging setup, and battery health on used EVs.
Truck & fleet
Who this is: Work truck, tow rig, upfit, business use, fleet of two or twenty.
Why the match matters: Sent to a truck-heavy store and a specialist who reads spec sheets and business finance docs for a living.
First-time buyer
Who this is: Never had a car loan. No credit, thin credit, just starting out.
Why the match matters: Programmed lender lanes exist for first-time buyers. A patient specialist walks you through it without jargon.
Short-tenure or seasonal work
Who this is: New job, contract, probation, seasonal industry, gap on the resume.
Why the match matters: Packaged for lenders who look at trade, not tenure. Your specialist knows exactly what the file needs.
Self-employed
Who this is: Sole proprietor, incorporated, contractor. Your income shows up on bank statements more than pay stubs.
Why the match matters: Bank-statement files go to a specialist who does bank-statement approvals all day, using lenders that understand write-offs.
Post-bankruptcy, consumer proposal, repo
Who this is: Discharged bankruptcy, active or completed proposal, recent voluntary or involuntary repo.
Why the match matters: This is a specialist file. Go Auto has Yes Plan, an in-house lender that has funded 300,000+ people over 10 years, including files the banks turn down.
New to Canada
Who this is: Work permit, PGWP, LMIA, no PR yet, no Canadian credit file.
Why the match matters: Financing without PR takes a specialist. We route you to one who runs those files every week, without the standard interrogation.
Prime fast-track
Who this is: Great credit, know your budget, want a name and a time.
Why the match matters: You skip the long conversation. CARVIS confirms the vehicle, verifies your phone, and books a callback with a specialist who handles your build.