One application. 4 lenders.
Apply Now One application routed to where you qualify.
Every Apply button starts the same single application. Your chosen lender is prioritized first.
No provincial sales tax. Alberta has no provincial sales tax, so a car from a dealer carries only the 5% GST. A private seller charges no GST, so a private sale carries no tax at all.
Every business selling vehicles in Alberta must be licensed by AMVIC. Check the licence before you buy from a dealer you do not know.
Four in our network, from $5,000 to $200,000. Rates start at 6.93% and run up to the 35% federal cap. All four pay out within two days. Three consider poor credit, and one sets no minimum score. Income minimums run from $1,500 to $2,500 a month. Our application reaches all four at once.
More, but under a licence. Alberta's high-cost credit regulation covers any credit at 32% or more. A lender charging that much needs an Alberta high-cost credit licence. It must show you the total cost before you sign.
Compare it first. Dealer financing is convenient, but it is one offer. An approval from a lender before you shop tells you your rate, so you can negotiate on the price of the car alone.
Every car lender we work with is on the car loans in Canada page.
Reviewed by Vlad Sherbatov, Co-Founder and President, Smarter Loans, 4 October 2026. Lender terms checked August 2026.
At a dealer you pay only the 5% GST, and a private sale carries no tax. Alberta has no provincial sales tax.
Four lenders in our network do, from $5,000 to $200,000, and all four pay out within two days.
Yes. Three of the four lenders consider poor credit, and one sets no minimum score.
AMVIC does. Every business selling vehicles in Alberta must hold an AMVIC licence.
The lender must hold an Alberta high-cost credit licence and show you the total cost before you sign.
