Frequently Asked Questions

Frequently Asked Questions


At PicknDrive, you can buy, sell, or finance your car completely online. We have eliminated the harsh experiences of the past and made buying a car easy and fun! Once you purchase your car online, delivery will be scheduled at one of our pick-up locations. After delivery, you have a 10 day Full Money-Back Guarantee period. If you change your mind during those 10 days, we’ll pick the car up for free.

You can trust that we have your best interests in mind. If you value convenience and guaranteed quality through our 10-day Money Back Guarantee, we think you will prefer us to traditional dealerships or buying privately.

We source our vehicles in a variety of ways: auctions, trade-ins, partnered manufacturers and customers who sell their vehicles to us. Those vehicles are rigorously inspected to ensure they meet our high standard

Each of our cars passes a detailed 120-point inspection process. Our cars have clean titles and no reported fire, frame, or flood damage. We stand behind our quality by offering a complimentary 90-day/6,000km Limited Warranty on every single car that is purchased through our online checkout.


We work with many of Canada’s largest financial institutions to help every customer obtain the best financing rate possible for their vehicle. The factors that go into approval are Credit History, Down Payment, Application Information, and Vehicle Selection. Since your loan would be with a financial institution and not Pick n Drive directly, we cannot guarantee approval, but we always do our best to ensure customer satisfaction. 

The minimum amount a bank can finance is as low as $7,500. If the amount is below this, banks are not able to finance a contract. However, after the vehicle is financed, you can put money down on the loan.

If you have a trade-in, we will give you a trade-in value for your current vehicle. Your trade-in value is then applied to the purchase price of your new vehicle, prior to tax, so you also save the trade-in amount/value in tax as well. If you still owe money on the loan for your current vehicle, we can apply the negative equity amount to the new loan and refinance whatever amount is left.

Yes, but slightly. Each time you submit a credit application, it will slightly affect your credit score by a few points for a short period of time.

If you are new to Canada and do not have established credit, you may qualify for one of the special programs our lenders have made for people in this situation. You must have a working permit or have been given permanent residency in order to qualify for these types of loans. Unfortunately, students do not qualify for these loans. There are also requirements for these types of loans, such as proof of income and employment, copy of permanent residency card or working permit, a 10%-25% cash down payment for the full price of the vehicle after all taxes and fees, etc.

When we bring the vehicle and contract out to your home, the following items are required:

  • Void cheque or direct deposit form for the bank account you want your payments to come out from
  • Copy of your new insurance faxed or emailed to us with the loan holder indicated on it
  • A valid driver’s license

If your personal banking and auto loan are with different banks, you can call the bank the loan is with and have them transfer money over the phone. The bank is also able to provide the payout amount and any other details you may require over the phone. If your personal banking is through the same bank as the auto loan, you will be able to view the loan through your online banking portal and pay it down online.

Credit approvals usually come back with a decision within 24 hours. However, this sometimes varies based on credit history and score. If a customer does not have excellent or good credit, approvals can sometimes take a few days to a week for a final decision and the lender may ask for additional information i.e. proof of income/employment, a qualified co-signer, cash down payment, etc.

If you are bringing over debt from a previous car loan onto your new loan, it will be rolled into the total amount financed and added to your payments. When your new loan is paid off, it will also pay off your previous loan amount. When you bring over previous debt, we as the dealer will pay off the total amount of your previous car loan. You will not have anymore payments withdrawn from that loan. The remaining balance is added to your new loan.

Selling or Trading

Yes we do! You’re able to get an estimated value for your trade-in at this link. Estimates are not always accurate. We’ll provide you with your final trade-in value during an in-person appointment.

Our vehicle estimator tool is there to give you an estimate for the value of your car. Every car is a bit different and physical condition can play a big role in your car’s final value. Because of this, if you’re interested in firming up your estimate, we’re able to provide a final valuation after an in-person appointment. Keep in mind your final value could go up, down, or stay the same as your initial estimate!

We include Carfax reports, safety certification, and reconditioning on all of the vehicles we sell, so those costs will be built into the quote we offer. Also, we generally sell newer cars that have no damages and low mileage; we will have to wholesale older, high-mileage vehicles, which tends to fetch a much lower price.


You can view our warranties here to decide which one is best for you!

In the event of a vehicle write-off or theft, GAP (Guaranteed Auto Protection) insurance will cover the difference between the amount from your insurance company payout and the remaining amount you owe on your vehicle loan, including any deficit brought over from a previous loan.


We don’t negotiate on pricing; our vehicles are priced as competitively as possible and we don’t add on any fees that are not shown in the price breakdown on our website.

Yes. You will need to have proof of insurance for your new car at the time of your delivery or pickup. You can have the date of the policy to take effect the date of your appointment. You can either print off the proof of insurance, show it to us on your smartphone, or email it to us in advance. If your new car is not insured, we will not be able to complete the delivery.

Yes! All of our cars come with a 10-day Money Back Guarantee. If you decide you don’t like the car during those first 10 days, just give us a call to set up a return or exchange. You will be refunded the price you paid for the vehicle, excluding the shipping/delivery fee (if applicable).

To return or exchange your vehicle, you must let us know prior to 5 p.m. EST on the 10th calendar day after receiving your vehicle. We cannot accept a return if the car has been modified, in an accident or damaged, altered from the condition it was delivered in or had a lien or other encumbrance put on the vehicle (other than financing arranged through us.) Additionally, if you drive the vehicle over 750km, for every additional kilometer you will be charged a fee of $1.00 per km. If you choose to exchange, you can receive up to three vehicles. However, the third vehicle will NOT come with our 10-Day Money Back Guarantee. Day 1 of your 10-Day Money Back Guarantee begins when you accept the vehicle at delivery, regardless of time of day.


After you purchase a car, our Advisor team will work with you to coordinate delivery. Likewise, if you’re financing your new vehicle, a Credit Manager will contact you to ensure you’re getting the best rate possible and to lock down your payments. A member of our Concierge team will reach out a couple hours prior to your scheduled delivery to confirm the details. At delivery, your Concierge will bring all necessary paperwork to be signed which starts your 10 Day Money Back Guarantee!

Yes! All parties involved in the purchase will need to be present at the time of the delivery or pickup.

This varies based on province/territory.


Yes we do! We work with many companies to provide you with the best coverage for the best price. You can view our protection plans here.

Warranty prices vary based on the selected vehicle, the desired coverage, and the length of the warranty.


Yes, we have designed a process that allows transactions to be done completely online. Once you choose a car, we will be in touch with the next steps.

As of now, all currently scheduled deliveries are on schedule. Depending on government measures, some deliveries may be impacted. We’ll reach out to those customers on a case-by-case basis.

Any paperwork that requires your signature will be left in your freshly disinfected vehicle. No need to shake hands or interact with anyone in person. Social distancing at its finest!

The health of our community at large is the highest priority during this time of uncertainty. All of our employees that are able are currently serving our customers from home, and those in the field are taking extra precautions based on the guidance of Health Canada. We have supplemented our existing processes with further sanitization efforts in all of our facilities and vehicle transportation apparatus, while also implementing social distancing best practices within the workplace and in all customer interactions.

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