{"id":992241,"date":"2018-07-11T00:50:50","date_gmt":"2018-07-11T04:50:50","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?page_id=992241"},"modified":"2026-05-06T10:47:50","modified_gmt":"2026-05-06T14:47:50","slug":"car-loans","status":"publish","type":"page","link":"https:\/\/www.finder.com\/ca\/car-loans","title":{"rendered":"Car loans in Canada: Auto financing for new and used vehicles"},"content":{"rendered":"<p dir=\"ltr\"><\/p><div class=\"keyTakeaways\">\n  <div class=\"keyTakeaways__header\">\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"21\" viewbox=\"0 0 314.16 201.03\" fill=\"none\">\n  <path d=\"M212.32,190.62c-19.66,0-38.8-6.44-54.42-18.24-15.63,11.79-34.77,18.24-54.42,18.24-49.84,0-90.39-40.55-90.39-90.39V9.83h199.24c49.84,0,90.39,40.55,90.39,90.39s-40.55,90.39-90.39,90.39Z\" fill=\"white\"><\/path>\n  <path d=\"M212.32,15.9c46.57,0,84.33,37.75,84.33,84.33h0c0,46.57-37.75,84.33-84.33,84.33h0c-20.75,0-39.74-7.51-54.42-19.94-14.69,12.43-33.68,19.94-54.42,19.94h0c-46.57,0-84.33-37.75-84.33-84.33V15.9h193.18M212.32,3.76H7.01v96.46c0,53.19,43.27,96.46,96.46,96.46,19.47,0,38.46-5.92,54.43-16.84,15.96,10.91,34.95,16.84,54.42,16.84,53.19,0,96.46-43.27,96.46-96.46S265.51,3.76,212.32,3.76h0Z\" fill=\"#232320\"><\/path>\n  <path d=\"M216.34,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n  <path d=\"M105.92,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n<\/svg>        <h3 data-toc=\"false\">Key takeaways<\/h3>\n  <\/div>\n\n    <ul>\n          <li><b data-path-to-node=\"0,0,0\" data-index-in-node=\"0\">Prioritize the car loan\u2019s APR over the base interest rate:<\/b> Because it includes both interest and lender fees, the annual percentage rate (APR) provides the most accurate calculation of the total cost of your loan.<\/li>\n          <li><b data-path-to-node=\"0,1,0\" data-index-in-node=\"0\">Understand how credit scores impact rates:<\/b> Borrowers with scores above 660 typically qualify for the best rates (0%\u201310%), while those with poor credit may face significantly higher interest charges and stricter loan requirements.<\/li>\n          <li><p data-path-to-node=\"0,2,0\"><b data-path-to-node=\"0,2,0\" data-index-in-node=\"0\">Optimize your loan structure for maximum savings:<\/b> You will save the most money by choosing the shortest possible loan term and providing a down payment of 10% to 20% to reduce the total interest paid over time.<\/p><\/li>\n      <\/ul>\n\n  \n  <\/div>\n<p>Want to save money on your next vehicle? Spend some time shopping around for the right lender and car loan, and you could save thousands on your next vehicle purchase.<\/p><p>To help, we\u2019ve created this guide to find a lender, assess requirements and compare rates. Or find out how much you can afford using our car loan calculator before short-listing the ideal lender and the right loan options for your needs.<\/p><h3 class=\"luna-sectionTitle\">Why compare car loans with Finder?<\/h3><div class=\"content medium\" style=\"max-width: 800px;\"><section style=\"padding-bottom: 30px; margin-bottom: 20px; margin-top: 20px; padding-top: 50px; padding: 10px;\"><div class=\"content\"><div class=\"u-grid u-grid--alignStretch\"><div class=\"u-grid__col u-1\/3@s\"><div class=\"gridExample\"><section style=\"text-align: center;\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-2490644\" title=\"Image: Flaticson\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/01\/no-fee.png\" alt=\"No fee icon\" width=\"58\" height=\"58\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/01\/no-fee.png?fit=174 174w\" sizes=\"(max-width: 174px) 100vw, 174px\" loading=\"lazy\"><h4>It\u2019s 100% free<\/h4><p>You won\u2019t be charged for clicking through to one of our car finance partners. We get paid out of their pocket \u2013 not yours.<\/p><\/section><\/div><\/div><div class=\"u-grid__col u-1\/3@s\"><div class=\"gridExample\"><section style=\"text-align: center;\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-2490625\" title=\"Image: Flaticon\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/02\/research.png\" alt=\"Papers with magnifying glass icon\" width=\"58\" height=\"58\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/02\/research.png?fit=174 174w\" sizes=\"(max-width: 174px) 100vw, 174px\" loading=\"lazy\"><h4>We\u2019re here to help<\/h4><p>We\u2019ve helped thousands of Canadians find a car loan by keeping things simple and free of complicated jargon.<\/p><\/section><\/div><\/div><div class=\"u-grid__col u-1\/3@s\"><div class=\"gridExample\"><section style=\"text-align: center;\"><img decoding=\"async\" class=\"aligncenter wp-image-2521546\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/02\/time.png\" alt=\"Clock icon\" width=\"58\" height=\"58\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/02\/time.png?fit=174 174w\" sizes=\"(max-width: 174px) 100vw, 174px\" loading=\"lazy\"><h4>It\u2019s quick and easy to use<\/h4><p>Our side-by-side car loan comparison makes it easy to find a car loan that fits your budget and needs.<\/p><\/section><\/div><\/div><\/div><\/div><\/section><\/div><h3>What is financing a car?<\/h3><p>When you finance a car, you\u2019re spreading out the cost of the vehicle over many years, so you don\u2019t have to pay so much upfront.<\/p><p>The downside to a car loan is that you\u2019re adding an ongoing expense to your budget, and since the loan will charge interest, you\u2019ll end up paying more overall. Missing car loan payments could also lead to the vehicle getting repossessed (legally taken away from you by the lender).<\/p><h3 id=\"what\">How to find the right car loan<\/h3><p>The key to finding the right car loan for you is to know your budget, compare features and costs, and shop around. To help, check out the <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/best-car-loans\">best car loans in Canada<\/a> guide, where we list the best auto financing options.<\/p><p>If you\u2019d rather do your own research, use the Finder <a href=\"#comparison-table\">car loan comparison tool<\/a> \u2014 where clicking the \u201cCompare\u201d checkbox lets you view up to four lenders\u2019 car loan options side by side so you can easily compare features and requirements.<\/p><h3 id=\"what\">What is a good interest rate on a car loan in Canada?<\/h3><p>A good car loan interest rate is the lowest rate you can negotiate for a car loan. That said, it can be hard to determine whether an offered car loan rate is good or not.<\/p><p>One way to make this assessment is to compare the car loan rate to the average interest rate for car financing in Canada. Using the average car loan interest rate lets you benchmark loan rates offered by various lenders and determine whether a lender is offering a good rate or not.<\/p><p>Currently, the average interest rate for car financing in Canada is 6.72% \u2014 which means most Canadians pay between <strong>$400 and $900 per month on a car payment<\/strong> \u2014 more if they finance an SUV or truck.<\/p><p>Keep in mind that the car loan interest rate you are offered depends on a number of factors, like your credit score, the cost of your vehicle, how much you want to borrow and for how long, among other details.<\/p><p>If you have a good or excellent credit score, you may be able to score an interest rate lower than the national average \u2013 anywhere between 0% - 7.5% depending on the make and model, while used car loan rates could range around 8% - 10%. If you have a poor credit score, your car loan rates will be higher.<\/p><p>To keep your costs low, find car financing with the lowest car loan interest rate and terms that meet your needs. Generally, the lower the interest rate and the shorter the loan term, the more money you\u2019ll save.<\/p><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/car-loans\/car-loan-interest-rates\" style=\"text-decoration:underline; font-size:0.9em;\">Car loan interest rates in Canada<\/a>\n<\/div>\n<\/article><h3 id=\"what\">Is 0% financing available in Canada?<\/h3><p>While you may come across offers from car dealerships or some online lenders promising 0% financing, remember that most zero-financing deals are difficult to qualify for unless you are considered an exceptional borrower.<\/p><p>To qualify for low-rate offers, customers typically need to have excellent credit scores, purchase specific vehicles or provide a large down payment.<\/p><p>If you\u2019re interested in finding lenders currently offering zero percent financing in Canada or want to know who is providing low-interest rates for car loans or cheap car financing, check out the Finder\u2019s guide on <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/0-car-loans\">0% financing for cars in Canada<\/a>.<\/p><h3 id=\"what\">Car loan payment calculator<\/h3><p>To help determine a reasonable financing amount, consider using a car loan calculator to get a better idea of the costs you\u2019ll be adding to your monthly budget. The total car loan amount you need to borrow is based on a few factors:<\/p><ul><li style=\"padding-bottom: 14px;\"><strong>Cost of the vehicle.<\/strong> The overall asking price of a vehicle directly impacts how much down payment is required and how much you need to borrow.<\/li><li style=\"padding-bottom: 14px;\"><strong>Down payment.<\/strong> While car financing may not require a down payment, in many cases, you\u2019ll be required to pay between 10% and 20% of the car\u2019s purchase price. This down payment must be paid out of pocket, as it signals to the lender that you are serious about buying the car and repaying the loan.<\/li><li style=\"padding-bottom: 14px;\"><strong>Your income and debt levels.<\/strong> A general rule of thumb is to spend no more than 10% to 15% of your salary on all car-related expenses. The higher your current debt load, the less you can borrow.<\/li><li style=\"padding-bottom: 14px;\"><strong>Tax.<\/strong> Don\u2019t forget to include sales tax on the car\u2019s sticker price. Depending on where you live, car sales tax can typically add 5% to 15% to the cost.<\/li><\/ul><h4 id=\"what\">Finder car loan calculator<\/h4><div class=\"monthlyRepayment_calculator_wrapper\">\n\t<div class=\"calc-header-outer\">\n\t<div class=\"calc-header-container\">\n\t\t<h3 class=\"calc-header\">Car loan calculator in Canada<\/h3>\n\t\t<span><\/span>\n\t<\/div>\n\t<\/div>\n\t<div class=\"u-grid\">\n\t\t<div class=\"u-grid__col u-grid__col u-1\/2@s calc-separator\">\n\t\t\t<table class=\"monthlyRepayment_calc-table\">\n\t\t\t\t<thead>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th scope=\"col\" class=\"calc-subheader\">\n\t\t\t\t\t\t\t<div class=\"calc-subheader-text\">Your loan<\/div>\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t<\/tr>\n\t\t\t\t<\/thead>\n\t\t\t\t<tbody>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th scope=\"col\" class=\"padding-top-small\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tLoan amount\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t<div class=\"luna-affix affix-padded\">\n\t\t\t\t\t\t\t\t<span class=\"luna-affix__label\">$<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input data-id=\"0000000000\" type=\"number\" min=\"0\" class=\"luna-input calc-input monthlyLoan_amount\" title=\"Enter the loan amount you want to borrow\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/td>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th scope=\"col\">Loan terms (in years)<\/th>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t<div class=\"luna-affix affix-padded\">\n\t\t\t\t\t\t\t\t<input data-id=\"0000000000\" type=\"number\" min=\"0\" class=\"luna-input calc-input monthlyLoan_term\" title=\"Enter the number of years of your loan\">\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/td>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th scope=\"col\">Interest rate<\/th>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t<div class=\"luna-affix affix-padded\">\n\t\t\t\t\t\t\t\t<input data-id=\"0000000000\" type=\"number\" min=\"0\" step=\"0.1\" class=\"luna-input calc-input monthlyLoan_interest\" title=\"Enter the annual interest rate of your loan\">\n\t\t\t\t\t\t\t\t<span class=\"luna-affix__label\">%<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/td>\n\t\t\t\t\t<\/tr>\n\t\t\t\t<\/tbody>\n\t\t\t<\/table>\n\t\t\t<div class=\"button_wrapper\">\n\t\t\t\t<a class=\"luna-button luna-button--primary calc-button\" data-id=\"0000000000\" data-variant=\"loanAmount\">Calculate<\/a>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<div class=\"u-grid__col u-grid__col u-1\/2@s\">\n\t\t\t<div class=\"monthlyRepayment_directions\" data-id=\"0000000000\">\n\t\t\t\t<h4 class=\"directions\">Fill out the form and click on \u201cCalculate\u201d to see your\n\t\t\t\t\t\t\t\t\t\t\t<strong>estimated monthly payment.<\/strong>\n\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t<p class=\"margin-top-small\">or<\/p>\n\t\t\t\t<a class=\"luna-button luna-button--action luna-button--large\" href=\"#comparison-table\" target=\"_self\" rel=\"noopener\">Compare car loans now<\/a>\n\t\t\t<\/div>\n\t\t\t<div class=\"savings-div monthlyRepayment_savings-div\" data-id=\"0000000000\">\n\t\t\t\t\t\t\t\t\tYou can expect to pay back\n\t\t\t\t\t<span class=\"monthlyCost_value\">\n\t\t\t\t\t\t$<span class=\"monthlyCost_cost\" data-id=\"0000000000\"><\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\tper month\n\t\t\t\t\n\t\t\t\t<h5>Based on your loan terms<\/h5>\n\t\t\t\t<table class=\"luna-table monthlyCost_breakdown\">\n\t\t\t\t\t<tbody class=\"luna-table__body\">\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t<th scope=\"row\">Principal<\/th>\n\t\t\t\t\t\t\t<td class=\"luna-table__numeric\">$<span class=\"monthlyCost_loanAmount\" data-id=\"0000000000\"><\/span>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t<th scope=\"row\">Interest<\/th>\n\t\t\t\t\t\t\t<td class=\"luna-table__numeric\">$<span class=\"monthlyCost_interest\" data-id=\"0000000000\"><\/span>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t<th scope=\"row\">Total Cost<\/th>\n\t\t\t\t\t\t\t<td class=\"luna-table__numeric\">$<span class=\"monthlyCost_totalCost\" data-id=\"0000000000\"><\/span>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t\t\t\t<\/table>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<div class=\"has-padding-xsmall\"><\/div><p>To use this calculator:<\/p><ul><li style=\"padding-bottom: 14px;\"><strong>Enter the price of the car<\/strong> you want to buy into the loan amount field plus sales tax and minus your down payment<\/li><li style=\"padding-bottom: 14px;\"><strong>Enter the number of years<\/strong> you want to amortize the loan \u2014 a fancy way of saying: spread out the payments required to pay off the loan. The longer the amortization, the lower the monthly payment, but the more interest you pay.<\/li><li style=\"padding-bottom: 14px;\"><strong>Enter an interest rate.<\/strong> If you don\u2019t know what rate you qualify for, you can use the current average car loan interest of 6.72%<\/li><\/ul><p>Another option is to use a bank car loan calculator. For instance, the <a href=\"https:\/\/www.scotiabank.com\/static-tools\/scotiabank\/personal\/lones-lines\/auto-loan-calculator\/en\/#monthly-payment\" target=\"_blank\" rel=\"noopener\">Scotiabank auto loan calculator<\/a> is a simple, effective tool that can help you determine the total amount you need to borrow, as well as break down the monthly, bi-weekly or weekly payments you would need to make.<\/p><p>Remember to examine your current budget and expenses before agreeing to any car purchase or loan contract \u2014 you don\u2019t want to take on a loan that\u2019s too big, or you may end up paying too much or losing your vehicle.<\/p><h3 id=\"what\">Important car financing terms<\/h3><p>To accurately compare loans, you first need to understand the terms and conditions included in car loan contracts. In general, there are three numbers you need to pay attention to when reviewing a car loan:<\/p><h4>Principal<\/h4><p>This is the total car loan you need to borrow to finance a new car. While the easiest way to determine the principal is to look at the cost of the vehicle, keep in mind that your total car financing needs to cover the cost of the vehicle, as well as taxes, fees and any additional costs. You can reduce your total auto loan amount through rebates and a larger down payment.<\/p><h4>Loan term<\/h4><p>This is the amount of time you agree to repay your auto loan. The loan term can be expressed in years or months. Typical car loan terms range from one to seven years. When deciding on the best loan term, remember that the longer the loan term, the lower your monthly payments, but the more interest you pay. Your best option is to choose a repayment plan that you can stick to with the goal of getting out of debt as quickly as possible.<\/p><h4>Fees<\/h4><p>Additional fees can add up and, if you\u2019re not careful, significantly inflate the overall cost of your vehicle purchase. For example, you may be required to pay a surtax if you bought an import through a dealership. The dealership may add another cost to the overall purchase price because you upgraded from cloth to leather seats. Then you may be required to pay legal or appraisal fees when opening a car loan, or a discharge fee when you make your final payment.<\/p><h4>Interest rate<\/h4><p>The interest rate is what a car loan lender will charge you to borrow money. Expressed as a percentage, the interest rate is the cost of borrowing and is added to the amount you owe. For reference, the current average car loan interest rate in Canada, according to Statistics Canada, is 6.72%.<\/p><p>Let\u2019s say you took out a $10,000 car loan at an interest rate of 8.5%, with a 60-month loan term. Your monthly payment would then be just over $205, and at the end of the 60 months, you will have repaid the $10,000 car loan and paid the lender an additional $2,310 in interest payments.<\/p><article class=\"luna-card luna-card--alt luna-card--shadow\"><div class=\"luna-card__block\"><h4>Interest rate vs. APR<\/h4><p>For a more accurate comparison of your car financing options, it\u2019s best to determine each lender\u2019s annual percentage rate (APR). That\u2019s because it offers a more accurate view of how much an auto loan will cost you overall and helps you make a more informed car financing decision.<\/p><p>The APR is the interest rate on the car loan plus any additional costs and fees associated with the auto loan. You can find the APR in the loan agreement \u2014 keep in mind that it\u2019s usually higher than the advertised interest rate.<\/p><\/div><\/article>\n    \n\n<style>\n#toppicks { overflow-x: auto; }\n.table-expander__content { margin-left: 0.5rem; line-height: normal; }\n.pro-section { line-height: 1.35rem; text-align: left; }\n\n.topPicksF1 .card-topText {\n    font-weight: 800;\n    height: 50px;\n    font-style: italic;\n    align-content: space-around;\n}\n\n.topPicksF1 .zoom:hover {\n    box-shadow: 4px 6px 0 0 #232320;\n}\n\n.topPicksF1 .topPicks__deal {\n    color: #232021;\n    background-color: #F7F6EC;\n}\n\n.container-threepc.threepc-flex::-webkit-scrollbar { display: none; }\n.gx-badge__body.awards-badge__body.hasPopover.threepc-award { margin-top: 0; }\n.topPicks__card-card figure.award { padding: 0px 10px 20px 10px; margin: -3px auto 3px; width: 130px; }\n.topPicks__card-card figure.noward { padding: 10px; width: 130px; }\n.award-wrapper { height: 0px; display: block; margin: -23px auto 23px; }\n.award-bnt { padding-top: 0.5em; padding-bottom: 0.5em; }\n.award-pad { padding-top: 0.5rem; margin-bottom: 0.55rem; }\n.luna-card__block { padding: 1.25rem; }\n.ratings-w { width: 42%; margin: auto; margin-bottom: 1rem; }\n.cleanMastHead { display: block; }\n.standardMasthead.standardMasthead--widget { overflow: visible; }\n.standardMasthead__widgetSection__content { overflow: visible; }\n.popover.fade.bottom.in { overflow: visible; }\n\n.cardColoured-banner {\n    width: 100%;\n    border-radius: 0.7em 0.7em 0 0;\n    background-color: #e5f7ff;\n}\n\n.cardPros-text {\n    font-size: 0.8em;\n}\n\n.cardData-header {\n    margin: 0;\n    font-size: 0.77em;\n    white-space: normal;\n    color: #6c7881;\n}\n\n.cardProductname-header {\n    font-size: 0.77em;\n    white-space: normal;\n    color: #6c7881;\n    font-weight: 600;\n    margin-bottom: 0.5rem;\n    margin-top: 0.5rem;\n}\n\n.cardProductname-header-fsa {\n    margin-top: 2rem;\n    margin-bottom: 0.7rem;\n}\n\n.cardData-text {\n    margin: 0;\n    font-size: 0.9em;\n    font-weight: 700;\n    text-align: right;\n    white-space: normal;\n}\n\n.card-topText {\n    text-align: center;\n    margin: 0.5em;\n    font-weight: 500;\n    white-space: normal;\n}\n\n.container-threepc .luna-card {\n    overflow: visible;\n}\n\n.popover.top {\n    overflow: visible;\n}\n\n.pick {\n    margin-top: 0.3em;\n    margin-bottom: 0.3em;\n}\n\n.luna-card__topPick {\n   padding: 0.5em;\n}\n\n.best-pagePromoted-span {\n    font-size: 0.7em;\n    font-weight: 700;\n    background-color: #f6c744;\n    border-radius: 1em;\n    padding: 0.4em 0.8em;\n}\n\n.container-threepc {\n    width: 100%;\n    height: auto;\n    white-space: nowrap;\n    padding-top: 10px;\n    padding-bottom: 10px;\n}\n\n.threepc-flex {\n    display: flex;\n    flex-wrap: unset;\n        overflow: visible;\n    }\n\n.threepc-flex-item {\n    flex: 0 0 auto;\n}\n\n.zoom {\n    transition: transform .2s;\n    margin: 0 auto;\n}\n\n.zoom:hover {\n    transform: scale(1.015);\n    box-shadow: 1px 1px 19px -9px rgba(168,176,183,0.81);\n}\n\n.mastheadPick-item {\n    margin: 5px;\n    width: calc(96% \/ 3);\n    border-radius: 0.7em;\n}\n\n.luna-author {\n    padding: 20px;\n}\n\n.standardMasthead__widgetSection {\n    margin-bottom: 8%;\n}\n\n.topPicks__deal {\n    color: #014BB2;\n    font-weight: 600;\n    background-color: #ebf3fc;\n    padding: 0.5em 0.65em 0.6em;\n    width: auto;\n    border-radius: 16px;\n    font-size: 0.875rem;\n    line-height: 17px;\n    margin: 1.2rem 0.7rem;\n    text-wrap: wrap;\n}\n\n.topPicks__deal span.table-popover::before {\n    background-image: url(\"data:image\/svg+xml,%3Csvg%20viewBox%3D%220%200%2024%2024%22%20id%3D%22info-circle%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%3E%3Cpath%20d%3D%22M11%2017h2v-6h-2v6zm1-15C6.48%202%202%206.48%202%2012s4.48%2010%2010%2010%2010-4.48%2010-10S17.52%202%2012%202zm0%2018.75c-4.823%200-8.75-3.927-8.75-8.75S7.177%203.25%2012%203.25s8.75%203.927%208.75%208.75-3.927%208.75-8.75%208.75zM11%209h2V7h-2v2z%22%20fill%3D%22%23232021%22%3E%3C%2Fpath%3E%3C%2Fsvg%3E\");\n    margin: -2px 0px -1px 0px;\n}\n\n@media (max-width: 1920px) {\n    .pro-section {\n        max-height: fit-content;\n    }\n}\n\n@media (max-width:801px) {\n    .topPicksF1 .card-topText {\n        font-size: 1.3em;\n    }\n\n    .mastheadPick-item {\n        margin: 5px;\n        width: 80%;\n    }\n\n    .standardMasthead__widgetSection {\n        margin-bottom: 0;\n    }\n\n    .standardMasthead.standardMasthead--widget {\n        overflow: auto;\n    }\n\n    .container-threepc .popover.fade.bottom.in {\n        overflow: visible;\n        left: 2rem;\n        top: 0;\n    }\n}\n\n@media (max-width:481px) {\n    .topPicksF1 .cardColoured-banner {\n        font-size: 0.8rem;\n        background-color: #e5f7ff;\n    }\n\n    .award-w-btn { padding-top: 0.25rem }\n    .ratings-w { width: 52%; }\n    .award-wrapper { height: 0px; display: block; }\n    .cardProductname-header { margin-top: 2.2rem; }\n\n    .mastheadPick-item {\n        margin: 5px;\n        width: 80%;\n    }\n\n    .standardMasthead__widgetSection {\n        margin-bottom: 0;\n    }\n\n    .cardColoured-banner {\n        font-size: 0.9rem;\n        background-color: #e5f7ff;\n    }\n}\n<\/style>\n\n<style>\n       .icondeal > use { fill: #232320 !important }\n    .icondeal { width: 1rem !important; height: 1rem !important; vertical-align: \/*middle;*\/ vertical-align: bottom !important;}\n  .best-page-offer-text-rib {  border-radius: 16px !important;  background-color: #F7F6EC; padding: 0.5rem; display: inline-block;}\n  .threepc-page-offer-text-rib { padding: 0.3em !important }\n  td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; } td.comparison-table__feature--longtext .has-margin-bottom-xsmall { border-radius: 3px; }\n<\/style> \n\n    \n\n\n                        \n\n\n\n\n\n\n    \n                <div class=\"container-threepc threepc-flex topPicksF1\" id=\"toppicks\">\n\n                                <article class=\"luna-card luna-card--shadow luna-card--stretch mastheadPick-item threepc-flex-item zoom topPicks__card-card\">\n                <div class=\"cardColoured-banner\" style=\"background-color: \" data-nbid=\"5ba47813-dec4-4734-8778-bfa4edb45aab\">\n\n                                        \n                    <p class=\"card-topText\" style=\"height:fit-content\">\n                                                    Quick Pre-Approval\n                                            <\/p>\n                <\/div>\n\n                                \n                <div class=\"luna-card__block luna-card__topPick\">\n                    <figure style=\"margin: auto;\" class=\"noward\">\n                        <a rel=\"nofollow\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/car-loans\/carsfast-lendingarch-ca-car-loan-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%225ba47813-dec4-4734-8778-bfa4edb45aab%22%2C%22product_name%22%3A%22CarsFast%2BCar%2BLoans%22%2C%22offer_id%22%3A%2216112%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_IMAGE%22%2C%22niche_code%22%3A%22CAFCL%22%2C%22position%22%3A%221%22%2C%22top_picks_lock_order%22%3A%220%22%2C%22post_id%22%3A%22992241%22%2C%22post_path%22%3A%22car-loans%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1730639%2C%22name%22%3A%22threepc%22%2C%22country%22%3A%22us%22%7D%7D\" style=\"margin-bottom: 10px;\" title=\"Go to CarsFast\">\r\n\r\n  \r\n  \r\n\r\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/67c8b89a3e503.png\" loading=\"lazy\" alt=\"CarsFast logo\" class=\"luna-image compare-logo no-lazyload \" width=\"450\" height=\"250\" srcset=\"https:\/\/www.finder.com\/niche-builder\/67c8b89a3e503.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/67c8b89a3e503.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/67c8b89a3e503.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/67c8b89a3e503.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/67c8b89a3e503.png?fit=1200 1200w, https:\/\/www.finder.com\/niche-builder\/67c8b89a3e503.png?fit=1350 1350w\" sizes=\"(max-width: 1350px) 100vw, 1350px\">\r\n<\/a>\n                    <\/figure>\n\n                    \n                    \n                    \n                    \n                                            <span class=\"best-pagePromoted-span\" style=\"display: none; background-color: #FFF;\"><\/span>\n                    \n                    \n                    <div class=\" has-padding-bottom-xsmall has-padding-top-small \" style=\"border-radius: 0.2em;\">\n                        <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"5ba47813-dec4-4734-8778-bfa4edb45aab\" data-product-name=\"CarsFast Car Loans\" data-niche=\"Car Loans\" data-provider-name=\"CarsFast\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--fluid  \" style=\"text-wrap: wrap;\" title=\"Go to CarsFast\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/car-loans\/carsfast-lendingarch-ca-car-loan-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%225ba47813-dec4-4734-8778-bfa4edb45aab%22%2C%22product_name%22%3A%22CarsFast%2BCar%2BLoans%22%2C%22offer_id%22%3A%2216112%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CAFCL%22%2C%22position%22%3A%221%22%2C%22top_picks_lock_order%22%3A%220%22%2C%22post_id%22%3A%22992241%22%2C%22post_path%22%3A%22car-loans%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1730639%2C%22name%22%3A%22threepc%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n\n                        \n                    <\/div>\n\n                    <div class=\"text-center\"> <\/div>\n\n                    \n                    \n\n                       <div style=\"display: none\">5ba47813-dec4-4734-8778-bfa4edb45aab-<\/div>\n\n\n                    \n\n\n\n\n\n                                            <div class=\"cardPros-text  pros-no-blue-lozenge \">\n                            <style>\r\n.list-1 li {\r\noverflow-wrap: break-word;\r\nwhite-space: normal;\r\npadding-bottom: 10px;\r\n}\r\n  \r\n.pro-engine { \r\nmin-height: 100px;\r\nmargin-top: 15px;\r\n}\r\n  \r\n@media (max-width:1001px) { \r\n.pro-section{\r\n\r\n\r\n}\r\n}\r\n  \r\n@media (max-width:1920px) { \r\n.pro-section{\r\n\r\n\r\n}\r\n}\r\n  \r\n.pro-section-2 {\r\n\r\n}\r\n<\/style>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"pro-section\">\r\n    <ul class=\"list-1 pros-a\" id=\"pros\">\r\n        \r\n            \r\n                 <li>Rates from 3.90% - 29.90%<span class=\"table-popover\" rel=\"popover\" data-content=\"Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/li>\r\n            \r\n         \r\n            \r\n                 <li>Borrow $500 - $75,000<\/li>\r\n            \r\n         \r\n            \r\n                 <li>Loan terms from 12 - 96 months<\/li>\r\n            \r\n         \r\n            \r\n                 <li>Get matched with offers<\/li>\r\n            \r\n         \r\n    <\/ul>\r\n<\/div>\n                        <\/div>\n                                    <\/div>\n\n                <div style=\"margin-top: 1rem; margin-right: 0.7rem;\">\n                    \n                <\/div>\n            <\/article>\n                                <article class=\"luna-card luna-card--shadow luna-card--stretch mastheadPick-item threepc-flex-item zoom topPicks__card-card\">\n                <div class=\"cardColoured-banner\" style=\"background-color: \" data-nbid=\"98559dd6-c17b-40fb-a619-3014d270fc9d\">\n\n                                        \n                    <p class=\"card-topText\" style=\"height:fit-content\">\n                                                    0% Financing\n                                            <\/p>\n                <\/div>\n\n                                \n                <div class=\"luna-card__block luna-card__topPick\">\n                    <figure style=\"margin: auto;\" class=\"noward\">\n                        <a rel=\"nofollow\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/car-loans\/loans-canada-car-loan-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%2298559dd6-c17b-40fb-a619-3014d270fc9d%22%2C%22product_name%22%3A%22Loans%2BCanada%2BCar%2BLoans%22%2C%22offer_id%22%3A%2217709%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_IMAGE%22%2C%22niche_code%22%3A%22CAFCL%22%2C%22position%22%3A%222%22%2C%22top_picks_lock_order%22%3A%220%22%2C%22post_id%22%3A%22992241%22%2C%22post_path%22%3A%22car-loans%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1730639%2C%22name%22%3A%22threepc%22%2C%22country%22%3A%22us%22%7D%7D\" style=\"margin-bottom: 10px;\" title=\"Go to Loans Canada\">\r\n\r\n  \r\n  \r\n\r\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png\" loading=\"lazy\" alt=\"Loans Canada logo\" class=\"luna-image compare-logo no-lazyload \" width=\"450\" height=\"250\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=1200 1200w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=1350 1350w\" sizes=\"(max-width: 1350px) 100vw, 1350px\">\r\n<\/a>\n                    <\/figure>\n\n                    \n                    \n                    \n                    \n                                            <span class=\"best-pagePromoted-span\" style=\"display: none; background-color: #FFF;\"><\/span>\n                    \n                    \n                    <div class=\" has-padding-bottom-xsmall has-padding-top-small \" style=\"border-radius: 0.2em;\">\n                        <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"98559dd6-c17b-40fb-a619-3014d270fc9d\" data-product-name=\"Loans Canada Car Loans\" data-niche=\"Car Loans\" data-provider-name=\"Loans Canada\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--fluid  \" style=\"text-wrap: wrap;\" title=\"Go to Loans Canada\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/car-loans\/loans-canada-car-loan-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%2298559dd6-c17b-40fb-a619-3014d270fc9d%22%2C%22product_name%22%3A%22Loans%2BCanada%2BCar%2BLoans%22%2C%22offer_id%22%3A%2217709%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CAFCL%22%2C%22position%22%3A%222%22%2C%22top_picks_lock_order%22%3A%220%22%2C%22post_id%22%3A%22992241%22%2C%22post_path%22%3A%22car-loans%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1730639%2C%22name%22%3A%22threepc%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n\n                        \n                    <\/div>\n\n                    <div class=\"text-center\"> <\/div>\n\n                    \n                    \n\n                       <div style=\"display: none\">98559dd6-c17b-40fb-a619-3014d270fc9d-<\/div>\n\n\n                    \n\n\n\n\n\n                                            <div class=\"cardPros-text  pros-no-blue-lozenge \">\n                            <style>\r\n.list-1 li {\r\noverflow-wrap: break-word;\r\nwhite-space: normal;\r\npadding-bottom: 10px;\r\n}\r\n  \r\n.pro-engine { \r\nmin-height: 100px;\r\nmargin-top: 15px;\r\n}\r\n  \r\n@media (max-width:1001px) { \r\n.pro-section{\r\n\r\n\r\n}\r\n}\r\n  \r\n@media (max-width:1920px) { \r\n.pro-section{\r\n\r\n\r\n}\r\n}\r\n  \r\n.pro-section-2 {\r\n\r\n}\r\n<\/style>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"pro-section\">\r\n    <ul class=\"list-1 pros-a\" id=\"pros\">\r\n        \r\n            \r\n                 <li>Rates from 0% - 35.00%<span class=\"table-popover\" rel=\"popover\" data-content=\"0% financing is for new cars only. Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/li>\r\n            \r\n         \r\n            \r\n                 <li>Borrow $3,000 - $50,000<\/li>\r\n            \r\n         \r\n            \r\n                 <li>Loan terms from 3-60 months<\/li>\r\n            \r\n         \r\n            \r\n                 <li>Get matched with offers<\/li>\r\n            \r\n         \r\n    <\/ul>\r\n<\/div>\n                        <\/div>\n                                    <\/div>\n\n                <div style=\"margin-top: 1rem; margin-right: 0.7rem;\">\n                    \n                <\/div>\n            <\/article>\n                                <article class=\"luna-card luna-card--shadow luna-card--stretch mastheadPick-item threepc-flex-item zoom topPicks__card-card\">\n                <div class=\"cardColoured-banner\" style=\"background-color: \" data-nbid=\"de1c9023-15d0-4348-91ea-3fc9fa05ca59\">\n\n                                        \n                    <p class=\"card-topText\" style=\"height:fit-content\">\n                                                    Used Cars\n                                            <\/p>\n                <\/div>\n\n                                \n                <div class=\"luna-card__block luna-card__topPick\">\n                    <figure style=\"margin: auto;\" class=\"noward\">\n                        <a rel=\"nofollow\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/car-loans\/clutch-car-financing-ca-car-loans-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22de1c9023-15d0-4348-91ea-3fc9fa05ca59%22%2C%22product_name%22%3A%22Clutch%2BCar%2BLoans%22%2C%22offer_id%22%3A%2221758%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_IMAGE%22%2C%22niche_code%22%3A%22CAFCL%22%2C%22position%22%3A%223%22%2C%22top_picks_lock_order%22%3A%220%22%2C%22post_id%22%3A%22992241%22%2C%22post_path%22%3A%22car-loans%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1730639%2C%22name%22%3A%22threepc%22%2C%22country%22%3A%22us%22%7D%7D\" style=\"margin-bottom: 10px;\" title=\"Go to Clutch\">\r\n\r\n  \r\n  \r\n\r\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/61ead18a0cdce.png\" loading=\"lazy\" alt=\"Clutch logo\" class=\"luna-image compare-logo no-lazyload \" width=\"450\" height=\"250\" srcset=\"https:\/\/www.finder.com\/niche-builder\/61ead18a0cdce.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/61ead18a0cdce.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/61ead18a0cdce.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/61ead18a0cdce.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/61ead18a0cdce.png?fit=1200 1200w, https:\/\/www.finder.com\/niche-builder\/61ead18a0cdce.png?fit=1350 1350w\" sizes=\"(max-width: 1350px) 100vw, 1350px\">\r\n<\/a>\n                    <\/figure>\n\n                    \n                    \n                    \n                    \n                                            <span class=\"best-pagePromoted-span\" style=\"display: none; background-color: #FFF;\"><\/span>\n                    \n                    \n                    <div class=\" has-padding-bottom-xsmall has-padding-top-small \" style=\"border-radius: 0.2em;\">\n                        <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"de1c9023-15d0-4348-91ea-3fc9fa05ca59\" data-product-name=\"Clutch Car Loans\" data-niche=\"Car Loans\" data-provider-name=\"Clutch\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--fluid  \" style=\"text-wrap: wrap;\" title=\"Go to Clutch\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/car-loans\/clutch-car-financing-ca-car-loans-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22de1c9023-15d0-4348-91ea-3fc9fa05ca59%22%2C%22product_name%22%3A%22Clutch%2BCar%2BLoans%22%2C%22offer_id%22%3A%2221758%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CAFCL%22%2C%22position%22%3A%223%22%2C%22top_picks_lock_order%22%3A%220%22%2C%22post_id%22%3A%22992241%22%2C%22post_path%22%3A%22car-loans%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1730639%2C%22name%22%3A%22threepc%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n\n                        \n                    <\/div>\n\n                    <div class=\"text-center\"> <\/div>\n\n                    \n                    \n\n                       <div style=\"display: none\">de1c9023-15d0-4348-91ea-3fc9fa05ca59-<\/div>\n\n\n                    \n\n\n\n\n\n                                            <div class=\"cardPros-text  pros-no-blue-lozenge \">\n                            <style>\r\n.list-1 li {\r\noverflow-wrap: break-word;\r\nwhite-space: normal;\r\npadding-bottom: 10px;\r\n}\r\n  \r\n.pro-engine { \r\nmin-height: 100px;\r\nmargin-top: 15px;\r\n}\r\n  \r\n@media (max-width:1001px) { \r\n.pro-section{\r\n\r\n\r\n}\r\n}\r\n  \r\n@media (max-width:1920px) { \r\n.pro-section{\r\n\r\n\r\n}\r\n}\r\n  \r\n.pro-section-2 {\r\n\r\n}\r\n<\/style>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"pro-section\">\r\n    <ul class=\"list-1 pros-a\" id=\"pros\">\r\n        \r\n            \r\n                 <li>Rates from 7.99%<span class=\"table-popover\" rel=\"popover\" data-content=\"Interest rates displayed are expressed as Annual Percentage Rates (APR). Interest rates are provided by lenders and brokers and are not guaranteed or enforced by Finder. Interest rates will vary depending on the applicants location, credit history, debt level and other circumstances.\" title=\"\" data-original-title=\"More info\"><\/span><\/li>\r\n            \r\n         \r\n            \r\n                 <li>Borrow from $7,500<\/li>\r\n            \r\n         \r\n            \r\n                 <li>Ontario online dealer<\/li>\r\n            \r\n         \r\n            \r\n                 <li>Competitive vehicle prices<\/li>\r\n            \r\n         \r\n    <\/ul>\r\n<\/div>\n                        <\/div>\n                                    <\/div>\n\n                <div style=\"margin-top: 1rem; margin-right: 0.7rem;\">\n                    \n                <\/div>\n            <\/article>\n            <\/div>\n\n    \n<h3>Where to find car financing in Canada<\/h3><p>If you plan to buy a vehicle and need auto financing, you\u2019re in luck. Gone are the days when financing was only available through dealers or banks.<\/p><p>These days, you can buy a car from a dealership, an after-market car lot, through a private sale, online car resellers and even a business\u2019s transportation firm, such as a car rental business \u2014 and there are also plenty of ways to secure auto financing. To help you narrow down your options, here are the four types of lenders to consider for your next car loan.<\/p><h4 id=\"what\">1. Car loans from Canadian banks<\/h4><p>Virtually all the major banks in Canada offer auto financing, typically at competitive rates. These lenders are more traditional, which means they tend to save the best interest rates and loan terms for customers with excellent credit scores.<\/p><p>A good place to start is with the bank where you currently hold accounts. For instance, a Scotia client should ask about Scotiabank\u2019s auto loan rates, while CIBC customers can ask about current CIBC car loan rates.<\/p><p>If you have a poor credit score, consider looking into the Scotia Dealer Advantage. This Scotiabank auto loan program offers car loans across Canada to people with no credit history or less-than-perfect credit scores.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 24%;\" scope=\"col\">Bank<\/th><th style=\"width: 46%;\" scope=\"col\">Eligible vehicles<\/th><th style=\"width: 30%;\" scope=\"col\">Car loan features<\/th><\/tr><\/thead><tbody><tr><td><img decoding=\"async\" class=\"alignnone wp-image-1023484\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/09\/TD-Canada-Logo-transparent_Supplied.png\" alt=\"TD Canada Trust\" width=\"285\" height=\"65\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/09\/TD-Canada-Logo-transparent_Supplied.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/09\/TD-Canada-Logo-transparent_Supplied.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/09\/TD-Canada-Logo-transparent_Supplied.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/09\/TD-Canada-Logo-transparent_Supplied.png?fit=855 855w\" sizes=\"(max-width: 855px) 100vw, 855px\" loading=\"lazy\"><\/td><td><ul><li>New and used vehicles<\/li><li>Cars, trucks, SUVs<\/li><li>RVs<\/li><li>Powersports<\/li><li>Boats<\/li><\/ul><\/td><td><ul><li>Loan terms up to 96 months<\/li><li>Fixed or variable rates<\/li><\/ul><\/td><\/tr><tr><td><img decoding=\"async\" class=\"size-full wp-image-986771 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/06\/ScotiabankLogo_Supplied_535x137.png\" alt=\"Scotiabank\" width=\"535\" height=\"127\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/06\/ScotiabankLogo_Supplied_535x137.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/06\/ScotiabankLogo_Supplied_535x137.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/06\/ScotiabankLogo_Supplied_535x137.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/06\/ScotiabankLogo_Supplied_535x137.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/06\/ScotiabankLogo_Supplied_535x137.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/06\/ScotiabankLogo_Supplied_535x137.png?fit=1605 1605w\" sizes=\"(max-width: 1605px) 100vw, 1605px\" loading=\"lazy\"><\/td><td><ul><li>New or used vehicles up to 7 years old (or up to 10 years old if using Scotia Dealer Advantage)<\/li><li>Cars, trucks, SUVs<\/li><\/ul><\/td><td><ul><li>Loan amounts up to $200,000<\/li><li>Loan terms up to 96 months<\/li><li>Fixed or variable rates<\/li><\/ul><\/td><\/tr><tr><td><img decoding=\"async\" class=\"size-full wp-image-1006646 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/02\/CIBCLogo-transparent-2_Supplied.png\" alt=\"CIBC\" width=\"450\" height=\"250\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/02\/CIBCLogo-transparent-2_Supplied.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/02\/CIBCLogo-transparent-2_Supplied.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/02\/CIBCLogo-transparent-2_Supplied.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/02\/CIBCLogo-transparent-2_Supplied.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/02\/CIBCLogo-transparent-2_Supplied.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/02\/CIBCLogo-transparent-2_Supplied.png?fit=1350 1350w\" sizes=\"(max-width: 1350px) 100vw, 1350px\" loading=\"lazy\"><\/td><td><ul><li>New and used vehicles up to 10 years old<\/li><li>Cars, trucks, SUVs<\/li><\/ul><\/td><td><ul><li>Loan amounts starting at $7,500<\/li><li>Loan terms up to 96 months<\/li><li>Fixed rates<\/li><\/ul><\/td><\/tr><tr><td><img decoding=\"async\" class=\"alignnone wp-image-1030513\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/01\/RBClogo_Supplied_1800x1000.jpg\" alt=\"RBC\" width=\"228\" height=\"127\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/01\/RBClogo_Supplied_1800x1000.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/01\/RBClogo_Supplied_1800x1000.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/01\/RBClogo_Supplied_1800x1000.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/01\/RBClogo_Supplied_1800x1000.jpg?fit=684 684w\" sizes=\"(max-width: 684px) 100vw, 684px\" loading=\"lazy\"><\/td><td><ul><li>New and used vehicles up to 10 years old<\/li><li>Cars, trucks, SUVs<\/li><li>RVs<\/li><li>Boats<\/li><\/ul><\/td><td><ul><li>Loan amounts up to $75,000<\/li><li>Loan terms up to 96 months<\/li><\/ul><\/td><\/tr><\/tbody><\/table><p>Another advantage when working with a bank lender is that you can use other assets you own to help secure lower car financing interest rates. For instance, homeowners can use their home equity to purchase a car, typically at a lower interest rate. To find out more about this and other assets you can use to secure a personal loan to buy a vehicle, talk to a bank representative.<\/p><h4 id=\"what\">2. Online car loan lenders<\/h4><p>Unlike banks, online car financing lenders are more willing to work with people with bad credit, no credit or a history of bankruptcy. Online lenders are also good whether you need a used car loan, are considering a car lease buy-out, are refinancing or looking for an auto loan for a new car purchase.<\/p><p>Online car loan providers specialize in fast and efficient loan approvals through online or over-the-phone applications. In most cases, you simply fill out an online application form, including your contact details, and the lender will contact you to discuss the next steps.<\/p><h4>Types of online car financing lenders:<\/h4><ul><li style=\"padding-bottom: 14px;\"><strong>Direct lenders.<\/strong> Lenders directly finance the vehicle you want to buy from dealerships or possibly private sales.<ul><li style=\"padding-bottom: 14px;\">Example: <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/canada-drives-review\">Canada Drives<\/a><\/li><\/ul><\/li><li style=\"padding-bottom: 14px;\"><strong>Car loan search platforms.<\/strong> Search platforms connect you with dealerships, finance companies or car resellers they\u2019ve partnered with that best suit your client profile.<ul><li style=\"padding-bottom: 14px;\">Examples: <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/carsfast-car-loan\">CarsFast<\/a>, <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/loans-canada-car-loans-review\">Loans Canada<\/a>, <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/car-deal-canada-review\">Car Deal Canada<\/a>, <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/dealerhop-review\">Dealerhop<\/a> and <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/canada-auto-finance-review\">Canada Auto Finance<\/a><\/li><\/ul><\/li><li><strong>Online dealers.<\/strong> These platforms offer their own inventory of vehicles, auto financing and vehicle delivery so you can complete the entire car buying process online.<ul><li>Example: <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/online-car-dealers-canada\/clutch-review\">Clutch<\/a> and <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/online-car-dealers-canada\/cardoor-review\">CarDoor<\/a><\/li><\/ul><\/li><\/ul><p style=\"text-align: center;\"><a class=\"luna-button luna-button--success scroll\" role=\"button\" href=\"#comparison-table\">Car loan comparison tool<\/a><\/p><h4 id=\"what\">3. Credit union car financing<\/h4><p>In Canada, credit unions are not-for-profit financial cooperatives whose members can borrow from pooled deposits at low-interest rates. They operate much like banks, offering accounts, investments and loans; however, to get access to these products, you often need to become a member.<\/p><p>Some credit unions only allow membership if you are part of a specific organization or union, such as the American Airlines Credit Union. Others require a nominal share purchase to become a member \u2014 usually just $5 or $10 to purchase one share within the cooperative.<\/p><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/car-loans\/credit-union-auto-loans\" style=\"text-decoration:underline; font-size:0.9em;\">Credit union auto loans<\/a>\n<\/div>\n<\/article><h4 id=\"what\">4. Dealership car financing<\/h4><p>If you plan to purchase a car from a dealership, be sure to inquire about getting dealership financing. Going through a dealership can make your car-buying and auto-financing process easier, but be sure to comparison shop to make sure you are getting the best rates and terms.<\/p><p>Most popular car brands in Canada, like Toyota, Hyundai, Ford and Honda, <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/car-manufacturers-canada\">routinely offer special financing on select models<\/a>, which can help you save money on your car loan. It\u2019s still important to be mindful of potential upsells and markups \u2014 sales strategies dealerships use to increase the overall purchase price.<\/p><article class=\"luna-card luna-card--alt luna-card--shadow\"><div class=\"luna-card__block\"><h4 id=\"what\">Don\u2019t forget to ask about any rebates you might be eligible for<\/h4><p>If you\u2019re financing with a dealer, ask about cash back discounts to avoid leaving money on the table. Three main types include cash rebates, low-interest dealership financing and special leases. Government rebates for low-emission or hybrid vehicles are also available.<\/p><\/div><\/article><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/car-loans\/buying-a-car\/negotiating-with-car-dealer\" style=\"text-decoration:underline; font-size:0.9em;\">Buying a car through a dealership<\/a>\n<\/div>\n<\/article><h3>What credit score is required for a car loan in Canada?<\/h3><p>While it depends on the lender, it\u2019s possible to get a car loan in Canada with any credit score.<\/p><p><a href=\"https:\/\/www.finder.com\/ca\/credit-score\">Credit scores<\/a> can range between 300 and 900. Anyone with a credit score of 660 and higher is categorized as having good to excellent credit, which indicates to lenders that you pay your bills on time and manage your debts responsibly. People in this category are often eligible for a loan from a bank or standalone lender at a much more competitive interest rate.<\/p><p>People with credit scores between 600 and 649 have a \u201cfair\u201d credit score, while anyone with a credit score of 599 and below is considered to have a \u201cpoor\u201d credit score. People with poor or fair credit scores usually end up with interest rates that are higher with lower loan amounts.<\/p><p>To appreciate how your credit score can affect your car loan interest rate and the overall cost of your new vehicle, consider the following. Suppose you want to purchase a $15,000 car with a $2,000 down payment.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 15%; text-align: left;\" scope=\"col\">Credit score<\/th><th style=\"width: 25%; text-align: left;\" scope=\"col\">Example interest rate range<\/th><\/tr><\/thead><tbody><tr><td>300 to 659<\/td><td>10% to 29.99%<\/td><\/tr><tr><td>660 to 900<\/td><td>0% to 10%<\/td><\/tr><\/tbody><\/table><p><small>Note: The interest rates listed above are examples and do not consider all factors lenders consider when evaluating a loan application.<\/small><\/p><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/car-loans\/car-loans-credit-check\" style=\"text-decoration:underline; font-size:0.9em;\">Minimum credit score for a car loan in Canada<\/a>\n<\/div>\n<\/article><h3>Where to get a car loan with bad credit in Canada?<\/h3><p>While having a bad credit score (scores between 300 and 600) will limit your options, there are plenty of lenders who will still work with you and help you get a car loan. Just don\u2019t be surprised if the loan amount you qualify for is smaller than you wanted and with higher interest rates.<\/p><p>Car dealerships and online car loan lenders offer bad credit car loans for consumers who are dealing with bankruptcy, bad credit, or no credit at all. With bankruptcy, the process of getting a car loan may take a bit more time because your lender may need more information from your trustee.<\/p><h3>What do you need to apply for a car loan in Canada?<\/h3><p>Most lenders will ask to see at least three documents when you apply for a car loan:<\/p><ul><li><strong>Your driver\u2019s licence.<\/strong> Your lender might ask to see your licence or require your licence number. Either way, have it on hand.<\/li><li><strong>Your insurance card.<\/strong> Some lenders require you to have specific car insurance before applying for car financing.<\/li><li><strong>Employment verification.<\/strong> You might be asked to submit tax returns, bank statements or recent pay stubs to prove you make enough to afford your car financing.<\/li><li><strong>Government-issued ID.<\/strong> You\u2019ll need to show ID, like your driver\u2019s licence or passport, to verify your identity.<\/li><li><strong>Bank account information.<\/strong> Supply direct deposit information to pay for your car or arrange to make your monthly repayments.<\/li><\/ul><p>Basic eligibility criteria to qualify for car loans in Canada:<\/p><ul><li>Be at least the age of majority in your province or territory (18 or 19 years old)<\/li><li>Be a Canadian citizen or a permanent resident with a valid Canadian address<\/li><li>Be employed and have a steady income<\/li><li>Meet the credit score and income requirements set out by your lender<\/li><\/ul><h3>Answer these 6 questions to find the right car loan for you<\/h3><p>(Click on each question to learn why this factor is important for getting a car loan.)<\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">1. Am I eligible for an auto loan?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>There\u2019s no point in applying for a loan if you don\u2019t meet the lender\u2019s minimum eligibility requirements. You can find these requirements on the lender\u2019s website or in online reviews.<\/p><p>The basic eligibility requirements include being a Canadian resident with a valid address, government-issued ID and bank account. After that, lenders focus on your credit score, your job title, your income and how long you\u2019ve been receiving this cash flow into your account.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">2. Will the lender give me the amount I need to borrow?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Does the lender offer loans that cover the total cost of a car you\u2019re interested in \u2014 and can you afford this amount? To avoid being rejected for a car loan, you need to have a clear idea of how much you can afford.<\/p><p>The benefit to doing these calculations is that you\u2019ll know what extras or perks to skip, so you can stick to your realistic budget and increase your chances of being approved for a car loan. Another benefit is that you won\u2019t get stuck with a car loan debt you can\u2019t afford. Wind up in this situation, and you may have trouble paying back the loan, and this could hurt your credit score.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">3. Are the interest rates for these car loans competitive?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Always shop around for the best interest rate on a car loan. In general, the lower the interest rate, the cheaper your costs will be to borrow from that lender. Keep in mind, though, that lenders are in the market to attract business and just because a low rate is advertised doesn\u2019t mean you\u2019ll qualify.<\/p><p>Always ask for the interest rate and terms, including the APR, in writing \u2014 that way you have a record of the offer, and you can compare each loan offer side by side.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">4. What are the fees associated with each auto loan?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>On top of dealership fees and taxes associated with buying a car, some lenders charge origination fees for taking out a loan. If you\u2019re working with an online loan search platform that connects you with local lenders who have pre-qualified you, using the platform may not come with any fees, but your lender may have its fair share of charges.<\/p><p>Before you agree to work with any lender, double-check their list of fees. You could be agreeing to hefty charges for changing your loan terms or making a late payment.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">5. What loan terms am I being offered with each car loan?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Does your lender offer terms you can afford after you factor in APR and other costs involved in getting a new car? Your goal here is to agree to loan terms that you can stick to so you aren\u2019t struggling to fit your monthly repayment into your budget.<\/p><p>Some loan terms can extend to as long as eight years or up to a decade. Also, focus on a length of time \u2014 the loan term \u2014 that helps you. The idea is to keep your monthly payments manageable and pay off the debt as soon as possible. The longer you carry debt, the more expensive it is for you.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">6. What is the reputation of this bank or car financing lender?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Quickly scan online forums and review sites, and talk to family and friends to see what people say about each lender. Are interest rates high? Do people have trouble making repayments? Is there poor customer service? If anything sounds sneaky, run.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><div class=\"must-read u-bg--purple-subtle u-rounded--lg\" data-component=\"must-read\">\n    <div class=\"must-read__block\">\n        <h4 class=\"must-read__title\">\n            <span class=\"must-read__title-icon\">\n                <svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <path d=\"M26.9325 26.9998H5.0675C3.49 26.9998 2.5 25.3486 3.26625 24.0111L14.1988 5.02734C14.9863 3.65234 17.0138 3.65234 17.8013 5.02734L28.7338 24.0111C29.5 25.3486 28.51 26.9998 26.9325 26.9998Z\" fill=\"#B469FF\"><\/path>\n                    <path d=\"M29.6 23.5113L18.6688 4.52758C18.3956 4.06249 18.0056 3.67686 17.5375 3.40891C17.0694 3.14096 16.5394 3 16 3C15.4606 3 14.9306 3.14096 14.4625 3.40891C13.9944 3.67686 13.6044 4.06249 13.3312 4.52758L2.4 23.5113C2.13717 23.9612 1.99866 24.4728 1.99866 24.9938C1.99866 25.5148 2.13717 26.0265 2.4 26.4763C2.66966 26.9442 3.05896 27.332 3.52795 27.5997C3.99694 27.8675 4.52873 28.0057 5.06875 28.0001H26.9313C27.4708 28.0052 28.0021 27.8669 28.4706 27.5991C28.9391 27.3314 29.328 26.9439 29.5975 26.4763C29.8607 26.0267 29.9997 25.5152 30.0001 24.9942C30.0005 24.4732 29.8625 23.9614 29.6 23.5113ZM27.8662 25.4751C27.771 25.6376 27.6341 25.7719 27.4698 25.8642C27.3055 25.9564 27.1197 26.0033 26.9313 26.0001H5.06875C4.88034 26.0033 4.69446 25.9564 4.53016 25.8642C4.36586 25.7719 4.22904 25.6376 4.13375 25.4751C4.04743 25.3289 4.0019 25.1623 4.0019 24.9926C4.0019 24.8228 4.04743 24.6562 4.13375 24.5101L15.065 5.52633C15.1622 5.36455 15.2997 5.23068 15.4639 5.13773C15.6282 5.04479 15.8138 4.99595 16.0025 4.99595C16.1912 4.99595 16.3768 5.04479 16.5411 5.13773C16.7053 5.23068 16.8428 5.36455 16.94 5.52633L27.8713 24.5101C27.9568 24.6567 28.0015 24.8235 28.0006 24.9933C27.9997 25.163 27.9533 25.3294 27.8662 25.4751ZM15 18.0001V13.0001C15 12.7349 15.1054 12.4805 15.2929 12.293C15.4804 12.1054 15.7348 12.0001 16 12.0001C16.2652 12.0001 16.5196 12.1054 16.7071 12.293C16.8946 12.4805 17 12.7349 17 13.0001V18.0001C17 18.2653 16.8946 18.5197 16.7071 18.7072C16.5196 18.8947 16.2652 19.0001 16 19.0001C15.7348 19.0001 15.4804 18.8947 15.2929 18.7072C15.1054 18.5197 15 18.2653 15 18.0001ZM17.5 22.5001C17.5 22.7968 17.412 23.0868 17.2472 23.3334C17.0824 23.5801 16.8481 23.7724 16.574 23.8859C16.2999 23.9994 15.9983 24.0291 15.7074 23.9713C15.4164 23.9134 15.1491 23.7705 14.9393 23.5607C14.7296 23.351 14.5867 23.0837 14.5288 22.7927C14.4709 22.5017 14.5006 22.2001 14.6142 21.9261C14.7277 21.652 14.92 21.4177 15.1666 21.2529C15.4133 21.0881 15.7033 21.0001 16 21.0001C16.3978 21.0001 16.7794 21.1581 17.0607 21.4394C17.342 21.7207 17.5 22.1023 17.5 22.5001Z\" fill=\"#232320\"><\/path>\n                <\/svg>\n            <\/span>\n            <span class=\"must-read__title-text\">Must read: 4 red flags when looking for car financing<\/span>\n        <\/h4>\n        <div class=\"must-read__content\">\n            <p>Watch out for red flags when comparison shopping for car loans from various lenders. Be wary of any car loan provider that advertises or offers the following \u201cperks.\u201d Remember, if the offer looks too good, it could be too good to be true \u2014 and time to do more research.<\/p><ul class=\"list-3\"><li><strong>There\u2019s no credit check.<\/strong> Dealerships often don\u2019t run a credit check for buy-here-pay-here loans, but other types of loans usually require a credit check. Direct car loan lenders advertising no credit check could be a scam.<\/li><li><strong>You can take your car home before final loan approval.<\/strong> This could be the sign of a \u201cspot delivery scam,\u201d where a dealer offering auto loans calls a few days later to announce that financing fell through and you now need to renegotiate your loan at a much higher price.<\/li><li><strong>The lender lies about your credit score.<\/strong> Some dealers and car loan lenders attempt to convince borrowers they only qualify for car loans with higher interest rates due to too much debt, not enough income or a lower credit score. To avoid this situation, check your credit report before you go car loan shopping and ask the lender what credit ratios they work with when qualifying car loans.<\/li><\/ul><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/car-loans\/common-car-loan-scams\" style=\"text-decoration:underline; font-size:0.9em;\">See our list of legitimate auto financing lenders and ones you should avoid<\/a>\n<\/div>\n<\/article>\n        <\/div>\n    <\/div>\n<\/div>\n<h3>Bottom line<\/h3><p>Finding the right car loan for your financial situation and lifestyle can save you a lot of money in the long run. To get the best car loan in Canada, you\u2019ll need to compare what each lender offers, including the interest rate charged on the car loan, the total loan term, the features and perks offered, as well as all taxes, costs and fees associated with the vehicle purchase.<\/p><p>If you\u2019re still not ready to make a decision, don\u2019t worry. You can learn more about how car loans work using our comprehensive <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/buying-a-car\">how to buy a car guide<\/a>, check out the <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/buying-a-car\/car-loan-affordability\">car affordability guide<\/a> or determine whether it\u2019s better to <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/car-leasing\">lease or buy a car<\/a>.<\/p><h3 id=\"pb-FAQ\" data-toc=\"false\">Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">How easy is it to get a car loan?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>How easy it is to get approved for a car loan depends on several factors. These include your creditworthiness, your income and how much you can afford to pay for a down payment. If you have strong credit and enough disposable income to afford a down payment plus monthly repayments, getting approved isn't difficult.<\/p><p>The state of the economy can affect how easy it is to get a car loan. If the economy is doing poorly and you work in an industry that's experiencing a lot of layoffs, lenders might be more cautious about giving you a car loan. On the flip side, if the economy is doing well, lenders are typically less concerned about you losing your job and could be more willing to approve you with favourable rates.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">What's a good APR for buying a used car?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Buying a used car using an auto loan works the same as buying a new car. Calculate the APR by adding the interest rate charged, along with any taxes, costs and fees associated with the vehicle purchase. Remember, the APR you qualify for will depend on your personal credit score, the cost of the vehicle, your debt levels and your down payment.<\/p><p>If you have excellent credit, expect a good used car loan APR could be as low as 8%. If you have poor credit, then the cost of your used car loan will increase. Borrowers with fair or poor credit shouldn't be surprised to see APRs as high as 29.99%. To minimize costs, be sure to comparison shop and check out all lender options.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Are car loans secured loans?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Generally, yes. <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/secured\" rel=\"noopener noreferrer\">Most car loans are secured with the value of your car<\/a>, which can be repossessed if you stop making repayments. In fact, you typically don't own your car's title until you've paid off your loan entirely.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">Do I have to be a Canadian citizen to apply for a loan?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Usually, you will need to be a Canadian citizen or a permanent resident. However, landed immigrants can sometimes be approved for car loans. Having a valid Canadian address will likely be the most important factor.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000005\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000005\">\n                <span class=\"luna-accordion__title\">Can I refinance my auto loan?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000005\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes. <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/refinancing\" rel=\"noopener noreferrer\">Refinancing can offer you a better rate and lower repayments<\/a> and is an option available from many lenders.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000006\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000006\">\n                <span class=\"luna-accordion__title\">Do I need a down payment for car loans?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000006\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>This depends on the lender. Check the requirements of the loan before you apply.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000007\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000007\">\n                <span class=\"luna-accordion__title\">Should I lease my car instead of buying it?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000007\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Leasing a car can be an option to consider if you're looking for a newer model car every two or so years \u2013 just remember you will never have ownership of this vehicle. Repayments will generally be lower on lease agreements but they are harder to get out of than just selling a car under finance, so you need to be sure you'll want the car for the next two years. Learn more with our buying vs leasing a car guide here.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000008\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000008\">\n                <span class=\"luna-accordion__title\">What credit score do I need to get 0% financing?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000008\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Typically, 0% financing is only available to borrowers with excellent credit scores \u2013 between 800 and 900. Dealers typically also consider aspects of your personal finances like your income and debt-to-income ratio when deciding your interest rate.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000009\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000009\">\n                <span class=\"luna-accordion__title\">Will shopping for a car loan affect my credit score?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000009\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Credit scoring systems usually count multiple auto loan inquiries within a certain time frame \u2013 typically two weeks \u2013 as one. One inquiry may cause a small, temporary drop in your credit score. But it's better than multiple inquiries.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000010\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000010\">\n                <span class=\"luna-accordion__title\">I have bad credit. Do I need a cosigner to take out an auto loan?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000010\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Not necessarily. Some providers specialize in bad credit car loans, though these typically come with rates in the double digits. You may also qualify for a <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/bad-credit\/get-car-loan-without-cosigner\">car loan without a cosigner<\/a> if other aspects of your application are strong, such as having a consistent income or a large down payment saved up.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000011\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000011\" 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                                                                                                                                                                                                                                                                                                                                                                                                                                                               \n                      \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                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These include your creditworthiness, your income and how much you can afford to pay for a down payment. If you have strong credit and enough disposable income to afford a down payment plus monthly repayments, getting approved isn't difficult.\r\rThe state of the economy can affect how easy it is to get a car loan. If the economy is doing poorly and you work in an industry that's experiencing a lot of layoffs, lenders might be more cautious about giving you a car loan. On the flip side, if the economy is doing well, lenders are typically less concerned about you losing your job and could be more willing to approve you with favourable rates.\r\r"}},{"@type":"Question","name":"What's a good APR for buying a used car?","acceptedAnswer":{"@type":"Answer","text":"\r\rBuying a used car using an auto loan works the same as buying a new car. Calculate the APR by adding the interest rate charged, along with any taxes, costs and fees associated with the vehicle purchase. Remember, the APR you qualify for will depend on your personal credit score, the cost of the vehicle, your debt levels and your down payment.\r\rIf you have excellent credit, expect a good used car loan APR could be as low as 8%. If you have poor credit, then the cost of your used car loan will increase. Borrowers with fair or poor credit shouldn't be surprised to see APRs as high as 29.99%. To minimize costs, be sure to comparison shop and check out all lender options.\r\r"}},{"@type":"Question","name":"Are car loans secured loans?","acceptedAnswer":{"@type":"Answer","text":"\r\rGenerally, yes. <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/secured\" rel=\"noopener noreferrer\">Most car loans are secured with the value of your car<\/a>, which can be repossessed if you stop making repayments. In fact, you typically don't own your car's title until you've paid off your loan entirely.\r\r"}},{"@type":"Question","name":"Do I have to be a Canadian citizen to apply for a loan?","acceptedAnswer":{"@type":"Answer","text":"\r\rUsually, you will need to be a Canadian citizen or a permanent resident. However, landed immigrants can sometimes be approved for car loans. Having a valid Canadian address will likely be the most important factor.\r\r"}},{"@type":"Question","name":"Can I refinance my auto loan?","acceptedAnswer":{"@type":"Answer","text":"\r\rYes. <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/refinancing\" rel=\"noopener noreferrer\">Refinancing can offer you a better rate and lower repayments<\/a> and is an option available from many lenders.\r\r"}},{"@type":"Question","name":"Do I need a down payment for car loans?","acceptedAnswer":{"@type":"Answer","text":"\r\rThis depends on the lender. Check the requirements of the loan before you apply.\r\r"}},{"@type":"Question","name":"Should I lease my car instead of buying it?","acceptedAnswer":{"@type":"Answer","text":"\r\rLeasing a car can be an option to consider if you're looking for a newer model car every two or so years \u2013 just remember you will never have ownership of this vehicle. Repayments will generally be lower on lease agreements but they are harder to get out of than just selling a car under finance, so you need to be sure you'll want the car for the next two years. Learn more with our buying vs leasing a car guide here.\r\r"}},{"@type":"Question","name":"What credit score do I need to get 0% financing?","acceptedAnswer":{"@type":"Answer","text":"\r\rTypically, 0% financing is only available to borrowers with excellent credit scores \u2013 between 800 and 900. Dealers typically also consider aspects of your personal finances like your income and debt-to-income ratio when deciding your interest rate.\r\r"}},{"@type":"Question","name":"Will shopping for a car loan affect my credit score?","acceptedAnswer":{"@type":"Answer","text":"\r\rCredit scoring systems usually count multiple auto loan inquiries within a certain time frame \u2013 typically two weeks \u2013 as one. One inquiry may cause a small, temporary drop in your credit score. But it's better than multiple inquiries.\r\r"}},{"@type":"Question","name":"I have bad credit. Do I need a cosigner to take out an auto loan?","acceptedAnswer":{"@type":"Answer","text":"\r\rNot necessarily. Some providers specialize in bad credit car loans, though these typically come with rates in the double digits. You may also qualify for a <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/bad-credit\/get-car-loan-without-cosigner\">car loan without a cosigner<\/a> if other aspects of your application are strong, such as having a consistent income or a large down payment saved up.\r\r"}}]}]},"article_modified_time":"2026-05-06T10:47:56+00:00"},"custom_fields":{"_masthead_variant":["{\"id\":\"standard-blue\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"show_author_box":["yes"],"_wp_page_template":["page-nb-table-with-filters.php"],"_content_type":["niche-content\/comparison\/niche-homepage"],"_masthead_subheading":["{\"text\":\"Vehicles are expensive, but car loans can help get you behind the wheel. Use our guide to compare car loans in Canada for used and new cars, and learn tips to find cheap car financing. \"}"]},"_links":{"self":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/pages\/992241"}],"collection":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/users\/1275"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/comments?post=992241"}],"version-history":[{"count":11,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/pages\/992241\/revisions"}],"predecessor-version":[{"id":1077300,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/pages\/992241\/revisions\/1077300"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/media\/1040846"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/media?parent=992241"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/tags?post=992241"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}