The process was simple and respectful. I was approved without the usual dealership runaround.
CassidyToronto, ON
Get driving now.All credit accepted.
Find out what vehicles you're eligible for today.No money down needed
No SIN required to pre-qualify
No obligation
All credit accepted
How it works.
2 minute application
A few questions about you and your budget. Nothing to download, nothing to pay, and no documents to dig up before you start.Work with a loan provider
One of our loan providers reviews your application and walks you through what you qualify for — in plain language, before you commit to anything.Pick up your new car
Shop knowing what you can spend, sign at the dealership, and drive away. Your financing is already settled, so there is no waiting on an answer at the counter.Browse by make
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What should you expect?
The parts of car financing people dread most are the parts we took out.No money down needed
Your application does not hinge on having cash saved up. Put money down if it suits your budget — it is an option here, not a requirement.No SIN required to pre-qualify
See where you stand before you hand over sensitive information. Pre-qualifying asks for your situation, not your Social Insurance Number.No obligation
Finding out what you qualify for costs nothing and commits you to nothing. If the numbers do not work for you, you are free to walk away.All credit accepted
Bad credit, no credit, a past bankruptcy or a consumer proposal — you can still apply. We work with lenders who look at more than a score.Get pre-approved before you shop!
Avoid rejection and disappointment by car shopping AFTER your finances are approved.Get startedOur offerings
Everything you need to work out the numbers before you talk to a dealership.Car loan calculator
Try different amounts and terms to find the monthly payment you are comfortable with, before anyone asks you to sign anything.Apply nowGet pre-approved
Find out what you qualify for using a soft credit check — the kind that does not affect your credit score.Apply nowTrade-in estimate
See what the vehicle you drive today is worth, and how much it could take off the price of your next one.EstimateInsurance quotes
Compare auto coverage with Sonnet so insurance is sorted before you pick up the keys, not after.Get quotePersonal loans
When what you need is not a vehicle, our partner Lendie handles personal loans for the rest of life's expenses.Apply nowMortgage & refinancing
Buying a home or refinancing one? Our mortgage partner can look at those options with you too.Apply nowWhat our clients say
We knew our budget before we walked into a dealership. That changed everything.
Xavier and EliseMississauga, ON
Clear communication and a rate that actually fit our life.
Marcel and JackieHalifax, NS
Our partners
We work with the top names in the automotive and finance industry