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Canada Drives vs Clutch vs CarDoor

If you're thinking of buying a car online, here's a look at how these online car dealers stack up.

Canada’s ushered in a string of online car dealers so you can shop for cars, apply for financing and get your vehicle delivered to your front door. Here’s a look at how 3 main car-buying platforms compare in various categories.

Online car dealers: Canada Drives vs Clutch vs CarDoor

Category

Canada Drives

Canada Drives logo

Clutch

Clutch logo

CarDoor

Picture not described

Inventory
  • Pre-owned cars, SUVs, minivans and Jeeps
  • Hundreds of inventory in BC, Ontario and Alberta
  • Pre-owned cars, SUVs, minivans and Jeeps
  • Hundreds of inventory in Alberta, British Columbia, New Brunswick, Nova Scotia, Ontario and Prince Edward Island
  • Pre-owned cars, SUVs, minivans and Jeeps
  • Hundreds of inventory in Ontario only (GTA specifically)
Financing options
  • New car loans
  • Used car loans
  • Bad credit car loans (including no credit, poor credit and bankruptcy)
Used car loansUsed car loans
APR ranges
  • 0-30%
  • Starting at 2.99% for used vehicles
From 3.9%Starting at 4%
Interest rate typeFixedFixedFixed
Loan termsUp to 84 months12-96 months24-84 months
Minimum loan amountNot disclosed online.$7,500$8,000
Maximum loan amount$75,000No maximum$110,000
Loan flexibility
  • Monthly payments are set up with pre-authorized debit from your bank.
  • Contact Canada Drives if you need to make changes to your payment schedule.
  • Early repayments without incurring any penalties.
  • Choose from weekly, fortnightly or monthly payments.
  • Option to increase payments to any amount to pay off your loan faster; however, you cannot have your payments reduced.
Not disclosed on its website.
FeesNot disclosed on its website.In Halifax, there is an $899 car-prep fee.$130 for registering your licence plate
Trial period7-day return policy or 500 kilometres.10-day “Test Own” guarantee or 750 kilometres.14-day test-drive guarantee (you must not log more than 750 kilometres)
Exchange policyExchanges can be made within the 7-day return policy.Exchanges can be made within the 10-day “Test Own” policy.60-day window (as long as you haven’t driven the car for more than 5,000 kilometres)
WarrantyComplimentary 30-day (1,500 kilometre) limited warrantyComplimentary 90-day warrantyComplimentary 90-day/10,000-kilometre warranty.
Legal provincesBritish Columbia, Alberta, Saskatchewan, Manitoba and Ontario for financing and British Columbia, Ontario and Alberta for car buyingOntario, BC, Nova Scotia, Alberta for financing and Alberta, British Columbia, New Brunswick, Nova Scotia, Ontario and Prince Edward Island for car buyingOntario only (GTA specifically)
Eligibility requirements
  • Be a Canadian resident and of the age of majority in your province
  • Have a valid Canadian mailing address and an active bank account.
  • Have a valid driver’s licence.
  • Have a steady income of at least $1,600/month.
  • Be a Canadian resident and at least 19 years old.
  • Have a valid Canadian mailing address and an active bank account.
  • Have a valid driver’s licence.
  • Have a steady income to make loan repayments (no minimum income threshold is listed online).
  • Be a Canadian resident and at least 19 years old.
  • Have a valid Canadian mailing address and an active bank account.
  • Have a valid driver’s licence.
  • Have a steady income to make loan repayments (no minimum income threshold is listed online).
Accepts trade-insYesYesYes
No down payment requiredYesYesYes
Cross-province purchasesNoOnly between Alberta and BC and between Ontario and Nova Scotia.No
Negotiable pricesNoNoNot disclosed on its website.
Contactless deliveryYesYesYes
Turnaround timeLess than 24 hours
Less than 24 hoursLess than 24 hours

Canada Drives vs Clutch vs CarDoor: Who is the best?

When you’re shopping for a car and the financing to make your purchase, there are crucial factors you’ll want to zero in on. Here’s how these online dealers stack up:

Best for inventory: Clutch

  • Hundreds of vehicles. All 3 online dealers offer hundreds of vehicle options to choose from, with a wide breadth of makes and models. But Clutch has the widest reach in Canada, with inventory in Alberta, British Columbia, New Brunswick, Nova Scotia, Ontario and Prince Edward Island, vs. Canada Drives, who has inventory in British Columbia, Ontario and Alberta, and CarDoor, who has inventory in Ontario only. With the exception of BC, Clutch has more inventory in the provinces that Canada Drives also services (as of January 2022).
  • Detailed inspection process and vehicle history records. Count on Clutch to provide you with everything you need to know about the pre-owned car you’re eyeing. Its pre-owned cars go through a 210-point safety inspection and come with a free CARFAX vehicle history report.

Best for trial period (and exchanges): CarDoor

  • Up to 14 days to test drive your vehicle. CarDoor offers the lengthiest trial period at 14 days (up to 750 kilometres) compared to Clutch (10 days/750 kilometres) and Canada Drives (7 days/500 kilometres). All 3 dealers say you can receive a full refund within the allotted time frame, no questions asked, as long as the vehicle is in the same condition.
  • Up to 60 days to make an exchange. CarDoor is generous with its exchange policy too, providing a 60-day window (you must not exceed 5,000 kilometres) to make an exchange. Canada Drives allows exchanges within the 7-day return window. Clutch allows exchanges within the 10-day “Test Own” period.

Best for warranty options: CarDoor and Clutch

  • Complimentary 60-day warranty. Both dealers offer free 90-day warranties that cover defects in materials or workmanship for many parts of the car, but excludes wear items like brakes and tires. CarDoor notes its warranty covers up to 10,000 kilometres. Canada Drives provides a 30-day/1,500 kilometre warranty.
  • Option to purchase warranties through the dealer. All 3 dealers provide buyers with the option to buy in-house warranties.

Best for coverage across Canada: Clutch

  • Wider reach across Canada. Hands down, Clutch has the most coverage across Canada, servicing Alberta, British Columbia, New Brunswick, Nova Scotia, Ontario and Prince Edward Island. Presently, CarDoor is only in Ontario and Canada Drives‘ fully online experience is available in Alberta, BC and Ontario.
  • Cross-province purchases. Clutch is also the only dealer that allows cross-province shipping, but only between BC and Alberta and between Ontario and Nova Scotia.

Best for financing options: Canada Drives

  • Range of financing options available. With Canada Drives, choose between new car loans, used car loans, bad credit car loans (including no credit, poor credit and bankruptcy).
  • Low starting APR rates. APR rates for Canada Drives start at 0% for new vehicles and 2.99% for pre-owned vehicles. Clutch says its APR rates start at 3.9% to while CarDoor‘s interest rates start at 4%.
  • Flexible terms. All 3 dealers offer trade-ins and no down payment. Clutch has the most flexible loan terms, offering 12-96 months. Canada Drives offers loan terms up to 84 months, while CarDoor offers 24-84 months.

Compare car loans

Name Product Loan Amount Interest Rate Loan Term Min. Credit Score Requirements Table description
CarsFast Car Loans
$500 - $75,000
4.90% - 29.90%
12 - 96 months
300
Min. income of $2,000 /month, 3+ months employed
Get a new or used vehicle delivered to your door.
Browse thousands of vehicles from dealers across Canada and get matched with financing that meets your needs.
Loans Canada Car Loans
$500 - $35,000
0% - 29.99%
3 - 96 months
300
Min. income of $1,800 /month, 3+ months employed
Compare rates from multiple lenders.
Complete a single application to get quotes from different lenders. Bad credit, CERB and EI borrowers considered.
AutoLoanProviders
$7,500 - $85,000
3.99% - 29.99%
12 - 96 months
300
Min. income of $1,800 /month, 1+ months employed
Available in Ontario only.
Apply online and get your new vehicle delivered to your door anywhere in Ontario free of charge. All credit scores considered.
Coast Capital Car Loan
$10,000 - No Max.
Varies
18 - 84 months
650
Able to service debt payment of $300/month
Competitive rates and flexible terms.
Finance new and used vehicles from one of Canada's largest credit unions. No credit union membership required. Available across Canada except SK, QC, NT, NU, YT.
Splash Auto Finance
$10,000 - $50,000
9.90% - 29.90%
24 - 84 months
300
Min. income of $2,200 /month, 3+ months employed
Apply with any credit score.
Get financing for a new or used car. Auto loans for borrowers with fair credit, bad credit, no credit or bankruptcy.
goPeer Car Loan
$1,000 - $25,000
8.00% - 31.00%
36 - 60 months
600
Min. income of $40,000 /year
P2P platform with competitive rates.
Canada's first regulated consumer peer-to-peer lending platform that connects creditworthy Canadians looking for a loan with Canadians looking to invest.
Carloans411 Car Loans
$500 - $50,000
1.90% - 19.99%
Up to 72 months
300
Min. income of $1,600 /month, 3+ months employed
High application approval rate.
Get connected with suitable lenders to finance your next car, van or truck. Check eligibility for this loan through LoanConnect.
Canada Auto Finance
$500 - $45,000
4.90% - 29.95%
3 - 96 months
300
Min. income of $1,500 /month, 3+ months employed
Get financing from partnered local lenders.
Financing for a new or used car is available for borrowers with bad credit, no credit, CERB, EI or bankruptcy.
LoanConnect Car Loans
$500 - $50,000
9.90% - 46.96%
3 - 120 months
550
No min. income requirement
Pre-approval in as little as 60 seconds.
Get access to 25+ lenders through this brokerage. Get your funds in as little as 24 hours.
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Compare up to 4 providers

How does online car shopping work?

Online car dealers are making it easier to do your vehicle shopping and financing from wherever you have an Internet connection. Here’s how:

  • Choose from a variety of new and pre-owned vehicles via online platforms. Look through inventory listings, each with a virtual 360-degree walk around, key features and a CARFAX vehicle history report.
  • Apply for vehicle financing if you need an auto loan. Online dealers provide a one-stop shop, so you can apply for a car loan to make your purchase.
  • Make your purchase and have it delivered straight to your home. Select a delivery date and your online lender will bring the car to your front door for a “test own” period.

How to shop for a car online

How do I qualify?

Eligibility criteria vary between each online dealer, but as a baseline, you’ll need to meet the following requirements:

  • Be a Canadian resident, of the age of majority in your province.
  • Have a valid driver’s licence.
  • Have a steady income to make loan repayments.
  • Have an active bank account.

What documents do I need to apply?

When your vehicle is delivered to your home, you’ll need to provide the following:

  • A void cheque or direct deposit form for the bank account you want your payments to come from.
  • A copy of your new insurance, in effect upon receiving your vehicle.
  • A valid driver’s licence.

Frequently asked questions

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