Car Deal Canada

Is Legit?

Is Legit?

In the digital age, the world of auto financing has undergone a significant transformation. As more Canadians embrace online services for convenience and accessibility, online auto loan providers like have gained traction across the country. These platforms offer a streamlined process for securing vehicle financing, often catering to individuals with less-than-perfect credit histories who may face challenges with traditional lenders.

However, the emergence of these online auto loan brokers has also sparked skepticism and concerns among consumers. Stories of predatory lending practices, hidden fees, and outright scams have made some Canadians wary of entrusting their financial well-being to these relatively new players in the industry. The anonymity and lack of face-to-face interactions inherent in online transactions can breed uncertainty, leaving many to question the legitimacy and trustworthiness of these digital lenders.

It is against this backdrop of convenience and caution that operates, offering its services to Canadians seeking auto financing solutions. In this comprehensive analysis, we will delve into the inner workings of Carloans411, examining its reputation, business practices, and customer feedback. Our goal is to provide transparency and insight, empowering consumers to make informed decisions about whether this online auto loan provider is a legitimate and trustworthy option for their vehicle financing needs.

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About Carloans411 is a Canadian online auto loan broker that has been operating since 2008, making it one of the pioneers in the industry. With over 15 years of experience, the company has established a solid reputation for helping Canadians secure vehicle financing, even those with poor credit or limited options from traditional lenders.

Based in Toronto and Vancouver, Carloans411 acts as a middleman, connecting car buyers with a network of lenders, including banks and other financial institutions. The company’s primary service is its online application process, where customers provide details about themselves and their desired vehicle. Carloans411 then uses this information to match applicants with potential lenders, presenting them with pre-approved loan options.

One of the key advantages of Carloans411 is its flexibility. The company does not limit its services to specific vehicle brands or types, allowing customers to shop for any make and model they desire. Additionally, Carloans411 caters to individuals with less-than-perfect credit histories, providing an opportunity for those who may have been turned down by traditional lenders.


Assessing Carloans411’s Reputation

When evaluating the legitimacy of an online business, particularly one dealing with financial services, examining its reputation is crucial. In the case of, several factors suggest a positive standing within the industry.

First and foremost, Carloans411 has been in operation since 2008, giving it a substantial history spanning over 15 years in the auto financing sector. This longevity alone speaks volumes, as fly-by-night operations or outright scams rarely maintain a presence for such an extended period.

Furthermore, Carloans411 maintains physical office locations in major Canadian cities like Toronto and Vancouver. While having an online presence is convenient, the existence of brick-and-mortar offices lends credibility and a sense of permanence to the company.

Another positive indicator is Carloans411’s presence on reputable third-party review platforms like Trustpilot, where the company has garnered numerous positive reviews from verified customers. These reviews, left by individuals who have directly interacted with Carloans411, provide valuable insights into the company’s business practices and customer service.

Additionally, Carloans411 is listed on well-established business directories such as, further solidifying its standing as a legitimate entity operating within Canada’s auto financing landscape.


Understanding Carloans411’s Services operates as an online auto loan broker, connecting Canadian car buyers with a network of lenders willing to provide financing. Rather than applying for a loan directly with a bank or dealership, Carloans411 allows customers to submit a single application that gets matched with multiple potential lenders. This service is particularly valuable for those who may struggle to get approved through traditional channels due to credit issues or other challenges.

The process begins with the applicant filling out a short form on the Carloans411 website, providing details about their financial situation, desired vehicle, and credit history. The company then runs this information through its lender network to generate potential loan offers. Applicants can review the available options, compare interest rates and terms, and select the lender that best meets their needs.

One of Carloans411’s key selling points is its willingness to work with borrowers across the credit spectrum, including those with poor, challenged, or no credit history at all. While having good credit will typically yield the best rates, the company prides itself on giving even high-risk applicants a fair shot at getting approved for an auto loan.

Additionally, Carloans411 doesn’t restrict the types of vehicles customers can finance. Whether buying new or used, from a dealership or private seller, the company’s lenders are open to providing loans for virtually any make, model, or year. This flexibility allows buyers to secure financing for their desired vehicle rather than being limited to specific brands or dealers.


What Carloans411 Customers Are Saying

To gain valuable insights into the legitimacy and practices of Carloans411, it’s essential to analyze customer reviews and feedback. While no company is perfect, examining real user experiences can shed light on their operations, service quality, and overall trustworthiness.

On the positive side, many Carloans411 customers have praised the ease and convenience of the application process. Numerous reviews highlight the friendly and helpful nature of the company’s representatives, who guide applicants through the steps and provide clarity on available options. This level of customer service is commendable, especially in an industry where complex financial transactions can be daunting for some individuals.

A recurring theme in positive reviews is the ability of Carloans411 to approve individuals who were previously denied financing by traditional lenders or dealerships. Several customers have expressed gratitude for the opportunity to secure a vehicle loan despite having less-than-perfect credit histories. This accessibility is a significant advantage for Carloans411, as it caters to a broader range of consumers who might otherwise struggle to obtain financing.

Furthermore, many customers have reported securing reasonable interest rates through Carloans411, even with credit challenges. This is a testament to the company’s network of lenders and their ability to match borrowers with suitable financing options. Affordable rates can make a significant difference in the overall cost of vehicle ownership, making Carloans411 an attractive choice for budget-conscious consumers.

However, it’s essential to acknowledge that not all customer experiences have been flawless. Some negative reviews mention instances of pushy sales tactics or aggressive follow-up calls from Carloans411 representatives. While these complaints are not universal, they serve as a reminder that the company’s sales practices may not align with every consumer’s preferences or expectations.

Additionally, a few customers have reported dissatisfaction with the loan terms or fees associated with their financing agreements. It’s crucial for borrowers to carefully review and understand the terms and conditions before committing to any loan, as hidden fees or unfavorable terms can negate the perceived benefits of the financing arrangement.

Overall, the customer reviews and feedback present a mixed picture of Carloans411. While many individuals have had positive experiences and successfully secured financing through the company, others have encountered issues or felt dissatisfied with certain aspects of the process. As with any financial decision, it’s advisable for consumers to exercise due diligence, compare multiple options, and thoroughly understand the terms and conditions before proceeding with Carloans411 or any other auto loan provider.


Carloans411’s Innovative Approach Compared to Banks

While traditional banks and lenders often have stringent credit requirements that make it difficult for those with poor credit to secure auto financing, Carloans411 takes a more inclusive approach. The company’s business model is centered around serving Canadians who may have faced credit challenges in the past or have a less-than-perfect credit score.

Unlike major banks that typically rely heavily on credit scores and rigid approval criteria, Carloans411 evaluates each applicant’s unique circumstances. The company recognizes that a low credit score doesn’t necessarily paint the full picture of an individual’s financial situation or their ability to make regular loan payments.

By considering factors beyond just credit scores, such as employment history, income stability, and overall debt load, Carloans411 can provide financing opportunities to those who might otherwise be denied by traditional lenders. This approach levels the playing field and gives Canadians with credit blemishes a fair chance at securing the vehicle they need.

Moreover, Carloans411 doesn’t limit its services to specific vehicle types or brands. Whether you’re in the market for a new or used car, truck, or SUV, Carloans411 can help facilitate financing, further expanding access to transportation for those with credit challenges.

While banks may be more risk-averse and hesitant to lend to those with poor credit, Carloans411 embraces this segment of the market, recognizing the importance of reliable transportation in today’s world. By offering a more inclusive and flexible approach, Carloans411 bridges the gap between traditional lenders and Canadians seeking a fair opportunity to secure auto financing.


Other Reputable Online Auto Loan Providers in Canada

While Carloans411 appears to be a legitimate option for securing auto financing in Canada, it’s not the only player in the online lending space. For a well-rounded perspective, it’s worth considering some other reputable providers that Canadian car buyers may want to explore:


Canada Drives: This company has been helping Canadians secure vehicle loans since 2001. It works with a network of lenders across the country to provide financing options for all credit situations. Canada Drives has an A+ rating with the Better Business Bureau.

Car Loans Canada: Claiming to be the largest auto loan provider in Canada, Car Loans Canada offers loans on new and used vehicles from a variety of lenders. The company has facilitated over $1 billion in auto financing since its founding.

Auto Loan Solutions: This Ontario-based online lender focuses on providing bad credit car loans and specializes in helping consumers with credit challenges get approved. Auto Loan Solutions has received positive reviews for its straightforward process.


By researching and comparing multiple auto loan providers, Canadian consumers can find the option that best suits their unique financial situation and vehicle needs. Exploring alternatives helps ensure they secure the most favorable rates and terms available.


How to Apply with Carloans411

Carloans411 aims to streamline the auto financing process through its online application. To get started, you’ll need to visit their website at and click on the “Apply Now” button. This will prompt you to fill out a secure online form with personal and financial details.

The application process itself is fairly straightforward. You’ll need to provide information like your name, address, date of birth, employment details, and income. Be prepared to share specifics on any outstanding loans or credit accounts you may have. Carloans411 will also require details about the vehicle you wish to purchase, such as the make, model, year, and estimated price.

Once you’ve submitted your application, Carloans411’s system will quickly analyze your information and credit profile. Within minutes, you’ll receive a decision on your approval status. If approved, you’ll be presented with potential loan options from Carloans411’s network of lenders. These will outline details like the interest rate, loan amount, term length, and estimated monthly payment.

It’s worth noting that Carloans411 does not charge any upfront fees to apply or get pre-approved. However, once you select a lender and proceed with finalizing your auto loan, you may be responsible for paying lender fees. These can include administration fees, documentation fees, or prepaid interest charges. Be sure to carefully review the terms and conditions with your chosen lender.


Loan Terms and Interest Rates at Carloans411

One of the key factors to consider when evaluating any auto loan provider is the loan terms and interest rates they offer. Carloans411 aims to provide flexible financing solutions for a wide range of credit situations, allowing applicants to secure loans with varying terms and rates.

For those with good to excellent credit scores, Carloans411 can typically offer competitive interest rates starting around 4.99% for terms ranging from 24 to 84 months. These rates are generally in line with what you might find from a traditional bank or credit union for well-qualified borrowers.

Where Carloans411 truly shines, however, is in providing options for individuals with less-than-perfect credit histories. While interest rates will be higher for these borrowers, reflecting the increased risk, Carloans411 gives them a path to vehicle ownership that may not be available elsewhere. Rates can range from 9.99% up to 29.99% for those with poor credit scores or past bankruptcies.

Compared to the industry average for subprime auto loans in Canada, which hovers around 25%, the upper range of Carloans411’s rates is reasonable. And by allowing for loan terms as long as 84 months, the company helps make monthly payments more manageable for budget-conscious buyers.

It’s worth noting that Carloans411 is a broker, not a direct lender. This means the specific rates and terms will vary depending on the lender you’re ultimately matched with through their network. But Carloans411 prides itself on providing full transparency upfront, so you’ll know what to expect before signing any contracts.


How to Protect Yourself from Auto Loan Scams

While Carloans411 appears to be a legitimate business, it’s always wise to exercise caution when dealing with any lender, especially online auto finance companies. Here are some tips to protect yourself from potential auto loan scams or predatory lending practices:


First, never provide sensitive personal or financial information until you’ve thoroughly vetted the lender and confirmed their legitimacy. Be wary of any unsolicited loan offers or lenders pressuring you to act quickly.

Always review the loan agreement carefully, paying close attention to the interest rate, fees, and terms. Ensure there are no hidden costs or unfavorable conditions buried in the fine print. Reputable lenders should be upfront and transparent about all costs.

It’s also a good idea to check the lender’s reputation and track record. Look for reviews from unbiased third-party sources, such as the Better Business Bureau or consumer advocacy groups. Numerous complaints could signal a problematic lender.

If you have concerns about a lender’s practices, don’t be afraid to walk away. There are many legitimate auto finance options available, so you shouldn’t feel pressured into an unfair deal.

Finally, consider getting pre-approved for a loan through your bank or credit union before shopping at dealers or online lenders. Having your own pre-approved offer can help you compare rates and negotiate from a stronger position.


Regulatory Oversight and Consumer Protection for Online Auto Lenders

In Canada, online auto loan providers like Carloans411 operate within a regulated environment designed to protect consumers and ensure fair lending practices. Provincial and federal laws govern various aspects of auto financing, establishing guidelines that legitimate lenders must follow.

At the national level, the Bank Act and associated regulations set forth by the Office of the Superintendent of Financial Institutions (OSFI) provide a framework for federally regulated financial institutions engaged in lending activities. While Carloans411 is not a bank itself, the lenders in its network that are federally regulated must adhere to these regulations.

Provincial legislation also plays a crucial role in governing auto loans. For example, Ontario’s Motor Vehicle Dealers Act and associated regulations dictate requirements for disclosures, advertising, and business practices related to vehicle financing and leasing. Other provinces have similar consumer protection laws aimed at promoting transparency and preventing predatory lending tactics.

Reputable online auto loan providers like Carloans411 should operate in compliance with all applicable laws and regulations. This involves clearly disclosing fees, interest rates, and terms; refraining from misleading advertising; and providing consumers with accurate information to make informed decisions. Regulatory bodies can take enforcement actions against lenders found violating consumer protection rules.

While the regulatory environment is not flawless, it establishes essential safeguards for consumers seeking auto financing through online channels. Working with a provider like Carloans411 that prioritizes legal and ethical practices can give customers greater peace of mind when securing an auto loan.


Alternatives to Carloans411: Exploring Other Auto Financing Options

While Carloans411 offers a viable solution for many Canadians seeking vehicle financing, it’s not the only option available. Consumers should take the time to explore alternatives to ensure they secure the most favorable terms and rates for their unique financial situation.

One alternative is pursuing a traditional personal loan from a bank or credit union. These unsecured loans can be used for any purpose, including purchasing a vehicle. The interest rates are often competitive, especially for borrowers with strong credit histories. However, qualifying can be more challenging, particularly for those with blemished credit profiles.

Leasing is another popular choice for those seeking lower monthly payments and the ability to drive a new vehicle every few years. While leasing doesn’t result in ownership, it can be an attractive option for individuals who prefer not to deal with the hassle of selling their vehicle when it’s time for an upgrade. It’s important to carefully review lease terms, as excessive mileage or wear-and-tear charges can quickly negate any potential savings.

Additionally, some dealerships and manufacturers offer in-house financing programs that may be worth considering. These captive lenders often have close relationships with the automakers, potentially resulting in more favorable rates or incentives for qualified buyers. However, it’s crucial to compare these offers against those from independent lenders to ensure the best deal.


The Verdict: Carloans411 Appears to be a Legitimate Auto Financing Provider

Based on a thorough examination of Carloans411’s history, services, customer feedback, and industry reputation, the evidence strongly suggests that Carloans411 is a legitimate and trustworthy auto financing provider operating in Canada.

With over 15 years in business since its founding in 2008, Carloans411 has established a solid track record and presence in the Canadian market. The company maintains physical office locations in major cities like Toronto and Vancouver, lending further credibility to its operations.

Carloans411’s services are transparent and straightforward. As an auto loan broker, the company connects customers with a network of lenders, including banks and other financial institutions. The pre-approval process allows applicants to review potential rates and choose the lender that best suits their needs. Importantly, Carloans411 does not discriminate based on vehicle type or brand, nor does it automatically reject applicants with less-than-perfect credit histories.

Customer reviews paint a largely positive picture of Carloans411’s services. Many users praise the ease and efficiency of the application process, as well as the friendly and helpful customer service they received. A significant number of reviewers report being approved for financing through Carloans411 after being denied by traditional lenders due to credit challenges. While some complaints mention pushy sales tactics, the overall sentiment from customers is one of satisfaction with the rates and terms they were able to secure.

Furthermore, Carloans411 maintains listings on reputable business directories like and has garnered positive ratings on trust rating sites like Trustpilot. These external validations from established sources lend further credibility to Carloans411’s legitimacy.

Of course, as with any financial services provider, it is advisable for consumers to thoroughly research and compare multiple options before committing to a loan. However, based on the available evidence, Carloans411 appears to be a legitimate and trustworthy option for Canadians seeking auto financing, particularly those who may struggle to secure approval through traditional lending channels.


The Verdict: Carloans411 Appears Legitimate

While no lender is perfect, Carloans411 seems to operate transparently and enables Canadians to secure auto financing where traditional lenders fall short. The company has been in business since 2008, giving it over 15 years of history in the auto loan industry. Carloans411 lists physical office locations in major cities like Toronto and Vancouver, lending credibility.

Positive reviews on trusted sites like Trustpilot and listings on reputable business directories like are good signs of legitimacy. Many customer testimonials praise Carloans411’s easy application process, friendly service, and ability to secure loans for those with less-than-perfect credit who may have been denied elsewhere.

However, it’s important for consumers to thoroughly research any financial services provider before committing. While Carloans411 appears legitimate based on the available evidence, borrowers should still carefully compare rates, fees, and terms across multiple lenders. Reading the fine print and understanding all obligations is critical when taking out an auto loan.

Due diligence is key, but the preponderance of positive reviews and Carloans411’s longevity in the market suggest they offer a legitimate avenue for Canadians to finance vehicle purchases, even with credit challenges. Ultimately, each borrower must make their own informed decision about which lender best meets their needs.

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Questions About

Yes, is a legitimate company offering car loans to Canadians. is an online vehicle financing broker based in Toronto that was founded in 2008. They work with a network of lenders and have helped thousands of Canadians with bad credit get auto financing.


Reviews of on independent websites like Trustpilot and consumer sites show that they provide a real service helping connect consumers to lenders. They have physical offices that can be visited in Toronto and Vancouver. Overall, there is no evidence they are a scam and they seem to be a long-standing legitimate business. works by having you fill out a short application online, getting matched to lenders, and if approved connecting you with a dealer to get your car. Once you complete the online application you get matched to lenders in their network that work with your credit situation. If approved, you then pick the car you want and complete the financing process at the dealership. They work with dealers across Canada to deliver vehicles.


The application process is quick and they specialize in helping those with bad credit get approved. Reviews show many have success getting an auto loan through their services when they were initially declined elsewhere. They offer terms up to 8 years with interest rates dependent on your credit.

Carloans411 works with dealerships across Canada so you can finance new or used cars, trucks, SUVs, minivans, motorcycles, RVs, boats, ATVs etc. As long as the vehicle is available at one of their partner dealerships and you get approved for financing, you can use their services to get any type of vehicle.


They have a car search section on their website you can use to browse inventory. You can also visit local dealers yourself and if approved through Carloans411 get financing for the specific car you want. They deliver vehicles across Canada. The key is getting pre-approved first before selecting a vehicle.

Interest rates with Carloans411 range from 6.99% to 29.99% and you typically need 5-10% down payment when financing. Rates offered depend completely on your credit situation – the lower your credit score and rating, the higher interest rate you will get. Approvals also sometimes require 5-10% down payment.


It’s important to apply first and get matched with lenders to see the specific terms and rates you qualify for. Having a co-signer with good credit can help improve the rate offered. Overall the rates will be higher than prime lending rates since Carloans works with those unable to qualify for prime financing.

Yes, Carloans411 specializes in offering auto financing to Canadians with bad credit. They work with a network of lenders that provide high-risk financing to those with bankruptcies, consumer proposals, collections, late payments, no credit history etc.


If you’ve been declined for an auto loan elsewhere, Carloans411 may be able to match you to lenders willing to finance you. Reviews on their website and elsewhere online show many examples of consumers with credit scores under 600 getting approved. Just keep in mind interest rates will be higher due to the poor credit.

The application process with Carloans411 only takes about 2 minutes to complete online. Once submitted, you receive a near instant decision from their lending partners. If approved, you can then select a vehicle at a dealership and complete financing documents the same or next day in most situations.


So in total it may only take 48 hours from completing your initial application to driving away in your new vehicle when using Carloans411. Of course exact timelines can vary, but in general the application and approval process is designed to be very fast and efficient.

The only document Carloans411 requires to start the application process is your driver’s license. If approved, the dealership will require proof of income, residency, auto insurance etc when you complete financing contracts. But to start, all Carloans411 needs is your name, contact info, Social Insurance Number and driver’s license to match you with lenders.


Not needing to provide documents like pay stubs and bank statements upfront makes the application process extremely quick and convenient. Documents get verified later in the process if you get approved by a lender in their network.

No, Carloans411 themselves cannot repossess your vehicle. However the specific lender who finances your loan does have legal rights to repossess the car if you miss multiple payments and default on the auto loan. Carloans works with third party lenders who provide the actual financing.


It’s critical to only borrow what you can afford and make sure to pay your monthly auto loan payments on time. If you do default, the lender can send a repossession order and have the car confiscated. Avoid this worst case by carefully considering affordability before borrowing.

The best way to contact Carloans411 is by calling their toll-free number at 1-855-220-7351. This number connects you with their Canadian-based customer service team that can help answer any questions related to your application, required documents, finding vehicles etc.


You can also contact them via email at or by filling out the contact form on their website. They have offices that can be visited in person in Toronto and Vancouver as well. Reach out via phone or email for the quickest response from their support staff when you have questions.

Carloans411 reviews are overwhelmingly positive overall. Past customers praise their easy application process, great customer service, and ability to get approved for financing when other lenders declined them. Reviews highlight Carloans specializes in second-chance auto financing with reasonable interest rates.


Criticisms in some Carloans411 reviews include higher than expected interest rates for some borrowers once they got to the dealership. A few also had issues contacting support staff. But the vast majority of over 500 Google reviews and testimonials on their website show a very positive borrowing experience.

Carloans411 is considered one of the top bad credit auto loan services in Canada along with, and Carclix. All 4 brokers connect applicants with specialized lenders offering high-risk financing. Reviews show each provides reasonable lending offers to those struggling with poor credit.


When comparing Carloans411 vs competitors, interest rates can vary greatly depending on your specific credit situation. It’s best to apply to multiple brokers and compare offers directly once approved. But Carloans411 stands out with its long history in the industry and Canada-wide lender network.

No, Carloans411 does not charge any upfront fees or origination fees when you apply or get approved. However, the actual lender providing the financing may charge an administration or documentation fee that gets added to your total auto loan amount. This varies by lender but is typically a few hundred dollars.


So while Carloans411 does not directly charge origination fees, expect your final car loan amount to be a bit higher than just the sale price to account for added lender fees in most cases. Always review financing terms carefully before signing paperwork at dealership.

Yes, Carloans411 encourages customers to get pre-approved before visiting dealerships. This allows you to know your budget, interest rate and terms before falling in love with a car that may be out of your price range.


Pre-approval is instant in most cases after submitting your online application. You can then shop stress-free at local dealers knowing exactly what you can afford. Having a pre-approval letter from Carloans411 also motivates dealers to offer you their best price.

No minimum credit score is stated by Carloans as they assist those unable to qualify for prime lending. However based on customer reviews, it appears your credit score needs to be above 500 to potentially get approved. Scores lower than 500 face very high interest rates upwards of 25% or more.


Those with scores in the 600+ range seem to have the most success getting reasonable single digit interest rates. But every situation is different – even those with scores below 500 have reported getting approvals. The only way to know your terms is to apply directly.

Yes, Carloans411 states they can assist people that have recently filed bankruptcy get auto loan approvals. Bankruptcies stay on your credit report for 7 years. Many report being able to get high-interest financing 6-12 months after discharge through their lending partners.


Interest rates will be very high at first after bankruptcy but tend to improve year after year as you slowly rebuild your credit score. Expect rates above 20% initially but under 15% 3+ years post-bankruptcy based on customer reviews. Each person’s situation is different – apply today to see your terms.

The most affordable vehicles to finance with bad credit in Canada are: Toyota Corolla, Honda Civic, Mazda3, Nissan Sentra, Hyundai Elantra, Kia Forte and Chevrolet Cruze. These reliable compact cars hold value well so lenders are more willing to finance them. Plus, lower sale prices mean more affordable monthly payments.


Stick to basic trims of common vehicles under $20k when financing with poor credit. Luxury cars, SUVs and trucks get much harder to get approved for and have extremely high interest rates. Simple, fuel-efficient sedans and hatches give the best rates.

Having a co-signer with good credit can help you get lower interest rates but also puts them at risk if you default. Before burdening a family member or friend, first apply solo with Carloans411 to see what rates you can qualify for. If the rates are too high, then seek out a co-signer.


When using a co-signer just understand they equally share responsibility for repaying the auto loan. Defaulting can negatively impact their credit score and ability to borrow. Make sure to only take a loan you can fully afford yourself before getting a co-signer involved.

Yes, Carloans411 offers car loan services to all provinces and territories in Canada. They are based in Toronto, Ontario but the lenders they work with provide financing coast to coast. As long as you are a Canadian resident in any province or territory, you can apply and use their services.


Carloans411 works with nationwide dealerships so no matter where you live – Alberta, Quebec, Nova Scotia etc. – you can browse vehicle inventory. Just make sure to get pre-approved first before going to a local dealership to complete financing. Apply today even if outside of Ontario.

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