Frequently
Asked
Questions
GENERAL
How Does Western Whips Work?
Western Whips provides a smooth, transparent, hassle-free car-buying experience from your home—with a wide range of top-notch used cars, delivered to your door in days.
Are The Vehicle's Certified?
All vehicles undergo a rigorous 180-point inspection and reconditioning along with extended warranty. Vehicles crossing provincial borders will receive an Out of Province Inspection.
Are There Fees?
We charge no fees for our services or consultations. You will most likely see a $100 Reserve, strictly to hold the vehicle and is Fully Refundable.
Where Do The Units Come From?
Our partnered banks have a number of vehicles to select from. Each undergoes a thorough inspection to meet our quality standards.
What's Needed For An Approval?
After the initial phone call, where your Western Agent will get an understanding of your needs and goals. Lenders require a copy of your Drivers License, Proof of Income and Trade Information.
Why Western?
All Western Agents have a clear purpose to serve honestly, fairly and with integrity. We have built a community for individuals that enjoy Whips and Toys to stay educated and purchase securely.
TRADE
How does the vehicle trade-in process work?
Once the inspection is complete, we provide you with a fair and competitive offer. The trade-in value is applied toward the purchase of your next vehicle, reducing the overall cost and simplifying your financing.
How is the value of my trade-in determined?
Trade-in value is based on the make, model, year, and mileage, as well as its overall condition. A clean service and accident history can increase value. Current market data, professional appraisals, and a thorough inspection ensure you receive a competitive and transparent offer.
Can I trade in my vehicle if I still owe money on it?
If you still owe on your vehicle, we’ll obtain the loan payoff amount. Any equity can be applied to your next purchase, but if you owe more than the trade-in value (negative equity), you may need to pay the difference or include it in your new financing. We’ll guide you through the process and help find the best solution.
Do I need to clean or repair my vehicle before trading it in?
Addressing small issues can leave a positive impression during the appraisal process. A thorough cleaning of the interior and exterior. Additionally, removing personal items and bringing all keys, manuals, and accessories will help streamline the process. Being upfront about any known issues is always appreciated, as we inspect every vehicle thoroughly.
What Documents Are Required?
Valid driver's license needed for identity verification and bill of sale. No expired or temporary licenses accepted. Clear proof of registration/insurance required. Payment to unit owner via Interac ETF, up to $10,000 daily. Rare cases may have a day between payments for operations.
Is My Unit Safe?
We employ web-based digital and analog security systems, along with an overnight guard. Our process enables us to handle insurance in case of unfortunate events. No test rides allowed.
Will I Get Approved?
Once you complete your financing application, we’ll send it to potential lenders for approval. If potential lenders require more information, we’ll reach out and ask you to provide it.
How Is My Pre-Approval Determined?
We review your credit score, income, and debts via a soft inquiry to determine how much credit you may qualify for and at what interest rate. A soft inquiry does not affect your credit score.
Can I Use A Co-Applicant?
Yes, simply leave a message when you submit. One of our Agents will reach out to help add your co-applicant. If you haven't found a car you like yet, you can also start the pre-approval process.
What Will My Rate Be?
To find your interest rate, fill out a financing application. Lenders determine the rate you qualify for. Get a pre-approval estimate before selecting a car to find your finance amount.
What Is Required To Get A Loan?
We collaborate with top Canadian financial institutions for the best loan rates. Approval depends on factors like credit history, employment, residency and down payment.
How Does Interest Work On My Auto Loan?
Interest is per payment. Paying off the loan early avoids remaining interest. Extra payment after car possession won't lower instalments, but it shortens the loan term.
FINANCE
SELL
Why Sell With Western?
Our offers align with retail and wholesale values. Fast payment, process done in as little as 48 hours. No test drives, haggling, or negotiations. Guaranteed payment to you and lienholder.
What Documentation Is Required To Sell?
To buy your Whip well need; Driver’s licence, Proof of ownership or title for the vehicle, Void cheque or direct deposit form (to facilitate payment), Loan payout statement (if your vehicle is financed).
How Do I Get Paid?
Payments via EFT. We initiate same-day payment upon vehicle drop-off/pick-up, with EFT confirmation. Funds typically reflect in your account within 3 business days.
When Will I Receive An Appraisal?
After providing car details on our Sell or Trade page, you'll receive an immediate firm offer. In rare cases, a manual appraisal may be needed, taking approximately 24 hours.
What Is A Loan Payout Statement, How Do I Get One?
A loan payout statement reflects your current auto loan balance. For loans with other lenders, please contact their customer service for an emailed loan payout statement request. FIND BANKS HERE
Will you come pick up my car?
Enter your vehicle details on our Sell or Trade page to check eligibility. Alternatively, we can arrange a meeting at one of our drop-off locations. Pick-up availability depends on your location and vehicle.
How Do I Buy Online?
Finance your car easily by selecting 'Apply'. Our Customer Advisors are ready to assist. Call/text 780-660-2666, email info@westernwhips.ca, or start a chat.
Can I Test Drive?
Although we do not off in-person test drives at our facilities, you can inspect and test drive the car when we deliver it to your doorstep before purchasing.
What Does "Reserved" Mean?
Reserved means another customer has placed the vehicle on hold. You can still add it to your favorites or save your search to be notified if it becomes available again.
Can I Buy From A Different Region?
You can purchase a car in one province even if you have a driver’s licence from another province. Importantly, however, your insurance must be valid in the province that you are purchasing the car in.
Can I Use Western Whips Strictly As A Broker?
Most definitely, take a look at Finance A Find. If you are just looking for a pre-approval or to know how much you qualify for CLICK HERE and you will be connected with a Western Agent.
How Do I Find The Perfect Whip?
Once your qualified amount is known, the fun begins. you are now able to shop for the whip that fits your loan. An experienced Western Agent will provide guidance and vehicle knowledge.
BUYING
What Is Gap Insurance?
In case of write-off or theft, GAP Insurance covers the difference between insurance payout and remaining loan amount, including previous deficits.
Can I Build My Own Warranty Plan?
Yes, this is a discussion you can have with your Financial Agent. Custom packages and additions are achievable upon with request (prices may vary).
If My Car Breaks Down In The US, Am I Covered?
Yes, if your car breaks down in the Continental US, take it to a licensed mechanic shop and call your Warranty Provider. They'll assist over the phone. Keep the receipt as proof.
Where Can I Take My Car To Be Repaired?
Almost all licensed mechanic shops in North America perform repairs for warranties. Contact your warranty provider to find the nearest licensed repair facility.
Who Is The Warranty Through?
Western works to connect you with the best Warranty for your purchase. We collaborate with a multitude of Warranty Providers, to ensure customer needs are met.
Is There A list Of Everything That Is Covered?
This is a discussion you can have with your Financial Agent. Custom packages and additions are achievable upon with request (prices may vary).