No hard credit pull from us
Our intake is a soft check. A hard inquiry only happens at the dealership, with your written consent, on a specific vehicle.
How it works
Three steps.
Zero pressure.
Lane is designed around the moment everyone else makes you anxious, the credit application. We make it calm, plain-language, and yours.
- 60 sec
- to pre-qualify
- 0
- hard credit pulls
- 3–7 days
- median to keys
- $0
- you ever pay Lane
- 01
Tell us about you
60 seconds. No hard credit pull from this form. Just the basics, who you are, where you are, what you want.
- Soft check only
- Mobile-friendly
- Encrypted submission
- 02
We plan with you
The Coach (or a real human) walks you through what fits, payment, insurance, fuel, the whole picture. No surprises later.
- True monthly cost
- Plain English
- Anytime via Coach
- 03
You drive when it's right
We introduce you to a Canadian dealership only when you're ready. They handle the keys. You pay nothing to Lane, ever.
- Vetted dealer partners
- Approval-first match
- Zero fees to you
What we promise
The boring stuff we'll never make weird.
The real number, every time
We quote you a payment that includes insurance, fuel, and maintenance ranges so you can plan around the full cost.
A real human, not a queue
Every form is read by someone on the Lane team within hours. Reply when you're ready, no chase emails.
When you're ready
Let's plan the
right car.
Lane gets paid by the dealership when a deal closes, never by you. Free, always.