FindAVehicle matches Canadians with auto lenders for new, used, and private-sale financing — all credit considered, with a soft check that won’t hurt your score. Find the car and the rate that fit you.
Buying a vehicle in Canada shouldn’t depend on having perfect credit. Whether you’re shopping at a dealership or buying privately, FindAVehicle connects you with lenders across all 10 provinces and 3 territories who finance cars, trucks, SUVs, and vans for buyers of every credit type. Approval is based on your income and stability — not just your score — so a past credit setback doesn’t have to keep you off the road.
Turned down by a dealership? Our lender network works with fair, poor, and rebuilding credit. Approval is based on income, so a low score doesn’t automatically disqualify you.
Buying from a private seller instead of a lot? We finance private-sale purchases that most banks and dealerships won’t touch.
Cars, trucks, SUVs, and vans, new or used. Match the financing to the vehicle you actually want to drive.
Lenders and dealers across every province and territory, with a fully online application — no need to visit a branch.
Your rate depends on your credit, the vehicle, and the lender. Auto loan APRs in Canada generally range from about 7% to 29.99%. As a rough guide:
| Credit profile | Typical APR range | What to expect |
|---|---|---|
| Good / excellent | ~7%–12% | Best rates and the widest vehicle choice |
| Fair | ~12%–20% | Approved with a moderate rate |
| Bad / rebuilding | ~20%–29.99% | Approval based on income; rebuild credit with on-time payments |
A repossession, a bankruptcy, or a thin credit file doesn’t have to mean “no.” Our lenders specialize in second-chance auto financing and look at the full picture — your income, employment, and ability to repay. A car loan repaid on time is also one of the most reliable ways to rebuild your credit over the life of the loan. Learn more on our bad credit auto loans page, or if you already have a loan, see whether refinancing your vehicle loan could lower your payment.
Yes. Lenders in our network consider all credit types and weigh your income and stability, not just your score. Expect a higher APR (up to about 29.99%) and the chance to rebuild your credit with on-time payments.
There’s no single cutoff. Prime rates usually start around a 660+ score, but our lenders approve fair and poor credit too, basing the decision on your income and ability to repay. The lower your score, the higher your rate is likely to be.
No. Getting matched starts with a soft check that doesn’t affect your score. A hard inquiry only happens later, with your consent, when you move forward with a specific lender.
Yes. FindAVehicle arranges financing for private-sale purchases, not just dealership cars. The vehicle’s age, mileage, and condition affect the rate and approval, so newer vehicles are easier to finance.
Auto loan APRs generally range from about 7% for excellent credit to 29.99% for rebuilding credit. Your exact rate is set after a full assessment of your credit and the vehicle.
Sources: Financial Consumer Agency of Canada — Loans & lines of credit · Criminal Code, s.347 (interest rate).
Disclaimer: FindAVehicle is an auto loan-matching service, not a lender, and does not guarantee approval. Auto loan rates typically range from about 7% to 29.99% APR depending on your credit and the vehicle; your actual rate is determined after a full credit assessment. All credit is considered — a soft check is used to match you, and a hard inquiry only occurs with your consent. Borrow responsibly.
