Auto Financing
new, used, or electric
Our brokers compare offers from over 20 Canadian lenders to secure the best auto financing rate for you, regardless of your credit situation.
How to Get Your Auto Financing
Submit Your Application
Fill out our secure form in minutes. No obligation and no negative impact on your credit score.
Your Broker Compares Offers
A dedicated broker contacts our 20+ lending partners to negotiate the best rate based on your profile and chosen vehicle.
Take the Wheel
Financing approved within 24-48h. Funds are transferred to the dealership or private seller. Drive away with your vehicle.
Why Use a Broker for Your Auto Loan?
We finance up to 100% of your vehicle purchase, including taxes, registration fees, and accessories. Unlike dealerships that work with only a few institutions, our brokers access 20+ lenders.
You arrive at the seller with pre-approved financing, giving you strong bargaining power on the vehicle price itself.
All Vehicles We Finance
Whatever your dream vehicle, we have a financing solution tailored for you.
New Vehicle
Full financing including taxes, freight fees, registration, and optional accessories.
Used Vehicle
Loan for certified dealership or private sale vehicles, with or without a down payment.
Electric & Hybrid
Advantageous solutions combined with federal and provincial green vehicle rebates.
Motorcycle & Powersports
Competitive financing for motorcycles, scooters, and recreational motor vehicles.
Commercial Fleet
Fleet financing solutions for businesses: trucks, utility vans, and service vehicles.
RV, Boat & Leisure
Financing for recreational vehicles, boats, snowmobiles, and other motorized leisure equipment.
Our Brokers vs. Dealership Financing
Dealership financing often represents only one or two options. Our brokers access over 20 financial institutions, banks, credit unions, and specialized lenders to secure the lowest possible rate.
Best negotiated rate
Comparison across 20+ lenders to present you with the most competitive offer.
Negotiation Power
Arrive at the seller with pre-approved financing to negotiate the best price on the vehicle.
Dedicated Broker
An expert accompanies you from the initial quote to the disbursement of funds to the seller.
Flexible Terms
Term, down payment, and repayment terms adapted to your monthly budget, even with imperfect credit.
Simulate Your Auto Loan
Estimate your monthly payments in real time and view your detailed amortization schedule.
Auto Loan Parameters
Enter your values to calculate your monthly payments
Simulation Results
Indicative estimates of your auto monthly payment
Your Estimated Monthly Payment
586,84 $ / months
Financed Amount: 30 000,00 $ (down payment deducted: 5 000 $)
Total Interest
5 210,64 $
@ 6,49%
Total Loan Cost
35 210,64 $
60 monthly payments
Financing Negotiated by Our Brokers
Personalized rate with zero brokerage fees
Auto Loan Amortization Schedule
Month-by-month breakdown of your repayment — 60 monthly payments
| Month | Monthly Payment | Principal | Interest | Remaining Balance |
|---|---|---|---|---|
| 1 | 586,84 $ | 424,59 $ | 162,25 $ | 29 575,41 $ |
| 2 | 586,84 $ | 426,89 $ | 159,95 $ | 29 148,52 $ |
| 3 | 586,84 $ | 429,20 $ | 157,64 $ | 28 719,32 $ |
| 4 | 586,84 $ | 431,52 $ | 155,32 $ | 28 287,80 $ |
| 5 | 586,84 $ | 433,85 $ | 152,99 $ | 27 853,94 $ |
| 6 | 586,84 $ | 436,20 $ | 150,64 $ | 27 417,74 $ |
| 7 | 586,84 $ | 438,56 $ | 148,28 $ | 26 979,18 $ |
| 8 | 586,84 $ | 440,93 $ | 145,91 $ | 26 538,25 $ |
| 9 | 586,84 $ | 443,32 $ | 143,53 $ | 26 094,93 $ |
| 10 | 586,84 $ | 445,71 $ | 141,13 $ | 25 649,22 $ |
| 11 | 586,84 $ | 448,12 $ | 138,72 $ | 25 201,10 $ |
| 12 Year 1 | 586,84 $ | 450,55 $ | 136,30 $ | 24 750,55 $ |
| 13 | 586,84 $ | 452,98 $ | 133,86 $ | 24 297,56 $ |
| 14 | 586,84 $ | 455,43 $ | 131,41 $ | 23 842,13 $ |
| 15 | 586,84 $ | 457,90 $ | 128,95 $ | 23 384,23 $ |
| 16 | 586,84 $ | 460,37 $ | 126,47 $ | 22 923,86 $ |
| 17 | 586,84 $ | 462,86 $ | 123,98 $ | 22 460,99 $ |
| 18 | 586,84 $ | 465,37 $ | 121,48 $ | 21 995,63 $ |
| 19 | 586,84 $ | 467,88 $ | 118,96 $ | 21 527,74 $ |
| 20 | 586,84 $ | 470,41 $ | 116,43 $ | 21 057,33 $ |
| 21 | 586,84 $ | 472,96 $ | 113,89 $ | 20 584,37 $ |
| 22 | 586,84 $ | 475,52 $ | 111,33 $ | 20 108,85 $ |
| 23 | 586,84 $ | 478,09 $ | 108,76 $ | 19 630,76 $ |
| 24 Year 2 | 586,84 $ | 480,67 $ | 106,17 $ | 19 150,09 $ |
| 25 | 586,84 $ | 483,27 $ | 103,57 $ | 18 666,81 $ |
| 26 | 586,84 $ | 485,89 $ | 100,96 $ | 18 180,93 $ |
| 27 | 586,84 $ | 488,52 $ | 98,33 $ | 17 692,41 $ |
| 28 | 586,84 $ | 491,16 $ | 95,69 $ | 17 201,25 $ |
| 29 | 586,84 $ | 493,81 $ | 93,03 $ | 16 707,44 $ |
| 30 | 586,84 $ | 496,48 $ | 90,36 $ | 16 210,96 $ |
| 31 | 586,84 $ | 499,17 $ | 87,67 $ | 15 711,79 $ |
| 32 | 586,84 $ | 501,87 $ | 84,97 $ | 15 209,92 $ |
| 33 | 586,84 $ | 504,58 $ | 82,26 $ | 14 705,33 $ |
| 34 | 586,84 $ | 507,31 $ | 79,53 $ | 14 198,02 $ |
| 35 | 586,84 $ | 510,06 $ | 76,79 $ | 13 687,96 $ |
| 36 Year 3 | 586,84 $ | 512,81 $ | 74,03 $ | 13 175,15 $ |
| 37 | 586,84 $ | 515,59 $ | 71,26 $ | 12 659,56 $ |
| 38 | 586,84 $ | 518,38 $ | 68,47 $ | 12 141,18 $ |
| 39 | 586,84 $ | 521,18 $ | 65,66 $ | 11 620,00 $ |
| 40 | 586,84 $ | 524,00 $ | 62,84 $ | 11 096,00 $ |
| 41 | 586,84 $ | 526,83 $ | 60,01 $ | 10 569,17 $ |
| 42 | 586,84 $ | 529,68 $ | 57,16 $ | 10 039,49 $ |
| 43 | 586,84 $ | 532,55 $ | 54,30 $ | 9 506,94 $ |
| 44 | 586,84 $ | 535,43 $ | 51,42 $ | 8 971,51 $ |
| 45 | 586,84 $ | 538,32 $ | 48,52 $ | 8 433,19 $ |
| 46 | 586,84 $ | 541,23 $ | 45,61 $ | 7 891,96 $ |
| 47 | 586,84 $ | 544,16 $ | 42,68 $ | 7 347,80 $ |
| 48 Year 4 | 586,84 $ | 547,10 $ | 39,74 $ | 6 800,69 $ |
| 49 | 586,84 $ | 550,06 $ | 36,78 $ | 6 250,63 $ |
| 50 | 586,84 $ | 553,04 $ | 33,81 $ | 5 697,59 $ |
| 51 | 586,84 $ | 556,03 $ | 30,81 $ | 5 141,56 $ |
| 52 | 586,84 $ | 559,04 $ | 27,81 $ | 4 582,52 $ |
| 53 | 586,84 $ | 562,06 $ | 24,78 $ | 4 020,46 $ |
| 54 | 586,84 $ | 565,10 $ | 21,74 $ | 3 455,36 $ |
| 55 | 586,84 $ | 568,16 $ | 18,69 $ | 2 887,21 $ |
| 56 | 586,84 $ | 571,23 $ | 15,61 $ | 2 315,98 $ |
| 57 | 586,84 $ | 574,32 $ | 12,53 $ | 1 741,66 $ |
| 58 | 586,84 $ | 577,42 $ | 9,42 $ | 1 164,23 $ |
| 59 | 586,84 $ | 580,55 $ | 6,30 $ | 583,69 $ |
| 60 Year 5 | 586,84 $ | 583,69 $ | 3,16 $ | 0,00 $ |
This table is for illustrative purposes only. Actual rates and conditions depend on your credit profile and offers from our 20+ lender partners. Consult a broker for a personalized offer.
Our Brokers vs. Dealership Financing
| Criterion | Our Brokers | Dealership |
|---|---|---|
| Number of Lenders Consulted | 20+ Institutions | 1 to 2 only |
| Approval Turnaround | 24 – 48 hours | On the spot, but only 1 offer |
| Vehicle Price Negotiation | Yes — pre-approved financing | No — bundled with sales pitch |
| Imperfect Credit Accepted | Yes — alternative lenders | Often declined |
| Frais & Honoraires | Transparent & no hidden fees | Frais variables souvent inclus |
Everything You Need to Know About Auto Financing
Finance Your Next Vehicle Today
Online application in 5 minutes. Broker response within 24 – 48h. No hidden fees.