46 Cars Inc
FAQ
Common questions about vehicle availability, safety certification, delivery, and financing.
How does financing work at 46 Cars Inc?
We partner with a network of major Canadian banks and credit unions to offer competitive financing rates. Our process is simple:
- Enquiry: Contact us online, by phone, or via chatbot to request a quote.
- Lender matching: We shop your application to our lender network to find the best rate and terms.
- Conditional approval: You receive a clear offer with rate, term, and monthly payment—no hidden fees.
- Finalize: Paperwork is completed at delivery or pickup.
We require a minimum 20% down payment and offer terms from 24 to 84 months, depending on the vehicle and your credit profile. We work with all credit types—good credit, bad credit, new immigrants, and no credit history. Because we take less margin on financing, our APR is often better than typical online dealers. Browse our inventory and request a quote today.
Do you accept trade-ins?
Yes. To get started, provide the VIN, current mileage, and general condition (any damage, accidents, or mechanical issues). We'll give you an estimated trade-in value. You can drop off your trade-in at our Toronto location, or we can pick it up with the transporter when delivering your new vehicle. The final value is confirmed at drop-off or pickup and applied as a credit toward your purchase. Contact us for a trade-in estimate.
Do your vehicles come with a vehicle history report?
Every vehicle includes a complimentary CARFAX Canada report, so you can review its history before you buy.
Are your vehicles safety certified?
Absolutely. Every vehicle we sell undergoes a mandatory Ontario MTO safety certification. The inspection covers brakes, tires, suspension, steering, lights, electrical systems, and emissions. This is not optional—it's our standard.
Do you offer extended warranties?
Yes, we offer extended warranty plans. Contact us for details and coverage options tailored to your vehicle.
Next step
Need help finding a vehicle?
Send the CAS reference, destination and buyer details so we can respond with useful next steps.
Where are you located and can I pick up a vehicle?
We are based in Toronto, Ontario. 46 Cars Inc operates as an online-first dealership, so some vehicles may be stored at secure partner facilities. Pickup may be available for the exact unit — confirm with our team before making travel plans.
Do you offer delivery across Canada?
Yes. 46 Cars Inc arranges inter-provincial vehicle delivery to buyers across all Canadian provinces and territories. Delivery is quoted in Canadian dollars (CAD), and because we operate entirely within Canada there are no customs duties or cross-border fees. Ask about current delivery promotions.
I live in another province — can I buy from you?
Absolutely. 46 Cars Inc works with out-of-province buyers regularly. You can either pick up the vehicle once the exact location is confirmed, or we can arrange delivery to you. Ask about current delivery promotions — shipping may be available at reduced cost for qualifying destinations.
Can I see the CARFAX or vehicle history report?
If a CARFAX link is available for a listing it will be displayed on the vehicle page. If it is not shown there, contact 46 Cars Inc and our team can forward the report to you. We never fabricate vehicle history information — the CARFAX or verified inventory record is the authoritative source.
Does the vehicle have a clean title or any accidents?
We do not guess about title status or accident history. The CARFAX report or verified inventory record is the source for this information. If a CARFAX link is not shown on the listing page, contact 46 Cars Inc and our team can forward the available vehicle history documents.
Is financing available?
Yes. Financing is available on approved credit (OAC) through multiple lenders. Terms depend on your credit history, down payment amount, and the vehicle. HST applies according to your province of registration. Contact 46 Cars Inc to discuss pre-approval and available rates.
Do you accept trade-ins?
Yes, trade-ins are welcome at 46 Cars Inc. Share your vehicle details — year, make, model, mileage, and condition — and our team can provide an estimate. The trade-in value would be applied toward your purchase.
Are vehicles safety certified and inspected?
46 Cars Inc provides OMVIC-compliant disclosure for every vehicle. A Safety Standards Certificate (SSC) is included where applicable under Ontario regulation. We encourage buyers to arrange a pre-purchase inspection with a mechanic of their choice — we support independent third-party inspections.
What is included in the price? Are HST and licensing extra?
All prices listed by 46 Cars Inc are in Canadian dollars (CAD). HST and licensing fees are not included in the listed price. HST is calculated based on your province of registration — the rate varies by province (for example, 13% in Ontario). A final invoice will confirm the total delivered price including HST, licensing, and any delivery cost.
How do I enquire about a vehicle or get a quote?
Use the enquiry form on the listing page, the chatbot, or the contact page. For the fastest quote, include the vehicle stock number, your postal code, and your province. The 46 Cars Inc team will confirm availability and provide a delivered-price estimate.