What’s the catch? You need near-perfect credit (and you won’t get this deal on a used vehicle). But since you’re most likely a subprime customer (ask anyone working in car finance) with shit credit, you won’t qualify. On the bright side, the four exclamation marks got you in the door. And because you’re likely not good with money, given Alberta’s nation-leading household debt, you’ll borrow at a high rate for your shiny new vehicle.