Option 01No credit check
$0 Down — Drive Today
No credit check. Approved in seconds.
- Zero cash down on approved work
- Approval based on your vehicle's value, not your score
- Monthly or bi-weekly payments up to 3 years
- Drive out the same day
Kelowna · BC|MON–SAT 9AM–6PM
778-999-8473/ FinancingPowered by Driver Capital
Fix now.
Pay monthly.
New tires, wheels or a full install shouldn't have to wait for payday. Formula 19 is an authorised Driver Capital Service Centre — find out what you qualify for in seconds, with no credit check and no impact on your score, then pay it down monthly or bi-weekly.
$10,000
Max loan
0
Credit checks required
3 yrs
Payment terms
Seconds
To an answer
/ Your options
Two ways in.
Three programs.
Finding out your Max Loan amount never touches your credit. Once you know the number, you pick the program — keep credit out of it entirely, or opt into a check to chase a lower rate.
Path A — No credit check
Approved on the value of your vehicle. Your score is never pulled and never affected.
Path B — Credit check
You choose to have credit pulled in exchange for a rate tied to your score.
Option 02No credit check
Don't Pay for 90 Days
No credit check. First payment in three months.
- Every benefit of the no-credit-check program
- No payments due for the first 90 days
- Instant approval, work starts now
- Useful when the repair wasn't in this month's budget
Option 03Credit check
Your Credit, Your Rate
Opt into a credit check and unlock your best rate.
- Rates starting as low as 9.9% OAC
- Rate reflects your credit profile
- Same fast approval process
- Best fit if you have fair to excellent credit
Loans from $500 to $10,000 · Terms up to 3 years · Monthly or bi-weekly payments · Pay off early with no penalty · Rates from 9.9% OAC on the credit-check program
/ Step 01
Check your
eligibility.
Five quick questions. Nothing is submitted and nothing is stored — this is just so you know where you stand before you spend a minute on the calculator.
Auto
The vehicle meets minimum appraisal standards
Driver Capital works this out from your vehicle details in the calculator below — it takes seconds and costs nothing.
0/5
Requirements confirmed
Tick everything that applies to you. Not sure about one? Call the shop and we'll walk you through it.
/ How it works
Three steps.
One visit.
Most customers go from “what can I afford?” to fitted and rolling inside a single appointment.
01 / 03
Calculate your max loan
Enter a few basic vehicle details. Driver Capital works out what your vehicle supports and emails you a Max Loan guarantee code — no credit check, no obligation, no impact on your score.
02 / 03
Book the work with us
Send us your approved amount and guarantee code. We confirm what it covers, order your tires or wheels, and set an install date. Paperwork and the Shepherd Protect GPS unit are handled here in the shop.
03 / 03
Drive out, pay it down
You leave on your new setup the same day. Driver Capital sends SMS reminders and you manage payments in the MyDC portal — pay it off early any time, no penalty.
/ Step 03
Got your number?
Let's book it.
Send us your approved amount and we'll come back with exactly what it covers on your vehicle — sizes, brands, install slot, the lot. If you have your Max Loan guarantee code from Driver Capital, include it and we can load the deal before you arrive.
Financing is provided by Driver Capital Ltd. Formula 19 Tires is an authorised Service Centre, not the lender. All loans are subject to Driver Capital's terms, conditions and vehicle requirements.
/ Financing FAQ
Before youapply.
Still unsure whether financing fits your situation? Call the shop — we set these up every week and can tell you in two minutes.
Up to $10,000, based on the value of your vehicle and the work being done. The minimum loan is $500, and you never have to use the full amount you qualify for.
Checking your Max Loan amount involves no credit check and no impact on your score. A credit check only happens if you choose the 'Your Credit, Your Rate' program to try for a lower rate.
Not a problem. The no-credit-check programs approve on vehicle value alone, so your score never enters the picture.
Seconds. There is no waiting on an underwriter — enter your vehicle details in the calculator and your Max Loan guarantee is emailed to you right away.
Tires, wheels, TPMS, installation, balancing, alignment-related parts and the labour and taxes that go with them. Parts fitted to your vehicle are eligible; some limitations apply.
Yes, any time, with no penalty. Lump-sum payments and payment scheduling are handled in Driver Capital's MyDC borrower portal.
Driver Capital Ltd. Formula 19 is an authorised Service Centre — we do the work and handle the paperwork in store, and Driver Capital handles the lending, payments and support.
A GPS unit Driver Capital fits to the vehicle as part of setting up the loan. We install it here during your appointment; it takes a few minutes.