A couple receiving the keys to their new family car from a dealership advisor

A happy couple standing beside their silver Toyota sedan

A family loading groceries into their white Honda CR-V

A finance advisor shaking hands with a customer in a dealership office

Etobicoke, Ontario

Car loans built for real families

We look at your history, not just your credit score. Good people get into bad credit situations — we arrange an affordable auto loan tailored to your situation.

Calculate my payment

1,000+: Approvals
24 hrs: Fast decision
0: Co-signers needed

What we offer

Our financing programs

Whatever your situation, there is a path to the keys. There is no such thing as bad credit here.

Start Right Program

Loans for new immigrants, visa workers and foreign workers — no credit history required. Just be working with a valid work visa.

First Chance Approval

No credit history yet? With a cell phone bill and 6 months on the job you're approved — no co-signer needed.

Reduce Your Interest Rate

Paying high interest on your current car loan? We refinance and have lowered rates for hundreds of customers.

Two minutes, no obligation

Apply for financing

One short, secure application. No obligation, no impact on your day — and a real person from our Etobicoke office follows up with your options.

New to Canada and work-visa friendly
Bad credit, no credit, bankruptcy or consumer proposal
Refinancing to lower your current rate
Vehicles priced for middle-class budgets

A finance advisor shaking hands with an approved customer

How it works

Apply online

Fill in our secure credit application in a few minutes.

Get approved

We match you with the right lender from our partner network.

Pick your car

Reliable Toyota, Honda, Benz and family vehicles in your budget.

Drive & rebuild

On-time payments rebuild your credit score month after month.

Trade-in appraisal

Turn your current vehicle into a down payment. Tell us what you drive and we'll give you a fair, no-pressure value you can put straight toward your next car — even if you still owe money on it.