Car Loans & Auto Financing
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Drive away today with flexible financing options designed for every credit situation. Driving With Us makes car ownership accessible to all Canadians.
Premium Package
Get access to some of Canada’s most competitive auto loan rates, regardless of your credit situation.
Rates starting as low as 4.99% APR for qualified buyers.
No prepayment penalties - pay off early without fees.
Transparent pricing with no hidden costs.
Fast Approval
Get pre-approved in minutes and drive away the same day with our streamlined approval process.
Pre-approval decisions in under 10 minutes.
Same-day financing available.
Online application process for convenience.
All Credit Welcome
Whether you have excellent credit, poor credit, or no credit history, we have loan options for you.
Bad credit and bankruptcy financing available.
First-time buyer programs.
Credit rebuilding opportunities.
Expert Support
Our experienced loan specialists guide you through every step of the financing process.
Dedicated loan specialists for personalized service.
Help finding the best loan terms for your situation.
Ongoing support throughout your loan term.
Loan Options for Your Need
New Vehicle Loans
Financing for brand new vehicles with the best rates and terms.
| From 4.99% APR | Up to 84 months |
Manufacturer incentives
Extended warranties available
Gap insurance options
Used Vehicle Loans
Competitive rates on quality pre-owned vehicles.
| From 7.99% APR | Up to 96 months |
Vehicle history reports included
Mechanical inspections
Certified pre-owned options
Refinancing
Lower your current auto loan payments with better rates.
| From 5.99% APR | Remaining loan term |
No prepayment penalties
Lower monthly payments
Cash-out refinancing available
Financing for Every Credit Situation
Excellent Credit (750+)
Premium rates and terms for borrowers with excellent credit scores
Lowest available rates
Longest terms available
Minimal documentation required
Good Credit (650-749)
Competitive rates for borrowers with good credit history
Great rates and terms
Fast approval process
Flexible down payment options
Fair Credit (550-649)
Specialized programs for borrowers working to improve their credit
Credit improvement opportunities
Reasonable rates
Financial counseling available
No Credit / Below 550
Second chance financing for those with credit challenges
Fresh start programs
Co-signer options
Credit rebuilding assistance
Simple Application Process
Get approved for your car loan in just a few easy steps
1. Apply Online
Complete our quick online application in minutes
2. Get Approved
Receive your pre-approval decision in under 10 minutes
3. Choose Vehicle
Browse our inventory or find a vehicle at any dealer
4. Drive Away
Complete final paperwork and drive your new car home
Ready to Get Pre-Approved?
Take the first step towards your new vehicle. Get pre-approved today and know exactly what you can afford before you shop.