Your next car loan, matched to your credit.
Answer a few quick questions and we connect you with Canadian lenders and dealerships that fit your budget, whether your credit is excellent, rebuilding, or brand new.
- Takes about 2 minutes
- Checking your options does not affect your credit score
- Good credit, bad credit, no credit, newcomers and self-employed
- Free to use. No obligation to accept an offer.
Thanks, there. You're on your way.
A financing specialist will contact you shortly with options that fit your budget. Keep your phone handy, and have a recent pay stub or proof of income ready to speed things up.
From questions to keys in three steps
Tell us about you
A few quick taps about the vehicle, your budget and your income. No documents needed yet.
Get matched
We send your request to lenders and dealerships that work with your credit profile and province.
Choose and drive
Compare what you're offered, pick the vehicle and the payment, and only then sign anything.
Built for every kind of credit file
Good or excellent credit
Get matched with lenders competing for strong credit profiles, on new or used vehicles.
Bad credit or past bankruptcy
Missed payments, collections, or a discharged bankruptcy or consumer proposal don't rule you out.
New to Canada
No Canadian credit history yet? Some lenders have programs for new permanent residents and work-permit holders.
Gig, contract and business owners
Income that doesn't fit a pay stub can still qualify with bank statements or tax returns.
Your car loan can help rebuild your credit
On-time payments build your history
Lenders that report to Equifax and TransUnion add each on-time payment to your credit file. Over 12 to 24 months, a steady record can lift your score.
Make sure your lender reports
Not every lender reports to both bureaus. Before you sign, ask whether your payments will be reported and to which bureau.
Set up automatic payments
Match your payment date to your payday. One missed payment can undo months of progress.
Refinance as your score improves
After a year or more of on-time payments, you may qualify for a lower rate. Come back and check your options again.
Before you start
Can I get a car loan with bad credit?
Often, yes. Lenders look at your income, your job stability and your budget, not only your score. Your rate depends on your full profile.
What will I need later?
Usually a valid driver's licence, proof of income such as a recent pay stub, and proof of address. Self-employed applicants may be asked for bank statements or a Notice of Assessment.