Get approved for the car you want

Canada Car Program Any credit accepted — good, bad or none. See your car loan options in about 30 seconds, with no impact to your credit score.

All credit situations welcome
$0 down payment options available
Trusted by drivers across Canada

★★★★★ 4.8 rating from 1,200+ approvals

Start your free application

No obligation · takes about 30 seconds

Apply online

30-second form

Get matched

Local approval centre

Drive away

Pick your vehicle

Canada Car Program 2026

Canada Car Program – Get Approved for a Car Loan Today

The Canada Car Program is the fastest way for Canadians to get approved for a car loan — no matter what their credit looks like. Whether you have excellent credit, bruised credit, no credit history, or are recovering from a consumer proposal or bankruptcy, our lender network says yes when the banks say no. Fill out the secure form above in about 30 seconds and find out exactly what you qualify for, with zero cost and zero obligation.

Why Thousands of Canadians Choose the Canada Car Program

One application, an entire network of lenders. Stop filling out form after form — a single 30-second application puts multiple lenders to work for you.
Every credit situation is welcome. Good credit, bad credit, no credit, newcomers to Canada, students, and self-employed drivers are approved every day.
Fast, same-day answers. Most applicants are matched with a lender within hours and can drive away in as little as 48 hours.
Applying will not hurt your credit score. The initial form is a soft inquiry only.
100% free, no obligation. You review your options and stay in control — you never have to accept an offer.

How the Canada Car Program Works

1. Apply online. Complete the short form at the top of this page with your basic details. 2. Get matched. We connect you with the lenders most likely to approve your profile at the best rate. 3. Drive away. Choose your new or used car, truck, SUV, or van, sign your paperwork, and hit the road.

Approved for Every Credit Situation, Coast to Coast

From Ontario to British Columbia, Alberta to the Atlantic provinces, the Canada Car Program serves drivers in every province and territory. Our lending partners specialize in flexible auto financing, which means past credit problems do not disqualify you — and every on-time payment you make afterwards helps rebuild your credit score month after month.

Want to learn more before you apply? Read our complete guide to the 2026 Canada Car Program, see how to get a new car today, or go straight to our car loan application.

Your dream car is one short application away. Scroll up, take 30 seconds, and get approved today!

The Canada Car Program from Ontario Car Program

Ontario Car Program is a free online service that matches Canadian drivers with auto lenders and dealerships that can finance their next vehicle. Whether your credit is excellent, bruised or brand new, one short application lets lenders review your file so you can see what you may qualify for before you visit a dealership.

Our Canada Car Program is available to applicants in Ontario and across Canada. It is a private lender-matching service, not a government program, and applying does not commit you to a loan.

How it works

Apply online. Fill in the short form above with basic details about your income, employment and the vehicle you want.
Get matched. Your application is reviewed by lending partners who work with your credit profile, including bad credit, no credit and newcomer files.
Review your options. If approved, a representative walks you through the rate, term and payment before you choose a vehicle.

Who we help

Drivers with bad credit or past collections
Newcomers to Canada and first-time buyers with little credit history
People rebuilding after a bankruptcy or consumer proposal
Buyers looking for low or no down payment options

Before you apply

Interest rates and approval depend on your credit, income, existing debts and the vehicle you choose, so no applicant is guaranteed a specific rate. Use our car loan calculator to estimate a comfortable monthly payment, and check current car loan interest rates in Canada so you know what to expect. Have proof of income, a valid driver’s licence and proof of address ready to speed things up.

Ready to see your options? Learn more about the Canada Car Program or scroll up to start your free application.

OntarioCarProgram.ca is not a lender. We need your information to find the closest approval center for your application. This center will review your application and may contact you if needed. Your information will only be shared with the approval center. Our APR rates range from 0% to 30%

We are a lead generation platform that connects interested consumers with third-party lenders, dealers, or financial institutions. By submitting your information, you consent to be contacted by one or more of our partners regarding automotive financing options. We do not make credit decisions, offer loans, or guarantee loan approval. Terms and conditions may vary by provider. All financial products are subject to the lender’s approval. Use of this site does not guarantee financing.