A payment is only one part of an offer
Compare the interest rate, payment frequency, number of payments, term and total cost of borrowing. A longer term can reduce an instalment while increasing interest paid and the time you owe on the vehicle.
Driving With Us ยท Ontario shopping guide
Car loans in Ontario. Know your next step.
Start with your budget, not a confusing round of dealer visits. Apply online for new or used vehicle financing, then review the available partner options, the actual terms and the vehicle that fits.
Approval, rates, terms and vehicle eligibility depend on lender review and partner availability.
Know the coverage
Online across Ontario. Partners confirmed locally.
You can apply from anywhere in Ontario. That does not mean we have a partner in every community: Ontario enquiries are intended for Toronto/GTA dealer partners. Tell us your location so the team can confirm what is practical before you plan a visit.
Read the Toronto & GTA shopping guideThe financing process
One starting point. Clear next steps.
An application starts a review, not a promise. We help connect your vehicle search with available partners; the lender makes the financing decision.
Tell us where you are starting
Complete the online application with accurate contact, address, income and employment information. Share your vehicle needs and any trade-in details.
Confirm the available path
The team reviews your needs and confirms suitable partner coverage. Lenders may request supporting documents; eligibility and terms depend on their review.
Review the details, then decide
If an option is available, compare the vehicle, down payment, rate, loan term and total cost. Confirm outstanding conditions with the partner before proceeding.
Before you say yes
Compare the whole commitment.
A loan offer is easier to judge when the costs and conditions are visible.
Prepare a realistic ownership budget
Leave room for insurance, fuel or charging, maintenance, tires and registration costs. Set a comfortable budget using your current income and obligations, rather than the maximum amount you might be offered.
Be clear about a trade-in
Share any outstanding loan balance as well as the vehicle details. If the balance exceeds the trade value, ask exactly how that difference would be handled and how it changes the new loan.
Understand the conditions before signing
Ask what documents, down payment and vehicle details must still be verified. Review optional products separately, read the agreement and ask about prepayment terms. Do not treat an application as a final loan commitment.
Useful answers
Ontario financing questions.
Can I apply for a car loan from anywhere in Ontario?
You can submit the online application from Ontario. Ontario enquiries are intended for Toronto/GTA dealer partners, so the team must confirm coverage, suitable vehicles and lender availability for your location. A province-wide application option does not mean there is a partner in every community.
Can I apply for new and used vehicle financing?
Yes. The application supports new and used vehicle financing enquiries. Eligible vehicles, down payment requirements and available terms depend on the lender, the vehicle and your application.
What information might a lender need?
Be ready to provide accurate contact and address details, employment or income information, housing costs and existing financial commitments. A lender may request identification, proof of income or other supporting documents. Requirements vary; the team will explain what is needed for your application.
Does applying guarantee approval or a particular rate?
No. Approval, interest rate, loan term, down payment, eligible vehicle and timing depend on lender review and partner availability. Review the actual offer and total borrowing cost before deciding whether to proceed.
Can I apply if I am rebuilding credit?
You can submit an application with your current circumstances. Lenders consider more than a headline credit score, including income, obligations and vehicle details, but approval is not assured. Ask about any required down payment, interest rate and total cost before accepting an offer.
Where is Driving With Us based?
Our head office is in Edmonton. Driving With Us is an online marketplace offering financing support for shoppers in Alberta and Ontario. We do not claim a local office in each Ontario city; participating Ontario dealers and available services must be confirmed.
Your next move
Put your plans on the table.
Share your needs through our existing application. The team can help clarify available options without treating a listing or an estimate as a loan offer.
Start my financing application
Approval, rates, terms and vehicle eligibility depend on lender review and partner availability.
Not ready to apply? Keep browsing.