Financing
A payment that fits, whatever your credit says
Good credit, rebuilding, new to Canada or self-employed — our finance desk shops your application to find a rate and term that work.
Payment estimator
Estimated bi-weekly
—
— / month · plus HST & licensing on the price
Estimates only. Actual rate, term and payment are on approved credit and depend on the vehicle, down payment and lender.
Pre-approval
Two minutes, no commitment
Send the basics and our finance desk will get back to you with options. No credit check until you say go.
Financing guides
Know how it works
FinancingBad credit car loans in Ontario: what lenders look at and how to get a fair deal
How car loans work with bad or limited credit in Ontario: what lenders check, why rates run higher, soft vs hard checks, red flags and rebuilding credit.
8 min read
FinancingBuying and financing a car as a newcomer to Canada
Buying and financing a car as a newcomer in Ontario: foreign licence rules, insurance, documents lenders ask for, building Canadian credit and down payments.
7 min read
FinancingBi-weekly vs monthly car payments: what actually changes
Bi-weekly vs monthly car payments explained: 26 vs 12 payments, accelerated bi-weekly, how term length changes total interest, and the risk of long terms.
7 min readFinancing questions
Can I get financed with bad credit or no credit?
Yes — we work with lenders across the credit spectrum, including new-to-Canada, self-employed and rebuilding-credit buyers. Approval and rate depend on your situation.
How much do I need for a down payment?
It depends on the car and your credit. A down payment or trade-in lowers your payment and can improve the rate.
Will sending a pre-approval request hurt my credit score?
No. Sending us the form doesn't trigger a credit check. A lender's credit check only happens once you decide to move forward with an application.
Can I use my trade-in as the down payment?
Absolutely. We appraise your current car and apply its value — and any equity — straight to the deal.
Is bi-weekly cheaper than monthly?
Regular bi-weekly payments cost about the same as monthly. Accelerated bi-weekly works out to one extra monthly payment a year, which shortens the loan. Our bi-weekly vs monthly guide shows the math.