Know your buying power before you shop — get pre-qualified for car financing in Canada in 3 minutes with no hard credit check.
Turned down before? You still have a real shot.
Most dealerships only see your score. Affordrive looks at the whole picture — your income, employment, and budget — and matches you with Canadian lenders who finance every kind of credit story. Whether you're rebuilding, just starting out, or new to Canada, there's a path to approval here.
Why Affordrive is different
Pre-qualifying never lowers your score — no hard pull, no risk to find out where you stand.
From prime to alternative and subprime, we route your application to lenders most likely to say yes to you.
Get matched with a local dealership that has inventory you can actually afford — and drive it home.
From application to driving away
Three simple steps stand between you and your next car.
Apply online
Complete a quick, secure application from your phone or computer.
Get pre-qualified
See your estimated financing amount and monthly payment in real time.
Drive your car home
Get matched with a dealership, pick your vehicle, and drive away.
Built for Canadian drivers
Whether your credit is excellent or still building, we help you find financing that fits — transparently and on your schedule.
Pre-qualify in minutes
Answer a few questions about your income and credit — no hard check, no impact to your score.
See your numbers instantly
Get an estimated approval amount, monthly payment, and rate before you ever visit a lot.
Match with the right lender
We connect you with Canadian lenders suited to your profile — from prime to alternative credit.
They got approved — even when the banks said no
Every story below started with a low credit score, a past, or a fresh start. They all ended with the keys.
"I'd been turned down by three banks before I found Affordrive. They looked past my score and got me approved for an SUV I could actually afford. Drove it home the same week."
"After my bankruptcy I thought I'd have to wait years. Affordrive matched me with a lender who gave me a second chance, and the monthly payment actually fit my budget."
"We had no Canadian credit history at all. The team understood our situation and we were approved for a family SUV within days of landing. Still can't believe it."
"Being self-employed made every bank say no. Affordrive looked at my real income, not just a score, and I got into the truck I needed for work."
"This was my first car loan and I was nervous. The pre-qualification showed me my numbers upfront so there were no surprises at the dealership. Approved and confident."
"I'd finished a consumer proposal and assumed no one would finance me. Affordrive proved me wrong — I'm back behind the wheel and rebuilding my credit at the same time."
Questions, answered
Everything you might want to know before you start.
