CarFinance 101 is your plain-English guide to auto loans in Ontario. We connect you with lenders who work with all credit profiles — new credit, past challenges, or just starting out.
Takes 30 seconds. No credit check to inquire.
We've stripped out the jargon and made the process as simple as we possibly can.
Fill out our short form or full application in a few minutes. No credit check just to inquire.
Our team reviews your profile and identifies lenders in our network who match your situation.
Get your financing options, review the terms, and get behind the wheel of your next vehicle.
Whether you're rebuilding credit or just prefer a guided approach, we're here to help.
We work with a range of lenders including those specializing in non-prime and subprime auto loans.
We explain financing terms clearly so you understand your options before you commit to anything.
Bank-grade encryption and responsible data handling. We never sell your info to third parties.
Our advisors aim to follow up on inquiries quickly — typically within one business day.
We specialize in Ontario auto financing and understand the local lending landscape.
Inquiring is free and non-binding. We're here to guide, not to push.
A little knowledge goes a long way. Here's what we tell every first-time applicant.
You don't need perfect credit to qualify. Lenders look at your overall picture, not just a number. Checking your own score doesn't hurt it.
Even a small down payment can improve your loan terms. It reduces the amount you need to borrow and signals commitment to lenders.
Consistent income — whether employed, self-employed, or on a pension — shows lenders you can manage regular payments.
A lower monthly payment with a longer term can mean paying more interest overall. Ask us to explain the full picture before you sign.
These are representative examples of the types of experiences our clients have.
"I had a bankruptcy on my record and assumed no one would finance a car for me. The team walked me through my options and I was driving within a few weeks. Couldn't believe how straightforward it was."
"As a newcomer to Canada, I didn't have a credit history here. CarFinance 101 found a lender who understood my situation and approved me for a reliable sedan. The process was explained clearly every step of the way."
"I was self-employed and had trouble getting a loan through my bank. The advisor here was patient, explained what lenders needed to see, and got me matched quickly. Highly recommend for anyone in a similar situation."
* Examples are representative of client experiences. Individual results vary. Not a guarantee of approval.
We believe in transparency. Here are the questions we hear most often.
No pressure. No obligation. Just plain-English guidance on your path to a vehicle.
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