Every credit situation welcome

Find your car loan
in under 24 hours.

Whatever your situation — first-time buyer, bad credit, bankruptcy, newcomer or self-employed. We connect you with a network of specialized auto lenders to find an option that fits.

No impact on your credit score
Answer in under 24 hours
100% free
Available across Canada

See if I qualify — 60 seconds

Person receiving car keys at a dealership

Fast answer
Most within 24 hours

No credit impact
Soft check only

How it works

It's simple. It's fast. It's free.

Answer a few quick questions and we do the rest. You get an answer in under 24 hours.

Answer a few questions

In 60 seconds. We learn your situation (vehicle, credit, employment). No impact on your score.

We look for the right lender

We match your profile against a network of specialized lenders. You get an answer in under 24 hours.

Explore your options

If a lender is a fit, a partner walks you through the options and, when approved, helps you pick your vehicle.

We may have an option, even if...

Many of the people who apply with us have gone through at least one of these situations. You're not alone.

You've never borrowed before
You've filed for bankruptcy
You're in an undischarged bankruptcy
You have late payments on file
You were turned down by a bank
You did a voluntary repossession of your last vehicle
You're working with a trustee on a consumer proposal with your creditors

See if you qualify — 60 seconds

A car brings back freedom — for work, family and everyday life.

See if I qualify

Get matched in about a minute.

Answer a few quick questions. We look for the right lender for your profile. Requesting a match does not affect your credit score.

Soft credit check Requesting a match does not affect your credit file

Fast answer Most applicants get a response in under 24 hours

100% confidential Encrypted data. PIPEDA-compliant privacy.

Complete every step Finishing all the questions helps us match you with the right lender for your profile.

By submitting, you ask to be connected with one or more lender or dealer partners (through LeadScout), who may contact you by phone, email or SMS. This is a request to be matched — not an offer, a guarantee of financing, or an approval. Any offer is subject to a lender's review and full credit check. See our Privacy Policy, Consent and Terms.

Why Auto Finance Solution

We do things differently.

We're not a bank that judges you or a dealer pushing a car on you. We're an independent service that helps connect you to a lender that fits your profile.

No impact on your credit

Requesting a match uses a soft credit check. No mark on your file. No drop in your score.

Answer in under 24h

We match your profile against a network of specialized lenders across Canada. You get your answer fast.

Coast to coast

We work with lenders across Canada. Wherever you are, we look for options that work with your situation.

Private and secure

Data encrypted in transit and at rest. PIPEDA-compliant. Never sold to unrelated third parties.

100% free for you

Our service costs you nothing. The final lender pays for the introduction — not you.

Every credit profile

Bad credit, no credit, discharged bankruptcy, consumer proposal, newcomer. We look for options for your profile.

FAQ

Your questions, our answers.

Will my request affect my credit score?

No. Requesting a match uses a soft credit check that does NOT appear on your credit report and does NOT affect your score. A hard inquiry is only done later by a lender if you move forward with a specific offer.

Is it really free for me?

Yes, 100%. Our service is completely free for consumers. Our partners pay us a referral fee — you never pay us anything.

How long before I get an answer?

You typically get an answer in under 24 hours. For more complex profiles (recent bankruptcy, mixed income, newcomer), it can take 48-72 hours.

I'm in bankruptcy or a consumer proposal. Can I still apply?

Yes. Several specialized partner lenders consider profiles with a discharged bankruptcy (even recent) or an active consumer proposal. Approval and rate are always up to the lender, but it's worth checking your options.

Which lenders do you work with?

We work with a network of specialized auto-finance lenders operating across Canada. Depending on your profile, we route your request to the lenders most likely to have a fit. You're never obligated to accept an offer.

Why would you ask for my SIN?

We do NOT ask for your SIN in the initial form. A SIN is only requested later by a lender if you accept a specific offer and they run the hard inquiry — a standard legal requirement at that stage.

Is my information secure?

Yes. Your data is encrypted in transit and at rest. We comply with PIPEDA, Canada's federal privacy law, and share your information only with LeadScout and its lender/dealer partners to process your request. We NEVER sell your information to unrelated commercial third parties.

What happens if no lender is a fit?

If none of the partner lenders can offer an option at that time, you're under no obligation. You can improve your file and re-apply later at no cost.

What minimum income is usually required?

Most lenders look for a gross monthly income of at least $1,500-$2,000. Some consider lower income with a co-signer (parent, spouse, etc.). Requirements are set by each lender.

Self-employed, Uber or DoorDash — does that work?

Often, yes. Several partner lenders understand self-employment income, gig-platform income (Uber, DoorDash, Lyft) and contract work. Some even have dedicated programs.

I'm a newcomer to Canada. Am I eligible?

Possibly. Some lenders offer newcomer programs for people with stable employment, even without a long Canadian credit history. Eligibility is decided by the lender.

Do I have to go to a specific dealership?

It depends on the lender. In many cases we point you to partner dealerships that match the lender considering your request; in some cases you can bring a vehicle you've already found.

Find your car loan
in under 24 hours.