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Driving With Steve review

Driving With Steve connects you with lenders offering vehicle financing, regardless of your credit situation.

To be eligible, you must be a Canadian resident with a valid Canadian address, be the age of majority in your province and have a valid source of income. 

Please note: All information about Driving With Steve car loans has been collected independently by Finder and this product is not available through this site.

If you’re shopping for a car, you can apply to online broker Driving With Steve. Driving With Steve will match you with local dealers that can provide financing and will only show you vehicles you’re pre-approved for.

30-second take

  • Think of using Driving With Steve if you’re car shopping with less-than-perfect credit. This online broker offers financing options for any credit situation.
  • Pick something else if you’re looking for a private loan to make your auto purchase.

Expert review

With a quick online application, Driving With Steve lets you compare the rates and vehicles on offer from various dealers. You’ll then connect with your dealer of choice to proceed with the auto financing application.

This broker will only show you offers from partnered dealers, so you might not get a wide breadth of financing options to choose from. If your credit is in great shape, it may be worthwhile applying directly to a bank, credit union or dealership instead of using Driving With Steve. It says APRs are as high as 29.99%.

Do I qualify?

To apply, you need to meet the following criteria:

  • Be the age of majority in your province with a valid driver’s licence.
  • Be a Canadian resident with a valid Canadian address and bank account.
  • Have a steady form of income.

What provinces and territories is Driving With Steve available in?

Driving With Steve is partnered with a “large network” of certified dealers across Canada, but the number of dealers available to you will vary according to the region you live in. It may not have partners in remote areas, for example, but most major cities will be covered.

What types of car loans does Driving With Steve offer?

  • New and pre-owned car loans. Get approved for a loan to buy a brand new or pre-owned car, truck, SUV or minivan from dealers across Canada.
  • Bad credit car loans. Driving With Steve emphasizes that you can still apply for financing and get approved for a loan even if your credit isn’t in the best shape or you’ve filed for bankruptcy.
  • Trade-ins. Driving With Steve asks if you have a vehicle to trade in to contribute to the purchase of your new car.

Compare other 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
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
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.
$7,500 - $85,000
3.99% - 29.99%
12 - 96 months
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.
18 - 84 months
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
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
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
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
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
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.

Compare up to 4 providers

What are the benefits of Driving With Steve car loans?

Using Driving With Steve comes with a string of perks, including the following:

  • Easy, secure online application. Simply fill out an application online and you’ll receive quotes from dealers that have pre-approved you for financing.
  • Bad credit doesn’t matter. Driving With Steve says the state of your credit score won’t matter as much if you have a stable job and a steady form of income.
  • No fees. You won’t pay any fees for applying via Driving With Steve and you don’t have to accept any offers.
  • No need to visit the dealership to apply. Instead of car shopping only to be turned down for financing, Driving With Steve connects you with dealers that can finance your auto loan and shows you vehicles you’ve already pre-qualified for.

What to watch out for

Because Driving With Steve isn’t a direct lender, there are some caveats you need to pay attention to, including the following:

  • Steep interest rates for bad credit. While you may be able to secure auto financing with bad credit or no credit at all, this will come at a premium. APRs are as high as 29.99%.
  • Potential for additional fees. You may encounter additional fees and extra costs as you go through the loans process with your dealer. Watch out for these charges because they can drive up the cost of your loan.
  • Only some lenders showcased. You’ll only get quotes from dealers partnered with Driving With Steve. It’s worth requesting quotes from a few options to make sure you’re getting the lowest rates.

Is Driving With Steve legitimate?

It is. Driving With Steve is a legally registered business in BC and can be found in the OrgBook BC database. It’s owned by Dealer Media Inc., also headquartered in BC, which is a company specializing in helping car dealers sell more vehicles via digital marketing.

Driving With Steve is active on social media, especially LinkedIn and Facebook, and provides round-the-clock support via email.

How do I apply for a Driving With Steve car loan?

To apply for a loan, head to the Driving With Steve website and follow these prompts:

  1. Choose the vehicle type you’d like to purchase (car, truck, SUV or van).
  2. Estimate your credit rating (good, fair, poor, bankrupt or not sure).
  3. Identify your monthly budget for an auto loan. Indicate if you have a trade-in.
  4. Provide your employment details, including your gross monthly income, company name and job title.
  5. Provide your mailing address, length of residency and monthly rent/mortgage payments.
  6. Provide your email and phone number.
  7. After submitting, Driving With Steve will contact you to narrow down your options.

I got a Driving With Steve car loan. Now what?

Make sure you stick to the repayment terms outlined in your contract. If you have bad credit or no credit at all, this is a great opportunity to rebuild your credit and show your trustworthiness to lenders. You’ll also avoid late fees or penalties if you make payments on time.

You may be eligible to pay off your loan early without any penalties or refinance your loan if needed. Discuss these options with your lender before agreeing to your loan if these are important features for you.

Frequently asked questions

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