Bad Credit
Car Loans
Approved Across Canada.
Car loans and auto financing for every credit situation. Get pre-approved in minutes — no SIN required, no impact on your credit score.
What do you need?
Pick a vehicle type to start.
Get Your Car in 4 Simple Steps
- 01
Apply Online
Fill out our quick 2-minute form - no SIN required.
- 02
Instant Decision
We review your application and respond within 24 hours.
- 03
Pick Your Vehicle
Choose from cars, SUVs, trucks, and vans across Canada.
- 04
Drive Away
Sign, confirm, and get your vehicle delivered or ready for pickup.
Find Your Perfect Ride
Browse by category and get financed on the vehicle that fits your life.
We Help All Credit Situations
If a bank has turned you away, you are exactly who we built this for.
Bad Credit / Low Score
We don't judge past mistakes.
Consumer Proposal
Active or discharged - you qualify.
Self-Employed
Flexible income verification.
$0 Down
Hundreds of vehicles with zero down payment.
Estimate Your Payment
Adjust the sliders to estimate your monthly payment. We provide transparent, flexible terms tailored to your budget.
Estimated Monthly
*Based on 72 months @ 8.9% APR (Estimate Only)
Open the full car loan calculator (tax, trade-in, budget) →One Application, Endless Lending Power
We partner directly with Canada's top automotive lenders to secure you the most competitive rates on the market.
Why ShopRides Is Different
See how we compare to the alternatives.
Traditional Dealerships
The ShopRides Way
Private Sellers
Real People. Real Approvals.
“I was turned down by two banks but ShopRides approved me in 24 hours. I'm driving a 2021 Civic now!”
“Came to Canada two years ago and had no credit history. They got me into a Hyundai Elantra with zero down.”
“Self-employed tradesman - banks always said no. ShopRides worked with my income situation. Highly recommend.”
Get Your Free Pre-Approval Now
Fast, secure, and no impact on your credit score.