Trusted by More than 2,000,000 Canadians since 2016
Compare 2 vetted lenders — apply in minutes with a single application.
No lenders match these criteria. Try broadening your filters — the closest fit may still be worth considering.
Our technology connects directly with lenders to submit your application where you're most likely to be approved — protecting your credit score and saving you time.
Apply where you're most likely to be approved. Our system analyses your profile against real lender criteria.
One soft credit check instead of multiple hard inquiries. We match you with lenders before they pull your full report.
Our technology is integrated directly with lenders. We handle the paperwork and submit your application to the right places.
We work with lenders who support a wide range of credit profiles, helping borrowers with past challenges access realistic financing options.
Get funded in three simple steps
Apply once through a secure online form in under 5 minutes. We'll ask about you, your funding needs, and basic financial information.
Our platform assesses your application against real lender criteria and routes it to the lender where approval is most likely.
Once approved, funds are deposited directly into your bank account — often within 24-48 hours.
Not one market. Four, and they behave differently.
Motorcoaches. Highway coaches for charter and scheduled service. The largest amounts and longest terms in the category, because service lives run decades and resale is national.
School buses. Frequently tied to a contract with a board, and that contract is part of the credit assessment. Term length is often matched to the contract rather than the vehicle.
Shuttles and cutaways. Hotel, airport and community transport. Smaller amounts, shorter terms, closest to commercial vehicle financing.
Transit and accessible vehicles. Often municipal or agency purchases with their own procurement and funding routes.
A lender active in one is not necessarily active in another.
The vehicle is the security. The operation is what pays.
Passenger transport requires operating authority, and the requirements differ for intra-provincial and extra-provincial service. Federal authority applies to operations crossing provincial or international boundaries.
Safety rating is directly financial here. A poor rating affects contracts, insurance availability and cost, and lenders assess it as part of the operation's viability rather than as a compliance footnote.
Driver licensing and availability. Passenger endorsements are required and drivers are scarce. An operator adding vehicles without drivers to staff them is a risk a lender will see.
Accessibility requirements apply to many services and affect both the specification and the cost of the vehicle.
Used coaches are routinely financed. Service lives are long and the secondary market is active.
What matters more than age is documented maintenance, engine and transmission history, and accumulated kilometres against the service life of the type. A well-documented high-kilometre coach can finance better than an undocumented lower one.
Wheelchair lifts, retarders and drivetrain configuration all affect resale and therefore residual assumptions.
Join over 2 million Canadians who have used Smarter Loans.
Apply Now — It Takes 5 Minutes
