Financing

Drive on your terms.

One application, 10+ lenders, real rates. Get a decision in minutes — not days.

6.99%starting APR

10+lenders compared

2 minto apply

Estimated payment

$848/ month

at 6.99% APR · 72-month term · $61,056 total

includes $5,868 sales tax (BC 12%)

Vehicle price

Down payment

ProvinceCredit score range720-850 · Excellent

Term72 months

Apply · 2-minute application

Estimate only. Exact rate and term are set by the lender after your application is reviewed.

Multi-lender shopping

More lenders. Better odds.

We send your application across our network of 10+ lenders at once and bring the best offers back to you. You see the term, the rate, and any dealer fees on a single page — approve the one that works, or walk.

Pre-qualify now How it works

Apply in 2 minutes

Real lenders. Real numbers.

Tell us a few things. We'll run your application against our lender network and come back with an APR range, a max purchase price, and the lenders that match.

One application, many lendersEncrypted and never soldOffers valid for 30 days

6.99%

starting APR for excellent credit

480–850

credit scores we work with

2 min

to complete an application

10+

lenders quoted on every application

Financing, your way

One agent. Every way to finance.

Rate shopping with excellent credit, leasing, financing in your business's name — or a file that's bruised, brand new, or starting from zero. Whatever the situation, we place it with the lenders who specialize in exactly that.

Best ratesStrong credit deserves competition — one application, 10+ lenders, and no markup on the rate the lender quotes.LeasingThe honest lease-vs-finance math, the fine print that costs money, and buyout help when a lease ends.Business financingFinance or lease in your company's name — sole proprietors, corporations, and newer businesses with a guarantee.Bad creditFinancing for scores in the 400s and 500s, past late payments, collections, divorce, or a repossession.Bankruptcy & consumer proposalFinancing during or after an insolvency — including before discharge — and how a reported loan speeds up the rebuild.No credit & first-time buyersFirst loan, thin file, students, and cash-only histories — approval built on income and stability instead of a score.New to CanadaNewcomer financing on work permits, study permits, and PR — no Canadian credit history required to start.

Trade-in advantage

Trade-in tax credit example

In Ontario, a $35,000 trade-in can create $4,550 in HST savings. That makes the trade-in value comparable to selling privately for $39,550 before the extra time, risk, and paperwork.

$35,000trade-in value

$4,550Ontario HST savings at 13%

FAQ

Financing, demystified.

How is your rate different from a dealership rate?

We don't mark up the rate the lender quotes you — what you see is what they offered.

Does applying affect my credit score?

Submitting a full credit application is a hard inquiry, which can have a small, temporary impact on your score. Rate-shopping inquiries for an auto loan within a short window are typically grouped together by credit bureaus, so applying through us is treated as a single shop — not multiple hits.

What credit score do I need?

We work with prime, near-prime, and subprime lenders for customers from 480 to 850.

How are my financing terms determined?

Your payment, term, and interest rate are based on the vehicle year, your credit profile, and the current programs available through our lender network.

We work with every credit situation.

AutoAgents works with prime, near-prime, and rebuilding-credit customers. We can also help you understand options that may lower your rate once you qualify.

Can I still buy with AutoAgents but use my bank?

Yes. Bring your bank or credit-union approval and we can compare it against our lender quotes. If your bank is better, you can use it.

What is the process for monthly payments?

Once your final approval is signed, payments come from your selected bank account automatically based on the terms you choose.