Bad credit Car Loans in Canada
Auto financing for new and used vehicles across Canada.
Free · No obligation · Won't affect your credit score · SSL encrypted
Car Loans for Canadians
Lenders here weigh your current income and affordability rather than your credit score alone, so a low score or past missed payments do not automatically disqualify you.
Auto financing basics
Across Canada, Aarao helps borrowers understand auto financing basics. Every offer shows the full cost in plain language before you commit, and the exact limits depend on your province or territory.
New vs used vehicle loans
Across Canada, Aarao helps borrowers understand new vs used vehicle loans. Every offer shows the full cost in plain language before you commit, and the exact limits depend on your province or territory.
Credit profiles and approvals
Across Canada, Aarao helps borrowers understand credit profiles and approvals. Every offer shows the full cost in plain language before you commit, and the exact limits depend on your province or territory.
Down payment and trade-in
Across Canada, Aarao helps borrowers understand down payment and trade-in. Every offer shows the full cost in plain language before you commit, and the exact limits depend on your province or territory.
Loan term and monthly payment
Across Canada, Aarao helps borrowers understand loan term and monthly payment. Every offer shows the full cost in plain language before you commit, and the exact limits depend on your province or territory.
Car Loans by Province
Although car loans follow the same federal 35% APR cap nationwide, lender availability and local options vary. Select your province or territory to see car loans where you live.
Car Loans FAQs — Canada
Auto-financing partners · secured. $1,000–$50,000. Fast e-Transfer funding.
Apply Free →Contact our team →Responsible borrowing: Borrow only what you can repay. If you are struggling with debt, contact the Credit Counselling Society at 1-888-527-8999 — a free, non-profit service.