Question 1

Can I get a car loan in Canada with no credit or a low credit score?

Accepted Answer

Yes. Affordrive works with Canadian lenders that finance no-credit, low-credit, and bad-credit applicants. A soft pre-qualification shows your estimated approval amount and monthly payment with no hard credit check and no impact to your score.

Question 2

Does pre-qualifying affect my credit score?

Accepted Answer

No. Affordrive's 3-minute pre-qualification uses a soft check, so it does not lower your credit score. Final financing is subject to lender underwriting.

Question 3

Can new-to-Canada and self-employed applicants get approved?

Accepted Answer

Yes. Affordrive is built for every credit situation, including new-to-Canada residents and self-employed Canadians. You provide your income and employment details, and we match you with lenders suited to your profile.