Terms of Use
1. Acceptance of Terms
By accessing touroutautocredit.ca, you agree to be bound by these Terms of Use and all applicable laws and regulations in Alberta, Saskatchewan, and Canada. Our practices are fully compliant with PIPA and PIPEDA regulations for your protection.
2. Nature of Service (Lead Generation)
Tourout Auto Credit is a lead generation and referral service. We are not a lender, credit grantor, or financial institution. We do not make credit decisions, issue loans, or guarantee that any specific lender will accept your application. Our role is limited to connecting potential borrowers with third-party service providers.
3. Authorization to Disclose Personal Information
By submitting an application, you provide express written consent for Tourout Auto Credit to share your personal and financial information with our network of third-party lending partners, financial institutions, and automotive dealerships. You acknowledge that these third parties may perform their own credit inquiries and contact you directly via phone, email, or SMS.
4. Accuracy of Information
You certify that all information provided in your credit application is true and complete. Providing false information is a breach of these terms and may result in the immediate cancellation of your application.
5. No Guarantee of Credit Approval
Submission of an application does not guarantee credit approval. Final approval, interest rates, and loan terms are determined solely by our third-party lending partners.
6. Communication & CASL Consent
By providing your contact information, you agree to receive communications from Tourout Auto Credit and its partners regarding your application status. You may withdraw this consent at any time by following the "unsubscribe" instructions in our communications or by contacting us directly.
7. Vehicle Availability & Pricing
All vehicle descriptions and payments listed on this site are for informational purposes. While we strive for accuracy, Tourout Auto Credit is not responsible for typographical errors. Final pricing and availability must be confirmed in person at the providing dealership.
8. Limitation of Liability
Tourout Auto Credit shall not be liable for any damages arising out of your use or inability to use this website, including but not limited to data breaches or system failures beyond our reasonable control.
Privacy Disclaimer & Consent to Credit Check
1. Collection of Information
By submitting this application, you authorize Tourout Auto Credit to collect personal information, including your name, contact details, employment history, income, and Social Insurance Number (optional but recommended for accuracy).
2. Disclosure to Lenders
You understand that Tourout Auto Credit is not a lender. You grant us express consent to share your application data with our network of federally and provincially regulated financial institutions (banks and private lenders) to determine your eligibility for credit.
3. Credit Bureau Authorization
You authorize Tourout Auto Credit and its lending partners to obtain a consumer credit report from credit reporting agencies (such as Equifax or TransUnion). You understand that a "Hard Inquiry" may be recorded on your credit file, which may impact your credit score.
4. Accuracy & Withdrawal
You certify that all information provided is accurate. You may withdraw your consent at any time by contacting us in writing, though doing so will terminate any active credit applications.
Tourout Auto Credit
Got Questions?We've Got Answers.
Will this application affect my credit score?
We initially perform a "Soft Inquiry" to determine your eligibility, which does not impact your credit score. If we move forward with a formal lender submission, a hard inquiry may be required with your final verbal consent.
How long does the approval process take?
Most applicants receive a preliminary update within 2 to 4 business hours. Once a lender is selected, final approval typically happens within 24 hours.
What happens if I have bad credit or no credit?
Don't worry—Tourout Auto Credit specializes in all credit situations, including bankruptcy, new-to-Canada, and first-time buyers. We work with a wide network of lenders to find a plan that fits your budget.
Still have Questions? Let’s Clear Them Up.
Credit applications can be complicated. If you're unsure about the terms, the process, or how your info is used, We're here to walk you through it.