How do I start with this? I came in to see if they can renew my loan and find a new car. Worked with a Philippe Chaccour in late December 2025 (I believe 22?). Deal fell through because I felt pressured. I started calling in January 2026 to get my original registration which Philippe took and gave me a photocopy. He flagged it as a fraudulent application - clearly to harass me. Gave me a legal department number which does not exist - yes, I called, but the Account Manager said "I don't think we even have a Legal Department". No replies, no one to talk to - Apparently they are all independent Sr. Managers and do not deal with each other. I was able to speak with Philippe and he said that he is not even sure that I left my original registration there. Because apparently, they do not have it anymore. I asked to speak to a manager - did not give his name. He was even more rude and said that I can just go and get a new copy for $10.00. That is not the point. They lost my personal document with all my details and treat is as if it's just scrap paper. When I told them that we can ask for a copy of their CCTV to confirm Philippe had my OR, he said sure. What kind of scam are these guys running? Please, go somewhere else. read more

My dad and I recently purchased a used SUV from Approval Genie. A 2015 Nissan Pathfinder from their Mississauga location near the airport. My sales person was Jas and a true pleasure to deal with. They got my 85 year old dad his more then likely last vehicle on this earth and he is loving it!! Thank you so much for your hard work Jas & team Genie! read more

Approval Genie - Auto Loan Providers Near Me - Mississauga, Ontario

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oH my gosh they did that to me too, but because I don't know anything about how to go about buying a car I got ripped off . They gave a car I'm so not happy with Toyota $40.000 2023 and told me I can trade it in after year. Now I'm reading these reviews I can see that I might have problems trading in . read more

my car stopped working the first day o bought it. anyone i contacted gave me a complete run around email here call here etc.... then nothing else came of it. now 5 months the tranny blew and nobody will help i have a 5000 dollar warranty which is not enough to cover it i pay 600 a month for this vehicle and truly feel it should be taken care of. this is the third ford escape tranny i have replaced within a year!!!!!!!!!!!!! a 2018 then 2019 and now a 2013 ford lincoln you are a poor excuse of a business and car manufaturing should not be fir you. you sell garbage time and time and tine again. approval genie dont take advantage of people and help them when you are selling these vehicles with recalls !!!! lacey purdie read more

If I couldve given a zero I would. Total rip off. I would not suggest anyone getting a vehicle from them. Scam artists with smiles on their faces and a fake willingness to help. DO NOT PURCHASE ANYTHING from them. Rob you blind with a smile, they do not give full disclosure, they intentionally leave out pertinent information and lock you into overpriced vehicles. Wouldnt recommend them to my worse enemy. read more

Avoid Approval Genies!! Do not recommend at all! I had similar experience as that of jennifer. The salesman treated me like m an idiot, who doesn't know how the credit line works. The salesman wanted me to pay $1500 in good faith, so that I can get my loan approved that to without showing me what car I will be getting or telling what will be the cost or how much interest they will charge. There is no transparency in the entire process. The salesman was super rude and was behaving as if I am getting loan on his mercy. read more

Avoid Approval Genie!! DO NOT RECOMMEND!! Worst experience ever. Stupid sales agents taking advantage of Indian people and immigrants with bad credit score. I don't know how dumb someone will be to pay up to 25 % interest rate on a vehicle when there's 3000 more dealerships in the GTA who will approve vehicles for people having a lower credit score. The sales people straight up lie to you about the structure of the loan. Telling you about their one year program of sky high interest rate and they'll take your vehicle in for pennies when you trade in at the end of one year. As an accountant, it's my duty to stop people from making poor financial choices. Most of the people here looking for a vehicle doesn't even speak English. It's pretty obvious they're in financial debt and is trying to buy a vehicle with up to 25% interest to deliver pizza or do uber. Approval genie is well aware of the desperate immigrant people with bad credit scores who are here to get a vehicle. They take advantage of it fully!! As a CPA, I advise you to shop around for a vehicle if you're trying to purchase a decent car with bad credit score. Do not let these stupid sales agents fool you. Don't let these people brainwash you that you have to stick to their terms because your credit score is low. Don't hurt yourself by signing a car loan with approval genie and end up struggling to make the high car payments. Be smart with your financial choices !! Normal car interest rates are 5-6 % with bad credit score and 0.99-2% with good credit score. If anyone tells you otherwise, red flag!!! Stop yourself when you feel like these people are pushing you so hard to purchase a vehicle. If the vehicle is good and at a good market price, there will be many buyers and the sales people would not FORCE the vehicle on you. Think twice when this happens to you. Furthermore, the sales team treats you like idiots when you walk in and keep threatening you that you will miss your chance of getting a vehicle if you don't decide today. Kelly ( saleswoman ) shouted at me and my boyfriend that we can't shop around for other dealerships. It's our right who we want to sign a 5 figure car loan with. Joke of 2017. Also, Kelly the saleswoman continues to treat us like idiots when she asked us if we knew what a line of credit was. FYI, most people do have a line of credit already and you don't ask an accountant if she knows what a line of credit is. They assume the buyers who comes in have no idea of the financial world and how the loan are operated. No surprise, as we left the dealership, there's a buyer who had holes in his clothes and smelled like urine coming in to buy a vehicle. Disgusting. No wonder they treat everyone who comes in as financially retarded. Furthermore, Sid the salesman pressured the customer to make a decision on the spot so he can figure out if we can get the loan. There was no way we would've considered any of the nasty vehicles in their lot for that ridiculous interest rate and the world stupidest "one year program" trap. read more

Never go to Approval Genie! They will scam you. They will tell you buy a new car for an expensive loan the next year. It's a rip off.

BUYERS BEWARE. This place is a SCAM masked as a legitimate business and I will try to explain how (using numbers). BEFORE SIGNING ANYTHING, please take the time to read this and it could save you thousands (I lost a $500 deposit with them but am still relieved because if I had signed the forms I would have lost A LOT more). I went in to get pre-approved to buy a 2017 Toyota Camry. Now when buying a car, there are a few options: a) You go to a bank or a lender and get pre-approved. Now you can go to a dealership and select a car. b) You go to a dealership and select a car first, and then the dealership helps you secure financing. However, this place is neither A nor B. What they do is something strange and bizarre. They try to help you get approved for a loan first (in a painstaking process that can last 4+ hours where they leave the room to "make phone calls" to make it appear like they are doing work). After a few hours, they will come in and congratulate you on being approved. Phew, the hard work is done. Finally, I can go to a dealership and pick out the car that I like, right???? Uhm...no. Basically, and this is genius if you ask me, they approve financing based on the car that you're looking for, and then select a car for you. I didn't know if this was a joke or if he was being serious. I had so many questions: Do I get to test drive the car? Do I have a say in the color? How do I know I'm not overpaying for a car? Why can't I pick a car myself now that my financing is approved? How do I know you'll select the right car for me? It's really difficult to trust a complete stranger to make such an important, intimate decision for you. But let's assume they pick the right car. I would have been cool with it BUT based on the math, YOU WILL BE PAYING DOUBLE WHAT THE CAR IS WORTH (as other reviewers have suggested) I was looking for a 2017 Toyota Camry (white, silver, or black). They guy (Phillippe?) came in and said that he will get me a car that meets those requirements but I won't actually get to see it until it arrives. ONCE YOU SIGN THE DOCUMENT, YOU ARE LEAVING IT UP TO THEM TO SELECT A CAR FOR YOU. I thought this was strange and a big red flag. Now let's get to the numbers (which is where the real fun begins). Let's say a 2017 Toyota Camry LE under 60,000km costs about $16k on the market (always check autotrader, kijiji, blacbook, etc). With tax and profit (they say they profit $1500/car), it should NOT cost more than $20,000. What they approved me for was $177 bi-weekly over 84 months (I have attached the text message of their 'offer' below). THAT MEANS I AM PAYING $32,214 FOR A CAR THAT SHOULD NOT COST MORE THAN $20K. I am paying double the price of the car. This is ludicrous and should be borderline illegal, but they are a sophisticated predatory lending organization and prey on people who simply want to secure financing, regardless of the cost. I did the math on the offers Phillippe was presenting who started getting angry that I wasn't signing the deal (I had already paid a $500 deposit at this point because I fell for the positive Google reviews). They also check your credit report before you come in (which should be illegal) so they know your vulnerabilities. He dragged in his general manager who tried to change my mind, but after six hours of back and forth (from 3pm-9pm), I told them that I'll have to think about it. I've tried getting my money back but they have gone silent. I don't expect to get that money back but I'm glad I didn't make a bigger financial blunder by signing a deal where I would overpay for the next seven years. read more

If u go to the one on Dery rd in Mississauga ask for Peter. Very friendly For the most part my experience was a bit long waiting for pricing and approval in the office. But I have never financed before so I wouldn't know how long it's supposed to take. My rep was nice and helped me find a suitable vehicle in my budget. Pros- willing to negotiate Help you find a vehicle in your budget Helps u understand the basics of financing Car detailing before pick up Will send a driver to pick you up Cons- a bit high for interest rate( but this is based on your current credit score) Some of the negotiations tactics will have you believe that you must take the vehicle right away (but if you are having second thoughts take a moment) Not a lot of inventory at this location to choose from (at least on my budget) All and all I would recommend trying them. read more

Having good credit but too much debt at a high interest rate, I was unable to get a car loan. I met with Hassan Champsi at Approval Genie, and not only got a loan and car with payments that fit my budget, but he also got me a loan at a low interest rate so I could pay down my high interest loan. Hassan was professional, friendly and took the time to get to know me and my situation. All in all, a great experience. read more

Worst type of scammers...stay away from them I went to Approval Genie, and received Very Poor Customer service. I was only inquiring on potential vehicle financing and was told that if I didn't make a commitment that night I was wasting their time. This was an insult to the customer via high pressure sales tactics. They want you to sign all the paper work first without even giving you an opportunity to test drive their vehicle or look into your cost of auto insurance. They don't mention anything about warranty either. I don't know anybody who would commit to such a deal. They use your less than perfect credit history as a means to put you into more debt and won't even tell you your interest rate until after you make a commitment. The dealer told me if I wanted to test drive a vehicle to go to another car dealership. Test drive a vehicle at another dealership but not the car you'd be getting at their dealership. My advice to car seekers with less than perfect credit. Don't go here this place really Sucks. Repair your credit by making your payment on time and save your money. Maybe even pay cash for your next car. On their website, this is what they said about themselves (The Approval Genie has a prestigious history of helping people get approved for automotive loans and car financing in Ontario & Quebec. We offer fast car financing; bad credit auto loans, and used car loans to our Ontario & Quebec customers.) THIS IS NOT TRUE, I DON'T HAVE A PERFECT CREDIT OR AVERAGE AND MY LAST CAR WAS REPO. THESE PEOPLE BASICALLY LAUGHED AT MY FACE FOR NOT HAVING A GOOD CREDIT. I JUST WANTED TO LET PEOPLE KNOW THAT THIS PLACE IS TELLING PEOPLE FALSE INFORMATIONS. THEY BARELLY LOOKED AT MY FILE AND SAID THAT THEY COULDNT HELP ME WHILE ANOTHER FINANCE COMPANY APPROVED MY APPLICATION WITHIN 2 DAYS. I give them a 0 OUT OF 10 These guys are a Joke! read more