Financing that fits your budget
Estimate a payment, then request financing options. Approval, APR, term, down payment, vehicle, and credit-check requirements depend on the lender.
- APR
- Compare the rate
- Term
- Count every month
- Total
- Know borrowing cost
Calculator results are illustrative, not a lender offer or approval.
Payment calculator
Tap an amount to type it, or use the slider for a quick estimate.
$438/mo
Bi-weekly
$202
Financed
$25,000
Total paid
$31,551
Estimate only, on approved credit. Excludes taxes, licensing and fees. Final terms depend on lender approval.
Start online
Send the basic details first. We explain the lender-application and consent step before a credit check is requested.
Credit check explained
Ask whether the next step is expected to use a soft or hard inquiry. A hard inquiry can affect a credit score.
Different situations considered
Established credit, a short Canadian credit file, or past challenges can be reviewed. No approval is guaranteed.
Compare the full offer
Review APR, term, amount financed, total borrowing cost, down payment, and vehicle conditions together.
Get pre-approved
Send the starting details and our finance team will explain the next lender application, documents, and credit-check consent step. No rate or approval is guaranteed.
Financing questions, answered
Will applying affect my credit?
It can. Ask whether the specific next step uses a soft or hard inquiry before you consent. A hard inquiry may affect your score. Sending an initial inquiry is not an approval and does not authorize every lender to access your credit.
What credit score do I need?
There is no single score that guarantees approval. Lenders can review income, employment, housing costs, existing debt, credit history, down payment, term, and the selected vehicle. The lender sets its own criteria.
How much should I put down?
A down payment can reduce the amount financed, but a lender may require a particular amount or set other conditions. Compare the payment and total borrowing cost at different down payments before deciding.
Can I include a trade-in?
Absolutely. Your trade-in value can be applied directly to your down payment, reducing what you finance. Start on our Sell / Trade page.