{"id":867240,"date":"2020-07-09T17:53:11","date_gmt":"2020-07-09T21:53:11","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=867240"},"modified":"2026-01-16T17:44:51","modified_gmt":"2026-01-16T22:44:51","slug":"subprime-auto-loans","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/car-loans\/bad-credit\/subprime-auto-loans","title":{"rendered":"Subprime auto loans in Canada"},"content":{"rendered":"<p>Is your credit score holding you back from getting a new car? Subprime auto loan providers in Canada can help you secure the financing you need to hit the road.<\/p><p>In this guide, we give you tips on how to find the best subprime car loans and what interest rates to expect with your credit score.<\/p><h3>What are subprime auto loans?<\/h3><p>A subprime auto loan is car financing for borrowers with low credit scores below 660. Since subprime auto loans are offered to risky borrowers, the interest rates can be high. Like other auto financing, subprime auto loans are secured by the used or new car you buy.<\/p><p>Subprime car loans can be helpful for borrowers looking to get behind the wheel of a car while simultaneously improving their credit score. It looks good to lenders if you make repayments on time and in full, which positively impacts your credit report.<\/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\/bad-credit\" style=\"text-decoration:underline; font-size:0.9em;\">Compare the best auto loans for bad credit<\/a>\n<\/div>\n<\/article><h3>What are subprime auto loan interest rates in Canada?<\/h3><p>Interest rates for subprime auto loans in Canada generally range from 12.9%&#8211;29.99%. Here&#8217;s how much financing a $25,000 subprime auto loan could cost with a 16% and 26% APR. This is just an example. Your actual rate and total interest cost could vary.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th scope=\"col\"><\/th><th scope=\"col\">Example 1<\/th><th scope=\"col\">Example 2<\/th><\/tr><\/thead><tbody><tr><td>Loan amount<\/td><td>$25,000<\/td><td>$25,000<\/td><\/tr><tr><td>APR<\/td><td>16%<\/td><td>26%<\/td><\/tr><tr><td>Loan term<\/td><td>60 months<\/td><td>60 months<\/td><\/tr><tr><td>Monthly payment<\/td><td>$607.95<\/td><td>$748.51<\/td><\/tr><tr><td>Total interest paid<\/td><td>$11,477.09<\/td><td>$19,910.70<\/td><\/tr><\/tbody><\/table><h3 id=\"calc\">Can I afford subprime auto loan payments?<\/h3><div class=\"monthlyRepayment_calculator_wrapper\">\n\t<div class=\"calc-header-outer\">\n\t<div class=\"calc-header-container\">\n\t\t<h3 class=\"calc-header\">Car loan monthly payment calculator<\/h3>\n\t\t<span>Calculate how much you could expect to pay each month on a subprime auto loan<\/span>\n\t<\/div>\n\t<\/div>\n\t<div class=\"u-grid\">\n\t\t<div class=\"u-grid__col u-grid__col u-1\/2@s calc-separator\">\n\t\t\t<table class=\"monthlyRepayment_calc-table\">\n\t\t\t\t<thead>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th scope=\"col\" class=\"calc-subheader\">\n\t\t\t\t\t\t\t<div class=\"calc-subheader-text\">Your loan<\/div>\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t<\/tr>\n\t\t\t\t<\/thead>\n\t\t\t\t<tbody>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th scope=\"col\" class=\"padding-top-small\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tLoan amount\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t<div class=\"luna-affix affix-padded\">\n\t\t\t\t\t\t\t\t<span class=\"luna-affix__label\">$<\/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=\"_blank\" 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<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\">How to use this car loan monthly payment calculator<\/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\"><ol><li>Enter the amount you want to borrow under <strong>Loan amount<\/strong> minus your down payment, if applicable.<\/li><li>Write the number of years you have to pay off your car loan under <strong>Loan terms<\/strong>. If your loan term is in months, divide it by 12 first.<\/li><li>Enter your car loan interest rate under <strong>Interest rate<\/strong>. If your car loan comes with fees, enter the annual percentage rate (APR) instead.<\/li><li>Select <strong>Calculate<\/strong>.<\/li><\/ol><\/div>\n  <\/div>\n<\/li><\/ul><h3>How to get the best deal on a subprime auto loan<\/h3><p>Subprime auto loans are expensive, but there are a few steps you can take to reduce the overall cost and ensure you&#8217;re borrowing from a legit lender.<\/p><h4>Compare multiple lenders<\/h4><p>The easiest way to get a good deal\u2014or avoid a bad one\u2014is to compare different lenders. You&#8217;ll see what rates you can expect and get a clear view of potential fees before setting foot on the car lot, helping you make a better decision. Be sure to check customer reviews and complaints for insight into how lenders treat their customers.<\/p><h4>Shop used instead of new<\/h4><p>While used car loans tend to have higher rates than new car loans, buying used means you won&#8217;t need to borrow as much and will have more manageable monthly payments.<\/p><h4>Keep an eye on fees<\/h4><p>Ask potential lenders about fees. Many will charge origination (loan set up), prepayment and late fees that quickly add to the total cost of your loan. Use our <a class=\"scroll\" href=\"#calc\">car loan monthly payment calculator<\/a> to compare the loan costs to get an idea of which offers a better deal.<\/p><h4>Visit the dealership with a loan in hand<\/h4><p>Visiting a dealership with <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/pre-approved-car-loan\" rel=\"noopener noreferrer\">car loan pre-approval<\/a> from another lender can put you in a position to negotiate. You might score a better deal if the salesperson can match or beat your pre-approval offer.<\/p><h4>Apply with a cosigner<\/h4><p>You might be able to score a lower interest rate by applying with a cosigner. However, since they&#8217;re taking on considerable risk if you default, discuss your budget with them and make it clear how you plan to afford the monthly repayments.<\/p><h4>Save up for a down payment<\/h4><p>A large down payment means you can borrow less and save on interest charges. A good rule of thumb is to save up 20% of your car&#8217;s value, but even a 10% down payment can help.<\/p><h3>What do I need to apply for a subprime auto loan?<\/h3><p>Exact eligibility criteria will vary between subprime auto lenders in Canada, but you generally need to meet the following requirements:<\/p><ul><li>Be the age of majority in your province or territory (18 or 19)<\/li><li>Have a Canadian residential address<\/li><li>Have a steady source of income ($1,500 \u2013 $1,800 is recommended)<\/li><\/ul><p>Information you&#8217;ll need to provide at some point in the application process includes:<\/p><ul class=\"list-7\"><li>Your name, contact information and address<\/li><li>Your housing situation (do you rent or own your home, and how long have you lived there?)<\/li><li>Your employment and income details<\/li><li>Valid government-issued ID such as a driver&#8217;s licence or passport<\/li><li>Information about your current debts<\/li><\/ul><h3>How to get a subprime auto loan online<\/h3><ol><li><b>Visit the lender&#8217;s website.<\/b> Fill out your lender&#8217;s online application with basic personal and financial information.<\/li><li><strong>Find out if you qualify.<\/strong> A customer service representative will reach out to discuss your application, including possible interest rates and terms.<\/li><li><b>Gather supporting documentation.<\/b> If you want to move forward, provide documents to verify your application details.<\/li><li><b>Wait for a decision.<\/b> Usually, it takes a day to two to find out if you&#8217;ve been approved for a subprime auto loan.<\/li><li><b>Review and sign the contract.<\/b> If approved, your lender will send you a loan contract for review. This contract contains vital information including your loan term, repayment schedule and interest rate, so take your time reviewing it. If you&#8217;re comfortable, sign and return the contract.<\/li><\/ol><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\/online-car-dealers-canada\" style=\"text-decoration:underline; font-size:0.9em;\">Buying a new car? Check out these online car dealers.<\/a>\n<\/div>\n<\/article><h3>Benefits and drawbacks of subprime auto loans<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4>Benefits<\/h4><ul class=\"list-1\"><li><strong>Purchase a car.<\/strong> Subprime car loans make it possible to buy a car even if you&#8217;re normally rejected by major financial institutions.<\/li><li><strong>Loan terms.<\/strong> Get a loan term of up to 7 or 8 years, but keep in mind that, the longer the term, the more interest you pay overall.<\/li><li><strong>Loan amounts.<\/strong> Some lenders offer up to $75,000.<\/li><li><strong>Compare your options.<\/strong> Many subprime lending platforms, such as those in this guide, allow you to compare multiple subprime auto loans with one application.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>What to watch out for<\/h4><ul class=\"list-3\"><li><strong>High interest rates.<\/strong> Lenders charge high interest rates on subprime car loans, because there&#8217;s a chance that bad credit borrowers will default.<\/li><li><strong>Additional fees.<\/strong> Check if the lender charges an origination fee to process your loan or a prepayment penalty if you repay your loan early.<\/li><li><strong>Risk of default.<\/strong> A high-interest loan is expensive, and your credit score will take a hit if you miss payments.<\/li><\/ul><\/div><\/div><h3>Are there alternatives to subprime auto loans?<\/h3><p>yes, there are two alternatives to getting a subprime auto loan, although both can be risky:<\/p><ul><li><b><a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/unsecured-loans-canada\" rel=\"noopener noreferrer\">Unsecured personal loan<\/a>.<\/b> Unlike an auto loan, you won&#8217;t lose your car if you default on an unsecured personal loan. However, it can be more difficult to qualify for a personal loan, and rates are likely higher than a subprime auto loan since it poses more risk to the lender.<\/li><li><b>Home equity loan.<\/b> If you have equity in your home, you could use it to purchase a car. A home equity loan generally has better rates than a subprime auto loan. But it comes with the risk of losing your house if you default.<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><h4>Should you refinance your subprime auto loan?<\/h4><p>Yes, but only if your credit score has increased since you first got your subprime car loan. <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/refinancing\">Refinancing your auto loan<\/a> once your financial situation has improved can potentially help you lock in better loan terms.<\/p><p>If you qualify for lower rates from a different lender, you&#8217;ll decrease the total cost of your loan. Considering that the average car loan interest rate in Canada is 6.72%, you could save hundreds or even thousands of dollars by switching from a subprime rate of 12.9%\u201329.99%.<\/p><\/div><\/article><h3>Is it safe to borrow a subprime auto loan?<\/h3><p>It depends on the subprime lender and your financial situation. The high rates that typically come with subprime auto loans can be tough to pay. Missing payments could lead to hefty late fees or even repossession of your car.<\/p><p>Subprime loans are especially risky if you borrow from a buy-here, pay-here dealership, which are less regulated than other lenders. Not every dealership offering subprime auto loans is shady, but you should still research customer complaints on sites like the Better Business Bureau and Trustpilot. If you go with dealership financing, look for hidden fees or clauses in your contract.<\/p><p>Lookout for subprime lenders pushing large loan amounts and absurdly high rates. It could be a sign the lender is banking on you defaulting and plans to sell your debt for a profit. Protect yourself from predatory lending by comparing all your options, borrowing only what you need and avoiding anyone who pressures you to sign or has unclear terms. Also <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/common-car-loan-scams\">learn about car loan scams<\/a> you could encounter.<\/p><h3>Bottom line<\/h3><p>Subprime auto loans can be beneficial if you have no other options. <a class=\"scroll\" href=\"#comparison-table\">Comparing lenders<\/a> and paying close attention to the terms of your contract can ensure you&#8217;re not taken for a ride. To learn more about how it all works, check out <a href=\"https:\/\/www.finder.com\/ca\/car-loans\" rel=\"noopener noreferrer\">our guide to car loans<\/a>.<\/p><h3>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\">What do I do if I can't repay my subprime 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-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>If you're unable to repay your subprime car loan, contact your lender immediately to discuss your options. They may be willing to extend your loan term to help make your monthly payments more affordable. Just keep in mind this will increase the total cost of your loan.<\/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 credit score is too low for 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-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>There's no credit score that is too low for a car loan. If your credit score is under 500 and you can't qualify for some subprime auto loans, you might qualify for financing with a bad credit car loan provider.<\/p><p>These lenders consider your income more than your credit score. Bear in mind that, like subprime auto loans, bad credit car loans come with high interest rates. Learn more in our guide to <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/bad-credit\/get-car-loan-without-cosigner\">getting a car loan with bad credit and no cosigner<\/a>.<\/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\">Will having bad credit affect my car insurance rates?<\/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>Unfortunately, it might. Depending on your province, having a poor credit score could raise your <a href=\"https:\/\/www.finder.com\/ca\/car-insurance\">car insurance<\/a> rate.<\/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=\"lazy0000000004\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000004\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>Explore subprime car loans in Canada, including rates, risks and alternatives for financing your next set of wheels.<\/p>\n","protected":false},"author":1000,"featured_media":1040653,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[107111],"tags":[78923,5832,5439],"asset_tag":[],"class_list":["post-867240","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bad-credit","tag-bad-credit","tag-car-loans","tag-latest-3"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Subprime Auto Loans in Canada: Rates &amp; Lenders | Finder Canada<\/title>\n<meta name=\"description\" content=\"Compare subprime auto lenders in Canada. 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