Apply for a car loan online in a few minutes. All credit is considered, getting matched uses a soft check that won’t hurt your score, and there’s no obligation to accept any offer.
Ready to apply for a car loan? FindAVehicle connects you with dealer and lender partners across Canada who finance cars, trucks, SUVs, and vans — new or used, from a dealership or a private seller. The application is fully online, and because approval is based on your income and stability rather than your credit score alone, buyers with bad or limited credit are welcome to apply.
Yes. FindAVehicle is a lead-referral service, not a lender, and we will never ask you for your banking login or move money. Getting matched uses a soft credit check that doesn’t affect your score; a hard inquiry only happens later, with your consent, when you move forward with a specific lender. If anyone contacts you demanding an upfront fee or your banking password before approval, treat it as a red flag.
The online application takes just a few minutes. Because income is verified instantly with IBV, you can often be matched with a lender and see an estimated rate the same day.
Yes. It’s free to apply for a car loan through FindAVehicle, with no obligation. A legitimate lender never charges an upfront fee to approve your loan.
No. Getting matched uses a soft check that doesn’t affect your score. A hard inquiry only occurs later, with your permission, once you choose to proceed with a lender’s offer.
Yes, you can apply for a car loan with bad credit. Our lender network considers all credit types. Approval is based on your income and ability to repay. See our bad credit auto loans page for what to expect.
Want to estimate a payment first? Try our car loan calculator, or head back to the FindAVehicle home page to learn more about your options. Already financing a vehicle? See whether refinancing your loan could lower your payment, and browse our car financing guides.
Sources: Financial Consumer Agency of Canada — Loans & lines of credit · Criminal Code, s.347 (interest rate).
Disclaimer: FindAVehicle is a lead-referral service, not a lender, and does not guarantee approval. We never ask for your banking login — only your matched lender will request the information needed to finalize a loan. 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 assessment. All credit is considered, with a soft check to match you and a hard inquiry only with your consent.
