Bad Credit Car Loans Approved in 24 Hours
97% Approval Rate. Get Instant Auto Approval with $0 Down. No SIN Required to Check Eligibility.
Which vehicle do you need?
Step 1 of 4 — Help us find your match
What Our Customers Say
Join 500+ satisfied Canadians
"Directfinance made my car buying experience seamless! They offered me competitive financing rates and walked me through every step of the process. I was able to drive off in my dream car within days. Highly recommend!"
Emma Thompson
Happy Customer
Budget-Friendly Payment Plans
We find payment plans that fit your monthly budget.
Flexible Budgets
Payment plans tailored to your monthly income
Build Credit Fast
Improve your credit score with every payment
Quick Approval
Get approved in as little as 24 hours
Why Choose Our Car Loan Service?
Compare and see the difference
| Features | Our Service | Traditional Dealers | Banks |
|---|---|---|---|
Convenience | We connect you with dealers according to your profile | Generic dealer matching | Limited dealer network |
Time | Same Day Approval | 4-6 weeks approval process | 2-3 weeks waiting |
Offer Duration | 6 months offer validity | 30 days or less | 60-90 days |
Delivery | Free delivery to your door | Pick up only | Dealer pickup required |
Interest Rates | From 4.99% - Lowest possible rates | 8-15% average rates | 6-12% rates |
Convenience
Our Service
We connect you with dealers according to your profile
Traditional Dealers
Generic dealer matching
Banks
Limited dealer network
Time
Our Service
Same Day Approval
Traditional Dealers
4-6 weeks approval process
Banks
2-3 weeks waiting
Offer Duration
Our Service
6 months offer validity
Traditional Dealers
30 days or less
Banks
60-90 days
Delivery
Our Service
Free delivery to your door
Traditional Dealers
Pick up only
Banks
Dealer pickup required
Interest Rates
Our Service
From 4.99% - Lowest possible rates
Traditional Dealers
8-15% average rates
Banks
6-12% rates
Join thousands of satisfied customers • 97.3% approval rate
THE APPROVAL GRID
BANKRUPTCY CAR LOANS
Discharged or undischarged. We get you driving.
$0 DOWN OPTIONS
Hundreds of 0 down cars available.
NEW TO CANADA
No credit history? No problem. Start building today.
BAD CREDIT / CONSUMER PROPOSAL
We look at your future, not your past.
How It Works
4 simple steps to get your new car today
Apply Online
Complete the quick 5-minute form
Get Approved
Instant pre-qualification
Choose Vehicle
Select from thousands of vehicles
Drive Away
Enjoy your new car today
Your Journey to a New Car
Follow our simple 4-step process to get behind the wheel of your dream vehicle
Choose Your Car
Browse our extensive inventory of premium vehicles. Filter by make, model, budget, and features to find your perfect match.
- Access to 500+ vehicles
- Real-time availability
- Detailed specifications
Get Pre-Approved
Quick and easy online application. Get approved in minutes with our streamlined credit check process—no impact on your credit score.
- Instant pre-qualification
- Flexible financing options
- Transparent pricing
Drive Away Happy
Complete the simple paperwork and drive off in your new car. Your assigned Finance manager will handle all the details including insurance and registration.
- Same-day delivery
- Secure Transaction Handling
- Post Purchase Support
Why Choose Us?
Fast, secure, and customer-focused auto financing for all Canadians
Fast Approval
Get approved in minutes
Low Rates
Starting from 2.9% APR
Secure Process
Bank-level security
$2,000 Trade-In Bonus
Maximize your trade-in value
Get Your Car Now!
We makes it easy to find a car, get pre-approved for financing, and find insurance—all from the comfort of your home.
Call us to get Pre-Approved at +1 613 707 0188
Fast Pre-Approval
Get pre-approved in minutes and move forward without delays.
Flexible Loan Terms
We offer repayment plans tailored to your budget, making your loan manageable.
Transparent Process
No hidden fees or surprises. Everything is clear from start to finish.
Frequently Asked Questions
We've got answers to your questions
Start Your Approval Journey Today
Safe, transparent, and fast. Check your eligibility in seconds — with zero impact on your credit score.
Start Your Approval