Vehicle price
Separate the negotiated vehicle price from financing, add-ons and trade-in amounts.
CAR FINANCING IN CANADA
A car payment that fits your life—not just the dealership.
Explore financing for a vehicle purchase or take a separate path for an existing car loan. Start with the payment, term and total cost you can actually carry.
Find my car-financing options- Free to use
- No obligation
- No credit check in this form
CLARITY STARTS HERE
A useful question to start withWhat will this vehicle cost in total, including financing and any trade-in debt?
Who handles thisDealers, auto lenders and authorized finance providers
Understand the option, compare the full cost and decide whether a separate application fits your situation.
START WITH YOUR GOAL
What are you trying to do?
Purchase financing and refinancing are different requests. Choose the path that matches your vehicle situation.
Finance a vehicle purchaseExplore a loan for a new or used vehicle you plan to buy.Refinance my current car loanExplore replacing an existing vehicle loan with different financing.I’m having trouble with paymentsStart with your current payment pressure before considering more borrowing.
The next step opens a dedicated DebtHelpers form. It does not check your credit or guarantee approval.
MAKE THE NUMBERS WORK
Compare the whole car loan—not only the payment
A smaller payment can come from a longer loan, which may increase the interest paid and leave you owing more than the vehicle is worth for longer.
Annual percentage rate
Compare the borrowing rate and all financing charges—not only the advertised payment.
Loan term
Ask how many payments you will make and what the loan costs by the final payment.
Trade-in balance
Find out whether debt from another vehicle is being added to the new loan.
Down payment
Check how money paid upfront changes the amount financed and your remaining savings.
Early repayment
Ask whether extra payments are allowed and whether any conditions or charges apply.
PREPARE A STRONGER REQUEST
What to have handy
You do not need to upload documents to use the DebtHelpers form. These details help you prepare for a separate provider conversation.
- The vehicle price and down payment
- Any trade-in value and outstanding loan
- A budget for payments and running costs
- The vehicle price before financing and add-ons
- Your planned down payment or trade-in details
- A monthly payment that leaves room for insurance, fuel and repairs
- Your estimated credit range and regular monthly income
- For refinancing: the current balance, rate, payment and remaining term
YOUR NEXT STEP
Make the payment part of the plan—not the surprise.
COMMON QUESTIONS
Know before you continue
Can I explore car financing with less-than-perfect credit?
You can make an enquiry, but the lender decides whether to approve it and which rate and terms to offer. Compare the total cost carefully, particularly when a higher rate or longer term is proposed.
Is refinancing the same as getting a loan at the dealership?
No. Refinancing replaces financing on a vehicle you already own. Not every purchase-finance provider accepts existing car-loan refinancing, so DebtHelpers keeps the two requests separate.
Will this page check my credit?
No. The DebtHelpers form does not check your credit. A separate provider may request permission for a credit check if you decide to continue with an application.
What is negative equity?
Negative equity means owing more on the car loan than the vehicle is worth. Rolling that amount into another vehicle loan can increase the new balance and total interest.
Vehicle financing reading guide
Start with the question closest to your situation. Each guide covers a separate Canadian borrowing or credit decision.
Related tools and options
Primary sources
Sources provide general context. Availability, provider criteria and individual circumstances determine actual options.