Approvals Canada

Get into the vehicle you need. We work it with you.

Tell us what you need. We take your application, work it with banks and , and arrange your vehicle through our dealer partners. A no from one lender is not the end of the road.

  • Banks and non-bank lending partners
  • One short request
  • No obligation to accept an offer

Will this hurt my credit? With your consent, we obtain your credit report from Equifax. Sending a request alone does not involve a credit check.

We are not a lender. We work it with you.

You deal with us directly. We work your application with our lending partners and, for vehicles, arrange your vehicle through our dealer partners.

  1. Tell us what you need

    What you need, where you live, and a rough idea of your credit. It takes a couple of minutes.

  2. We work your application

    With your consent we may obtain your credit report, then submit your application to our lending partners, banks and non-bank lenders.

  3. You choose

    Pick the offer that fits, or walk away. If you go ahead with a vehicle, we arrange it through our dealer partners. Nothing is final until you accept a lender's terms.

Auto financing, worked directly with you

Start with an auto loan or refinance the one you have. Both begin the same short request.

Rates, savings and approval depend on your situation and the lender. Nothing on this page is a guarantee or an offer of credit.

A bank decline does not have to be the last word

Banks and look at applications differently. We work with both, so a no from one does not end the conversation.

Banks

Familiar names and traditional rules.

  • Often work best for strong, established credit.
  • Usually follow standard approval rules.
  • A good first comparison.

Non-bank lenders

Specialists with a wider range of rules.

  • May look at more than a credit score.
  • Can be an option after a bank says no.
  • Terms vary, so compare carefully.

Approval, rates and terms are decided by each lender and are not guaranteed. Always read the full terms before you accept.

Know your payment before you ask

Move the sliders to see an estimated monthly car payment. The rate is your guess, not an offer.

  • A longer term lowers the payment but usually costs more interest.
  • A bigger down payment lowers both.
  • Your lender sets the real rate. Try a few.

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Amount financed
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Total interest
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Estimate only, before taxes and fees. Not a quote or an offer of credit. Your lender sets the real rate and terms.

Check car loan options

Plain about what we do

  • Not a lender

    We work with you and with our lending partners. Lenders make the credit decision and set the terms.

  • Your details have a purpose

    We use what you share to work your application with lenders and dealers. See our privacy policy.

  • No obligation

    Sending a request does not commit you to any lender or product.

Common questions

Not here? Contact us.

Is Approvals Canada a lender?

No. We work with you directly on your application and with our lending partners. Each lender makes its own credit decision and sets its own rates and terms.

Can I still get a car loan if a bank turned me down?

Possibly. Lenders use different rules, and non-bank lenders may look at more than a credit score. Approval is never guaranteed.

Will sending a request hurt my credit?

With your consent, we obtain your credit report from Equifax. Sending a request alone does not involve a credit check.

Which products can you help with?

We help with auto loans and with refinancing an auto loan you already have.

What information will I need?

What you need, how much, your province, a rough idea of your credit, and how to reach you. If you go ahead, we may ask for more to complete your application, and with your consent we may obtain your credit report.

Can I talk to someone first?

Yes. Tap Call us and we will pick up the main line.

Non-bank lenderA finance company that is not a bank. Many look at more than your credit score, such as your income and job history.