It begins with our quick, step-by-step online application. All you need to do is provide just the basic information on your budget, employment, and vehicle requirements. No invasive credit check required! Based on a few simple questions, our matching engine then scours our extensive dealer database to provide instant results: a full range of viable financing opportunities, determined directly by your real financial factors. Once you find a plan you like, we’ll connect you to trusted auto dealers and lenders in your local area that are ready to work with you and get you behind the wheel.

Soon after submitting your application, you’ll be contacted by a dealership close to you. The information you’ve provided will be used to quickly move your financing approval ahead. If the online application isn’t your style, you can also make these arrangements over the phone. Give us a call!

The application itself takes mere minutes. Once you’ve provided us with your basic information, a Canada Auto Lending loan specialist will contact you to discuss your objectives. Next, you’ll be connected directly to a dealership partner or lender with financing opportunities that match your needs. From there, you’ll be driving in no time at all.

Applicants must be permanent residents of Canada and of the age of majority in their home province. Canada Auto Lending has no minimum financial requirements—we have a broad range of options for everyone, regardless of their credit history or economic status.

The rates start at a 4.99% Fixed Rate, open ended loan with no penalty for prepayment. If you know you have good credit, Canada Auto Lending will still deliver the vehicle right to your door for free.

The amount of your loan will depend primarily on your financial circumstances and vehicle needs. Our chief priority is giving you options and guidance, steering you toward the best car for your lifestyle, at a financing plan that works for your budget and income.

Every financing plan and dealer agreement has different terms, but, in many cases, no down payment is required. However, a larger down payment will almost certainly result in lower monthly payments and potentially lower interest rates. This will make you a more attractive borrower in many lenders’ eyes—so if you can afford it, making a down payment is a wise move.

At Canada Auto Lending, we see buyers as real people, not just their credit score. Our specialty is helping all borrowers, even subprime borrowers (i.e., those with bad credit or no credit), to locate alternative funding sources toward purchasing the new or used vehicle they need. In support of this philosophy, we work exclusively with reputable lenders who share our mission of empowering Canadians to make sensible purchasing decisions.

At Canada Auto Lending, we’re focused on your financial future, not the past. If you have bad credit or other substantial blemishes on your financial record, we’ll work to find a vehicle that meets your essential needs.

If you honour all aspects of your loan agreement by making your payments in full and on time, a car loan can have a positive impact on your credit history. Just keep making those payments!

Our network encompasses hundreds of dealers across the country. These dealerships offer every make and manufacturer of cars, trucks, SUVs, and more on the market today, whether you’re perusing the dazzling latest models or considering a slightly used vehicle. Whatever the type of vehicle you’re shopping for, our network has options for you.

With many dealers, you can apply the value of your existing vehicle as a down payment, even if you’re still owing on it. This will help you lower your monthly payments and save you money. Put that old car to good use!