Ontario auto financing

Get a car loan, fast.

About 60 seconds left

What type of vehicle are you looking for?

Lenders for every credit situation

Major banks and specialty auto lenders across Canada.

  • Auto Capital
  • CIBC
  • National Bank
  • TD
  • Eden Park
  • iA Financial Group
  • LendCare
  • North Lake
  • Quantifi Lending
  • Rifco
  • Santander
  • Scotiabank

How it works

Three simple steps, start to finish.

Tell Us Your Situation

Answer a few quick questions about the vehicle you want and how you get paid. It takes about a minute.

About a minute

We Match You To Lenders

Our team takes your answers to the lenders who work with situations like yours, so you are not guessing.

Pick Your Vehicle

Pick the vehicle that works for you, with the terms explained up front, all-in, before you sign.

A different way to finance a car

The Old Way

Our Way

Multiple dealer visits
Start online in minutes
Judged by a credit score alone
Your whole situation reviewed
Fear of rejection
All credit situations welcome

What our customers say

4.6 · 647 Google reviews

Ahmed was great to deal with from start to finish. I recently bought a 2019 Jeep Wrangler Unlimited Sahara from him, and the whole experience was smooth, honest, and professional. He was upfront about the vehicle, answered all my questions, and made the process easy with no pressure. The Jeep was exactly as described and in great condition. You can tell he takes care of his vehicles and values his reputation. I'd definitely recommend Ahmed to anyone looking to buy a car from someone trustworthy and straightforward.
Almog AvitalGoogle review
I bought a Ram 2500 and Ahmed was my sales rep. They carry quality vehicles and were great to deal with. Very professional, not the typical car sales experience of pushing to buy a bunch of add-ons. The vehicle was clean, certified with a fresh oil change and almost full tank of fuel. I would definitely go back. Picture is after driving on dirty roads.
Charles ThompsonGoogle review
I had an amazing experience at Total Auto Sales. A pleasure dealing with people with integrity. Riyad was transparent through and was incredibly responsive. The owner Andre was a gentleman. I can't recommend this place more highly.
Gary GrillGoogle review
I recently purchased a 2020 Audi A3 from total auto sales with the help of Mohid he took the time to thoroughly breakdown everything I need to know about the car, was transparent about pricing and answered all the questions I had with great knowledge. He genuinely was interested in helping find the best car for me. I appreciate all his help with everything. Mohid is great!!!
nicole demGoogle review
Had a great experience purchasing a vehicle at Total Auto Sales. The cars are in great condition, the price is right, and the service is excellent. Ahmed and Andre were both honest and fair throughout the entire process, walking us through each step and answering our many questions. We came away knowing that we got a great deal on a solid car and will be returning next time around. Highly recommend this place if you're in the market.
Mustafa SayediGoogle review
I had a great experience purchasing my vehicle from Total Auto Sales. After filling out the online form, Riyadh contacted me and walked me through the process of booking a test drive online. From start to finish, the process was very quick, smooth, and stress-free. Honestly, I thought to myself it was almost too good to be true because everything went so well. Riyadh was very honest, professional, and went above and beyond to make sure my purchase was successful. He even accompanied me during the test drive, helping me feel comfortable and confident with the vehicle. He was patient, kind, and very knowledgeable. Total Auto Sales has good, reliable vehicles, and I would definitely recommend them to anyone looking to purchase a vehicle. I will also be returning in the future for more vehicles. Thank you, Riyadh, for making this such a positive experience!
Samantha BennettGoogle review

Questions people ask us

Will I be rejected like I was at the bank?

We don't decide on a credit score alone. Bankruptcy, collections, no credit history, self-employment. These are the situations we work with every day. Answer a few questions and we'll be honest about whether you qualify to continue.

Can you promise I'll be approved?

No. Nobody can honestly promise that, and we won't pretend otherwise. What we can do is tell you the real requirements up front and match you with a lender who works with your situation.

What if the monthly payment is more than I can handle?

We structure financing around what you can afford. Your budget comes first, then the vehicle. You won't be pushed into a payment that doesn't fit your life.

What actually happens to my application?

Three simple steps: you answer a few questions, our finance team matches you with a lender, and we reach out to book your appointment. You're in control the whole way.

Will applying hurt my credit score?

Answering the quiz does not check your credit. A credit check only happens later, and only with your explicit permission, once you decide to move forward.

I'm embarrassed about my credit.

You have nothing to explain. Plenty of Canadians are rebuilding after a job loss, a divorce, or a fresh start in a new country. This isn't about judging you. It's about how automated bank systems make decisions. We look at the whole picture.