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We provide the best auto loans

Smarter Auto Financing Starts Here

We match you with the right lenders based on your needs and credit profile.

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Fast Approvals!

Competitive rates

FROM 3.99%*

Plans tailored to you

All Vehicles

New and used accepted

Fast, secure & easy loans in just 7 days

We match you with the right lenders based on your needs and credit profile.

Apply for loans

1. Subject to verification, suitability and affordability

2. Start by completing our simple online form. This helps us understand your needs, budget, and credit situation.

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Your Auto Loan — Made Simple

At YourAutoGenie.ca, we make finding the right car loan easy, fast, and stress-free. Our streamlined process connects you with the best auto loan options based on your unique financial profile—so you can focus on driving, not paperwork.

Step 1: Apply Online

Complete our quick and secure online application in just a few minutes. We collect only the essential details needed to understand your budget, vehicle goals, and credit situation.

Step 2: We Match You With Lenders

Our smart system compares multiple trusted lenders on your behalf. This ensures you receive real auto loan options that fit your needs—without applying to multiple places.

Step 3: Review Your Loan Options

View your personalized loan offers in one place. Compare interest rates, terms, and estimated monthly payments to choose what works best for you.

Step 4: Finalize Your Application

Once you select an option, complete your application digitally. Our process is simple, secure, and designed to move quickly.

Step 5: Get Approved

Lenders review your application and issue approval decisions. Many approvals happen fast, and our team is available to assist if additional details are needed.

Step 6: Get Ready to Drive

After approval, your financing is finalized and you’re ready to move forward with your vehicle purchase. We stay with you through funding to ensure a smooth experience.

Why Choose YourAutoGenie.ca?

✔ No dealership pressure ✔ All credit types welcome ✔ Transparent loan options ✔ Fast, easy, and secure process

Start Your Auto Loan Journey Today

Find auto loan options that work for you—quickly and confidently.

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Frequently asked questions

Q: Can I get a car loan with bad credit?

A: Yes, absolutely. Many lenders and dealerships specialize in "subprime" or "second-chance" financing for individuals with low or damaged credit histories, including those with past bankruptcies or consumer proposals.

Q: What credit score do I need to get approved?

A: While there is no strict minimum credit score, most traditional lenders prefer scores of 660 or higher. However, specialized lenders may approve loans for scores in the 500-600 range or even lower, depending on other factors in your application.

Q: What documents do I need to apply?

A: You will typically need:

Government-issued photo ID or driver's license.
Proof of income (recent pay stubs, employment letter, or tax documents).
Proof of residency (utility bill or lease agreement).

Q: How does getting a car loan help rebuild my credit?

A: A bad credit car loan can be a tool for credit rebuilding. By making all your monthly payments on time, you demonstrate responsible financial behavior, which is reported to credit bureaus (like Equifax and TransUnion) and can gradually improve your credit score over the loan term.

Can I get a loan after bankruptcy or a consumer proposal?

A: Yes. Many subprime lenders specifically work with individuals who are currently in or have recently completed bankruptcy or a consumer proposal. You will likely need to provide the relevant legal discharge or proposal paperwork.

YourAutoGenie.ca helps you instantly find the best auto loan options tailored to your needs.