Apply for your car loan

Apply for your car loan by using Need a Loan’s proprietary application technology and be matched with a lender suited to meet your needs.

It’s quick, simple and free. All you need to do is provide some basic information and you could be approved for a loan that gets you behind the wheel of your next vehicle.

Needaloan.ca on a mobile phone

We get to the point

The information you provide allows us to select the best possible lender. Our process is never invasive, needlessly complicated or indiscreet. Just tell us a little about your financial status and the vehicle you want, and we’ll do the rest. You could be accepted for a loan that makes the difference between just some car, and the car you really want.

Think you need perfect credit to get a car loan? Think again.

Whether your credit score is excellent, poor or non-existent, we’ll accept your application. We work with numerous lenders that specialize in providing loans for applicants with credit ratings at either end of the spectrum.

We don’t require that you make $30,000 or have a pristine track-record with bills. If you have blemishes that have led to loan denial in the past, we’ll find a trusted lender that will help you finance your new ride, whether you have:

Low annual income: there is no income threshold you must exceed to be matched with a lender

Excellent credit: the advantage of an excellent credit score is that lenders will offer you lower interest rates on your car loan

Poor credit: the lenders we partner with offer loans to applicants with any credit score

No credit: our lenders even offer loans to those without a credit history

Made a down payment: loans for the full or partial cost of a vehicle are available

Picked out your car: whether you’re just starting the car hunt or know the exact vehicle you’re after, it’s never too early or too late to apply for a loan

Why get a loan with Need a Loan?

Applying for a car loan with Need a Loan allows you to see your best option without making a commitment. Once you complete the application you’ll be contacted by a lender who will go over the terms of the loan. Then you decide whether or not you'd like to work with them. Easy, right?

There is no lengthy background check, no painful application process, no visiting a payday loan store. No going through some long, excruciating process only to find out you’ve been declined, or that your loan comes with punitive interest rates. You input information, receive an offer and decide whether or not to accept it.

When you submit an application with Need a Loan, you get:

  • Access to top lenders from around the country
  • A non-invasive process; we just ask for basic information
  • Eligibility for loans up to $40,000
  • Competitive interest rates and flexible terms
  • In and out in less than three minutes
  • Confidence your info is shared only with suitable lenders
  • A high probability of acceptance
  • A loan offer with no commitment required

Your application is completely discreet and entirely secure. The only parties that will ever see it are you and your recommended lender. Need a Loan never shares or sells your personal information to third parties.

Get started now: Shopping for a new vehicle should be fun, not a stressful odyssey to acquire funding. We make getting a loan fast and simple so that you can get behind the wheel of your new car as soon as possible.