FICO stands for “Fair Isaac Corporation” which is the company that produces financial software that calculates a person’s credit score. When you apply for a car loan at CA Lending® your FICO score alongside your full credit report is reviewed by our lending department. Although we do take your FICO score into account it is a very small part of our decision making process when providing an auto loan. At CA Lending®, our main concern is your employment history and your payment history in the last 13 months. So if you have bad credit, had a bankruptcy or are in a consumer proposal rest assured that your car loan application will be reviewed on its individual merit. So Apply Today and get Approved!