2019 Mercedes-Benz GLC-Class GLC300
$24,988$171 bi-weekly OAC
Get pre-approved6.49% APR · 84 months · $0 down · cost of borrowing $6,136
The right car, financed for your situation.
We work with all credit situations.
5.0118+ Google reviews
Google rating5.0★118+ Google reviews, every one a real buyer.
Lenders21+One application reaches every lender that fits.
Free delivery300kmDelivered by our own staff.
Inspection162pointsIndependent, on every vehicle.
On the lot now. Every one inspected.
2020 Toyota Sienna LE
$30,988$212 bi-weekly OAC
Get pre-approved6.49% APR · 84 months · $0 down · cost of borrowing $7,609
2025 Hyundai Sonata Preferred w/ Trend
$27,988$192 bi-weekly OAC
Get pre-approved6.49% APR · 84 months · $0 down · cost of borrowing $6,872
2025 Kia K4 EX
$24,988$171 bi-weekly OAC
Get pre-approved6.49% APR · 84 months · $0 down · cost of borrowing $6,136
2026 Volkswagen Jetta Comfortline
$28,499$195 bi-weekly OAC
Get pre-approved6.49% APR · 84 months · $0 down · cost of borrowing $6,996
and many more…
Not seeing it? We'll find it.
We source through our dealer partner network across Western Canada: 25,000+ vehicles to choose from. Tell us what you want and what works for your budget.
Find my car3 min · no credit impactOAC = on approved credit. Payments are examples at 6.49% APR over 84 months with $0 down, based on each vehicle's advertised price; GST extra. Your rate depends on your credit (4.99%–29.9% APR).
See all inventoryThree steps. Most people are done in a day or two.
01 · APPLY
Tell us about you
Your job, your income and your credit. It takes 3 minutes and has no credit impact.
02 · MATCH
We shop every lender
We submit your file once to every lender in our network of 21+ that fits. Decisions usually take 24–48 hours.
03 · DRIVE
It comes to you
Our own staff deliver it, and all the paperwork is done remotely. Free within 300 km.
Free delivery within 300 km. From Okotoks to Edmonton.
Our own staff deliver it, and all the paperwork is done remotely. Farther than that, we quote the trip.
Free delivery (300 km or less by road)Quoted per trip
AirdrieOur lotFree
Calgary35 kmFree
Cochrane50 kmFree
Okotoks75 kmFree
Red Deer115 kmFree
Lethbridge245 kmFree
Edmonton265 kmFree
Medicine Hat315 kmQuoted
Lloydminster480 kmQuoted
What buyers say after the keys are handed over.
My vehicle was delivered to my door, and when the tint was not done right Luke found a reliable shop near me and took care of everything. Wes found exactly what I was looking for.Read on Google
Simply amazing! Finding an affordable car these days is almost impossible, but Shahdeen and Luke made the entire process so smooth and stress-free. Knowledgeable, honest, and no pressure.Read on Google
If you're looking for a new vehicle or to trade in your old one, Luke is your guy!! Same day we called he had us an approval, and the 1st vehicle he showed us was exactly what we wanted!Read on Google
Luke and Wes are a fantastic team! I purchased a Lincoln Corsair in pristine condition. They got me the best interest rate for my financing and even helped me find the best insurer.Read on Google
Who ever thought you could buy a car online. I was surfing the net looking for a more reliable vehicle when Luke called me with some proposals. Very friendly and straight up.Read on Google
Dealt with Luke and Wes. It was one of the best car buying experiences I have ever encountered. I went back to buy another vehicle from these guys as they are just so easy to deal with.Read on Google
I honestly can't thank Luke enough. From start to finish he was patient, respectful, transparent, and genuinely cared about helping me find the right vehicle instead of just making a sale.Read on Google
A huge thank you to Wes and Luke for making my vehicle purchase such a great experience. This has been the best experience I've had at a dealership. They were patient, kind, and attentive.Read on Google
One application. 21+ lenders.
We submit your file once and shop every lender that fits your profile, from deep-subprime specialists to prime lenders, including major-bank programs we can access through our lender network. See all our lenders
TD
RBC
CIBC
Scotia
National Bank
IA Auto Finance
Spring Financial
Auto Capital Canada
RIFCO
Eden Park
Northlake
Quantifi
Common questions.
Buying a used car in Alberta, financed, delivered.
Yes! Shift Happens Auto Sales specializes in bad credit auto financing. We work with lenders who understand that credit challenges happen - job loss, divorce, medical bills, or past mistakes shouldn't stop you from getting reliable transportation. There's no hard minimum score to apply — your score mostly changes the rate, and we look for a financing option that fits each situation.
Absolutely! First-time buyers are welcome here. Whether you're a newcomer to Canada, a recent graduate, or simply never had credit before, we can help you get approved and start building your credit history. Many of our lenders have programs specifically designed for first-time buyers with no established credit.
Yes, you can get financed after bankruptcy or consumer proposal. We work with lenders who specialize in helping people rebuild after financial hardship. Whether you're currently in a proposal, recently discharged from bankruptcy, or still working through the process, we have options available. A vehicle loan can actually help rebuild your credit faster.
Collections and judgments don't automatically disqualify you. We understand that life happens, and we work with lenders who look at the whole picture - not just your credit report. Many customers with active collections, charge-offs, or past judgments have been approved through our financing programs.
When you finance through us, your payments are reported to the credit bureaus (Equifax and TransUnion). Making your payments on time builds positive payment history, which is the biggest factor in improving your credit score. Many customers see their scores improve by 50-100 points within the first year of on-time payments.
Five factors primarily drive the rate: your credit score tier, the size of your down payment, your debt-to-income ratio, the age and value of the vehicle, and the loan term you choose. A larger down payment is often the fastest lever — it reduces the lender's risk exposure and can move your rate down noticeably. Income stability and the vehicle's loan-to-value ratio are weighted heavily by subprime lenders. We review all five factors when structuring your application to find the most competitive rate available for your profile.
A co-signer is not always required. Many of our customers get approved on their own based on their income and ability to pay. However, having a co-signer with good credit can help you qualify for a larger loan amount or better interest rate. We'll review your application and let you know the best path forward.
Down payment requirements vary based on your credit and the vehicle. Some customers qualify with zero down, while others may need $500-$2,000 or more. A larger down payment can help you get approved, lower your monthly payments, and reduce your interest costs. Trade-ins count toward your down payment too!
Prime-credit buyers (scores 720+) unlock our lowest available rates, the highest approved loan amounts relative to vehicle value, and the widest vehicle selection since high-value units sometimes require stronger credit profiles. They also benefit from our full lender network — including institutional lenders who compete for well-qualified buyers — rather than being limited to the subprime tier. If you have strong credit, you can expect a fast approval and financing terms that compete with most banks.
From the blog.
All articles
Refinancing Math: When It Actually Saves You Money
Refinancing can save real money on a car loan, but only when the math works. See the break-even steps, a worked Alberta example, and three cases where it costs more.
How Lender Pricing Tiers Work: Prime to Deep Subprime
Lenders sort every application into a pricing tier, and the tier sets the rate. See how the four tiers work, what moves a file, and what the same loan costs at each.
Skip-a-Pay Options: The Hidden Interest Cost
Skip-a-pay options sound like a free pass — but they add $95 to $445 in real interest cost depending on your balance and rate. Here's the exact math and when skipping is the right move anyway.
See what you qualify for.
We review every application and call you back. No obligation.