Canadian auto financing
Drive the car
you deserve.
Brand New or Used Vehicles • Auto Financing • Refinancing • Vehicle Equity / Cash Loans.
Start your pre-approval
Two quick taps and you're on your way.
Get Pre-ApprovedTakes about 10 minutes · We never ask for your SIN online
All credit
situations welcome
New & used
cars, trucks & SUVs
10 min
online application
Canada-wide
lender network
What we do
Financing built around your story
Whether you're buying your first car, upgrading the family SUV, or need cash from the truck you already own, we have a path for you.
New & Used Vehicle Financing
Cars, SUVs, trucks and vans from trusted dealers. We match you with lenders that fit your budget and credit.
Learn more →Auto Refinancing
Paying too much? Refinance your current loan to lower your rate, shrink your payment or change your term.
Learn more →Vehicle Equity / Cash Loans
Turn the equity in a vehicle you own into cash — keep driving while you cover the bills that matter.
Learn more →How it works
Four steps to your keys
- 01
Apply online
Complete our secure multi-step application in about 10 minutes — from your phone.
- 02
Get matched
A PhilCan Auto specialist reviews your file and shops it to lenders that fit your situation.
- 03
Get pre-approved
Know your budget and payment before you choose a vehicle. No surprises at signing.
- 04
Drive away
Pick your vehicle, sign your paperwork, and take home your keys.
Your information stays private
Every credit situation
Good credit, bad credit, no problem
Banks say no for all kinds of reasons. We work with a wide network of lenders so more Canadians hear yes.
- Excellent & good credit
- Bruised or rebuilding credit
- New to Canada
- No credit history
- Self-employed & gig income
- Past bankruptcy or consumer proposal
Vehicle equity / cash loan
Your vehicle is worth more than a ride
Use the equity in your car, truck or SUV to get cash for emergencies, debt consolidation or a fresh start — and keep driving it.
Ready to get behind the wheel?
Apply online in about 10 minutes, or call us and a PhilCan Auto specialist will walk you through it.