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Vehicle Financing made easy


  • Step 1

    Apply In Minutes

    Begin by filling out our short online credit application.

  • Step 2

    Get Approved

    Within 24hrs of receiving your application a CarLoan123.ca representative will contact you to review your information and discuss your options. At that point we will also review your vehicle choices.

  • Step 3

    Drive Away

    Once approval is in place and vehicle selected, we have you come in and review documents, answer any questions you may have and sign necessary paper work. Once completed, you drive away.

Frequently Asked Questions

Still not sure?

I have horrible credit will I really get approved?

Yes! If you have a valid (G2+) driver license and have an income we will get you approved. We can even approve you without doing a credit check.

What will my interest rate be?

Interest rates vary from as low as 8.90%-29.9%. Rates are based on many different factors although CarLoan123 will do our best to getting you the lowest rate possible. In the event you receive a higher rate CarLoan123 will work with you to getting a lower rate in the future as your credit is re-established.

Do I need a co-signer?

No! CarLoan123 does not require a co-signer although if a co-signer is available it may help in lowering your interest rate.

Easy No Hassle Car Loans
No Obligations!

At CarLoan123.ca we make getting a car loan hassle free. We don't believe that getting into a car loan should be difficult. Also at CarLoan123.ca, there is no obligation to buy. If you are not completely satisfied with what we're offering, you simply walk away.


  • Linda (Ottawa)

    After being declined at 3 dealerships CarLoan123.ca approved me. I couldn't believe how quick and easy the process was - Staff was amazing. They even followed up with me a week later to ensure I was still happy.

  • Peggy (Ottawa)

    Hey guys, just wanted to truly thank you for getting me into my car. I am so grateful for all you have done. I will be recommending you to everyone I know.

  • Pierre (Gatineau)

    Thanks for everything! Still can't believe how fast that was. I applied on Monday, was driving by Tuesday. CarLoan123.ca you're the best!

Your search for a car loan
is over

With our large lending network (including our very own lending source) we can not only get you approved, we can get you the best possible rate.

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