Avg. Rating: 5.0 (1 review)

Rifco National Auto Finance has been providing Canadians with non-prime auto financing options since 2002. We’ve secured ourselves as one of Canada’s fastest growing auto financing companies due to our personalized service and commitment to building strong, long-lasting partnerships with our dealer partners across the country.

We are auto finance specialists. Our only business is auto financing. This specialization allows Rifco to be more responsive than our competition. Not only do we offer competitive rates, but also friendly, prompt service from professionals who know your business. Presently we lend over $100 million a year to hundreds of dealerships across Canada. Through our growing network of select partners of new and used vehicle dealers, we work hard to close more deals faster and more efficiently than our competitors. Try Rifco and see how good financing can feel.

  • TIME IN BUSINESS: Since 2002
  • LOANS OFFERED: Auto Loans
Visit site and apply via Splash Auto


Suite 500 5000 Gaetz Avenue Red Deer, AB T4N 6C2
Call Center: 7:30am – 6:30pm MST
(Monday, Thursday, Friday)
7:30am – 8:00pm MST
(Tuesday, Wednesday)
Support Offered:
  • Call Center
  • Email
Availability: All of Canada

Products Offered

Below are all the products offered by this company.

Conditions & Rates

Interest rate 9.9% – 31%Amount $5,000 and up Term 24 – 84 months

Eligibility & Documents

Who is eligible

  • Canadian resident
  • Gross monthly income of over $2200
  • Employed full time for 6 months minimum

What you need to provide

  • Proof of Income
  • Three references
  • Driver’s License
  • Void cheque or preauthorized payment form from the bank.

Repayment & Issuance

How fast can you get the money Within 24 hours Funding method We pay the dealer within 24 hours of a loan being confirmed by our funding team. For the client, we work with them directly for payments.How does repayment work Bi-weekly or monthly

Articles About Rifco

By Jared Lindzon

Jared Lindzon is an experienced journalist, writer and public speaker. He specializes in Business, Technology, Lending and FinTech industries in Canada and abroad. Jared is a regular contributor to Smarter Loans and top tier publications around the World, including Fortune Magazine, Fast Company, the Guardian, Rolling Stone, the Globe and Mail, and many more.

Frequently Asked Questions About Rifco

What is Rifco?

Rifco National Auto Finance are auto finance specialists. Their only business is auto financing. They help Canadians with non-prime auto financing and they have been in business since 2002. Rifco is an auto purchase finance company that provides motorists with financing through a network of new and used vehicle dealers operating in all provinces except Quebec.

Is Rifco Safe?

Yes, Rifco National Auto Finance has been providing auto loans since 2002. Rifco has over 100 employees across Canada, with the majority of the team located in Red Deer, Alberta, where their headquarters is located. They are a publicly traded company on the TSX.

What Products and Services Does Rifco Offer?

Rifco offers auto loans through various dealers across Canada.

How Much Can I Borrow from Rifco?

You can borrow $5,000 and up from Rifco.

What Is the Interest Rate on a Rifco Loan?

Rifco auto loans interest rates start at 9.9%, and go up to 31%.

What Is the Term Length for Rifco Loans?

The term length on a Rifco loan ranges from 24 to 84 months long.

How to Qualify for a Rifco Loan?

To qualify for a Rifco loan, you must be a Canadian resident, have a gross monthly income of over $2,200, have been employed full-time for 6 months minimum, and need to provide proof of income, three references, your driver's license and a void cheque.

Can I Apply Online for a Rifco Loan?

Yes, you can apply for a loan from Rifco online, using their online application form.

How Fast Can I Get a Loan from Rifco?

Rifco approves loans relatively quickly and if you are approved then you can receive your loan funds within 24 hours.

How Will Rifco Send Me the Loan?

Rifco sends the loan funds to the dealer that is selling you the car.

How Does Loan Repayment Work at Rifco?

Rifco makes it easy for you to repay your loan. You can pay in office at any of their locations, by e-transfer, pre-authorized payments and even through online banking. All of these repayment options can be set up biweekly or monthly, and/or you can pay more than your set amount without penalty.

Which Provinces Is Rifco Available in?

Rifco works with hundreds of dealers all over Canada, with the exception of Quebec.

What Kind of Customer Support Does Rifco Offer?

You can contact Rifco customer support by email or by phone, and you can also visit their website to use the help centre and blog.

What are Rifco Working Hours?

Rifco has various branch locations, but a majority of their working hours range from Monday, Thursday and Friday from 7:30AM to 6:30PM MST and Tuesday and Wednesday from 7:30AM to 8:00 MST.

Rifco Reviews

Avg. Rating: 5.0 (1 review)
Great relationship

I love the service and the human touch. Rifco is my only lender that really cares about my business, the dealership and my customers


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