Easy Applications - Fast Approvals


Understand your credit, get approved, and start driving a new car

Centennial Credit's Personalized Application Process gets you the best approval on a car you actually want, so you can stop wishing and start driving!

We're partnered with the lenders you know and trust


Personalized approval process


Step 1. Credit Analysis

Using the information you provide, we analyze your credit history together to determine the best way to move forward with your application.

Why is this important?

We DON'T shotgun your application to all our lenders, hoping something comes back, and potentially damaging your credit in the process.


Step 2. Needs Analysis

Together, we analyze your vehicle needs to ensure the vehicle you choose will serve you the best it can.

Why does this matter?

You won't pick a vehicle you'll regret. You'll pick a vehicle that will function for you well into the future.


Step 3. Vehicle Selection

Based on the credit and needs analysis we'll provide you with several options to choose from within our extensive 700+ new and used vehicle inventory.

Why does this matter?

It provides you maximum choice in a new vehicle and provides the best chance to get approved on a vehicle you actually want to buy.


Step 4. Application Submission

Based on all the information we’ve gathered so far, we’ll submit your application to the lender that has the best chances of approving it the first time.

Why does this matter?

We don’t gamble with your credit. We make an educated decision of which of our 20 lenders to submit to. This eliminates unnecessary hits on your credit bureau.

5 Reasons to work with us

Incredible Vehicle Selection

Our extensive inventory of over 700 new and used vehicles located locally on the Island offers you tons of choice for your next car.

Inviting Locations

Our showrooms and lots are conveniently located in both Charlottetown and Summerside. They include multiple state of the art facilities for a modern car-buying experience.

Data Driven Process

Our Personalized Approval Process guides you through a calculated application experience preventing any unnecessary damage to your credit.

Laser Targeted Applications

No shotgun applications. Consider this: applying at as few as 2 dealerships that use a shotgun approach to submitting credit applications could result in 30+ hits to your credit bureau!

Common Goals

We're problem solvers. We're here to help you get the car you want, or the car you need to fit your lifestyle. We work with you to achieve this common goal and build a lasting relationship.

Have a Question? Text us!

Our team of 7 professional finance managers have over 40 years of experience in the automotive industry.

If you're still wondering whether Centennial Credit is a good fit, or if you have general questions about the application process, send us a text message for fast answers at: