Smarter Loans
close
Apply Now
Home › Auto Loan Application

Auto Loan Application

One application. 5 lenders from our 50+ network. Funded in 24 to 48 hours.

5 lenders in our network serve Apply. Borrow $5,000 to $200,000 at 6.93 to 35% APR, with funding as fast as 48 hours. Every lender is subject to the 35% federal rate cap. Rates reviewed August 2026.

Apply Now One application routed to where you qualify.

Your lender options

Every Apply button starts the same single application. Your chosen lender is prioritized first.

Show only lenders I qualify for
Four questions about you, and it filters this list instantly.
Amount: AnyCredit: Any Province: Any Sort: Recommended
★★★★★ 4.5 (14)
Amount
$55,000 - $55,000
Rate
From 8.99% APR
Terms
12 - 96 months
Funding
48 hours
Apply Now View profile
Best for Buyers with poor credit financing a specific higher-value vehicle · Auto loan
★★★★★ 4.4 (5)
Amount
$7,500 - $50,000
Rate
From 7.99% APR
Terms
12 - 96 months
Funding
48 hours
Apply Now View profile
Best for Buyers with fair credit in Ontario and the Maritimes who want an online-first purchase and financing in one place · Auto loan
★★★★★ 5.0 (2)
Amount
$5,000 - $75,000
Rate (APR)
6.99 - 35% APR
Terms
12 - 96 months
Funding
48 hours
Apply Now View profile
Best for Buyers with poor credit who want the widest published rate transparency · Auto loan
★★★★★ 4.4 (5)
Amount
$10,000 - $75,000
Rate
From 7.99% APR
Terms
12 - 96 months
Funding
48 hours
Apply Now View profile
Best for Buyers with poor credit who want a mid-range vehicle and broad provincial coverage · Auto loan
★★★★★ 4.6 (7)
Amount
$7,500 - $200,000
Rate
From 6.93% APR
Terms
96 months
Funding
48 hours
Apply Now View profile
Best for Buyers with poor credit financing a higher-value vehicle over the longest available term · Auto loan

At Smarter Loans, we connect you with top auto financing providers in Canada so you can get approved fast and get behind the wheel of the vehicle of your choice.

Simply fill out the quick form below to get started. 

[ninja_form id=83 — not yet wired]

How It Works:

  • Apply in under 2 minutes - just fill out our quick form
  • We Match You With a Lender - from Canada's most trusted providers
  • Get Funded Fast - Get the vehicle you need in just a few days

Why Apply With Smarter Loans?

  • Find the right auto loan for your needs
  • Get multiple loan offers in one place
  • Only deal with Canada's most reputable companies
  • Protect your credit score - checking your offers doesn't impact your score
One application. 5 lenders. Apply Now