About Affordrive

Affordrive helps Canadians who don't fit a bank's usual profile get a car loan. That includes people with bad or rebuilding credit, no credit history, a consumer proposal or bankruptcy, and newcomers who haven't built Canadian credit yet.

What we do

You answer a short questionnaire about your vehicle, income, housing and credit situation. We show you an estimated approval amount, monthly payment and rate range, then connect you with a partner dealership whose lenders finance situations like yours. The dealership confirms your actual rate and terms and helps you choose a vehicle.

What we're not

• We're not a lender. We don't lend money or make credit decisions. Approval, rates and terms are set by the lender and dealership.
• We don't check your credit. Your pre-qualification is based on what you tell us, so it doesn't affect your credit score. A lender checks your credit only later, and only with your separate permission.
• Our numbers are estimates. A pre-qualification is not a loan offer or a guarantee of approval.

How Affordrive makes money

Affordrive is free for car buyers. Participating dealerships pay us a referral fee when we connect them with an applicant who has agreed to be contacted. You never pay Affordrive, and the estimates we show you are calculated the same way regardless of which dealership you're matched with.

Where we operate

Anyone in Canada can pre-qualify. Our partner dealerships are currently in the Greater Toronto Area, and we're adding dealerships in more cities.

Your information

We only share your details with a dealership after you give consent, and we record that consent. Read our Privacy Policy and how we record consent.

Our guides

Our car financing guides and calculators are free to use. Learn how we research and update them in our editorial policy.

Contact

Email info@affordrive.ca or use our contact page.