Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Auto Arriba Car Loans review

Last updated:  

Lock in the money you need to buy or refinance a private-sale vehicle with the user-friendly Auto Arriba app.

Auto Arriba takes the guesswork out of buying a new vehicle. You can use its handy app to apply for a loan and manage the paperwork for your sale. And when you’re ready to buy, Auto Arriba will send out an inspector to make sure the car you choose is in tip-top shape.

8.99% to 29.50%

Interest Rate


Max. Loan Amount


Min. Credit Score


Product NameAuto Arriba Car Loans
Interest Rate8.99% to 29.50%
Loan Term6 - 84 months
Loan SecurityUnsecured
Serviced Provinces/TerritoriesAll provinces (excluding Quebec)
Turnaround Time30 minutes
Go to site
More Info

Whether you’re adding a new set of wheels to your collection or buying your first-ever vehicle, getting a car loan can be a difficult process to navigate. And even if you do manage to find the perfect vehicle, there’s still a chance that it might be a lemon. Here’s how Auto Arriba can help with private auto purchases.

How does a loan with Auto Arriba work?

Auto Arriba provides financing for private vehicle sales from friends, neighbours and sites like Kijiji and Craigslist. This innovative company takes a holistic approach to financing your vehicle and offers customer support from the moment you qualify to the moment you close the deal and drive away. All you need to do is fill out a quick application to see how much you can borrow.

Once you’re approved for financing, the experts at Auto Arriba will send an inspector to look at the vehicle you want to buy to make sure it will hold up on the roads. From there, you just need to sign your financing agreement and bill of sale before you pick up the keys from the seller. You’ll also need to upload proof of insurance and registration in the app before you start driving.

Interest rates on your auto loan will vary based on how much you want to borrow and for how long. They will also fluctuate in line with your unique financial situation. As a rule of thumb, you’ll typically pay less interest on your loan if you have good credit and a steady income. You’ll also save money on interest if you make a down payment on your vehicle or pay your loan off early.

What should I know before I apply with Auto Arriba

How to apply

If you check off all the boxes outlined above and you’re ready to apply for a loan with Auto Arriba, you’ll need to do a couple of things to get started.

  1. Sign up for an account and apply online by providing your name, email address, personal details, proof of ID and relevant documents.
  2. Review and submit your application.
  3. Get verified and approved quickly if you’re eligible for a loan.
  4. Access the Auto Arriba app to manage your payments and financing on your mobile.

Pros and cons


  • Easy application. You can apply from the comfort of your own home in less than 15 minutes.
  • Instant funding. Your application will be processed in a matter of minutes, and you’ll be able to access your funds shortly after.
  • No collateral required. You won’t need to secure your loan against an asset like your home or vehicle.
  • Long terms. You may be able to get a term lasting as long as 84 months on newer vehicles.
  • Bad credit doesn’t matter. Loan decisions depend on factors like your income and employment status, which means your credit score is less important.
  • Early repayment is allowed. You won’t be charged a fee to pay off your outstanding balance early.
  • Peace of mind. Auto Arriba will provide you with a multi-point vehicle inspection and a CarProof report, so you know that your new vehicle is mechanically sound.


  • Potential down payment. You may require a down payment depending on the age and condition of the vehicle you want to buy.
  • Limited to personal vehicles. You won’t be able to use your financing to purchase commercial vehicles.
  • Vehicle criteria. You can only borrow money to buy vehicles that are up to ten model years old or have a maximum of 180,000 kilometres.
  • Computer-based. You’ll have to be a little bit tech-savvy to navigate the online application and document upload process.

Car loan monthly calculator

Calculate how much you could expect to pay each month
Your loan
Loan amount
Loan terms (in years)
Interest rate
$ %

Fill out the form and click on “Calculate” to see your estimated monthly payment.


Compare car loans now

Based on your loan terms...

You can expect to pay back $ per month

This breaks down to...

$ in principal and $ in interest charged, with a total cost of $ Compare car loans now

How to use this car loan monthly payment calculator

  1. Enter the amount you want to borrow to buy a new car under Loan amount. This might not be the same as the cost of your car, since many lenders require a down payment.
  2. Write the amount of time you have to pay off your car loan under Loan terms (in years). If your loan term is in months, divide it by 12 first.
  3. Enter the interest rate you expect to pay on a car loan under Interest rate. If your car loan comes with fees, enter the annual percentage rate (APR) instead.
  4. Click Calculate.

In addition to your monthly payment, this calculator shows how much you’d pay on your loan’s principle amount and how much you’d pay overall in interest. The principle amount is the amount that you borrowed and should be equal to your loan amount. Total interest is the amount you would pay on top of the principle — the cost of having your loan.

Bottom line

Auto Arriba is an innovative app that gives you quick and easy access to the money you need to finance a private vehicle. It also helps with a full inspection of the vehicle to make sure it’s the right fit for you. Find out more about Auto Arriba’s services and start your application today to see if you qualify. Check out our guide on applying for an online car loan for tips on what you’ll need to apply and what to watch out for.

Frequently asked questions about Auto Arriba

Go to site