Frequently Asked Questions

Frequently Asked Questions

 

How long does it take to get approved for a car loan?

 
Most approvals are completed the same day. Our finance team works directly with Canada’s top automotive lenders to secure the best rate and structure for your profile, then confirms your options quickly and clearly. If we need extra documents, we’ll let you know right away so nothing slows you down.
 

Can I get approved if I have bad credit, no credit, or previous credit challenges?

 
Yes. We specialize in helping customers with all credit situations—from excellent credit to first-time buyers and those who are rebuilding. We’ll tailor a finance plan that fits your budget and helps you move forward with confidence.
 

Do you only work with customers who have challenged or subprime credit?

 
No. We proudly support all credit profiles. Our belief is simple: everyone deserves access to reliable, affordable transportation. We offer the same competitive bank rates you’d expect at any major dealership, and we also have the expertise to help customers re-establish their credit when needed.
 

Do you only serve First Nations customers?

 
No. We welcome and serve customers from all backgrounds and communities across British Columbia. While we honour and respect First Nations culture and values, we are a full-service dealership for all Canadians.
 

Which lenders do you work with, and do you have access to major banks like TD, CIBC, and RBC?

 
Yes. As one of the few independent dealerships in B.C. with national-lender access, we regularly work with TD, CIBC, RBC, and other leading automotive lenders. This broad lender network helps us secure highly competitive rates, flexible terms, and approvals tailored to your situation.
 

What makes your financing team different from other dealerships?

 
Experience, relationships, and structure. Our specialists understand lender criteria in detail and know how to present your application for the strongest approval terms. We focus on clear payments, a stable loan structure, and long-term credit health—not just getting a quick “yes.”
 

Why does Pacific Nations have over 1,200 five-star Google reviews?

 
Because we lead with respect, transparency, and follow-through. Customers consistently mention our easy process, helpful communication, and the quality of our vehicles. Those reviews reflect how seriously we take every step—before, during, and after the sale.
 

What is your mechanical inspection and reconditioning process?

 
Every vehicle undergoes a comprehensive, multi-point mechanical inspection and full reconditioning before it’s listed for sale. Items that don’t meet our standards are addressed—no shortcuts. Our goal is to deliver a vehicle you can trust on day one.
 

How competitive are your vehicle prices?

 
We price vehicles to be highly competitive and display independent CarGurus price badges (Fair, Good, or Great Deal) on our website for added transparency. If a vehicle earns a strong badge, you’ll see it—so you can shop with confidence.
 

Can I get my trade-in appraised online before visiting the dealership?

 
Yes. Use our third-party CARFAX online trade appraisal tool to get a quick, convenient estimate from home. Share a few details and photos, and we’ll provide an informed range—then finalize in person after a quick inspection.
 

Do you deliver vehicles to customers outside of Campbell River?

 
Absolutely. We deliver across British Columbia and coordinate everything to make the process smooth and time-efficient. Whether you’re on Vancouver Island or the Mainland, we’ll help arrange a delivery plan that works for you.
 

What are the benefits of being part of the Steve Marshall Auto Group?

 
Being part of the Steve Marshall Auto Group gives us access to thousands of quality vehicles and additional resources. If you don’t see the exact vehicle you want on our site, we can special-order a match from the group’s broader network.
 

Why do customers choose Pacific Nations instead of a traditional franchise dealership?

 
We combine big-network advantages (lenders, inventory access, delivery) with an independent dealership’s care and flexibility. You get transparent pricing, strong approvals, reconditioned vehicles, and a team that treats you like a person—not a number.
 

How does Pacific Nations support the local community?

 
We actively support local causes, youth sports, and community initiatives throughout the year. We also run a weekly $250 grocery gift card giveaway to give back directly to families in our community. You can learn more or enter on our Giveaway Page.
 

Where can I see your vehicles, your team, and your customer experience?

 
You can browse our current inventory on our website and watch hundreds of recent videos on our YouTube channel featuring vehicles, walk-arounds, and behind-the-scenes team content. It’s a great way to get to know who we are and how we serve customers.
 

Have more questions? Contact us or start with our quick pre-approval—we’re here to help.