Must read: Compare bad credit car loans
15 Car Loans in Ontario for Competitive Offers
Need a car loan for a new or used car? Start by comparing these popular options.
For many Ontarians, a car is a necessity. And if you’re shopping for a new set of wheels, there’s a good chance you’ll also need to start comparing car loans.
Our guide below explains how car loans in Ontario work, the key features to focus on and the eligibility criteria you’ll need to consider for a successful application. But before that, let’s take a look at Ontario car loans from 15 providers.
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To make comparing even easier, we came up with the Finder Score. Interest rates, fees and features across 20+ car loans are all weighted and scaled to produce a score out of 10. The higher the score the better the loan—simple.
Learn more about car loans in Ontario
1. Loans Canada
- How they help: Loans Canada is an online loan search platform with the nation’s largest lender network. You can submit one application and then compare offers from multiple lenders. Borrowers with good credit and poor credit are welcome.
- APR: 0% - 35.00%.
- Loan term: 3-60 months
- Serviced areas in Ontario: All
- Eligibility requirements: Must have stable employment and earn at least $1,800 monthly income
- Accepts bad credit: Yes
What do people have to say about Loans Canada?
Customers who praise Loans Canada mention the user-friendly application and loan comparison process. Some negative reviewers seem to refer to scammers impersonating Loans Canada to try and get customers’ sensitive personal and financial information — a scam that is mentioned in an alert on the Better Business Bureau website.
| Site | Rating |
|---|---|
| Better Business Bureau reviews and rating | 1/5 stars based on 1 review, A+ rating |
| Trustpilot reviews | 2.3/5 stars based on 7 reviews |
| Google reviews | 4.4/5 stars based on 253 Google reviews |
Reviews verified as of September 25, 2025.
2. CarsFast
- How they help: CarsFast offers an online platform where you can compare car loans and rates from multiple lenders. It works with a network of dealers across Canada to help you find the loan you need, and specializes in auto loans for borrowers with bad credit and limited credit histories.
- APR: 3.90% - 29.90%
- Loan term: 12 - 96 months
- Serviced areas in Ontario: All
- Eligibility requirements: Must have steady employment and a gross income of over $2,000/month
- Accepts bad credit: Yes
What do people have to say about CarsFast?
There are limited online reviews for CarsFast. However, its website is owned and operated by Consumer Genius, which has received mostly positive reviews on Trustpilot. Most reviewers state they received good, prompt customer service, but some customers say there are hidden terms, so be sure you read any agreement from CarsFast before signing it.
| Site | Rating |
|---|---|
| Better Business Bureau reviews and rating | N/A |
| Trustpilot reviews | 3.5/5 stars based on 21 reviews (for Consumer Genius, which owns CarsFast) |
| Google reviews | N/A |
Reviews verified as of September 25, 2025.
3. Approval Genie
- How they help: Approval Genie allows you to apply for car loans online or at its locations around Ontario and Quebec. The company says it offers loans for borrowers with good, bad or no credit, including people who have been rejected by other dealerships.
- APR: 3.90% - 29.90%
- Loan term: 12 - 84 months
- Serviced areas in Ontario: Dealerships in Mississauga, Scarborough, Ottawa, Kingston, Hamilton and Whitby
- Eligibility requirements: Min. income of $2,000 /month, 3+ months employed, Ontario only
- Accepts bad credit: Yes
What do people have to say about Approval Genie?
Approval Genie has an impressive number of five-star reviews, with happy customers commonly praising the company’s friendly customer service and willingness to work with bad-credit borrowers. Some negative reviewers complain about pushy sales tactics.
| Site | Rating |
|---|---|
| Better Business Bureau reviews and rating | 1.9/5 stars based on 9 reviews, F rating |
| Trustpilot reviews | 4.7/5 stars based on 4,893 reviews |
| Google reviews | 4.7/5 stars based on 603 reviews (for the head office location) |
Reviews verified as of September 25, 2025.
4. Dealerhop
- How they help: Dealerhop is an online marketplace that can help you purchase, finance and sell vehicles by connecting you with a fulfillment partner who works with you to find the right vehicle and car loan. It’s a free service that accepts bad credit applicants and offers vehicle delivery after purchase.
- APR: 6.99% - 35.00%
- Loan term: 12 - 96 months
- Serviced areas in Ontario: All
- Eligibility requirements: Minimum credit score of 300, must have a minimum income of $3,000/month with 3+ months
of employment - Accepts bad credit: Yes
What do people have to say about Dealerhop?
There are very few reviews available online for Dealerhop, so unfortunately, we can’t learn about what kind of experiences customers have had with the company.
| Site | Rating |
|---|---|
| Better Business Bureau reviews and rating | N/A |
| Trustpilot reviews | 3.8/5 stars based on 2 reviews |
| Google reviews | N/A |
Reviews verified as of September 25, 2025.
5. CarDoor
- How they help: CarDoor is an online vehicle buying platform where you can shop an inventory of hundreds of used cars, click through over 20 pictures of any vehicle and apply for a car loan completely online. After your purchase, your car will be delivered to your home, where you’ll have a 7-day money back guarantee period to test drive the vehicle for up to 300 km.
- APR: Undisclosed
- Loan term: 48 - 96 months
- Serviced areas in Ontario: The primary service area is within a 300km radius of Toronto, but you can speak with a CarDoor Service Concierge to see if they can accommodate a delivery elsewhere in Ontario
- Eligibility requirements: Minimum credit score of 500, 3+ months employed, Max.1 bankruptcy, Ontario only
- Accepts bad credit: Yes
What do people have to say about CarDoor?
CarDoor has generally positive reviews on Google, with customers praising the convenient car-buying process, along with the company’s friendly, responsive and helpful customer service. There are very few negative customer reviews, though some reported problems with the vehicles they received, such as the check engine light appearing.
| Site | Rating |
|---|---|
| Better Business Bureau reviews and rating | 1/5 stars based on 2 reviews, F rating |
| Trustpilot reviews | 3.2/5 based on 1 review |
| Google reviews | 4.7/5 stars based on 449 reviews |
Reviews verified as of September 25, 2025.
6. Clutch
- How they help: Clutch is a car buying and financing platform that operates in Ontario, Nova Scotia, New Brunswick, PEI and British Columbia. It allows you to apply for financing, shop for a vehicle and then have that car delivered to your door so you can test drive it for 10 days/750km.
- APR: From 8.99%
- Loan term: 24 - 96 months
- Serviced areas in Ontario: All. Location in Etobicoke if you want to pick up your new car in person
- Eligibility requirements: Minimum credit score of 580, must have been employed for at least three months, maximum of one bankruptcy
- Accepts bad credit: Yes
What do people have to say about Clutch?
With over 7,000 Google reviews, Clutch has received plenty of positive customer feedback. Many reviewers praise Clutch for its easy, no-fuss purchase process and home delivery. There are limited negative reviews expressing concerns about hidden fees.
| Site | Rating |
|---|---|
| Better Business Bureau reviews and rating | 4.73/5 stars based on 441 reviews, B rating |
| Trustpilot reviews | 4.3/5 stars based on 411 reviews |
| Google reviews | 4.8/5 stars based on 7,800+ reviews (Mississauga location) |
Reviews verified as of September 25, 2025.
7. Canada Auto Finance
- How they help: Canada Auto Finance specializes in car loans for people at all credit levels. You can apply online with $0 down payment and no co-signer, and you’ll be matched with a loan from a dealer near you.
- APR: 4.90% - 29.95%
- Loan term: 3 - 96 months
- Serviced areas in Ontario: All
- Eligibility requirements: Must have income of at least $1,500 monthly. All bankruptcies must be discharged
- Accepts bad credit: Yes
What do people have to say about Canada Auto Finance?
There are limited reviews for Canada Auto Finance available online. The company has a customer rating of 4/5 stars on Finder, with customers generally appreciating the expediency of the financing process. On the other hand, some customers mentioned that interest rates were relatively high.
| Site | Rating |
|---|---|
| Better Business Bureau reviews and rating | N/A |
| Trustpilot reviews | N/A |
| Google reviews | N/A |
Reviews verified as of September 25, 2025.
8. Driving With Steve
- How they help: Driving With Steve helps borrowers at all credit levels connect with auto lenders around the country. It’s easy to apply online, and you’ll need a stable source of income to qualify for a loan.
- APR: Varies
- Loan term: Not disclosed
- Serviced areas in Ontario: All
- Eligibility requirements: Must have a steady source of income and be at least 18 years old
- Accepts bad credit: Yes
What do people have to say about Driving With Steve?
Driving With Steve has an average score of 3.8/5 from 62 reviews on Finder. Positive reviews praise Driving With Steve’s quick and easy application process and helpful customer service, but some negative reviewers complain about high costs.
| Site | Rating |
|---|---|
| Better Business Bureau reviews and rating | N/A |
| Trustpilot reviews | 3.9/5 stars based on 159 reviews |
| Google reviews | N/A |
Reviews verified as of September 25, 2025.
9. Autoloans.ca
- How they help: Autoloans.ca specializes in loans for borrowers with bad or no credit. You can apply online and get approved 24/7, browse an inventory of over 5,000 vehicles, and have the car you buy delivered to you anywhere in Ontario.
- APR: Not disclosed
- Loan term: Not disclosed
- Serviced areas in Ontario: All
- Eligibility requirements: Must have a steady source of income
- Accepts bad credit: Yes
What do people have to say about Autoloans.ca?
Many reviewers praise Autoloans.ca for providing friendly customer service to help them find the right financing and vehicle. However, it’s also worth mentioning that at the time of writing, the Better Business Bureau had issued an alert for Autoloans.ca after being unable to contact the company via mail or telephone.
| Site | Rating |
|---|---|
| Better Business Bureau reviews and rating | 1/5 stars based on 4 reviews, F |
| Trustindex reviews | 4.8/5 stars based on 1,426 reviews |
| Google reviews | 4.8/5 stars based on 1,385 reviews |
Reviews verified as of September 25, 2025.
10. LoanConnect
- How they help: LoanConnect is a Canadian loan comparison platform that connects borrowers with a network of over 30 verified lenders. Fill out one application online and get matched with lenders who are willing to finance your auto loan.
- APR: From 8.99%
- Loan term: 72 - 84 months
- Serviced areas in Ontario: All
- Eligibility requirements: Be the age of majority in your province, a Canadian citizen or resident and have a valid bank account.
- Accepts bad credit: Yes
What do people have to say about LoanConnect?
Customers have praised LoanConnect for its efficient customer service and user-friendly platform. However, some users have complained about the high interest rates and fees they were offered from lenders in LoanConnect’s network.
| Site | Rating |
|---|---|
| Better Business Bureau reviews and rating | 4.67/5 based on 3 reviews, A+ rating |
| Trustpilot reviews | 3.8/5 stars based on 2 reviews |
| Google reviews | 2.5/5 stars based on 42 reviews |
Reviews verified as of September 25, 2025.
11. Approval Team
- How they help: Approval Team accepts all credit scores for Ontario car loans. You can apply online and receive a decision within 48 hours, and borrowers with past bankruptcies or who are new arrivals to Canada are also welcome to apply.
- APR: From 6.46%
- Loan term: Not disclosed
- Serviced areas in Ontario: All
- Eligibility requirements: Must earn at least $1,800 monthly income and be insurable
- Accepts bad credit: Yes
What do people have to say about Approval Team?
Happy customers praise Approval Team for fast approvals and friendly customer service, while there are occasional complaints about high borrowing costs.
| Site | Rating |
|---|---|
| Better Business Bureau reviews and rating | 1/5 stars based on 1 review, B+ rating |
| Trustpilot reviews | 3.2/5 stars based on 4 reviews |
| Google reviews | 4.5/5 stars based on 1,022 reviews |
Reviews verified as of September 25, 2025.
12. Get Approved Canada
- How they help: Based in Ottawa, Ontario, Get Approved Canada offers car financing regardless of your credit history. It’s partnered with more than 23 lenders.
- APR: From 0%
- Loan term: Not disclosed
- Serviced areas in Ontario: All
- Eligibility requirements: Must have a steady source of income
- Accepts bad credit: Yes
What do people have to say about Get Approved Canada?
Get Approved Canada’s reviews are primarily positive on Google, with customers saying they received excellent service and loan terms. The company responds to most negative reviews as well with a solution or clarification.
| Site | Rating |
|---|---|
| Better Business Bureau reviews and rating | 0 reviews, B- rating |
| Trustpilot reviews | N/A |
| Google reviews | 4.7/5 stars based on 126 reviews |
Reviews verified as of September 25, 2025.
13. Car Loan Masters
- How they help: Car Loan Masters is a subprime auto lender that offers bad credit car loans in Ontario from a network of over 50 lenders. You can apply online and get approved within 20 minutes, then shop for a vehicle online and have it delivered to your door.
- APR: 4.99% - 29.50%
- Loan term: Not disclosed
- Serviced areas in Ontario: All, but specializes in the Greater Toronto Area and surrounding areas
- Eligibility requirements: Must have minimum monthly income of $1,400
- Accepts bad credit: Yes
What do people have to say about Car Loan Masters?
Customer reviews for Car Loan Masters are largely positive, with borrowers typically mentioning a smooth and seamless financing process.
| Site | Rating |
|---|---|
| Better Business Bureau reviews and rating | 0 reviews, A rating |
| TrustAnalytica reviews | 5/5 stars based on 99 reviews |
| Google reviews | 4.8/5 stars based on 209 reviews |
Reviews verified as of September 25, 2025.
14. CarLoans411
- How they help: CarLoans411 connects borrowers with a network of dealerships across Canada that are willing to offer financing. They specialize in offering borrowers with bad or no credit tailored loan solutions.
- APR: Undisclosed
- Loan term: Up to 84 months
- Serviced areas in Ontario: All of Ontario
- Eligibility requirements: Be employed for at least 3 months and earn a minimum income of $1,600 per month.
- Accepts bad credit: Yes
What do people have to say about CarLoans411?
Although CarLoans411 has minimal reviews, they’re mostly positive with customers saying they had a good experience with customer service and received their car loan within 48 hours. A few reviews mention not receiving a reply to their loan application.
| Site | Rating |
|---|---|
| Better Business Bureau reviews and rating | N/A |
| Trustpilot reviews | N/A |
| Google reviews | 3.8/5 stars based on 19 reviews |
Reviews verified as of September 25, 2025.
15. 401 Auto Financing
- How they help: 401 Auto Financing is a dealer offering in-house car loans for individuals with any credit history, including those who have claimed bankruptcy. You can apply online in less than 2 minutes and have your new vehicle in under 24 hours.
- APR: 4.00% - 30.00%
- Loan term: 12 - 96 months
- Serviced areas in Ontario: Dealerships in Cambridge, Barrie, London, Ingersoll, Peterborough, Hamilton, Ottawa, Sudbury, Kitchener and Windsor
- Eligibility requirements: Earn at last $1,800 per month before deductions and be a Canadian citizen or resident
- Accepts bad credit: Yes
What do people have to say about 401 Auto Financing?
Customer reviews for 401 Auto Financing are generally positive on Google, with many praising the simple application process and responsive customer service. However, most reviews on Trustpilot are negative, with many borrowers saying they had issues with their vehicles that weren’t covered by warranty.
| Site | Rating |
|---|---|
| Better Business Bureau reviews and rating | N/A |
| Trustpilot reviews | 2.1/5 stars based on 20 reviews |
| Google reviews | 4.6/5 stars basd on over 1,700 reviews (Cambridge location) |
Reviews verified as of September 25, 2025.
Canadians care about cost the most when car loan shopping
According to the Finder: Consumer Sentiment Survey January 2024, these are the three factors that matter most to Canadians when applying for a car loan, and they are all related to cost:
- Interest rate (61%)
- Monthly payment (58%)
- Fees (38.52%)
Where can I get car loans in Ontario?
If you need vehicle financing to help you with your purchase, you have a few options to choose from:
- Dealership financing. While you’re test-driving cars at the dealership, you can seek financing there as well. Your dealer will send your details to multiple lenders to see which ones will approve your loan application.
- A bank or credit union. Another option is to pre-qualify for a car loan before you go to the dealership. In this case, you’ll apply directly to a bank or credit union of your choice. Popular banks in Canada offering car loans in Ontario include Scotiabank, RBC, CIBC and TD Canada Trust.
- An online lender. There’s a wide range of online lenders to choose from, and they often have more lenient eligibility requirements compared to traditional lenders.
- An online broker. Online car loan brokers could be an ideal option if you have bad credit. By filling out one simple application, you can compare car loan offers from multiple lenders who want to finance your purchase.
Can you get bad credit car loans in Ontario?
If your credit score is between 300 and 600, you’ll likely need a bad credit car loan in Ontario.
In general, bad credit car loans come with higher interest rates and fees since there’s more risk for the lender. So it’s important to compare your options before committing to a loan to ensure you’re getting the best rates for your financial situation.
What is the average rate for a bad credit car loan in Ontario?
Interest rates on bad credit car loans in Ontario typically range from 12.9% to 29.99%. The financing interest rate you’re approved for will depend on key financial factors like your credit history, income and each lender’s specific eligibility criteria.
Steps to get car loans for bad credit in Ontario
If you have bad credit, follow these steps to improve your chances of securing a car loan in Ontario:
- Check your credit. Check your credit report with the credit bureaus to make sure your credit history is accurate and to find out your credit score. If you notice inaccuracies, report the errors and make sure they’re removed before you apply.
- Focus on bad credit lenders. Steer away from traditional lenders that require a high credit score, and instead zero in on lenders that accept your credit score. With so many bad credit lenders available, decide on which features are most important to you. These could be speed, loan amounts, interest rate and flexibility with repayments.
- Check whether you could improve your application. If you have a trade-in or down payment to apply to your bad credit car loan in Ontario, it could help your chances of approval because you’ll require less funding. If you’re willing to include a cosigner, you’ll increase your odds of approval, too.
- Pick a lender and complete the application. You can apply by providing your personal details and employment and income information. You’ll need to use your driver’s licence as proof of ID, while the lender may ask for copies of your pay stubs or bank statements to confirm your salary. It’s worth pre-qualifying before car shopping so you know you have the financing in hand.
Car loan calculator in Ontario
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How to compare car loans in Ontario
With so many options available, here’s how to compare options to find the best car loan for you:
- Eligibility requirements. Check the lender’s credit score or income requirements to determine what you need to qualify for a loan. Also, check whether there are any vehicles the lender won’t finance, such as used cars over a certain age.
- Loan amount. Most lenders set limits on how much you can borrow — typically between $5,000 and $100,000.
- Interest rate. Because the interest rate makes up the majority of a loan’s cost, consider what interest rate each lender offers.
- Fixed vs variable rates. If it’s important to you to secure either a fixed or variable interest rate, check whether your lender offers the option you want. Make sure you understand the pros and cons of each option, too.
- Fees. Beyond interest, lenders may also charge origination fees, prepayment penalties and other administrative charges. Check the fine print for the full details.
- Loan term. Most car loans have a repayment period of 6 to 96 months. Ensure your lender provides you with flexibility on loan terms.
- Trade-ins and down payments. If you have a car you’d like to trade in to contribute towards your new purchase, or you have a lump-sum down payment, check that your lender facilitates both options.
Are interest rates for car loans in Ontario different from other provinces?
No, interest rates for car loans in Ontario aren’t different from other provinces. According to data from the Bank of Canada, the average car loan interest rate around the country is 6.68%.
Ultimately, lenders need to assess how much of a risk it may be to lend you money. Instead of focusing on which province you live in, these are key factors that determine your interest rate:
- Your credit score. Your lender will pull your credit report to make sure that you don’t have a history of defaulting on loans. You typically need to have a score of 660 or higher to secure a competitive interest rate.
- Your income and employment. Lenders will ask you about your monthly gross income to make sure you can keep up with payments. They’ll also check if you’re employed full-time, part-time or self-employed, or if you’re relying on a pension or government benefits. They’ll also take into account how long you’ve been in your current job.
- Your debt-to-income ratio. Your lender will want to make sure there’s a good balance between your monthly debts and monthly income, which is why they look at your debt-to-income ratio.
- Loan terms. How much you need to borrow and how long you’ll take to repay your loan will affect your rate, too.
- The vehicle you’re buying. New or pre-owned, economical or high-end, lenders take stock of what you’re buying and its value. Used cars typically come with higher interest rates.
Related: 0% financing deals in Ontario
How much do car loans in Ontario cost?
The total cost of your loan will vary depending on the interest rate and loan term that apply. To give you an idea of the costs involved, let’s look at an example of a $25,000 loan over a three, five or seven-year term. As you can see in the table below, while a longer loan term means a more manageable monthly payment amount, it also results in you paying a whole lot more interest over the life of the loan.
| Loan amount | Loan term | APR | Monthly payment | Total cost |
|---|---|---|---|---|
| $25,000 | 3 years | 7.99% | $784 | $28,199 |
| $25,000 | 5 years | 7.99% | $507 | $30,408 |
| $25,000 | 7 years | 7.99% | $390 | $32,721 |
| $25,000 | 3 years | 15.99% | $879 | $31,637 |
| $25,000 | 5 years | 15.99% | $608 | $36,470 |
| $25,000 | 7 years | 15.99% | $497 | $41,699 |
Vehicles you can finance in Ontario
- New and used cars. Get approved for a loan to buy a brand new or pre-owned car, truck, SUV or minivan. Whether you’re buying old or new, from a dealership, online or a private seller, you should have a wide range of makes and models from dozens of manufacturers. Learn more about new and used car specials.
- RV, marine and powersport vehicle loans. Get approved for a loan to buy everything from camper vans to snowmobiles, motorcycles, powerboats and cabin cruisers.
What are the limits on used car loans in Ontario?
If you’re buying a used car, check that the vehicle’s age isn’t beyond the maximum your lender permits. The typical range is about 7 to 10 years old, at maximum. Here’s a look at how various lenders compare:
| Loan Provider | Max. age of car |
|---|---|
| Car Loans Canada | 7 years old |
| National Bank of Canada | 8 years old |
| LoanConnect Car Loans | Varies by lender |
| TD Bank | 8 years old |
| Scotiabank | 7 years old |
| RBC | 10 years old |
Dive deeper: Compare used car financing
How to apply for a car loan in Ontario
The car loan application process can vary wildly depending on the type of financing you choose. Getting financing from a dealership doesn’t involve most of the steps outlined below, for example. Instead, you start at the dealership.
1. Compare lenders.
Choose from banks, credit unions, online lenders or dealership financing. A lot of your decision-making may come down to which lender provides you with the best chance of approval at the most competitive rate.
2. Apply for car loan pre-approval from lenders.
When you’re pre-approved for a car loan, it means they’ve qualified you in advance for an auto loan based on a light review of your finances. Book an appointment at your local bank branch, fill out a digital application with an online lender or visit your local dealership to figure out how much you can qualify for. Compare the offers you have to find the best deal.
3. Choose your car loan.
Decide on the loan offer you want to proceed with. To complete your application, your lender will ask to see documents to verify your income, insurance and ID.
4. Read your loan agreement before signing.
Read your loan contract carefully. Note any charges you may incur for late or missed payments, any refinancing changes, and if there’s an option to make lump-sum payments ahead of schedule.
5. Buy your car.
With your loan finalized, you should receive the funds to buy your car within a few business days at most. Create a repayment plan and make sure you stick to your loan’s terms and conditions.
Required documents to get a car loan in Ontario
Most lenders ask to see at least three documents when you apply for a car loan:
- Your driver’s licence. Your lender might ask to see your licence or require your licence number. Either way, have it on hand.
- Your insurance card. Most lenders require you to have car insurance before applying for a loan.
- Employment verification. You might be asked to submit tax returns, bank statements or recent pay stubs to prove you make enough to afford your car loan.
Other ways to finance a car in Ontario
There are a few other options to consider when looking for ways to finance a car:
- Personal loans. Instead of a car loan, you can apply for a personal loan that you can use for any legitimate purpose, including buying a car. Learn more about personal loans in Ontario.
- Home equity loans. Borrowing against the amount you own in your home could be a cheaper way to fund a car loan, though you risk losing your home if you default.
- Line of credit. A line of credit gives you flexible repayments. You’re approved for a limit, and you can borrow as much as you need to, up to that limit.
Bottom line
You’re spoiled for choice when comparing car financing options in Ontario. If you want to get the best APR and loan terms, you’ll need to have an excellent credit score, a sufficient income and a vehicle that’s viewed favourably by lenders. But don’t be discouraged if your financial situation isn’t in great shape — you can also find bad credit car loans in Ontario.
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