Brand-new vehicles
Finance the latest cars, SUVs and trucks with competitive terms and manufacturer-backed warranties.
- Terms up to 96 months
- Low or no down payment O.A.C.
- Trade-ins welcome
Financing
Auto financing made simple
New, used, or refinancing — PhilCan Auto shops your application to a network of Canadian lenders so you get a payment that fits your life.
Programs
Choose your path
Used vehicles
Quality pre-owned vehicles that fit your budget — the smartest way to build or rebuild credit.
- Inspected, reliable vehicles
- Flexible weekly or bi-weekly payments
- Options for every credit level
Refinancing
Already have a car loan? Your credit may have improved. Refinancing could lower your rate or payment.
- Lower your interest rate
- Reduce your monthly payment
- Change your term
Payment estimator
What could your payment look like?
Slide to estimate. Your actual rate depends on your credit, income and vehicle — get pre-approved to see real numbers.
Estimated bi-weekly payment
$222
Estimate only, before taxes and fees. O.A.C.
Questions
Financing FAQ
Can I get approved with bad credit?+
Yes. We work with lenders that specialize in rebuilding credit, past bankruptcies, consumer proposals and limited credit history. Making on-time payments on an auto loan is also one of the best ways to rebuild your score.
How much do I need for a down payment?+
Many customers qualify with little or nothing down, on approved credit. A down payment or trade-in can lower your payment and improve your approval odds.
What documents will I need?+
Typically a valid driver's licence, recent proof of income (pay stubs or bank statements), and proof of address. Your specialist will tell you exactly what your lender needs.
I'm new to Canada — can I still finance?+
Yes. We have newcomer programs for people with a valid work permit or permanent residency, even without a Canadian credit history.
Does applying affect my credit score?+
Submitting the online application does not run a credit check by itself. With your authorization, we'll review your credit when matching you with a lender.
Ready to get behind the wheel?
Apply online in about 10 minutes, or call us and a PhilCan Auto specialist will walk you through it.