Car loans for every credit situation
Tell us what you are looking for. We take your application, work it with our bank and non-bank lending partners, and arrange your vehicle through our dealer partners.
Where you are with credit shapes your options
Rough guides only. Every lender sets its own criteria, and approval is never guaranteed.
- Excellent
- Strong credit often opens the widest choice, including bank lenders.
- Good
- Many lenders may be open to you. Your options are still worth a look.
- Fair
- Banks and non-bank lenders may both be worth a look.
- Rebuilding or new
- Non-bank lenders may consider more than your score.
What to have ready
You do not need everything to start. Lenders may ask for more later.
- The type of vehicle and a rough price, or the amount you want to borrow.
- Your province and a rough idea of your credit.
- Your contact details, so we and our partners can reach you with your consent.
Estimate a monthly payment
Use the calculator on our homepage to try different prices, down payments and terms.
Open the calculatorCar loan questions
Can I finance a used car or a private sale?
Often, yes, but options vary by lender. Tell us the details in your request.
Do I need a down payment?
It depends on the lender and your situation. A down payment can lower your monthly payment and the total interest.
Is a longer term better?
A longer term lowers the monthly payment but usually costs more in total interest. Use the calculator to compare.
Start your car loan request
One short request. No obligation to accept an offer.