Find the car loan
that suits your needs.
- Lenders for bad, fair and no credit
- Online quotes with no credit searches
Average new car loan rate at Canadian banks: 6.59% (Bank of Canada, August 2026).
Estimate your payment
Takes 10 seconds- Cost of credit
- Total repayment
Estimate using the middle of published rate ranges for each credit tier (Loans Canada). Your actual rate depends on your credit profile and lender approval.
A better way to finance your next car.
Know your budget before you shop. We handle the lender legwork so you can focus on choosing the right car.
-
01
We sort your finance
Answer a few questions in about two minutes. We compare programs across our lender panel to find a deal that fits your situation — with no impact on your credit score.
-
02
We do the legwork
A dedicated account manager handles the paperwork and talks to the dealer for you, and stays on hand until you drive away.
-
03
You take your pick
Choose a car from any reputable dealer — or buy 100% online through our partner Skip Car Dealer. We run the checks so you are good to go.
Banks say no. Our lenders specialize in yes.
Most banks only serve good credit, and most dealerships can’t reach the programs you need. Every lender we work with has a team dedicated to helping Canadians with bad or no credit.
Bad credit
Missed payments or collections in the past? Our partners look at your income and stability today, not just your history.
No credit
First car, new to Canada or never borrowed before — we match you with programs designed for thin credit files.
Rebuilding
An auto loan paid on time is one of the fastest ways to rebuild. We help you choose a payment you can keep up with.
Buy 100% online
Skip the dealership. Browse, finance and buy from home with our partner Skip Car Dealer.
Local lenders in every province and territory.
- Alberta car loans AB
- British Columbia car loans BC
- Manitoba car loans MB
- New Brunswick car loans NB
- Newfoundland and Labrador car loans NL
- Northwest Territories car loans NT
- Nova Scotia car loans NS
- Nunavut car loans NU
- Ontario car loans ON
- Prince Edward Island car loans PE
- Quebec car loans QC
- Saskatchewan car loans SK
- Yukon car loans YT
Understand car loans.
All resources
Why use Car Loan Finder?
Banks are set up to help people with good credit, and most dealerships don’t have access to specialized financing programs. Every finance partner we work with has a department dedicated to helping people with bad credit — that is how we have helped thousands of Canadians find affordable cars, trucks and SUVs.
What information do you need?
Only what we need to find you an approval. Knowing your location and a little about your financial situation lets us choose the partner with the highest chance of approving you.
Can a car loan build my credit?
Confirm with your lender, but usually your payments are reported to the credit bureaus. Paying on time, every time, can help repair your credit.
What is the highest rate a car lender can charge?
Since January 1, 2025, the Criminal Code caps interest at 35% APR on consumer loans, including car loans. The average rate on new auto loans at Canadian banks was 6.59% in August 2026 (Bank of Canada).
Where is your office located?
Our office is at 1120 Finch Avenue West in Toronto, Ontario, and we work with dealership partners across Canada.
Can I avoid the dealership entirely?
Yes. Through our partner Skip Car Dealer you can browse vehicles, secure financing and complete your purchase 100% online.
Let’s get you started.
Applying takes a couple of minutes and won’t affect your credit score.