Compare Used-Vehicle Loan Options from Multiple Trusted Lenders
We help match your application with lenders that finance used vehicles every day. One application. No obligation. Reviewed efficiently to identify available options based on your credit and the vehicle you choose.
Rates shown reflect common outcomes for used vehicles and vary based on credit profile, vehicle, term, and lender underwriting.
*Rates as of December 2025. Subject to lender approval. OAC.
We work with a network of 100+ Canadian dealers that specialize in used-vehicle financing, including banks, credit unions, and alternative finance providers. We match you to the best dealer for your situation—geographically and financially—to identify competitive options that fit your credit profile and the vehicle you're considering.
Used-vehicle financing is different than new-car promotions. Our team understands how lenders price used vehicles and works to position your application as strongly as possible.
We help structure your loan — down payment, term length, and vehicle selection — to improve approval odds and keep payments manageable for used vehicles.
Illustrative example only — not a guaranteed outcome
Example: $25,000 used-vehicle loan over 60 months
| Scenario | APR | Monthly | Total Interest |
|---|---|---|---|
| Example Higher-Rate Used Loan | 14.99% | $593 | $10,580 |
| Example Lower-Rate Used Loan | 8.49% | $514 | $5,840 |
*Examples shown for illustration only. Actual results vary based on lender approval, credit profile, vehicle age, and loan structure.
Estimates shown for educational purposes only. Final approvals and rates are determined by the lender.
See exactly what you can afford based on your credit situation
Estimates shown for educational purposes only. Final approvals and rates are determined by the lender.
Your Estimated Monthly Payment
$309
per month for 60 months
Interest Rate
14.99%
APR
Loan Amount
$13,000
Principal
Total Interest
$5,552
Over 60 months
Total Cost
$18,552
All payments
Credit Score Improvement
After 5 years of on-time payments, your credit score could improve by 120+ points, reaching approximately 670!
Important: Rates and terms are estimates for educational purposes only. Actual rates may vary based on your complete financial profile and lender underwriting.
Example Scenario 1
500 Credit Score
$15,000 vehicle, $2,000 down, 60 months
→ $344/month
Example Scenario 2
550 Credit Score
$20,000 vehicle, $3,000 down, 60 months
→ $422/month
Example Scenario 3
600 Credit Score
$26,500 vehicle, $4,000 down, 60 months
→ $535/month
Example Scenario 4
525 Credit Score
$20,000 vehicle, $0 down, 60 months
→ $486/month
$15,000 vehicle
$2,000 down
60 months
$20,000 vehicle
$3,000 down
60 months
$26,500 vehicle
$4,000 down
60 months
*Examples shown for illustration only. Actual results vary.
Lower used-vehicle rates typically require stronger credit, a reasonable down payment, and a vehicle that meets lender guidelines. We also look for ways to improve approval outcomes when credit is less than perfect.
We may perform an initial review to estimate options. Final lender submissions require a standard credit inquiry, which typically has a small, temporary impact.
In some cases, rates can improve based on down payment, loan term, vehicle choice, or a co-signer. We help structure your application to present the strongest possible profile.
Rate offers are typically valid for a limited time, often 30–60 days, depending on the lender and market conditions.
Important Disclaimer
Rates vary based on credit profile, vehicle age, and other factors. Advertised rates may not be available to all applicants. Final approval and terms are determined by the lender based on your individual situation, including credit history, income, down payment, vehicle selection, and loan term. All financing is subject to lender approval.
No-obligation used-car loan review in minutes
Review My Used-Car OptionsQuestions? Call: 1-888-660-8663