What Yes Plan Auto Finance does

Yes Plan Auto Finance Inc. is a privately-held Canadian specialty auto financier headquartered at 16830 107 Avenue in Edmonton, Alberta, founded in 2015 and operating with 11-50 employees. The company provides automotive and recreational vehicle financing, vehicle leasing, and a Finance vs. Lease Advisory service to individual vehicle buyers through an indirect dealer partnership model that spans Western Canada and Ontario. It originated from a rebranding and management transition of the legacy Glory Hills Financial Services loan portfolio into the Yes Plan brand, and continues to service those accounts under the same terms.

The company's core technology is operationally lightweight: it uses an encrypted server to receive online credit applications and protect borrower data, and it offers three payment channels — email money transfer (Interac e-Transfer to [email protected]), a third-party online payment portal (Repay), and automatic PAP debit from authorized bank accounts. Yes Plan is compliant with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and Canada's Anti-Spam Legislation (CASL). There are no disclosed proprietary AI/ML underwriting models, mobile applications, or public APIs.

Yes Plan earns revenue through a transaction-fee model, originating loans via dealer referrals and collecting monthly payments from borrowers; pricing is determined on a per-application basis using credit history, job stability, residence stability, and credit score rather than published rate cards. The firm serves two primary segments — vehicle buyers (often those who cannot qualify for traditional bank credit) and dealer partners that need an embedded financing option — and is privately held with no disclosed parent company, institutional investors, funding rounds, or revenue figures.

Name

Yes Plan Auto Finance

Legal name

Yes Plan Auto Finance Inc.

Website

https://yesplanautofinance.ca

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Yes Plan Auto Finance is a privately-held Edmonton-based specialty auto financier that originates automotive, recreational vehicle, and lease financing for individual borrowers through a dealer partner network across Western Canada and Ontario.

Ownership category

akta.pro rank

Product category

Consumer Auto Lending

NAICS

Sales Financing (52222), Sales Financing (522220)

SIC

Personal Credit Institutions (6141), Finance Lessors (6172)

akta.pro primary industry

New & Used Auto Purchase Loans (FSAKADAA)

akta.pro secondary industries

Leasing & Lease Buyout Financing (FSAKADAC), Auto & Vehicle Leasing (Personal Use) (FSAKANAA)

Keywords

• Auto financing
• Vehicle loans
• Recreational vehicle financing
• Consumer lending
• Dealer financing

Headquarters

HQ city

Edmonton

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Auto and Recreational Vehicle Financing: Yes Plan Auto Finance generates revenue by providing automotive and recreational vehicle financing options. The company originates loans and manages payment collection through multiple channels including email money transfer, online payment portal (Repay), and automatic PAP debit payments.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Yes Plan Auto Finance Inc. originates and services automotive and recreational vehicle loans for individual consumers through a network of dealer partners across Western Canada and Ontario. The company underwrites credit applications, funds vehicle purchases at the dealership point-of-sale, and collects monthly payments via email money transfer, an online portal (Repay), and pre-authorized debit. It also offers vehicle leasing and a finance-vs-lease advisory consultation.

Product overview

Yes Plan Auto Finance offers a unified financing platform centered on automotive and recreational vehicle financing through dealer partners across Western Canada and Ontario. The company provides two primary financing products—Auto Financing and Recreational Vehicle Financing—complemented by Vehicle Leasing options. A Finance vs. Lease Advisory service round out the offering, helping customers choose between ownership and leasing based on their financial goals. The company emphasizes a 'no nonsense, common sense approach' to approvals and customer service.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Financing
• Recreational Vehicle Financing
• Vehicle Leasing
• Finance vs. Lease Advisory

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Dealer PartnerscoreChannel Partner/ Reseller/ DistributorYes Plan Auto Finance provides automotive and recreational vehicle financing options for customers through its dealer partner network. These dealers offer Yes Plan financing as a payment option to vehicle buyers. The company serves customers through dealer partners across Western Canada and Ontario.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Scotiabank Auto Finance: Major Canadian bank's auto finance division operating through dealers nationwide — competing indirect-origination channel and broader product set.
• goeasy: Canadian subprime consumer lender (formerly easyhome) whose automotive financing segment (including legacy Carfinco) serves non-prime borrowers through dealers — directly comparable credit profile and origination channel.
• CIBC Auto Finance: Canadian bank captive that finances vehicles at the dealer point-of-sale — same dealer-channel mechanics, broader geographic reach, and prime-funded cost of capital.
• iA Auto Finance (iA Financial Group): Canadian auto and leisure vehicle finance arm of iA Financial Group, originating through dealer networks nationally — same dealer-channel model and product set, but with broader balance sheet and institutional scale.
• CWB Financial Group (CWB Maxium): Western Canadian chartered bank with equipment and vehicle leasing/financing capabilities for dealers and commercial customers — overlapping geography and vehicle finance product.
• TD Auto Finance (Canada): Bank-owned captive that funds dealer F&I originations in Canada — directly competes with Yes Plan at the dealer desk but operates at much larger scale with a prime-skewed book.

Direct peers

• Whitecap Direct: Canadian recreational vehicle financing specialist working through RV dealers across Canada — comparable niche focus on RV finance through an indirect dealer channel.
• LendCare: Canadian point-of-sale consumer finance company that originates auto, RV, healthcare, and home-improvement loans through a dealer and merchant partner network — highly comparable indirect-origination model and product mix.
• AutoCanada Financial Services: Captive financial services arm of one of Canada's largest dealership groups, offering F&I products through its own dealer network — same dealer-channel auto finance economics from the dealer side of the table.

Others

• Dealertrack Canada (Cox Automotive): Technology platform that powers dealer F&I workflows and lender connections across Canada — adjacent ecosystem participant that influences how dealers choose lenders like Yes Plan.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat1 record

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/yesplanfinance
• Facebookfacebook.com/yesplanfinancial

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Yes Plan Auto Finance