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The solution for all

Vehicle Related Financing


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The smart solution to financing


ShopEpay is a Canadian company focused on relieving the financial stress of owning and maintaining a vehicle. Our friendly, helpful customer service team and our efficient, effective territory representatives are eager to assist consumers with their automotive needs.





Our Services



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Virtual Desk provides dealers with all the support and expertise of a big box dealer. As a dealer you will have access to your very own virtual finance manager who has experience in prime and subprime approvals.

  • Access To Prime And Subprime Lenders.
  • Free Access To Your Personalized Application Link And Web Portal.
  • Same Day Funding.
  • We Advertise Your Inventory On Various Online Platforms.

The Virtual Desk team offers you access to a wide range of lenders. With access to most prime and subprime lenders across the country, we are able to provide your customers with specialized programs and creative financing solutions.


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Repair Loans that fit your budget

  • Use the value of your vehicle to securing Financing even if it isn’t paid of or it is a lease.

What can I Finance?

  • Major repairs
  • Rims & Tires
  • Vehicle Wraps
  • Electrical
  • Performance upgrades

And much more.





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Automobile Financing made easy.

  • Maximum LTV Advance up to 140% of Black Book Wholesale Value
  • Maximum Term: 84 months *Term varies on tier, vehicle year and mileage*
  • Maximum vehicle age: 12 years
  • Proof of income-$1,800 single or $2,500 combined with co-borrower
  • Proof of employment-minimum 1 months
  • Up to 60% TDS calculation including ShopEpay loan
  • Limited or no credit history o New Canadian residents and foreign students o First day Bankruptcy/Proposal
  • Social Insurance Number beginning with 9 accepted
  • Multiple Units

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BHPHpro is a software platform designed for dealers by ShopEpay to manage a loan from beginning to end.


ShopEpay also offer a program where we will manage the portfolio for you. Including contracts, collections and repossessions.








Partners and Integrations


ShopEpay is fully integrated with several software tools. This streamlines the process and allows us to provide our customers and partners with all the tools and information necessary to tackle every financial aspect of the automotive world.



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Get In Touch With Us


To sign up or learn more about any of our services please contact us. We are here to help. Feel free to contact us by phone or email with any questions.


ShopEpay

  •   33-2100 Thurston Dr Ottawa,
         Ontario K1G4K8
  •   1-800-460-4140
  •   info@shopepay.ca