🚗
Credit Application
Submit your application and we'll match you with a dealership that can work with your credit today. The whole thing takes a couple of minutes.
Apply Now✓ Any Credit Welcome
Get Approved. Get the Car You Need. Bad credit? No credit? No problem.
We match Canadians with dealerships who actually say yes. Fill out one short form and we handle the rest. It costs nothing and takes about 2 minutes.
98%
Approval Rate
2 min
To Apply
$0
Fee to Apply
🚗 Ready to Get Approved?
Takes 2 minutes. Zero impact on your credit score.
- ✓ All credit types accepted
- ✓ Free to apply, no obligation
- ✓ Matched with local dealerships
- ✓ Same-day decisions available
Secure and Encrypted
No Credit Hit
Fast Response
Three Steps. That's It.
No dealership pressure. No stack of paperwork to sign before you even know your rate. Just a simple online form and we take it from there.
1
Fill Out the Form
Answer a few quick questions about your vehicle preference and income. Takes about 2 minutes and won't touch your credit score.
2
We Do the Matching
We find dealerships in your area that are actually set up to approve your credit profile. No cold calls, no awkward showroom visits just yet.
3
Pick Your Car and Drive
Once matched, you choose the vehicle and finalize the deal. A lot of our customers drive home the same day they applied.
Find the Right Starting Point for You
Every situation is a bit different. Here's what we help with most.
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Bad Credit Auto Loans
Banks said no. That happens a lot. We work with lenders who look at more than just your score, and most of our clients get approved on their first try.
Get Approved🎯
First-Time Buyers
No history is not the same as bad history. We have lenders who specifically work with people buying their first vehicle and newcomers to Canada.
Get Started🔄
Trading In Your Current Car
Still making payments on your current vehicle? That's fine. We can factor in your trade-in and roll it into a new deal, even if you owe money on it.
Talk to Us📈
Too High a Monthly Payment
If your current payment is eating too much of your paycheck, share your loan details with us. We'll find you a better option and show you what's actually available.
Lower My Payment⚡
Same-Day Decisions
Apply in the morning and you could be picking up your car that afternoon. It depends on the dealership, but same-day turnarounds happen more often than you'd think.
Apply Today
Why AB Auto Loans
Start My Free Application
We're Not a Bank. We're on Your Side.
✓
We Accept All Credit Types
Doesn't matter if your score is 800 or 500. We've helped people in all kinds of situations get on the road.
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Your Info Stays Private
We don't sell your data. Your application goes to matched dealerships only, and nothing gets shared without your knowledge.
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Free to Use, Always
There's no fee to apply and no obligation to take any offer you receive. Walk away at any point, no questions asked.
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Quick Turnaround
Most people hear back within a few hours. Some get same-day approvals. We move fast because we know you need the car now.
98%
Approval rate across all credit types
Excellent Credit
99%
Good Credit
98%
Fair Credit
95%
Poor Credit
88%
No Credit History
80%
Heard Straight from Our Clients
These are real people who applied, got approved, and drove away.
★★★★★
"I honestly didn't think I'd get approved. I've had some financial stuff happen over the past few years and my credit took a hit. Submitted the form on a Tuesday morning and by 3pm I was at the dealership. Drove home in a Civic that same evening."
★★★★★
"First car ever. I had no idea what I was doing and didn't have any credit history to speak of. The form was easy to fill out and someone called me back pretty fast. They walked me through everything. Really glad I found this service."
★★★★★
"My old loan was brutal. I was locked in at a really high rate and couldn't get out of it on my own. These guys found me a deal that cut my payment by $180 a month. I wish I'd done this sooner."
Let's Get You Approved
Apply now. It's free, it's fast, and it won't affect your credit score. You've got nothing to lose.
🔒 Encrypted and secure | No credit score impact | Always free
Questions We Get Asked a Lot
Honest answers, no fluff.
Is this going to hurt my credit score?
No, it won't. The initial application only triggers a soft credit check, which doesn't show up on your report and doesn't affect your score at all. A hard pull only happens later on if you actually accept an offer from a dealership.
I have bad credit. Is it even worth trying?
Yes, and honestly this is exactly what we built this for. Our dealership partners work with people who have been turned down by banks, people coming out of bankruptcy, people with collections on file. Most of our applicants get matched and approved.
How long does the whole thing take?
The form itself takes 2 to 3 minutes. After that, most people hear back within a few hours during the day. Some get responses the same morning they apply.
How much does this cost?
Nothing. Zero. We don't charge applicants anything. There's no subscription, no processing fee, and no catch. You can also decline any offer you receive with no obligation.
What kinds of vehicles can I get financing for?
Mostly passenger vehicles: cars, SUVs, trucks, minivans. New or used. Our dealership network covers most of Canada and carries a wide range of makes and models.
Can I include my trade-in?
Yes. Even if you still owe money on your current car, we can factor the trade-in value into your new deal. Just mention it when you fill out the application or contact us and we'll walk you through it.