Ontario's trusted auto financing
Car financing in Ontario for every kind of credit.
Apply online in two minutes, get a real approval — bad credit, no credit, bankruptcy, or brand new to Canada. Then pick a vehicle you love and drive away. No pressure, no hidden fees, no obligation.
- Free, no-obligation application
- Decisions in minutes
- $0 down options, O.A.C.
Approval received
Sarah M. · London, ON
2022 Honda Civic
$212 /bi-weekly
72 mo · 8.99% APR
O.A.C.
- Ontario drivers approved
- 12,400+
- Application approval rate
- 96%
- Down payment options available
- $0
- Average customer rating
- 4.9/5
How it works
From application to driveway in three simple steps
Skip the dealership runaround. The whole process happens online or over the phone — most customers go from applying to driving in under 48 hours.
Apply online in 2 minutes
Tell us about your budget and situation. It's free, there's no obligation, and it takes about two minutes from your phone.
Get approved & pick your vehicle
A dedicated approvals specialist matches your approval to sedans, SUVs, trucks, and EVs from our Ontario dealer network.
Sign and drive away
Review clear, upfront terms — rate, term, and total cost. Pick up your vehicle or have it delivered to your door.
Payment calculator
Know your payment before anyone pulls your credit
Real Ontario numbers: 13% HST included, honest APR ranges by credit tier, and terms from 36 to 84 months.
Loan term
Where does your credit stand?
Your estimated payment
$269 /bi-weekly
- Estimated APR
- 10.99%
- Term
- 72 months
- 13% HST
- $3,640
- Amount financed
- $30,640
- Total cost over term
- $42,979
Estimate only, on approved credit. Includes 13% Ontario HST; excludes licensing. Your actual rate depends on lender approval — applying is free and comes with no obligation.
Every credit story welcome
Your credit history isn't your credit future
Two out of three applications we approve come from outside traditional prime lending. Whatever brought you here, a partner dealership can help you explore financing options for your situation.
Bad Credit
A low score doesn't end the road. Second-chance auto financing through a partner dealership can help you get on the road with rates that rebuild your credit.
No Credit History
Never borrowed before? Thin files are our specialty — students, young drivers, and first-time buyers get real approvals.
Bankruptcy (Discharged)
A discharged bankruptcy is a fresh start. A partner dealership can often help with discharged bankruptcies the same day you apply.
Consumer Proposal
Currently in or recently completed a consumer proposal? You can still finance a reliable vehicle while you rebuild.
New to Canada
No Canadian credit file yet? Newcomers with proof of income and residency are approved every single day.
Self-Employed
Contractors, gig workers, and business owners — we verify income your way, from invoices to bank statements.
Fixed Income & Pension
ODSP, CPP, OAS, pensions, and EI count as income here. Your paycheque type doesn't decide your approval.
Divorce or Life Change
Major life transitions can bruise a credit file. We look at where you're going, not just where you've been.
Real Ontario drivers
Approval stories from across the province
A 4.9/5 average from drivers who were told “no” somewhere else first.
“My bank quoted me 19% and acted like they were doing me a favour. I filled out the form on a Tuesday night, got a call Wednesday morning, and signed for the Elantra on Friday at nearly half that rate.”
Renaldo F.
Brampton, ON · 2022 Hyundai Elantra
“Nobody had ever explained a car loan to me before. My specialist walked through the total cost and the bi-weekly amount in plain English, twice. I never once felt rushed or dumb for asking.”
Chloe B.
Barrie, ON · 2021 Nissan Rogue
“Two kids, one income, and a credit score that took a beating a few years back. They found us an approval that left room in the budget for groceries. The whole thing happened over text and email.”
Imran & Sofia H.
Mississauga, ON · 2022 Volkswagen Tiguan
“I figured being 1,400 km from Toronto would be a problem. It wasn't. Approved Monday, truck in my driveway Thursday. The paperwork took twenty minutes on my phone at the kitchen table.”
Wayne D.
Thunder Bay, ON · 2021 Ram 1500
“Fresh out of school, first real job, zero credit history — my own bank basically laughed at me. These folks asked for one pay stub and had me driving to work in my own car within the week.”
Tamara L.
Hamilton, ON · 2023 Kia Forte
“I've bought trucks from dealerships for thirty years and always dreaded the finance office. Doing it online here took one afternoon, and the rate beat what my usual dealer offered last time around.”
Jose M.
Windsor, ON · 2020 Ford F-150
Questions, answered
Ontario car financing FAQ
Yes. Bad credit car loans are our specialty. DriveAway.ca is a free Ontario lead-generation site that connects you with a partner dealership for auto financing based on your current income and stability — not just your credit score. Every on-time payment helps rebuild your credit.
Ready to see what you're approved for?
Two minutes, completely free, and zero obligation. Join 12,400+ Ontario drivers who found their yes here.
DriveAway.ca is Ontario's trusted home for car loans and auto financing — serving Toronto, Ottawa, Mississauga, Brampton, Hamilton, London, Kitchener-Waterloo, Windsor, Sudbury, Thunder Bay, and every community in between. Whether you have excellent credit, bruised credit, no credit history, a discharged bankruptcy, or a consumer proposal, DriveAway.ca connects you with a partner dealership for auto financing. Apply in two minutes — completely free, with no obligation.