"The form was quick and clear. I knew what to expect before moving ahead."
âââââ
Find your car loan match with one simple request
Apply once and compare auto financing options for buying a vehicle, replacing your car, or reviewing a current auto loan.
Get matched in under 2 minutes đ
Secure
"I needed a practical option fast and did not want to fill out the same details over and over."
âââââ
"It felt simple: enter the basics, review the path, then decide."
âââââ
How it works
Simple from start to finish.
A focused online flow helps you move from loan amount to lender path without extra clutter.
1
Choose your amount
Start with the vehicle budget or refinance amount that fits the car decision in front of you.
2
Share the basics
Answer a few guided questions so auto financing partners can understand your request and eligibility.
3
Review your next step
Continue only if the financing path, amount, payment, and terms make sense for your situation.
By the numbers
Built for car shoppers and real Canadian financing needs.
Final approval, timing, amounts, rates, and vehicle financing terms are always set by the lender.
<1 hr
Average time to approval for many completed online applications.
2k+
Canadians helped daily through the FindMyRate matching experience.
$100+
Flexible vehicle financing requests, with amounts available up to $50,000.
FAQ
Questions before you apply?
Here are the details people usually want before starting a loan request.
Does starting here affect my credit score?
Starting your request through FindMyRate is designed to be simple and low pressure. Any formal credit check, and whether it is soft or hard, depends on the lender and the step you choose to take with them.
How much can I request?
The form supports car financing requests from $500 to $50,000. The final amount available to you depends on lender review, eligibility, vehicle details, and provincial requirements.
How fast can I get approved?
Some completed requests can move quickly, though timing varies by lender, vehicle details, application information, verification needs, and banking hours.
What do I need to apply?
You will usually need basic contact details, your address, income information, employment details, and vehicle or purchase information if you continue with a lender. Requirements can vary by provider.
Can I apply with bad or limited credit?
You can still start a request. Auto financing partners may review income, affordability, banking history, province, vehicle details, and repayment ability. Approval is never guaranteed.
What can I use a car loan for?
Common uses include buying a used car, buying a new car, replacing a vehicle, or reviewing refinancing options for an existing auto loan. The lender may ask for vehicle details during review.
Does FindMyRate charge a fee?
No. FindMyRate is free for users. We may receive referral compensation from partners, which helps keep the comparison and matching experience available at no cost to you.
How do repayments work?
Repayment schedule, due dates, fees, interest, and total cost are set by the lender. Always review the lender's agreement carefully before accepting an offer.
Is my information secure?
We use your submitted information to help match you with relevant lending options and operate the request flow. If you continue with a provider, the information needed to process your request may be shared with that provider.
Do I have to accept an offer?
No. Starting a request does not mean you have to accept a car loan. You should only continue if the amount, payment schedule, fees, and lender terms make sense for your situation.
Is FindMyRate a lender?
No. FindMyRate.ca is a comparison and matching website. We are not a lender, bank, insurer, broker, or financial advisor, and we do not make final credit decisions.