Getting a car loan doesn't have to be unclear.

Get a free consultation on your situation




    Do I Qualify?

    We say yes to:

    • Bankruptcy
    • No Credit History
    • Bad Credit Score
    • Judgments
    • Self Employed
    • Banks won't give you a loan
    • Debt Review
    • Blacklisted
    • Employed on a contract basis
    • Pensioners
    • Low Salary
    • Students
    We have $0 down options available, making it even easier for you to get the car you want.

    Set A Budget

    Pick a Budget that works for you. We’ll search through all of our dealer partners to find the best fit for you.

     

    Pick Your Car

    Credit Nation has over 10 dealer partners who have thousands of vehicles to choose from, including domestic and import models.

     

    Get Approved

    You’ll receive confirmation of your financing options without ever having to step foot inside a dealership.

     

    Fast

    Applying only takes a few minutes.

    Cash Back Available

    Get Cash Back up to $10,000

    98% approval

    Got bad credit or no credit at all? Don't sweat it.

    Fair interest rates

    Our auto loan rates in Alberta are market-competitive.

    When Should I Apply For An Auto Loan?

    Get your car loan before you shop for a vehicle. You’ll be able to set a realistic budget before you get to the dealership and you’ll know which vehicles you can actually afford.

     

    How do I qualify for a car loan through your site?

    For your car loan application to be approved, you need to be a resident of Canada, have a full license, be 18 or older, and have 2 recent pay stubs.
     
     
     

    Should I choose a long car loan term or a short car loan term?

    Longer loan terms result in smaller monthly payments, but there’s a downside: you’ll end up paying more money toward interest, and, for a few years, you’ll probably owe more on your loan than your car is worth. Why? Because you’ll be paying off your loan balance slower than your vehicle is depreciating.

    FAQ

    Most frequent questions and answers

    Step 1: Preparing for Your Car Loan

    In the first stage of our process, we have you pick a vehicle type. By indicating which type of car you are looking to finance, we are able to find this particular kind of vehicle in our inventory. It is important to note that by selecting a certain vehicle at this stage of the process; you will not be locked into purchasing this model. However, this selection helps us when we are identifying your vehicle needs.

    Step 2: Filling Out the Application

    Next, you need to fill out our online Car Loan Application form. During this step you are asked for some basic information such as your employment, your address, and your contact details. The information that you provide during this step helps us determine which vehicle will fit within your budget.

    Step 3: Matching You with a Dealer

    After the first two stages are complete, we are then able to match your application with a certified lender and we will be able to discuss your vehicle options and the amount that you are able to dedicate towards your monthly payments. After we have matched your application with our lender, you can expect a smooth process and to drive away in your new vehicle.

    In Short, No, a down payment is not required. However, it’s not a bad idea if you have one. It will make your loan cheaper in the long run by reducing your interest rate and monthly payments. Putting money down basically makes the lenders a bit more confident about extending a loan offer to you. Get Approved Today
     
    The first step is online pre-approval which takes just 2 minutes. You can also call or text us for this at 403-926-8965.

    Then we get to work finding your best rates. Most lenders take a couple of hours to make a decision. They’ll look at you financial numbers, and we’ll make sure that they understand your unique situation.

    However, we respectfully ask you to give us 24 hours to get back to you so that we can do a more complete job of seeking out every lending option for you, including in-house financing.

    Your patience can save you a lot of money in the long run, and our process is still much faster than going to each bank individually and doing the legwork yourself.

    Start your application